http://www.ccisca.com/blog/View Cliff Cottam Insurance Services's Website Blogen-uspostmaster@www.ccisca.comInsurance Website Builder - www.insurancewebsitebuilder.comurn:uuid:04ecbb70-f75c-42f9-a91b-a330664c7266urn:uuid:f43d31c4-846d-4bef-864a-e5712329844ahttp://www.youtube.com/watch?feature=player_embedded&amp;v=_8wdb5J7cT0 Speak to one of&nbsp;Cliff Cottam's Insurance Agents for your auto insurance needs.&nbsp; We will shop multiple insurance companies to fit your personal situation! (800) 807-687...Sat, 18 Feb 2012 14:35:31 -0600<a href="http://www.youtube.com/watch?feature=player_embedded&amp;v=_8wdb5J7cT0">http://www.youtube.com/watch?feature=player_embedded&amp;v=_8wdb5J7cT0</a><br /> <br /> Speak to one of<a href="/contact.aspx">&nbsp;Cliff Cottam's Insurance Agents </a>for your auto insurance needs.&nbsp; We will shop multiple insurance companies to fit your personal situation!<br /> <br /> <strong><span style="color: #c00000;">(800) 807-6871</span></strong>urn:uuid:cf0cb321-4256-4cd3-914b-2dbe2e897d75<img src='http://www.ccisca.com/img/~www.ccisca.com/header_home.png' align='left' /> When you think about the different liabilities around your home, what comes to mind first? If you have a pool, it probably pops up at the forefront of your thoughts, but other common areas of injuries include stairs and kitchens. Surprisingly, man...Thu, 16 Feb 2012 19:45:36 -0600<p ><br /> <img alt="" style="width: 500px; height: 185px;" src="/img/~www.ccisca.com/header_home.png" /><br /> <br /> When you think about the different liabilities around your home, what comes to mind first? If you have a pool, it probably pops up at the forefront of your thoughts, but other common areas of injuries include stairs and kitchens.</p> <p>Surprisingly, many people don&rsquo;t even consider what kind of liabilities their landscaping may present and unfortunately&mdash;they should. </p> <p>High Hedges </p> <p>Plants around the perimeter of your home offer you privacy that can make living there even more enjoyable but when these high hedges and trees block your view as you back out of your driveway, they can become a liability. Guests who visit your home may have accidents when their visibility is impaired and even your neighbors, whose driveways are also obscured by your plant life, could pay a price. </p> <p>Work with your local codes department to keep bushes and trees trimmed appropriately and test your road visibility from several vantage points to ensure that oncoming traffic can be clearly viewed as you and your neighbors back out.</p> <p>Prickly Plants </p> <p>In certain areas of the country cactus plants are popular xeriscaping options. Also commonly seen on lawns across the country are thorny bushes such as roses. These plants with their thorny defense systems can cause injuries to those who accidentally trip and stumble into them. While a body could get away with a few scratches after a run in with a plant, an eye injury could be an expensive liability. </p> <p>Make sure plants with thorns are away from doors and walkways. Keep them appropriately trimmed and supported and, when possible, build retaining walls around them to help keep people from wandering close to them. </p> <p>Fences in Disrepair</p> <p>A broken chain link or wooden fence can prompt a trip and fall or impale someone. During a storm, it could even cause damage to another&rsquo;s property. Make sure fences are secured and have no dangerous loose parts or broken edges. <br /> <br /> When you are trying to control costs at home, it&rsquo;s important that you not just focus on cutting bills and clipping coupons but also that you keep your eyes open for risks that could result in costly liabilities and home insurance premium increases. Your agent can help you look at your property in terms of potential risks rather than a simple method of curb appeal.<br /> <br /> It&rsquo;s important that your home insurance coverage provide adequate protection for your individual needs. Give us a call at <strong>(800) 807-6871</strong> and we can work together to make sure that everything you need covered, is.<br /> <br /> <a href="http://www.ccisca.com/">Cliff Cottam Insurance Services </a>will help you determine the best protection for you!</p>urn:uuid:0b2df0a0-be59-4308-88f4-5b760291eb62<img src='http://www.ccisca.com/img/~www.ccisca.com/Dave%20Ramsey.%20FPU.jpg' align='left' /> Cliff Cottam Insurance Services are an endorsed local provider by financial guru Dave Ramsey. He has taught financial principles to millions via radio, books, live events and online. For a chance to win his online financial course worth $99, just ...Mon, 13 Feb 2012 19:16:11 -0600<br /> <br /> <img alt="" src="/img/~www.ccisca.com/Dave%20Ramsey.%20FPU.jpg" /><br /> Cliff Cottam Insurance Services are an endorsed local provider by financial guru Dave Ramsey. He has taught financial principles to millions via radio, books, live events and online. For a chance to win his online financial course worth $99, just like us on "<a href="http://www.facebook.com/fbccisca#!/fbccisca?sk=app_10467688569"><strong>Facebook</strong></a>". We believe many of us could use sound financial advice in these tough economic times.urn:uuid:19dd7fc2-b4bb-433f-a6c4-28ac6b6419b6<img src='http://www.ccisca.com/img/~www.ccisca.com/rain%20car.jpg' align='left' /> Insurance is all about risk. Insurance companies can tell, by analyzing individual policyholder&rsquo;s driving history and actuarial data, about how many policyholders are actually going to have claims and how many aren&rsquo;t and they know that ...Sun, 12 Feb 2012 18:06:48 -0600<img alt="" src="/img/~www.ccisca.com/rain%20car.jpg" /><br /> <br /> Insurance is all about risk. Insurance companies can tell, by analyzing individual policyholder&rsquo;s driving history and actuarial data, about how many policyholders are actually going to have claims and how many aren&rsquo;t and they know that by spreading premiums out among those who will have claims and those who won&rsquo;t, they can reduce costs for everyone. <br /> <br /> In addition to the risk you present as a driver, your individual policy presents a certain amount of risk to an insurer. With limits, coverages and deductibles you decide exactly how much financial risk your insurer is taking on. One of the quickest ways to decrease your auto insurance premiums is to set a higher deductible for those non-liability coverages that allow it. The deductible is the amount of money that you must pay out of your own pocket when you have an accident. Basically, it is the portion of financial risk that you retain because with it, you tell the insurer that they do not need to pay at least this amount when you have a claim.<br /> <br /> But deductibles represent a large financial responsibility for you, the insured, because you need to actually have the money to pay the deductible, or whatever portion of the deductible your next insurable incident costs. And if you don&rsquo;t have the funds available, you could be unable to get your car fixed and running again which can impact your life in a very negative way. <br /> <br /> Auto insurance deductibles are applied to every accident, so each accident in which you pay out-of-pocket to get your car fixed doesn&rsquo;t chip away at an annual deductible. This can add up and have an adverse affect on your budget and savings if you have too many accidents in one year. <br /> <br /> Don&rsquo;t be distracted by the low premiums that come with high deductibles. Make sure you balance out the desire for a low premium with a deductible that you can afford to pay in the event of an accident. <br /> <br /> <a href="http://www.ccisca.com/default.aspx">Cliff Cottam Insurance Services </a>is here to help you to decide what is right for your personal situation. Don't hesitate to give us a call at <strong><span style="color: #e36c09;">(800) 807-6871</span></strong> or simply complete our <a href="http://www.ccisca.com/contact.aspx">Contact Us </a>online form.<br />urn:uuid:9910b640-bf53-4167-a115-cb40f44a837e<img src='http://www.ccisca.com/img/~www.ccisca.com/header_biz.png' align='left' /> A catastrophe, such as a fire, may shut a business down temporarily. While the business is not operating, business income can stop or decrease substantially. Yet, expenses can continue and may even increase during this period. This is where Busines...Tue, 31 Jan 2012 17:55:00 -0600<img alt="" style="width: 500px; height: 185px;" src="/img/~www.ccisca.com/header_biz.png" /><br /> <br /> A catastrophe, such as a fire, may shut a business down temporarily. While the business is not operating, business income can stop or decrease substantially. Yet, expenses can continue and may even increase during this period. This is where Business Interruption coverage steps in. It is intended to cover the loss of net income, temporary relocation expenses, and ongoing expenses such as payroll, electricity, rent or mortgage. <br /> <br /> <strong>Coverage Limitations</strong><br /> Insurance is designed to financially restore someone to where they would have been had the loss not occurred. Therefore, the business would be required to submit records that would provide a good indication as to what the business would have actually lost in net income. It is recommended that businesses keep a copy of at least 12 months of financial records offsite for this very reason.<br /> <br /> Most policies include a waiting period, for example 72 hours, before coverage will begin. A maximum amount paid out each month as well as the amount paid out overall for the loss of net income is determined when the policy is purchased. The policy will also specify a maximum time the coverage will extend for. So for an example, a policy may state coverage will only apply for 120 days, include a limit of $120,000 with a monthly limitation of &frac14;. This would indicate the business owner would only be entitled to a maximum payment of $30,000 each month with a $120,000 maximum paid out over the course of 120 days. <br /> <br /> <strong>Extra Expense</strong><br /> Extra Expense coverage is used to provide relief from additional expenses a business incurs to keep the doors open, such as relocating to a temporary location while the primary location is being repaired. This coverage is provided in addition to Business Income coverage. <br /> <br /> <strong>Extended Period of Indemnity</strong><br /> Typically, Business Income coverage will stop when business operations are resumed. Yet, just because business resumes, doesn&rsquo;t mean the normal flow of income immediately resumes as well. Extended Period of Indemnity can provide coverage in the interim, from the time the business is able to re-open its&rsquo; doors to when the income resumes to normal income levels. However, there will be a time limit imposed as to how long the coverage will apply as the insurance company can not guarantee income restoration. <br /> <br /> <strong>How to purchase Business Interruption Insurance</strong><br /> Business Interruption coverage is not sold individually. It can be added to a commercial property insurance policy or a business owner&rsquo;s policy. <p><strong><em>If you are a business owner and would like to find out more about this protection, talk to a Cliff Cottam Insurance Services Agent at (800) 807-6871. Or, simply complete our online <a href="http://www.inscontact.com/public/link/?l=4693&amp;r=ecuBrcp2-QuX3Lc8VlVOVgbK1CBbmR4LqMpl-6uvIxVF7wLlzyybdA2&amp;v=wFXlkASd-necnhZUYAg-7K6-lNKgbmf3fXwY3WMQWqk1" title="http://www.inscontact.com/public/link/?l=4693&amp;r=ecuBrcp2-QuX3Lc8VlVOVgbK1CBbmR4LqMpl-6uvIxVF7wLlzyybdA2&amp;v=wFXlkASd-necnhZUYAg-7K6-lNKgbmf3fXwY3WMQWqk1">Contact Us </a>form today! </em></strong></p>urn:uuid:665bcb44-4d2e-461a-a94a-cfc5723da208<img src='http://www.manta.com/manta/images/business_centers/icon05.jpg' align='left' /> &nbsp;Cliff Cottam Insurance Services is&nbsp;committed to bringing you articles that will help you in your small businesses.&nbsp; We think these are great tips provided by Manta. Related videos By Joan Nowak As you prepare your busine...Mon, 30 Jan 2012 19:59:13 -0600<div class="sidebar"> <div class="ad-hold sidebar-padding"> <div class="ad-in grey-bg"> <div>&nbsp;<a href="/default.aspx">Cliff Cottam Insurance Services </a>is&nbsp;committed to bringing you articles that will help you in your small businesses.&nbsp; We think these are great tips provided by Manta.</div> </div> </div> </div> <div class="article hreview"> <div class="title-hold style2"> <img alt="" src="http://www.manta.com/manta/images/business_centers/icon05.jpg" /> <div> <h1><a href="#related" style="margin-top: 10px; float: none; position: relative;">Related videos</a> </h1> </div> </div> <div class="description"> <p><em>By </em><a href="http://ezinearticles.com/?expert=Joan_Nowak" target="_blank"><em>Joan Nowak</em></a></p> <p>As you prepare your business for success in the coming year, will you focus your time and resources on sales growth? While it's important, it's often not enough. For sustainable growth and profit with a lot more control, spread your efforts around - creating small improvements in ALL areas of your business. It's the formula for a business that is simple, fun and profitable!</p> <p>So where do you start? Here's the formula I recommend.</p> <p><b>Planning.</b> You don't need a 50 page business plan. But you do need some clear, measurable goals with specific 'actions' you need to take to achieve them. Written goals and a simple action plan provide you with focus and clarity. So take the time to write down what you WANT (results or outcomes) and what you need to DO (actions) to make it happen.</p> <p><b>Products/Services.</b> When was the last time you actually thought about the products or services you offer? It's more than just 'what price should I charge'. Which ones are most profitable, which produce the most sales? Do your products and services still meet the needs of your target customers or do they need a facelift? Technology, competition and your customer needs change over time - make sure your products and services keep up!</p> <p><b>Promotion.</b> Sales don't just happen. So what are you doing to attract new customers and keep existing ones coming back and referring others? Most owners associate promotion with marketing for new customers - and invest few (if any) resources on current customers. Big mistake. Make sure your plans also include tactics to turn your current customers into raving fans - who spend more, buy more often and refer other quality people to your business.</p> <p><b>Processes.</b> Streamlining and standardizing procedures make daily operations easier, efficient and more effective, whether you are there or not. They are also a key to increased profitability. As you plan for the coming year, make systematizing your business more of a priority. Start with just a few. Focus on those that save you time, increase sales, or fix problems that consistently erode profit.</p> <p><b>People.</b> No business operates successfully in a vacuum - we all need help from others. While we often associate people with employees, building a strong network of contractors, vendors and alliance partners for your business is equally important. Your needs will vary based on your business - but most small businesses have an opportunity to improve in this area. Have a method for hiring or developing new relationships with people who are committed to your customers and the success of your business.</p> <p><b>Personal Development.</b> As you grow and improve, so will your business. We are all familiar with the phrase, knowledge is power, but it also translates to earnings or income. And it doesn't require a lot of time or money - just a commitment to learning and building skills and knowledge. Here are a few things to consider: </p> <ul> <li>Invest 15 minutes a day reading and you will read about 12 books a year.</li> <li>Turn drive time into learning with audio books.</li> <li>Attend interactive workshops or webinars to improve knowledge gaps or simply get new ideas.</li> <li>Meet with and build relationships with other successful business owners so you can share information and learn.</li> <li>Work with a mentor or business coach who can help you find hidden opportunities, provide shortcuts to results and accountability to get more done. </li> </ul> <p><b>Profit.</b> You don't need to be an accountant or financial guru, but you do need to track and understand the numbers that drive your business - beyond just sales. Here's a few others to consider: average sale per customer or transaction, number of leads, revenue per employee, average accounts receivable, gross profit margins, customer retention rates and net profit. Monitor them and focus on activities that help to improve them - especially gross profit margins and net profit. If you keep them at the center of what you do, your small business will continue to serve your needs and the needs of your people and customers.</p> <p>Remember, little improvements in ALL these areas will put more profit on the bottom line and in your wallet. So take the hybrid approach: bring together all the key elements that drive success - and you too will have a business that is simple, fun and profitable.</p> <p>Joan Nowak is a Small Business Profit Builder, seasoned Business Coach, and creator of the Hybrid Coaching System for small businesses. For additional resources and ideas to grow your small business, visit <a href="http://www.hybridbizadvisors.com/" target="_new">http://www.HybridBizAdvisors.com</a>. While you are there, join her mailing list to get her monthly eNewsletter and receive a free copy of her eBook, Mastering the 7 Elements of Business Success.</p> <p><strong><em>If you are small business owner, ask about our Business Owners Policy (BOP). This is specifically designed to protect you. <a href="http://www.ccisca.com/contact.aspx">Contact Us </a>at (800) 807-6871 to find out more. Or, complete our online <a href="http://www.ccisca.com/business/bop_quote.aspx">BOP Quote </a>form today! </em></strong></p> </div> </div>urn:uuid:f81af068-3b3d-4381-bfc3-5895a79d9e59<img src='http://www.ccisca.com/img/~www.ccisca.com/normal%20car.png' align='left' /> In some ways, auto insurance policies are like snowflakes. No, they aren&rsquo;t cold or wet, and they sure don&rsquo;t fall from the sky, but they are unique and tailored to each individual policyholder. That makes it impossible to answer certain...Wed, 25 Jan 2012 15:57:32 -0600<img alt="" src="/img/~www.ccisca.com/normal%20car.png" /><br /> <br /> In some ways, auto insurance policies are like snowflakes. No, they aren&rsquo;t cold or wet, and they sure don&rsquo;t fall from the sky, but they are unique and tailored to each individual policyholder.<br /> <br /> That makes it impossible to answer certain questions with a blithe yes or no response. Instead, we have no choice but to refer you to your policy or agent. One example of a question that can&rsquo;t be answered with a simple yes or no is that of the need for special coverage for GPS, DVD players and other electronic equipment in your vehicle.<br /> <br /> You see, cars and driving aren&rsquo;t exactly like they used to be. There once was a time when watching television in a car would have involved the transport of a bulky, antennae-clad television with the world&rsquo;s longest extension cord.<br /> <br /> Modern technology has a short shelf life and a faster-than-ever evolution speed, and car insurance policies can&rsquo;t always keep up. Generally speaking, your auto insurance policy probably offers some protection against the loss of personal property in your vehicle under certain circumstances.<br /> <br /> Beyond that, drivers can generally expect that electronic items (no matter how new-fangled they are) actually installed in the automobile so that they are considered &ldquo;part&rdquo; of the vehicle are covered in the policy. Some removable items, such as CB antennas and portable DVD players, may not be or may only be if you have comprehensive coverage.<br /> <br /> As always, no matter what is covered in your policy, you still need to consider both your deductible and limit as well. For instance, let&rsquo;s say that you have a $500 stereo installed in your car and it is stolen, but your deducible per instance is $1,000. In this case, the loss of the stolen stereo falls under the heading of your deductible. Likewise, when the sum value of all the electronic items you add to upgrade your vehicle exceeds your policy limits, you will be financially responsible for their replacement.<br /> <br /> Another type of protection you may want to consider is a <strong>Mechanical Breakdown Protection plan.</strong> Sometimes referred to as an extended warranty, this plan covers the cost to repair your vehicle when it breaks down. So if you just purchased a new vehicle, or if your warranty is about to expire, you need to speak with one of our agents. Just call us at<span style="color: #e36c09; font-size: 16px;"> <strong>(800) 807-6871</strong></span> or complete our no obligation<strong><span style="font-size: 16px;"> </span></strong><a href="http://www.inscontact.com/public/link/?l=4594&amp;r=Lmb_vWbp9Fxf98PPdIID0PHJwnSFxJDztC4xM6-dS47NUX9R3lkrIg2&amp;v=pL5pc3BxGSg5ACPN7p9Nk4mB4JW6RhLsz0pdXJDVfdg1" title="http://www.inscontact.com/public/link/?l=4594&amp;r=Lmb_vWbp9Fxf98PPdIID0PHJwnSFxJDztC4xM6-dS47NUX9R3lkrIg2&amp;v=pL5pc3BxGSg5ACPN7p9Nk4mB4JW6RhLsz0pdXJDVfdg1"><strong><span style="font-size: 16px;">Quote</span></strong></a><strong> </strong>form. It will only take a couple of minutes and it could save you thousands of dollars down the road.urn:uuid:e2f43ca0-d6ba-4386-981f-f17618d305e9Cliff Cottam Insurance Services is happy to pass along this facebook scam article to our clients.&nbsp; It is&nbsp;written by Carla McNeil&nbsp;of Butterfly Networking.&nbsp; As always, we&nbsp;not only&nbsp;want to help you&nbsp;protect your cars, h...Mon, 23 Jan 2012 17:11:53 -0600<h1 id="post-4022"><a href="/default.aspx"><span style="font-size: 16px;">Cliff Cottam Insurance Services </span></a><span style="font-size: 16px;">is happy to pass along this facebook scam article to our clients.&nbsp; It is&nbsp;written by </span><a href="http://butterflynetworking.com/author/Carla%20McNeil/" title="Posts by Carla McNeil" rel="author"><span style="font-size: 16px;">Carla McNeil</span></a><span style="font-size: 16px;">&nbsp;of Butterfly Networking.&nbsp; As always, we&nbsp;not only&nbsp;want to help you&nbsp;protect your cars, homes, and businesses, but keep you safe&nbsp;online too.&nbsp; Thank you Carla for this important article.<br /> <br /> ------------------------------------------------------------------------</span></h1> <p><span style="font-size: 16px;">"I just received a chat message from someone I know on Facebook.&nbsp; The chat said I had been reported as a bad guy&nbsp;&amp; needed to reconfirm my information.&nbsp; I immediately thought &ldquo;what in the world had someone taken offense to?&rdquo;</span></p> <p><span style="font-size: 16px;">AND off I went to &ldquo;fix it&rdquo;</span></p> <p><span style="font-size: 16px;">Luckily as I was half way through my reconfirming my information I stopped and really took a look at the site I was about to provide my information to.</span></p> <p><span style="font-size: 16px;">Thank goodness I did! Because it&rsquo;s new Facebook Scam!!</span></p> <p><span style="font-size: 16px;">Here is a screen shot of my FaceBook profile"</span></p> <p><a href="http://butterflynetworking.com/4022/another-new-facebook-scam/"><span style="font-size: 16px;">http://butterflynetworking.com/4022/another-new-facebook-scam/</span></a><a href="http://butterflynetworking.com/wp-content/uploads/2012/01/Facebook-Scam.png"></a></p>urn:uuid:468533c7-4f93-4e85-a0b3-9ccf4d16e3ad<img src='http://www.ccisca.com/img/~www.ccisca.com/business.png' align='left' /> Cliff Cottam Insurance Services is expanding! We have several job openings. We are looking for Property &amp; Casualty and Health Insurance Agents. Must be licensed with the California Department of Insurance. We also have internships for:&nbsp; ...Wed, 18 Jan 2012 11:34:49 -0600<p style="text-align: center;"><img alt="" src="http://www.ccisca.com/img/~www.ccisca.com/business.png" /></p> <div style="text-align: left;"> <br /> Cliff Cottam Insurance Services is expanding! We have several job openings. We are looking for Property &amp; Casualty and Health Insurance Agents. Must be licensed with the California Department of Insurance.<br /> <br /> We also have internships for:&nbsp;<br /> </div> <div style="text-align: left;"> </div> <div style="text-align: left;"> <ul> <li>Customer Service Representatives/Insurance Trainee , and&nbsp; </li> <li>Social Media &amp; Web Developer&nbsp;</li> </ul> </div> <p>If you are interested in joining our team, please complete a job application, submit a resume or call us at (800) 807-6871.<br /> <br /> <br /> <a href="/category.aspx?id=MISC3">Property &amp; Casualty Insurance Agent</a><br /> <br /> <a href="/category.aspx?id=MISC6">Social Media Engineer&nbsp;&amp; Web Developer</a>&nbsp;&nbsp;&nbsp;<br /> <br /> <a href="/category.aspx?id=MISC18">Customer Service Rep/Insurance Trainee</a><br /> <strong> </strong> <em></em><br /> <a href="http://www.ccisca.com/category.aspx?id=MISC15">Employment Application</a></p>urn:uuid:9ee93bc1-e24b-4cc9-a2d7-86508c967fa8<img src='http://www.ccisca.com/img/~www.ccisca.com/header_home.png' align='left' /> As winter brings cool weather and a need for heat, it also brings a high risk of home fires. You can follow a few simple safety rules this winter to stay cozy without starting a fire that damages your biggest investment. 1. Be a candle snuffer: S...Thu, 12 Jan 2012 11:30:01 -0600<p ><br /> <img alt="" style="width: 500px; height: 185px;" src="/img/~www.ccisca.com/header_home.png" /><br /> <br /> As winter brings cool weather and a need for heat, it also brings a high risk of home fires. You can follow a few simple safety rules this winter to stay cozy without starting a fire that damages your biggest investment. </p> <p>1. Be a candle snuffer: Scented candles lend warmth and spirit to the cold, holiday season, but left unattended or forgotten they can start fires. To avoid this, add candle snuffing to your nightly routine right along with locking doors and turning out lights. As an added measure, keep candles in the right-sized candle holders and keep them away from flammable items such as paper. </p> <p>2. Use only heaters for heating: You wake in the morning and it&rsquo;s colder than you expected. Your heating system hasn&rsquo;t been inspected yet, and there is one appliance in your home that heats up fast and well&mdash;your oven. So why not turn it on just to take the chill out of the air? While it may inadvertently heat your home, your oven wasn&rsquo;t meant to be used solely as a source of heat. You can expose your family to toxic fumes and even ruin your heating elements when you use an oven or range in this way. </p> <p>3. Mind the cords: As you decorate your home, plug in electric blankets and use space heaters, your outlets are going to face a lot more use than they might during summer. Check the amp load on all your extension cords and power strips and compare it to the amps you are actually asking it to handle. Also, make sure never to leave the strip plugged in and operational when unattended. </p> <p>4. Call in the professionals: Whether you use kerosene heaters, wood stoves, furnaces or fireplaces to heat your home in the winter, call in a professional to inspect, clean and repair them each year. It is worth this minimal investment of time and money to keep your home and family safe. </p> <p>5. Buy fire extinguishers: Have a fire extinguisher in every room that has lit candles, space heaters or other potential fire hazards. </p> <p>It doesn&rsquo;t take much to keep your family safe from fires during the winter. Just use common sense, caution and realistic expectations for your electronics and heaters and you will hopefully avoid disaster. <br /> <br /> Be safe and protect your family against a devastating loss.&nbsp; Why not give <a href="/contact.aspx">Cliff Cottam Insurance Services </a>a call to find out if we can find you&nbsp;discounts by combining your auto and home or renter's&nbsp;insurance today!&nbsp;<br /> <span style="font-size: 16px;"><strong><em><br /> <span style="color: #4f6128;">(800) 807-6871</span></em></strong></span></p>urn:uuid:5b8a6f6e-b087-4d91-92be-cd4406b7ca74<img src='http://www.ccisca.com/img/~www.ccisca.com/normal%20car.png' align='left' /> Car insurance is required in California. It protects the insured financially in the event of an accident. Car insurance is a valuable asset; however, there are a lot of myths associated with it. This article will look at common myths that many Amer...Mon, 09 Jan 2012 17:21:02 -0600<p style="text-align: center;"><img alt="" src="/img/~www.ccisca.com/normal%20car.png"></img> <div style="text-align: left;"> Car insurance is required in California. It protects the insured financially in the event of an accident. Car insurance is a valuable asset; however, there are a lot of myths associated with it. This article will look at common myths that many Americans believe about car insurance, and how you can protect yourself from these myths. </div> </p> <ul> <li><strong>Full Coverage</strong> is a common term people use when referring to what their auto policy covers, however, it is very misleading as there isn&rsquo;t a policy that coverages all accidents in full. Auto policies will include limits for the amount they will pay for damages caused to others. In addition, most auto policies will only pay Actual Cash Value in the event your own vehicle is totaled. Actual Cash Value is equivalent to the amount you could sell the vehicle for prior to the accident. It has nothing to do with what it would cost to replace your vehicle. </li> <li><strong>Anyone over 25 is covered to drive my vehicle.</strong> Who is covered to drive your automobile can differ from policy to policy. However, a typical auto policy will only provide coverage for individuals listed on the policy and for occasional drivers that have permission to drive the automobile. </li> <li><strong>Red cars have higher insurance rates.</strong> The myth began when people began to believe those with red cars were more likely to get a speeding ticket as their vehicle was easier to spot by police officers. While yes, speeding tickets can affect insurance rates, the color of your vehicle doesn&rsquo;t. </li> <li><strong>If I lend my car to a friend and the friend wrecks my car, his or her insurance will pay.</strong> It will depend on the state you live in. Some states will require the friend driving the vehicle to reimburse the insurance company if the vehicle is damaged due to their fault. </li> <li><strong>I can purchase auto insurance after the accident and I&rsquo;ll be covered.</strong> Insurance is designed to cover unforeseen accidents. This philosophy could be compared to buying a lottery ticket after the numbers were announced and expecting to win. </li> <li><strong>My loan will be paid off if my car is totaled.</strong> As mentioned earlier, most insurance policies will only pay the Actual Cash Value of the vehicle, which is defined as what the car cost new less depreciation. If you owe more money to the lender than the Actual Cash Value, you very well may end up owing on a vehicle that is no longer drivable. </li> <li><strong>If I have any personal property in my car, my car insurance will cover it.</strong> Auto insurance is designed to cover the automobile, not personal property in the automobile. Personal property in the vehicle can be covered on a renters or homeowner policy. </li> <li><strong>I don&rsquo;t want to list my teen driver on my policy because I don&rsquo;t want to be held liable if they get in an accident.</strong> Parents are responsible for the actions of their children. The auto policy does not create the liability, it provides coverage to the parent for that liability. If the teen is not insured, the parent will still be responsible for any accidents they cause. And, if you have a teen just learnng to drive, make sure that you contact us with their learners permit information to ensure that they are covered under your policy. </li> <li><strong>The only way to get coverage to drive any car is by purchasing &ldquo;non-owners&rdquo; insurance.</strong> Auto insurance was designed to provide coverage for the vehicle owner, not the car. The car isn&rsquo;t going to be the one in court in the event a lawsuit results from a car accident; it will be the vehicle owner. Therefore, in most cases with some exceptions, the auto policy will provide coverage for the policyholder when they are driving other people&rsquo;s vehicles. </li> </ul> <p>There are several myths regarding auto insurance. It is better to bust these myths so that you are not caught in a bind when buying auto insurance. Breaking these myths will keep you better informed and forearmed against misconceptions before purchasing auto insurance. Always be sure to discuss your concerns with a <a href="http://www.inscontact.com/public/link/?l=1266&amp;r=ecuBrcp2-QuX3Lc8VlVOVgbK1CBbmR4LqMpl-6uvIxVF7wLlzyybdA2&amp;v=wFXlkASd-necnhZUYAg-7K6-lNKgbmf3fXwY3WMQWqk1" title="http://www.inscontact.com/public/link/?l=1266&amp;r=ecuBrcp2-QuX3Lc8VlVOVgbK1CBbmR4LqMpl-6uvIxVF7wLlzyybdA2&amp;v=wFXlkASd-necnhZUYAg-7K6-lNKgbmf3fXwY3WMQWqk1">Cliff Cottam Insurance Services Agent</a>. Or, just give us a call at <strong>(800) 807-6871.</strong> We would be more than happy to answer any questions you may have.</p>urn:uuid:c313128f-bd06-4f42-97b1-7e914ffaf3f6<img src='http://www.ccisca.com/img/~www.ccisca.com/header_flood.png' align='left' /> As a home owner, you know that you need certain types of insurance not only to make your lender happy, but also to provide you with some financial protection against the losses that follow an insurable incident. But is home insurance, a product tha...Fri, 06 Jan 2012 11:37:24 -0600<img alt="" style="width: 500px; height: 200px;" src="/img/~www.ccisca.com/header_flood.png"></img><br /> <br /> As a home owner, you know that you need certain types of insurance not only to make your lender happy, but also to provide you with some financial protection against the losses that follow an insurable incident. But is home insurance, a product that protects you financially from losses that your dwelling structure and contents can experience after certain incidents, enough?<br /> <br /> There is one mistake that many homeowners make when purchasing their home insurance policies. They assume that any claim affecting their home will be covered by the policy. But in the case of a flood, this is assumption is false because home insurance policies do not cover the financial damage brought by floods.<br /> <br /> A flood is generally classified as the rising water level of a body of water. So if a nearby stream, lake, pond or other water source rises after rain, melting snow or hurricane and moves in to destroy your home, the claim would not be covered unless you actually carried flood insurance.<br /> <br /> In some areas, flood insurance is required by your mortgage lender because the area is considered at high risk for a flood. But in other areas, flood insurance is a line that you can choose to carry or not.<br /> <br /> Home insurance policies are designed to cover damages to your property that are caused by insurable incidents not excluded by the policy. This could include events like fire, vandalism, hurricanes, tornadoes, etc. Incidents covered will depend on the class of your policy. If your home floods as a result of your roof being badly damaged during a storm and rainwater collecting in your home, this is the type of event that would more than likely be covered by your home insurance policy. <br /> <br /> Remember, flood insurance is specifically designed to cover flood activity. Home insurance is a broader based policy that covers more individual insurable events, but does not cover floods. <br /> <br /> If you would like to find out how much Flood Insurance would cost you, why not let one of our friendly&nbsp;agents give you a fast, free quote.&nbsp; Just give us a call at<strong><span style="color: #366092; font-size: 16px;"> (800) 807-6871</span></strong>&nbsp;or complete an <a href="/flood/insurance_quote.aspx"><span style="font-size: 16px;"><strong>online quote </strong></span></a>today?urn:uuid:6a1022f8-de38-48db-9a7a-ce493c0f8c4f<img src='http://www.ccisca.com/img/~www.ccisca.com/Homes-For-Sale.jpg' align='left' /> Is All Your Personal Property Covered? The personal property (or contents) coverage in your home insurance policy has some pretty specific guidelines that determine what is, and isn&rsquo;t, covered. It also determines how much coverage you can...Tue, 03 Jan 2012 12:40:46 -0600<p style="margin: auto 0in; text-align: center;"><b><br /> <br /> <img alt="" style="width: 273px; height: 246px;" src="/img/~www.ccisca.com/Homes-For-Sale.jpg"></img><br /> <br /> <span style="color: #e36c09;"><span style="font-size: 16px;">Is All Your Personal Property Covered?</span> <br /> </span><br /> </b>The personal property (or contents) coverage in your home insurance policy has some pretty specific guidelines that determine what is, and isn&rsquo;t, covered. It also determines how much coverage you can expect per incident.</p> <p style="margin: auto 0in;"><strong>Actual Value and Replacement Value</strong></p> <p style="margin: auto 0in;">The first point to pay attention to is how the value of your property is determined when you make a claim. Your policy will specify that it pays either replacement value for damaged property, or actual value. Replacement value is the reasonable cost to replace the item you lost with a similar, new item. If your policy pays actual cash value, then they will take the replacement cost and subtract an amount for wear and tear.</p> <p style="margin: auto 0in;">This is one of the reasons why having a home inventory with receipts, serial and model numbers, as well as pictures of your property is so important. This will make it easier for an insurance adjuster to estimate the value of the loss and give you an accurate benefit amount.</p> <p style="margin: auto 0in;"><strong>Individual Item Coverage</strong></p> <p style="margin: auto 0in;">Contents coverage is pretty broad in most home insurance policies. Your furniture, d&eacute;cor, appliances, clothes and some electronics will likely be covered, including those items kept in outdoor storage structures. However, property such as your firearms, artwork, cash, jewelry and some other valuables may not be covered or may have a value that exceeds the limits of your policy. You can get special endorsements to cover these items. These endorsements may require the items, and their value, to be detailed within the policy and may require professional appraisals. </p> <p style="margin: auto 0in;"><strong>Other Coverage Points</strong> </p> <ul> <li>If your credit cards are stolen, you may not have coverage in your policy unless you have an endorsement for credit card forgery. </li> <li>Contents coverage extends to most digital possessions such as MP3s and e-readers as long as you can prove ownership and cannot re-download the content. </li> <li>Business property within the home may not be covered unless your policy specifies that it is. </li> </ul> <p style="margin: auto 0in;">It&rsquo;s important that your home insurance coverage provide adequate protection for your individual needs. Give us a call at <span style="color: #e36c09; font-size: 16px;"><strong>(800) 807-6871</strong></span> and we can work together to make sure that everything you need covered, is.<br /> &nbsp;<br /> <a href="http://www.ccisca.com/">Cliff Cottam Insurance Services </a>will help you determine the best protection for your situation.</p>urn:uuid:c3077298-fb10-4d24-8070-13c9d1ae3581<img src='http://www.ccisca.com/img/~www.ccisca.com/JP-PARKING-articleInline%5B1%5D.jpg' align='left' /> CHP crackdown on distracted drivers begins today. Not just officers in patrol cars will be out watching. Plain clothed officers will be standing on corners &amp; looking in cars for offenders who will be fined $166. The&nbsp;CCIS staff wishes all ...Fri, 30 Dec 2011 10:46:26 -0600<img alt="" src="/img/~www.ccisca.com/JP-PARKING-articleInline%5B1%5D.jpg"></img><br /> <br /> <span style="font-family: verdana;"><span style="font-size: 16px;"> CHP crackdown on distracted drivers begins today. Not just officers in patrol cars will be out watching. Plain clothed officers will be standing on corners &amp; looking in cars for offenders who will be fined $166. The&nbsp;</span><a href="/get_a_quote/default.aspx"><span style="font-size: 16px;">CCIS</span></a><span style="font-size: 16px;"> staff wishes all of you a happy &amp; safe new year!<br /> </span></span> <br />urn:uuid:a8d6758d-0fde-4794-84f1-b24d2ede47fa&nbsp;The&nbsp;Cliff Cottam Insurance Team is passing along a safety message for anyone parking in shopping centers. You walk across the parking lot, unlock your car and get inside. You start the engine and shift into reverse. When you look into the...Mon, 26 Dec 2011 12:18:32 -0600&nbsp;<span style="font-size: 16px;">The&nbsp;</span><a href="/default.aspx"><span style="font-size: 16px;">Cliff Cottam Insurance Team</span></a><span style="font-size: 16px;"> is passing along a safety message for anyone parking in shopping centers.<br /> <br /> You walk across the parking lot, unlock your car and get inside. You start the engine and shift into reverse. When you look into the rearview mirror to back out of your parking space, you notice a piece of paper stuck to the middle of the rear&nbsp;window. So, you shift into Park, unlock your doors, and jump out of your car to remove that paper (or whatever it is) that is obstructing&nbsp;your view. <br /> <br /> When you reach the back of your car, that is when the&nbsp;carjackers appear out of nowhere, jump into&nbsp;your car and take off.&nbsp; They practically mow you down as they speed off in your car.&nbsp; And guess what, ladies?&nbsp; I bet your purse is still in the car.&nbsp; So now the carjacker has your car, your home address, your money, and&nbsp;your keys. Your home and your whole identity are now compromised!<br /> <br /> Beware of this new scheme.&nbsp; If you see a piece of paper stuck to your back window, just drive&nbsp;away.&nbsp; Remove the paper later.&nbsp; And be thankful that you read this&nbsp;e-mail.&nbsp; I hope you will forward this to friends and family,&nbsp;especially to women.&nbsp; A purse contains all kinds of personal&nbsp;information and identification documents, and you certainly do NOT&nbsp;want this to fall into the wrong hands.<br /> <br /> Please keep safe when you are out and about to protect yourself!&nbsp; If you are thinking of reevaluting&nbsp;your auto, home, or&nbsp;business protection, give us a call for a</span><a href="/get_a_quote/default.aspx"><span style="font-size: 16px;"> free quote </span></a><span style="font-size: 16px;">at (800) 807-6871.&nbsp;We would be happy to look for options to save you more money in these difficult economic times.</span>urn:uuid:449f2d73-21cb-4650-9d4f-dcefc65ec231<img src='http://www.ccisca.com/img/~www.ccisca.com/elp_badge_home_auto_lg.jpg' align='left' /> As Independent Agents we represent a carefully selected group of financially sound, reputable insurance companies. We are proud to have been chosen by Dave Ramsey as an "Endorsed Local Provider" for insurance products. Dave is a well known and hig...Sat, 24 Dec 2011 12:43:00 -0600<span style="font-size: 16px;"><br /> As Independent Agents we represent a carefully selected group of financially sound, reputable insurance companies. We are proud to have been chosen by Dave Ramsey as an "Endorsed Local Provider" for insurance products. <br /> <br /> Dave is a well known and highly respected financial guru. He has taught financial principles to millions via radio, books, <em>Financial Peace University</em>, live events and online. Start the new year with a "Plan to Get Out of Debt". Get out of debt the same way you learned to walk&mdash;one step at a time. Get started on Dave's Plan: Read more at </span><a href="http://www.daveramsey.com/new/baby-steps/"><span style="font-size: 16px;">http://www.daveramsey.com/new/baby-steps/</span></a><br /> <br /> <span style="color: #c00000; font-size: 16px;"><em>After the Holidays, we all need to get our finances back on track.&nbsp; To help you, Cliff Cottam Insurance Services is&nbsp;sponsoring a Sweepstakes to win a $99 Dave Ramsey online financial course.&nbsp;&nbsp;Just like us on</em></span><em></em><em><span style="color: #c00000;"><span style="font-size: 16px;">&nbsp;</span><a href="http://www.facebook.com/fbccisca?sk=app_11007063052#!/fbccisca?sk=app_10467688569"><span style="font-size: 16px;"><strong>Facebook</strong></span></a><span style="font-size: 16px;"> for a chance to win!&nbsp; <br /> </span></span><br /> </em>. <br /> <img alt="" width="283" height="210" style="width: 151px; height: 83px;" src="http://www.ccisca.com/img/~www.ccisca.com/elp_badge_home_auto_lg.jpg"></img><br /> <br /> <br /> <br /> <span style="font-size: 16px;">"If you would like a free consultation on insurance, we would love to chat with you.&nbsp; Just call us at (800) 807-6871 or complete this easy </span><a href="http://www.ccisca.com/contact.aspx"><span style="font-size: 16px;">Contact Us </span></a><span style="font-size: 16px;">form today." <br /> </span>urn:uuid:7b21c1a9-12c6-4485-a41e-54088e75e48d<img src='http://www.ccisca.com/img/~www.ccisca.com/business.png' align='left' /> &nbsp; Cliff Cottam Insurance Services&nbsp;is expanding! We have several job openings.&nbsp; We are looking for Property &amp; Casualty and Health Insurance Agents. Must be licensed with the California Department of Insurance. We also have intern...Thu, 22 Dec 2011 13:35:17 -0600<span style="font-size: 16px;"> <p style="text-align: center;"><img alt="" src="/img/~www.ccisca.com/business.png"></img></p> <div style="text-align: left;">&nbsp;<br /> Cliff Cottam Insurance Services&nbsp;is expanding! We have several job openings.&nbsp; We are looking for Property &amp; Casualty and Health Insurance Agents. Must be licensed with the California Department of Insurance.<br /> <br /> We also have internships for Customer Service/Insurance Trainee Reps and Social Media Interns.&nbsp;&nbsp;<br /> <br /> If you are interested in joining our team, complete a job application, submit your resume, or call us at (800) 807-6871 today!<br /> <br /> <a href="/category.aspx?id=MISC3"><strong>Independent Insurance Agent<br /> </strong><br /> </a><br /> <a href="/category.aspx?id=MISC6"><strong>Social Media Intern<br /> <br /> <br /> </strong></a> </div> </span> <div style="text-align: left;"><a href="/category.aspx?id=MISC18"><strong>Customer Service Rep/Insurance Trainee<br /> </strong></a><a><br /> <em> </em><strong><em> </em></strong></a> <strong> <br /> </strong><a href="http://www.ccisca.com/category.aspx?id=MISC15"><strong>Employment Application</strong></a></div>urn:uuid:6fca6523-a621-4066-ba5c-68c494e44bcc<img src='http://media.sacbee.com/smedia/2011/12/01/18/01/uZvQs.Hi.4.jpg' align='left' />The Cliff Cottam Insurance Services Team want to wish you and your family a Happy and Joyous Holiday!! What's New? After 7 years at 3830 Watt Avenue, Sacramento, CA we are expanding and have moved to a new location! Our new location is: 1111 Ho...Fri, 16 Dec 2011 11:30:37 -0600<p><strong><em><span style="color: #c00000; font-size: 16px;">The Cliff Cottam Insurance Services Team want to wish you and your family a Happy and Joyous Holiday!!<br /> </span> <br /> <br /> </em></strong><em><span style="font-size: 16px;"><strong>What's New?</strong><br /> </span></em><span style="text-decoration: underline;"><br /> </span>After 7 years at 3830 Watt Avenue, Sacramento, CA we are expanding and have moved to a new location!<br /> <br /> <strong><em>Our new location is:</em></strong><strong><em> <br /> </em></strong>1111 Howe Avenue Suite 535 (between Hurley and Northrup) <br /> Sacramento, CA, 95825<br /> <br /> <strong><em>Our mailing address will remain the same:</em><em> <br /> </em></strong><em></em><em></em>P.O. Box 581435<br /> Elk Grove, CA 95758 <br /> <em>If you'd like directions, </em><a href="http://www.ccisca.com/locations/ca/sacramento/cliff_cottam_insurance_services.aspx"><em>click here for a map</em></a><em>.<br /> <br /> </em><strong><em><br /> <span style="color: #c00000; font-size: 16px;"><strong><em>The Nutcracker Ballet is a Holiday Tradition for our agent/partner Anne Siebum<br /> </em></strong><br /> </span><strong><em><span style="color: #c00000; font-size: 16px;"><img alt="7N4NUTSIDE.JPG" src="http://media.sacbee.com/smedia/2011/12/01/18/01/uZvQs.Hi.4.jpg" longdesc="Anne Siebum danced her first Nutcracker in1993; her 7 year old daughter will perform in the 2011 version. "></img></span><br /> </em></strong><br /> Here is an article from the Sacramento Bee<br /> <br /> <a href="http://www.sacbee.com/2011/12/04/4094181/nutcracker-performers-often-follow.html#ixzz1fh2nmWu4" style="color: #003399;">http://www.sacbee.com/2011/12/04/4094181/nutcracker-performers-often-follow.html#ixzz1fh2nmWu4</a><br /> <br /> It seems it is now a family tradition. Our agent/partner Anne Siebum danced in her first "Nutcracker" in the 1993's Sacramento Ballet production. Anne <em>Cottam</em> was a maid and a snowflake in the first act. In Act 2, she danced the Chinese Tea segment and twirled in the Waltz of the Flowers.</em></strong></p> <strong> <p style="text-align: center;">Today, Anne Cottam is married; she's Anne Siebum. The pointe shoes are tucked away, but not her passion for dance. She's passing that love to her oldest daughter, Isabelle, 7, who will perform for the first time as a cook in the 2011 version of the ballet's classic holiday show, which continues through December 23 at the <a href="http://topics.sacbee.com/Community+Center+Theater/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Community Center Theater</a><br /> <br /> Anne's memories of being in 'The Nutcracker' are not only of the dancing, but being backstage. "Getting makeup on, getting dressed, having fun &ndash; being told to be quiet." <br /> <br /> Anne danced for 18 years and says she's thrilled with the program and what it's meant to her as a former dancer and now a mother.</p> <p> "I'm so happy that the ballet has a school," she said. "I struggled to find something for the girls that I was satisfied with. Mr. (Ron) Cunningham is fantastic with kids."</p> <p style="text-align: center;">The program and "The Nutcracker" have added meaning because Isabelle has overcome much to take classes and perform. When she was just shy of her second birthday, she suffered from a combination of meningitis and encephalitis. The illness was devastating.</p> <p style="text-align: center;">"It was like holding a 2-year-old in your arms who had the capacities of a newborn," Siebum said. "Through therapy, she had to relearn to walk. She's a totally normal kid now who loves ballet." </p> <p style="text-align: center;">&nbsp;</p> <p style="text-align: center;"><em><span style="color: #c00000; font-size: 16px;">We look forward to working with you, and wish you and your family Happy Holidays!</span> <br /> Visit us at our improved <a href="http://www.ccisca.com/">website</a> </em></p> <br /> </strong>urn:uuid:cb01f818-ea6d-4e16-852c-495544a11740<img src='http://www.ccisca.com/img/~www.ccisca.com/5252491065_bbb805293e_thumb.jpg' align='left' />&nbsp; 2011 CHILD ABUSE AWARENESS CAMPAIGN In a recent national survey, child abuse cases rose 27% throughout the nation. So, if you notice any signs that indicates a child has been abused and mistreated, we urge you to report it - as the actions...Mon, 05 Dec 2011 13:42:05 -0600<p>&nbsp;</p> <em><strong>2011 CHILD ABUSE AWARENESS CAMPAIGN<br /> <br /> </strong> <img alt="" src="/img/~www.ccisca.com/5252491065_bbb805293e_thumb.jpg"></img><br /> <br /> In a recent national survey, child abuse cases rose 27% throughout the nation. So, if you notice any signs that indicates a child has been abused and mistreated, we urge you to report it - as the actions you take may just save a child's life.<br /> <br /> Cliff Cottam Insurance Services is doing our part to remind everyone to report child abuse. To support this important message, we have partnered with with KHLX 93.1 FM Radio. Tune in between 5 &amp; 8 p.m. tonight through December 9th to hear our message. Every child deserves to be treated with love and care. <br /> <br /> </em><a href="http://www.ccisca.com/default.aspx"><em>Cliff Cottam Insurance Services </em></a><em>is now located at 1111 Howe Avenue, Suite 535 in Sacramento. We are the insurance firm you can trust, providing all lines of full coverage from commercial to personal, including: business, property, home, auto, flood, and earthquake insurance. <br /> <br /> Call us at 1(800)-807-6871 for a free </em><a href="http://www.ccisca.com/get_a_quote/default.aspx"><em>policy quote</em></a><em>. You can also visit us online at </em><a href="http://www.ccisca.com/"><em>www.ccisca.com/</em></a><em>. <br /> <br /> Cliff Cottam Insurance Services is on the air because we care!&nbsp; <br /> <br /> </em>urn:uuid:7432e184-35b6-4b3f-ae86-bc3424851e04 Cliff Cottam Insurance Services offers a wide variety of features for our users and friends to navigate easily throughout our website. We also have many tools for every need having to do with insurance. Within our website on the upper left hand corn...Fri, 25 Nov 2011 17:40:26 -0600<span style="font-size: 16px;"> Cliff Cottam Insurance Services offers a wide variety of features for our users and friends to navigate easily throughout our website. We also have many tools for every need having to do with insurance. Within our website on the upper left hand corner of the screen is our main menu; we have many useful tabs within the main menu to make your insurance life easier! Here are a few of our features:&nbsp;</span> <span style="font-size: 16px;">&nbsp;</span> <p><a href="http://www.ccisca.com/category.aspx?id=MISC14"><strong><span style="font-size: 16px;">Make a Payment</span></strong></a><span style="font-size: 16px;">: Here, you can quickly and easily make a payment on your policy. The insurance carriers listed on this page will accept your credit card or electronic check payments. If you are making a payment to: Fidelity, Foremost, McGraw, Mercury, Progressive, Victoria or Viking, please click directly to their link shown on the page. If your insurance company is not listed, please click on the Make a Payment form link at the bottom of the page. If you have any questions, please feel free to contact us. <br /> <br /> </span><a href="http://www.ccisca.com/links.aspx"><strong><span style="font-size: 16px;">Insurance Company Links</span></strong></a><span style="font-size: 16px;">: This tab will lead you to many helpful website and links dealing with homes, auto and other needs. Websites include: Kelly Blue Book, AM Best, Edmunds, DMV 2011 Drivers Handbook, California Department of Real Estate First Time Buyer's and Renter's Handbook, Sac Bee Classified, California Department of Insurance, and Insurance Institute for Highway Safety. Below the links we have numerous insurance companies links. (Progressive, Mercury, Fidelity, etc.)<br /> <br /> </span><a href="http://www.ccisca.com/get_a_quote/default.aspx"><strong><span style="font-size: 16px;">Get a Quote</span></strong></a><span style="font-size: 16px;">: Not many people know about this feature and it has to be one of the easiest things to do! Getting an insurance quote can sometimes be difficult, not with Cliff Cottam Insurance though. We make it fast, effective and easy to get a free quote online. Just fill out the information asked and click submit! It is as easy as that.<br /> <br /> There are many other links, tabs and tools Cliff Cottam Insurance has to offer to our friends, these are just a few ones that are overlooked by our customers. Please take the time to look through our website and let us help you with your insurance needs. Also, do not forget about our </span><a href="http://www.ccisca.com/category.aspx?id=MISC9"><span style="font-size: 16px;">Sweepstakes </span></a><span style="font-size: 16px;">page where we almost always have a sweepstakes going on!</span> </p> <p>&nbsp;</p>urn:uuid:078f6c6a-54db-496d-a375-d89add144435<img src='http://madcowmedia.co/wp-content/uploads/2011/11/iStock_000016016909XSmall-241x300.jpg' align='left' /> With the Holidays fast approaching, we all need to be reminded to use our time more effectively.&nbsp; Here is a great article by Donald Murphy of Atkinson Brothers that the Cliff Cottam Insurance Services staff&nbsp;wanted to share. Effectively ...Sat, 19 Nov 2011 07:02:38 -0600<br /> <span style="font-size: 16px;">With the Holidays fast approaching, we all need to be reminded to use our time more effectively.&nbsp; Here is a great article by Donald Murphy of Atkinson Brothers that the</span><a href="/default.aspx"><span style="font-size: 16px;"> Cliff Cottam Insurance Services </span></a><span style="font-size: 16px;">staff&nbsp;wanted to share.</span> <p style="text-align: left;"><a href="http://madcowmedia.co/wp-content/uploads/2011/11/iStock_000016016909XSmall.jpg"><img width="241" height="300" title="Time Management " class="alignleft size-medium wp-image-2072" style="width: 135px; height: 162px;" alt="7 Tips To Help Manage Your Time" src="http://madcowmedia.co/wp-content/uploads/2011/11/iStock_000016016909XSmall-241x300.jpg"> <div style="text-align: center;"></div> </img></a></p> <p style="text-align: left;"><span style="font-size: 16px;"><strong>Effectively Stay On Task</strong></span> </p> <p>1.<strong> Keep a list</strong>.</p> <p>Create a daily task list on paper for your whole day or week. If you think creating a list in your mind is just as effective, think again. The truth is, you&rsquo;re more likely to waste precious time just trying to remember what&rsquo;s ahead!</p> <p>* When you take the time to create a list, you&rsquo;re giving yourself a visual confirmation of what&rsquo;s next. When you have a list to refer to, there&rsquo;s no arguing what comes next and you won&rsquo;t have any excuse to stray from your plan.</p> <p>2. <strong>Schedule time for meetings and events.</strong></p> <p>Set up specific times when people can come in and interrupt your work. Let your co-workers know what works for you and strive to stick to it as much as possible.</p> <p>* For example, it&rsquo;s often helpful if your co-workers know they need to leave you alone for two or three hours in the morning, but then after that they can come in and ask questions or get advice from you as needed.</p> <p>3. <strong>Refuse to check email every five seconds.</strong></p> <p>If you interrupt your workday by checking your email too frequently, you can get side tracked just as you are building momentum. Set specific times when you check email. It could be twice a day, or every few hours, but the goal is to eliminate unnecessary distractions.</p> <p>* You can also send an automated reply that explains when you check email and when the sender should expect a response. I&rsquo;m sure people can wait a few hours for a response!</p> <p>4. <strong>Budget time for Facebook, Twitter and instant messaging services</strong>.</p> <p>Sure, communicating with your clients and colleagues is immensely important but managing your time effectively is most important. If you don&rsquo;t manage your time on the social networks it will end up managing you and that is not a good thing. Schedule a consistent amount of time per hour to reply to all comments, questions, and conversations that may come your way via social media. I like to schedule 15 minutes per hour to communicate directly with those who communicate with me on Facebook and Twitter. Everyone in our office is assigned a 15 minute block per hour throughout the day to communicate with our clients/perspective clients via social media. This allows us to always be available without being overwhelmed.</p> <p>5. <strong>Use headphones to block out noise.</strong></p> <p>If you have trouble focusing on your work because of the noise around you, wear a pair of noise-canceling headphones. If you don&rsquo;t want any sound at all, get some earplugs; it&rsquo;ll save your sanity!</p> <p>6. <strong>Get a comfortable chair.</strong></p> <p>Did you know that productivity and comfort go hand-in-hand? It&rsquo;s true. Having a comfortable chair makes a huge difference in how you think, feel, and perform. If a new chair is out of the budget, get one of those chair cushions. You&rsquo;ll find that it&rsquo;s a purchase that pays for itself.</p> <p>7.<strong> Clean up your workspace.</strong></p> <p>When your desk is clean and organized, it&rsquo;s much easier to stay focused on the task at hand. Why? Because you don&rsquo;t have to wade through the stacks and clutter to find what you need.</p> <p>* Even seeing the piles of junk in your peripheral vision may increase your internal tension! Keep only what you need for your current task and put everything else in its place.</p> <h2>You can stay focused!</h2> <p>Do you think you can implement some of these simple tips in your workflow? I know you can!</p> <p>You&rsquo;ll experience a huge difference in your productivity and &ndash; more importantly &ndash; your happiness, when you apply even just a few of these time-saving techniques. You&rsquo;ll be able to get more done faster than ever, leaving you with time for more important things, like having fun!</p>urn:uuid:4d91331e-85e2-44ee-82c8-50779b78c543<img src='http://www.loopnet.com/xnet/mainsite/HttpHandlers/attachment/ServeAttachment.ashx?FileGuid=04C0F88F-5AD5-4BAD-8DCD-8635B40A2DC5&amp;Extension=jpg' align='left' /> We are excited!!&nbsp; This week we have moved and launched an improved website. Just another way to serve our clients better. Let us know what you think? Visit us at our new site today! &nbsp; &nbsp; Fri, 18 Nov 2011 14:14:46 -0600<span style="font-family: georgia;"> <p><span style="font-size: 18px;">We are excited!!&nbsp; This week we have moved and launched an improved website. Just another way to serve our clients better. Let us know what you think? Visit us at our new</span><a href="/default.aspx"><span style="font-size: 18px;"> site </span></a><span style="font-size: 18px;">today!<br /> </span></p> <p style="text-align: center;"><span style="font-size: 18px;"><img alt="" class="ShadowBoxImage" id="ShadowBox_Image" style="display: block;" src="http://www.loopnet.com/xnet/mainsite/HttpHandlers/attachment/ServeAttachment.ashx?FileGuid=04C0F88F-5AD5-4BAD-8DCD-8635B40A2DC5&amp;Extension=jpg&amp;Width=631&amp;Height=421&amp;PadImage=False&amp;DisableVisualWatermark=&amp;ClipImage=False&amp;ExactDim=False"></img></span></p> <span style="font-size: 18px;"> <div style="text-align: left;">&nbsp;</div> </span> <p>&nbsp;</p> <p><span style="font-size: 18px;"><br /> </span></p> </span>urn:uuid:1a42a683-c8d2-4067-aeb9-18567c2a7e43<img src='http://www.ccisca.com/img/~www.ccisca.com/elp_badge_home_auto_lg.jpg' align='left' />Remember to 'like us' on facebook for a chance to win a Dave Ramsey Online Course valued at $99!! &nbsp; It's easy to enter - - just &ldquo;Like&rdquo; Cliff Cottam Insurance Services on facebook The winner will receive a 16-week membership valued...Wed, 16 Nov 2011 10:30:17 -0600<span style="color: #c00000; font-size: 16px;">Remember to 'like us' on facebook for a chance to win a Dave Ramsey Online Course valued at $99!!</span> <p style="text-align: center;"><img alt="" style="width: 228px; height: 132px;" src="http://www.ccisca.com/img/~www.ccisca.com/elp_badge_home_auto_lg.jpg"></img></p> <p>&nbsp;<br /> <span style="font-size: 13px;">It's easy to enter - - just &ldquo;Like&rdquo; Cliff Cottam Insurance Services on </span><a href="http://www.facebook.com/fbccisca?v=app_4949752878#!/fbccisca?sk=app_10467688569"><span style="font-size: 13px;">facebook</span></a><span style="font-size: 13px;"> <br /> </span><a name="Facebook"><br /> </a><span style="font-size: 13px;">The winner will receive a 16-week membership valued at $99. Here is what you will receive: <br /> <br /> &bull; All 13 video-based lessons from Dave's Financial Peace University.<br /> &bull; Powerful online budgeting software (trial).<br /> &bull; Community forums and chats.<br /> &bull; Downloadable workbook, budgeting forms, and MP3 audio.<br /> <br /> Refer your friends to 'Like' us for more chances to win!</span> </p> <p style="text-align: center;">&nbsp;<a href="http://www.ccisca.com/category.aspx?id=MISC1">Official Rules</a> apply to this giveaway.<br /> <br /> </p>urn:uuid:32482b2d-e49e-4179-8b52-b50988dece1b<img src='http://www.insurancewebsitebuilder.com/img/~www.ccisca.com/rain%20car.jpg' align='left' />From the website www.Edmunds.com we have pulled a helpful article on staying safe while driving in the rain. Fall is here, and so is the rain! Keep you and your family safe this fall with these few tips on driving in the rain: Exercise extreme caut...Mon, 14 Nov 2011 18:25:44 -0600<h1><span style="font-size: 16px;">From the website </span><a href="http://www.edmunds.com/"><span style="font-size: 16px;">www.Edmunds.com</span></a><span style="font-size: 16px;"> we have pulled a helpful article on staying safe while driving in the rain. Fall is here, and so is the rain! Keep you and your family safe this fall with these few tips on driving in the rain: <br /> <br /> Exercise extreme caution after a long dry spell. During a dry period, engine oil and grease build up on the road over time. When mixed with water from a new rainfall, the road becomes extremely slick. Continued rainfall will eventually wash away the oil, but the first few hours can be the most dangerous.</span></h1> <ul> <li><span style="font-size: 16px;"><strong>Allow for more travel time</strong>. You should plan to drive at a slower pace than normal when the roads are wet. Keep in mind that traffic is likely to be moving slower as well. There's also the possibility that your preplanned route may be flooded or jammed. Whatever the case, rushing equals higher risk. </span></li> <li><span style="font-size: 16px;"><strong>Brake earlier and with less force</strong> than you would normally. Not only does this increase the stopping distance between you and the car in front of you, it also lets the driver behind you know that you're slowing down. Also, be more meticulous about using turn signals, so that other drivers know your intentions, and take turns and curves with less speed than you would in dry conditions. </span></li> <li><span style="font-size: 16px;">Most of America's roads are crowned in the middle, which means that the water will run off to the sides. If possible, <strong>stay toward the middle of the road</strong> to avoid deep standing puddles. </span></li> <li><span style="font-size: 16px;"><strong>Don't use cruise control</strong>. If you hydroplane, there's the chance your car could actually <em>accelerate</em>. Cruise control also allows drivers to be less vigilant and to take their foot away from the pedals &mdash; not a great idea when reaction time is so important. </span></li> <li><span style="font-size: 16px;">If you see a large puddle up ahead, <strong>drive around it or choose a different route</strong>. It could be that it's covering a huge gaping maw into the front door of hell. Well, maybe not, but water splashing up into your car's engine compartment could damage its internal electrical systems. Also, a pothole may be hiding under the water, just waiting in ambush to damage a wheel or knock your suspension out of alignment. If you can't gauge the depth, or if it's covering up the side curb, try to avoid it. </span></li> <li><span style="font-size: 16px;"><strong>Don't attempt to cross running water</strong>. This ain't an SUV commercial, and you'll probably get into a heckuva lot of trouble if the force of the water is greater than the weight of your vehicle. All-wheel drive isn't going to be much help if your vehicle is being pushed sideways. Don't end up like those folks on the nightly news who had to abandon their cars to Mother Nature. </span></li> <li><span style="font-size: 16px;"> </span></li> <li> <div style="text-align: center;"><img alt="" src="http://www.insurancewebsitebuilder.com/img/~www.ccisca.com/rain%20car.jpg"></img> <div style="text-align: left;"></div> </div> </li> </ul> <span style="font-size: 18px;"> </span> <p style="text-align: center;"><span style="font-size: 18px;">Need car insurance? Call us today toll free at (800) 807 6871 <br /> Do not wait before it is too late!<br /> </span></p>urn:uuid:2248a67b-424c-4657-a54e-2759dffd939a<img src='http://www.ccisca.com/img/~www.ccisca.com/ccislogo.jpg' align='left' /> If you are interested in joining our team, check out our job openings: Independent Insurance Agent Internships for: Customer Service Representative/Insurance Trainee Social Media Engineer &amp; SEO Website Developer Employment Application Mon, 07 Nov 2011 17:57:03 -0600<p style="text-align: center;"><em><strong><br /> <img alt="" width="357" height="102" style="width: 388px; height: 100px;" src="/img/~www.ccisca.com/ccislogo.jpg"></img><br /> <br /> <br /> <span style="font-size: 18px;">If you are interested in joining our team, check out our job openings:<br /> <br /> </span><a href="http://www.ccisca.com/category.aspx?id=MISC3"><strong><em><span style="font-size: 18px;">Independent Insurance Agent</span></em></strong></a><br /> <br /> <br /> <span style="font-size: 18px;">Internships for:<br /> </span></strong><a href="http://www.ccisca.com/category.aspx?id=MISC18"><strong><span style="font-size: 18px;">Customer Service Representative/Insurance Trainee</span></strong></a><br /> <a href="http://www.ccisca.com/category.aspx?id=MISC6"><strong><span style="font-size: 18px;">Social Media Engineer &amp; SEO Website Developer<br /> </span></strong></a></em></p> <span style="font-size: 18px;"> </span> <p style="text-align: center;"><em><strong><a href="http://www.ccisca.com/category.aspx?id=MISC15"><em><strong><span style="font-size: 18px;">Employment Application<br /> </span></strong></em></a></strong></em></p>urn:uuid:d2f1486c-6a9f-43f1-933c-d0f1858ee73eWE"RE MOVING NOVEMBER 17, 2011! OUR NEW LOCATION: CLIFF COTTAM INSURANCE SERVICES 1111 Howe Avenue Suite 535 Sacramento, CA&nbsp; 95825 (800) 807-6871 If you need to contact us, remember that you can always visit our website @ www.ccisca Fri, 04 Nov 2011 13:47:36 -0500<p style="text-align: center;"><span style="font-size: 16px;"><span style="color: #c00000;"><strong>WE"RE MOVING NOVEMBER 17, 2011!<br /> </strong></span><br /> <img alt="" width="247" height="204" class="rg_hi" id="rg_hi" style="width: 247px; height: 204px;" src="http://t3.gstatic.com/images?q=tbn:ANd9GcTnH8eODAeceaurEN0sY1R4ALVY2Dgy_QydjTCWdo5x7_66s3he" data-width="247" data-height="204"></img><br /> <br /> </span><span style="color: #c00000;"><span style="text-decoration: underline;"><br /> <strong><span style="font-size: 16px;">OUR NEW LOCATION:</span></strong></span><br /> </span><span style="font-size: 16px;"><strong>CLIFF COTTAM INSURANCE SERVICES<br /> </strong>1111 Howe Avenue <br /> Suite 535<br /> Sacramento, CA&nbsp; 95825<br /> </span><strong><span style="font-size: 16px;">(800) 807-6871<br /> <br /> If you need to </span><a href="/contact.aspx"><span style="font-size: 16px;">contact us</span></a><span style="font-size: 16px;">, remember that you can always visit our website @ </span><a href="http://www.ccisca"><span style="font-size: 16px;">www.ccisca</span></a><span style="font-size: 16px;"> <br /> </span></strong><br /> <br /> </p>urn:uuid:a0d1104c-dd2f-4181-99db-aa5c786daa79<img src='http://www.ccisca.com/img/~www.ccisca.com/business.png' align='left' /> What is a Business Owners Policy? This is a policy designed to provide many types of coverage under one policy such as business auto, liability, and property. It is designed for small to medium sized businesses that are specialized. Such as Artisa...Tue, 01 Nov 2011 18:07:07 -0500<strong><img alt="" src="/img/~www.ccisca.com/business.png"></img><br /> <br /> <span style="font-size: 16px;">What is a Business Owners Policy?<br /> <br /> </span></strong><span style="font-size: 16px;">This is a policy designed to provide many types of coverage under one policy such as business auto, liability, and property. It is designed for small to medium sized businesses that are specialized. Such as Artisan Contractors, Janitorial, Landscape Contractors, Beauty/Nail Salons, and Restaurant or Deli&rsquo;s. To complete a request for a free quote, simply complete our short </span><a href="http://www.ccisca.com/business/bop_quote.aspx"><span style="font-size: 16px;">BOP insurance quote </span></a><span style="font-size: 16px;">form or call us today! <br /> </span>urn:uuid:9cc880e5-5459-4415-b01f-26f1349874a5<img src='http://www.ccisca.com/img/~www.ccisca.com/ccislogo.jpg' align='left' /> Our Agency is growing!&nbsp; We have several job openings.&nbsp; If you are interested in joining our team, complete a job application or call us at (800) 807-6871 today! Social Media Interns Independent Insurance Agent Employment ApplicationTue, 01 Nov 2011 17:59:59 -0500<p style="text-align: center;"><em><strong><span style="font-size: 16px;"><img alt="" width="287" height="76" style="width: 376px; height: 89px;" src="/img/~www.ccisca.com/ccislogo.jpg"></img><br /> <br /> Our Agency is growing!&nbsp; We have several job openings.&nbsp; If you are interested in joining our team, complete a job application or call us at (800) 807-6871 today!<br /> <br /> </span></strong><a href="http://www.ccisca.com/category.aspx?id=MISC6"><span style="font-size: 16px;"><strong>Social Media Interns<br /> </strong><br /> </span></a><a href="http://www.ccisca.com/category.aspx?id=MISC3"><strong><span style="font-size: 16px;">Independent Insurance Agent</span></strong></a><br /> </em></p> <span style="font-size: 16px;"> </span> <p style="text-align: center;"><em><strong><a href="http://www.ccisca.com/category.aspx?id=MISC15"><em><strong><span style="font-size: 16px;">Employment Application</span></strong></em></a></strong></em></p>urn:uuid:ba72f1d3-8897-471e-8690-1787c5cc76f3<img src='http://www.ccisca.com/img/~www.ccisca.com/imagesCACGPZEX.jpg' align='left' /> Because everyone's needs are not the same, it is best to consult a Cliff Cottam Agent to help assess your needs and find the insurance policy that is right for you. What is Homeowners insurance? Homeowners insurance provides financial protection...Fri, 28 Oct 2011 14:06:12 -0500<span style="font-size: 16px;"> <img alt="" width="273" height="164" style="width: 248px; height: 147px;" src="/img/~www.ccisca.com/imagesCACGPZEX.jpg"></img><br /> <br /> Because everyone's needs are not the same, it is best to consult a <a href="/contact.aspx"><span style="font-size: 16px;">Cliff Cottam Agent </span></a>to help assess your needs and find the insurance policy that is right for you. <br /> <br /> <strong>What is Homeowners insurance?<br /> </strong>Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.<br /> <br /> Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.<br /> <br /> Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.<br /> <br /> <b>Why do you need homeowners insurance?</b><br /> It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments. <ul> <li type="disc">If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it. </li> <li type="disc">If a guest in your home is injured, liability protection and medical coverage help pay expenses. </li> <li type="disc">If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs. </li> <li type="disc">If you are still paying for your home, your lender will require insurance. </li> </ul> <p>It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask a Cliff Cottam Insurane Agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.</p> <br /> Get a free <a href="/homeowners/insurance_quote.aspx"><span style="font-size: 16px;">Homeowners Quote </span></a>or <a href="/renters/insurance_quote.aspx"><span style="font-size: 16px;">Renters Quote </span></a>today!&nbsp; O</span><span style="font-size: 16px;">r just call us at <strong>(800) 807-6871</strong></span>urn:uuid:c491436b-22cd-4cf2-a33e-8c6e5dd2941dAs reported by the San Francisco Chronicle, there were two earthquakes this week.&nbsp; Fortunately, they weren't severe - but one never knows.&nbsp; Both earthquake and flood protection are not&nbsp;covered in&nbsp;your homeowner policies.&nbsp;Give...Thu, 27 Oct 2011 18:23:43 -0500<p><span style="font-size: 16px;">As reported by the San Francisco Chronicle, there were two earthquakes this week.&nbsp; Fortunately, they weren't severe - but one never knows.&nbsp; Both earthquake and flood protection are not&nbsp;covered in&nbsp;your homeowner policies.&nbsp;Give </span><a href="/contact.aspx"><span style="font-size: 16px;">Cliff Cottam Insurance Services </span></a><span style="font-size: 16px;">a call to make&nbsp;sure&nbsp;you are covered.&nbsp;&nbsp; &nbsp; (800) 807-6871&nbsp;<br /> <br /> With the The Hayward fault shook modestly this morning, the fourth small earthquake to rattle Bay Area residents in the past week while causing little or no damage.</span></p> <span style="font-size: 16px;"> </span> <p><span style="font-size: 16px;">Keith Knudsen, a geologist at the U.S. Geological Survey in Menlo Park, said the temblors were scientifically interesting but much too small to relieve the seismic strain that has been building up along the Hayward fault ever since the last big one hit the area in 1868.</span></p> <span style="font-size: 16px;"> </span> <p><span style="font-size: 16px;">This morning's magnitude 3.6 quake struck a mile east of Berkeley at 5:36 a.m. and was felt from Santa Rosa to Santa Cruz, according to the Survey's automated reporting system.</span></p> <span style="font-size: 16px;"> </span> <p><span style="font-size: 16px;">Like the three earlier temblors in the East Bay, said Knudsen, "it's always possible to think of them as foreshocks that indicate a future large quake, but we can't say just what they mean."</span></p> <span style="font-size: 16px;"> </span> <p><span style="font-size: 16px;">The deadly 1868 quake on the Hayward fault struck with a magnitude of 7. Knudsen noted that recent studies of the fault's seismicity record into the distant past indicate that the "recurrence interval" of large temblors there seems to be about 160 years, suggesting it's past time to prepare for another truly "Big One." </span></p> <span style="font-size: 16px;"> </span> <p><span style="font-size: 16px;">Last Thursday, two quakes of magnitudes of 4 and 3.8 struck within a mile or two of Berkeley, and another with a magnitude of 3 rattled east of Blackhawk on Wednesday.</span></p> <span style="font-size: 16px;"> </span> <p><span style="font-size: 16px;">Also on Wednesday, the Sierra town of Truckee, north of Lake Tahoe, was shaken by a magnitude 4.7 quake whose epicenter was 35 miles west of Reno. No significant damage was reported.</span> </p> <br /> Read more: <a href="http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2011/10/27/BALN1LN75V.DTL#ixzz1c1iDFWmn" style="color: #003399;">http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2011/10/27/BALN1LN75V.DTL#ixzz1c1iDFWmn</a>urn:uuid:b888b3e8-1b5b-40f1-9fc8-a849aa9a7403<img src='http://www.ccisca.com/img/~www.ccisca.com/meeting.jpg' align='left' />Cliff Cottam is a Board Member of the American Agents Alliance. By actively participating in this nonprofit organization, we know first hand insurance issues facing agents and brokers throughout California. By keeping abreast of the most pressing iss...Sun, 23 Oct 2011 02:11:22 -0500<p><span style="font-size: 16px;">Cliff Cottam is a Board Member of the </span><a href="http://www.agentsalliance.com/"><span style="font-size: 16px;">American Agents Alliance</span></a><span style="font-size: 16px;">. By actively participating in this nonprofit organization, we know first hand insurance issues facing agents and brokers throughout California. By keeping abreast of the most pressing issues in the industry, we can better serve our customers. We are also a Member of the Better Business Bureau with an A+ rating. <br /> <br /> Each year The Alliance Convention invites some of the most innovative minds in the industry to speak about cutting edge insurance marketing ideas, agency best practices and more! This all out insurance agent training and expo provides our members with the opportunity to immerse themselves in the latest and greatest strategies, guaranteed to help them grow their business.<br /> <br /> Since our company just attended the annual America Agents Alliance Conference, we would like to share some of the pictures from the convention.<br /> <br /> Exhibitors:<br /> </span></p> <span style="font-size: 16px;"> <p style="text-align: center;"><img alt="" width="477" height="305" style="width: 502px; height: 306px;" src="/img/~www.ccisca.com/meeting.jpg"></img></p> <p>&nbsp;</p> <p style="text-align: center;"><img alt="" src="/img/~www.ccisca.com/alalsdf.jpg"></img></p> <div style="text-align: left;">&nbsp;<br /> Above, is Insurance Commissioner Dave Jones (middle in grey suit) talking to the Agents Alliance Board members.<br /> <br /> Below, is a picture of Winner of $5,000 check from Progressive&rsquo;s raffle. David Phung<br /> <br /> </div> <p style="text-align: center;"><img alt="" width="240" height="160" style="width: 433px; height: 280px;" src="/img/~www.ccisca.com/sdfsdfsddf.jpg"></img></p> <div style="text-align: left;">&nbsp;</div> <br /> <br /> Check out the American&nbsp;Agents Alliance website: <a href="http://www.agentsalliance.com/">http://www.agentsalliance.com/</a><br /> <br /> Need a free instant auto insurance quote? Click here for where you need to be!: <a href="http://www.ccisca.com/automobile/car_insurance_quote.aspx">http://www.ccisca.com/automobile/car_insurance_quote.aspx</a></span>urn:uuid:cbde28c3-d7f8-4531-adfa-56f3fd2af3bd<img src='http://www.ccisca.com/img/~www.ccisca.com/ELP_Logo_with_text.jpg' align='left' /> Cliff Cottam Insurance Services (CCIS) Serving Sacramento, Placer and El Dorado as Dave Ramsey's only ELP for all Home, Auto, Personal Liability, and Commercial Insurance needs. &nbsp;Call us at (800) 807-6871 today for a free&nbsp;Consultation or...Fri, 21 Oct 2011 10:47:08 -0500<img alt="" style="width: 324px; height: 97px;" src="/img/~www.ccisca.com/ELP_Logo_with_text.jpg"></img><br /> <br /> <div class="actorDescription actorName" data-ft="{&quot;type&quot;:2}"><a href="http://www.facebook.com/fbccisca" data-hovercard="/ajax/hovercard/page.php?id=182566318436165">Cliff Cottam Insurance Services (CCIS)</a></div> Serving Sacramento, Placer and El Dorado as <a href="http://www.daveramsey.com/home/">Dave Ramsey's </a>only ELP for all Home, Auto, Personal Liability, and Commercial Insurance needs.<br /> <br /> &nbsp;Call us at<span style="font-size: 18px;"> </span><span style="font-size: 16px;"><strong>(800) 807-6871</strong></span> today for a free&nbsp;<a href="/contact.aspx">Consultation</a> or <a href="/get_a_quote/default.aspx">Quote</a>!<a href="http://www.ccisca.com/contact.aspx" target="_blank" rel="nofollow nofollow"></a><br /> <br /> <br /> Contacting Us at Cliff Cottam Insurance Services is simple via our easy to use website. Contact us anytime, day or night.Our Agency specializes in auto, home and business insurance. We also offer boat, motorcycle, flood, earthquake insurance products.<br /> <br />urn:uuid:5033098e-9cd5-411f-99d3-289c86f8d039Independent Insurance Agent/Broker This is a great job for anyone who needs flexibility in setting their own work schedule. In addition, you can work from home, in our office, or a combination of both. About our Agency Cliff Cottam Insurance Serv...Tue, 18 Oct 2011 15:37:44 -0500<p style="text-align: center;"><a href="http://www.ccisca.com/default.aspx"></a><a href="http://www.ccisca.com/default.aspx"></a><a href="http://www.ccisca.com/category.aspx?id=MISC3"></a><strong>Independent Insurance Agent/Broker <br /> </strong></p> <p><strong><em><span style="color: #c00000;">This is a great job for anyone who needs flexibility in setting their own work schedule. In addition, you can work from home, in our office, or a combination of both.<br /> </span></em></strong><br /> <strong>About our Agency<br /> </strong><br /> Cliff Cottam Insurance Services specializes in auto, home and business insurance. We represent a wide array of insurance carriers and are looking for a Property and Casualty Agent to aggressively expand our markets and grow our business. <br /> <br /> <b>Job Description <br /> </b><br /> We are seeking a hard working, highly motivated, growth-minded independent insurance agent/broker to sell and market auto, home and business insurance. Will work without supervision, so must have good time-management skills and the initiative to locate new clients. <br /> <b><br /> Minimum Requirements </b></p> <ul style="margin-top: 0in; list-style-type: circle;"> <li style="color: #333333;">Must have High School Diploma or GED with sales ability. A College Degree preferred </li> <li>Must obtain your Property and Casualty License prior to hire </li> <li>Successful completion of Background Check </li> </ul> <p> <strong>Job Requirements </strong></p> <ul style="margin-top: 0in; list-style-type: circle;"> <li>Develop leads, prospect and continually network </li> <li>Possess a competitive sales drive to meet and exceed monthly goals </li> <li>Communicate effectively and inspire customer confidence </li> <li>Effective written skills </li> <li>Be self-motivated and committed to building a profitable business </li> <li>Have computer experience and good organizational skills </li> <li>Provide excellent customer service and maintain retention </li> <li>Enthusiastic and confident </li> <li>Enjoys working with people </li> <li>High-level of flexibility </li> <li>Self-disciplined </li> </ul> <p> <strong>Desirable Qualifications </strong></p> <ul style="margin-top: 0in; list-style-type: circle;"> <li>Experience in an insurance sales or customer service sales call environment </li> <li>Bilingual in Spanish </li> <li>College graduates who have majored in business, finance, economics, or completed insurance-related courses<strong>. </strong> </li> </ul> <p> <b>Work Environment and Hours <br /> <br /> </b>May work in our office or from home. Agents may set their own hours of work and may schedule evening and weekend appointments for the convenience of clients. New agents may shadow an experienced agent for a period of time. This allows the agent to learn how to conduct their business, how the agency interacts with clients, and how to write policies. </p> <p><b>Salary<br /> <br /> </b>Salary or amount of commissions may be negotiated at time of interview. The amount of the commission depends on the type and amount of insurance sold and on whether the transaction is a new policy or a renewal. Agency-paid benefits will include continuing education, office space, and clerical support services. Commensurate with operational needs, transportation expenses, attendance at conventions and meetings, and promotion and marketing expenses may be paid by the agency. . <br /> <br /> <strong>To Apply<br /> <br /> </strong>Submit an<a href="http://www.ccisca.com/category.aspx?id=MISC15"> Employment Application </a>and resume to Cliff Cottam Insurance Services, 3830 Watt Ave, Suite 3, Sacramento, CA 95821. You may also email it to <a href="mailto:dcottam@ccisca">dcottam@ccisca</a> or fax it to (916) 488-4796.</p>urn:uuid:3a112ff0-dc44-4b26-a13a-5c08b4f69435<img src='http://www.ccisca.com/img/~www.ccisca.com/11299096607.jpg' align='left' /> Enter our new Dave Ramsey Giveaway today! Dave is a well known and highly respected financial guru. He has taught financial principles to millions via radio, books, Financial Peace University, live events and online. Begin your journey to fina...Mon, 17 Oct 2011 19:02:21 -0500<p><strong><img alt="" src="http://www.ccisca.com/img/~www.ccisca.com/11299096607.jpg"></img></strong></p> <p><strong></strong></p> <strong>Enter our new Dave Ramsey Giveaway today! <hr> </hr> </strong> <p><strong> </strong><em><strong> Dave is a well known and highly respected financial guru. He has taught financial principles to millions via radio, books, Financial Peace University, live events and online. Begin your journey to financial peace for a chance to win his online course - - valued at $99! </strong></em><a href="http://www.daveramsey.com/fpu/online/ictid/fpo_cl/"><em><strong>http://www.daveramsey.com/fpu/online/ictid/fpo_cl/</strong></em></a><br /> <em><br /> <br /> <br /> </em><em><strong>It's easy to enter - - just &ldquo;Like&rdquo; Cliff Cottam Insurance Services on <a href="http://www.facebook.com/fbccisca?v=app_4949752878#!/fbccisca?sk=app_10467688569">facebook</a></strong></em> <em><strong><br /> </strong></em><a name="Facebook"><br /> </a><strong><em>The winner will receive a 16-week membership valued at $99. Here is what you will receive:. <br /> <br /> <br /> &bull; All 13 video-based lessons from Dave's Financial Peace University.<br /> &bull; Powerful online budgeting software (trial).<br /> &bull; Community forums and chats.<br /> &bull; Downloadable workbook, budgeting forms, and MP3 audio.<br /> <br /> Refer your friends to 'Like' us for more chances to win!</em></strong> </p> <p> <strong><a href="http://www.ccisca.com/category.aspx?id=MISC1"><strong>Official Rules</strong></a> apply to this giveaway.<br /> </strong></p>urn:uuid:e6293993-b945-40aa-bcca-26b12cf3d73a&nbsp;&nbsp;&nbsp;&nbsp;Thinking about remodeling your home? Our friends Gary and Georgia Andresen (Cliff's sister and brother-in-law)&nbsp;have just finished their recent remodeling project. One is a remodeled ceiling in the kitchen that did have th...Thu, 13 Oct 2011 22:40:09 -0500<p><span style="font-size: 18px;">&nbsp;&nbsp;&nbsp;&nbsp;Thinking about remodeling your home? Our friends Gary and Georgia Andresen (Cliff's sister and brother-in-law)&nbsp;have just finished their recent remodeling project. One is a remodeled ceiling in the kitchen that did have the old florescent box lighting. The other is a courtyard for their front yard. The final project looks beautiful and very well done. Here are a few pictures of the final project: <br /> </span></p> <p style="text-align: center;"><img alt="" width="723" height="566" style="width: 386px; height: 280px;" src="http://www.insurancewebsitebuilder.com/img/~www.ccisca.com/kitchen.JPG"></img></p> <div style="text-align: left;">&nbsp;</div> <p>&nbsp;</p> <p style="text-align: center;"><img alt="" width="688" height="448" style="width: 390px; height: 284px;" src="/img/~www.ccisca.com/patio.JPG"></img></p> <div style="text-align: left;"><br /> <br /> </div> <p style="text-align: center;"><img alt="" width="1024" height="682" style="width: 366px; height: 255px;" src="/img/~www.ccisca.com/patio gate.JPG"> <div style="text-align: left;"></div> </img><br /> <br /> <br /> <span style="font-size: 18px;">Cliff Cottam Insurance provides excellent home insurance to protect your home and new assets. Give us a call today at (800) 807 6871 or visit our website page on homeowners insurance: </span><a href="http://www.ccisca.com/homeowners/default.aspx"><span style="font-size: 18px;">http://www.ccisca.com/homeowners/default.aspx</span></a></p>urn:uuid:d5447d8b-1c56-4813-b505-5e4745657d9b<img src='http://www.ccisca.com/img/~www.ccisca.com/bandits_cartoon_207336_tnb.png' align='left' />This is an important article by Claudia Buck of the Sacramento Bee.&nbsp;The Cliff Cottam Insurance Team wants&nbsp;to alert consumers to be careful when using their atm cards!&nbsp;&nbsp;http://www.sacbee.com/2011/10/13/3977629/atm-thieves-hit-sacra...Thu, 13 Oct 2011 15:41:47 -0500<p><em><strong>This is an important article by Claudia Buck of the Sacramento Bee.&nbsp;The </strong></em><a href="/default.aspx"><em><strong>Cliff Cottam Insurance </strong></em></a><em><strong>Team wants&nbsp;to alert consumers to be careful when using their atm cards!</strong></em>&nbsp;&nbsp;<a href="http://www.sacbee.com/2011/10/13/3977629/atm-thieves-hit-sacramento-bank.html">http://www.sacbee.com/2011/10/13/3977629/atm-thieves-hit-sacramento-bank.html</a><br /> <br /> ATM thieves, using a skimming device to steal customer information, have struck the Broadway branch of California Bank &amp; Trust in Sacramento, bank officials said this week.</p> <p>The suspects are believed to have attached a device to the bank's outside ATM machine at 1331 Broadway. It was used to steal customers' <a href="http://topics.sacbee.com/debit+card/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">debit card</a> information and possibly cash.</p> <p>"While the situation has been contained, some money was stolen during the attempt. We have taken action and are currently working with customers impacted, as well as with law enforcement authorities," said Steven Borg, a California Bank &amp; Trust senior vice president, in a statement. </p> <p> Due to an ongoing law enforcement investigation, the bank declined to identify how many customers were affected, the amount stolen or precisely when the alleged ATM skimming activity occurred.</p> <p>In the Sacramento region, ATM skimming incidents are not uncommon, say police.</p> <p>"It's an old trick that's been going on for a while," said Sacramento Police spokesman Sgt. Andrew Pettit.</p> <p>In July, Citrus Heights police arrested two suspects accused of using an ATM skimming device at a Chase bank branch on Auburn Boulevard.</p> <p>And in January, two men were sentenced to prison for skimming $90,000 from debit card readers at gas station pumps throughout the <a href="http://topics.sacbee.com/Bay+Area/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Bay Area</a> and the Sacramento region, according to the state attorney general's office.</p> <p>ATM skimming devices usually fit over the factory-installed card reader. When a customer inserts a debit card into the phony reader, "their account info is swiped and stored on a small attached laptop or cellphone or sent wirelessly to the criminals waiting nearby," according to the FBI.</p> <p>In addition, crooks often install hidden cameras or thermal keypad covers that read a card's personal identification number as it's being entered.</p> <p>How to avoid getting scammed? Banks and law enforcement offer these suggestions:</p> <p>"Anytime you use your debit card at an ATM, put one hand over the keypad while you're punching in the number," Pettit said. "That's what I advise my friends and family."</p> <p>Other recommendations:</p> <p><strong><em><span style="color: #17365d;">&bull; Be aware of your surroundings, especially in tourist areas, and use ATMs only in well-lit locations.</span></em></strong></p> <p><strong><em><span style="color: #17365d;">&bull; Don't select an ATM at a building corner, which can be a blind spot. Be aware of people in nearby parked cars or anyone in a position to view your transaction.</span></em></strong></p> <p><strong><em><span style="color: #17365d;">&bull; Don't use ATMs if the keyboard options are unfamiliar or make you uncomfortable.</span></em></strong></p> <p><strong><em><span style="color: #17365d;">&bull; Avoid using easily identified sequences for your PIN (e.g., birth date, anniversaries, address numbers).</span></em></strong></p> <p><span style="color: #c00000;"><strong><em><span style="color: #17365d;">&bull; Skimming devices are often attached for short periods of time, sometimes by nothing more than double-sided tape. Check for unusual stickers, tape residue or other signs of tampering. If the card reader looks abnormally bulky, do not use it.</span></em></strong> <br /> </span><strong><em><br /> Use these tips to keep you safe!<br /> </em></strong><br /> <img alt="" style="width: 169px; height: 141px;" src="/img/~www.ccisca.com/bandits_cartoon_207336_tnb.png"></img>&nbsp; </p>urn:uuid:5467703c-35e0-48fd-98e1-ff3e5b4950c7<img src='http://www.ccisca.com/img/~www.ccisca.com/emergency.png' align='left' />&nbsp;Especially with winter coming up, it is important for everyone to remember the dangers of being stranded in a car in the cold months to come. To be preparede and always for an unexpected emergency, prepare an emergency kit. Store this stuff in ...Tue, 11 Oct 2011 15:16:45 -0500<strong>&nbsp;<span style="font-size: 18px;">Especially with winter coming up, it is important for everyone to remember the dangers of being stranded in a car in the cold months to come. To be preparede and always for an unexpected emergency, prepare an emergency kit. Store this stuff in your trunk during the winter months, especially if a road trip is in your future:</span></strong> <ul> <li>a blanket</li> <li>extra boots and gloves</li> <li>an extra set of warm clothes</li> <li>extra water and food, including hard candies</li> <li>an ice scraper</li> <li>a small shovel</li> <li>a flashlight</li> <li>windshield washer fluid</li> <li>windshield wipers</li> <li>flares</li> <li>jumper cables</li> <li>a tool kit </li> <li>tire chains</li> <li>a tire gauge</li> <li>a spare tire with air in it</li> <li>tire-changing equipment</li> <li>a first-aid kit</li> <li>paper towels </li> <li>a bag of abrasive material such as sand, salt or non-clumping kitty litter, which can provide additional traction if a tire gets stuck in snow. </li> <li>Also, keep the gas tank as full as you can to prevent the gas lines from freezing.</li> </ul> <p></p> <p style="text-align: center;"><img alt="" src="/img/~www.ccisca.com/emergency.png"> <div style="text-align: left;"></div> </img></p> <p>To read more on keeping your car winterized for the winter, visit: <a href="http://today.msnbc.msn.com/id/15940164/ns/today-money/t/simple-ways-get-your-car-ready-winter/">http://today.msnbc.msn.com/id/15940164/ns/today-money/t/simple-ways-get-your-car-ready-winter/</a>&nbsp;<br /> Need car insurnace? Call us todayat (800) 807 6871 or click here!: <a href="http://www.ccisca.com/automobile/car_insurance_quote.aspx">http://www.ccisca.com/automobile/car_insurance_quote.aspx</a></p>urn:uuid:8d641ce7-b475-42d8-aa8d-e1f630a1c5c3<img src='http://www.ccisca.com/img/~www.ccisca.com/11299096607.jpg' align='left' /> Enter our new Dave Ramsey Giveaway today! Dave is a well known and highly respected financial guru. He has taught financial principles to millions via radio, books, Financial Peace University, live events and online. Begin your journey to fin...Mon, 10 Oct 2011 13:31:16 -0500<center><strong></strong> <p><strong><img alt="" src="http://www.ccisca.com/img/~www.ccisca.com/11299096607.jpg"></img></strong></p> <p><strong></strong></p> <strong>Enter our new Dave Ramsey Giveaway today! <hr> </hr> </strong> <p><strong> </strong><em><strong> Dave is a well known and highly respected financial guru. He has taught financial principles to millions via radio, books, Financial Peace University, live events and online. Begin your journey to financial peace for a chance to win his online course - - valued at $99! </strong></em><a href="http://www.daveramsey.com/fpu/online/ictid/fpo_cl/"><em><strong>http://www.daveramsey.com/fpu/online/ictid/fpo_cl/</strong></em></a><br /> <em><br /> <br /> <br /> </em><em><strong>It's easy to enter - - just &ldquo;Like&rdquo; Cliff Cottam Insurance Services on <a href="http://www.facebook.com/fbccisca?v=app_4949752878#!/fbccisca?sk=app_10467688569">facebook</a></strong></em> <em><strong><br /> </strong></em><a name="Facebook"><br /> </a><strong><em>The winner will receive a 16-week membership valued at $99. Here is what you will receive:. <br /> <br /> <br /> &bull; All 13 video-based lessons from Dave's Financial Peace University.<br /> &bull; Powerful online budgeting software (trial).<br /> &bull; Community forums and chats.<br /> &bull; Downloadable workbook, budgeting forms, and MP3 audio.<br /> <br /> Refer your friends to 'Like' us for more chances to win!</em></strong> </p> <p> <strong><a href="http://www.ccisca.com/category.aspx?id=MISC1"><strong>Official Rules</strong></a> apply to this giveaway.<br /> </strong></p> </center>urn:uuid:e104fa59-beba-43c1-a2bb-911667e04ad8<img src='http://www.insurancewebsitebuilder.com/img/~www.ccisca.com/rain%20car.jpg' align='left' />From the website www.Edmunds.com&nbsp;we have pulled a helpful article on staying safe while driving in the rain. Fall is here, and so is the rain! Keep you and your family safe this fall with these few tips on driving in the rain: Exercise extreme...Wed, 05 Oct 2011 20:19:39 -0500<p style="margin: 0in 0in 10pt;"><span style="font-size: 18px;">From the website </span><a href="http://www.Edmunds.com"><span style="font-size: 18px;">www.Edmunds.com</span></a><span style="font-size: 18px;">&nbsp;we have pulled a helpful article on staying safe while driving in the rain. Fall is here, and so is the rain! Keep you and your family safe this fall with these few tips on driving in the rain: <br /> </span><strong><br /> Exercise extreme caution after a long dry spell</strong>. During a dry period, engine oil and grease build up on the road over time. When mixed with water from a new rainfall, the road becomes extremely slick. Continued rainfall will eventually wash away the oil, but the first few hours can be the most dangerous.</p> <ul> <li><strong>Allow for more travel time</strong>. You should plan to drive at a slower pace than normal when the roads are wet. Keep in mind that traffic is likely to be moving slower as well. There's also the possibility that your preplanned route may be flooded or jammed. Whatever the case, rushing equals higher risk.</li> <li><strong>Brake earlier and with less force</strong> than you would normally. Not only does this increase the stopping distance between you and the car in front of you, it also lets the driver behind you know that you're slowing down. Also, be more meticulous about using turn signals, so that other drivers know your intentions, and take turns and curves with less speed than you would in dry conditions.</li> <li>Most of America's roads are crowned in the middle, which means that the water will run off to the sides. If possible, <strong>stay toward the middle of the road</strong> to avoid deep standing puddles.</li> <li><strong>Don't use cruise control</strong>. If you hydroplane, there's the chance your car could actually <em>accelerate</em>. Cruise control also allows drivers to be less vigilant and to take their foot away from the pedals &mdash; not a great idea when reaction time is so important.</li> <li>If you see a large puddle up ahead, <strong>drive around it or choose a different route</strong>. It could be that it's covering a huge gaping maw into the front door of hell. Well, maybe not, but water splashing up into your car's engine compartment could damage its internal electrical systems. Also, a pothole may be hiding under the water, just waiting in ambush to damage a wheel or knock your suspension out of alignment. If you can't gauge the depth, or if it's covering up the side curb, try to avoid it.</li> <li><strong>Don't attempt to cross running water</strong>. This ain't an SUV commercial, and you'll probably get into a heckuva lot of trouble if the force of the water is greater than the weight of your vehicle. All-wheel drive isn't going to be much help if your vehicle is being pushed sideways. Don't end up like those folks on the nightly news who had to abandon their cars to Mother Nature.</li> <li></li> <li> <div style="text-align: center;"><img alt="" src="http://www.insurancewebsitebuilder.com/img/~www.ccisca.com/rain%20car.jpg"> <div style="text-align: left;"></div> </img></div> </li> </ul> <p style="text-align: center;"><span style="font-size: 18px;">Need car insurance? Call us today toll free at (800) 807 6871 <br /> Do not wait before it is too late!<br /> </span></p>urn:uuid:a7ec8701-2276-425e-8c82-3be9a1556536&nbsp;&nbsp;&nbsp;&nbsp;If you have been keeping up-to-date with our blog entries, then you know&nbsp;that Cliff Cottam Insurance Services has been&nbsp;notifying our customers frequently on our main menu tabs, website tools and other helpful links t...Mon, 03 Oct 2011 17:24:23 -0500&nbsp;&nbsp;&nbsp;&nbsp;If you have been keeping up-to-date with our blog entries, then you know&nbsp;that Cliff Cottam Insurance Services has been&nbsp;notifying our customers frequently on our main menu tabs, website tools and other helpful links that someone can use for all their insurance needs. Another great feature we have is our Customer&nbsp;Service&nbsp;Form link located&nbsp;on the Home screen of our website:&nbsp;<a href="http://www.ccisca.com/customer_service/default.aspx">&nbsp;http://www.ccisca.com/customer_service/default.aspx</a><br /> <br /> &nbsp;&nbsp;&nbsp;&nbsp;This link allows you to add another driver to an existing auto policy, add motorcycle to existing policy, add watercraft to existing policy or even removing mobiles from existing&nbsp;policies&nbsp;or requesting general liability certificate of insurance. Simply&nbsp; just click on the link you would like and our website will direct you to the form. Next, you fill out your information asked for and submit the form! Extremely fast, easy and reliable. So what are you waiting for? <br /> <br /> Below are some links shown on the Customer Service Forms page, yet if you would still like to visit the tab, we have more helpful tools for you such as hints and help on how to file a claim. <p>In most cases, claims are processed efficiently;&nbsp; however, if you experience any problems with filing a claim, please contact us immediately!&nbsp; We will step in to resolve any issues you may have with the insurance company.&nbsp; <br /> Call us at (800) 807-6871 or complete our Contact Us form.</p> <br /> <br /> <br /> <table id="dlst_csr" style="width: 100%; border-collapse: collapse;" border="0" cellspacing="0"> <tbody> <tr> <td><a href="http://www.ccisca.com/automobile/add_driver.aspx" id="dlst_csr_ctl00_lnk_csr" target="_top">Add Driver to Existing Auto Policy</a> </td> </tr> <tr> <td><a href="http://www.ccisca.com/motorcycle/add_motorcyle.aspx" id="dlst_csr_ctl01_lnk_csr" target="_top">Add Motorcycle to Existing Policy</a> </td> </tr> <tr> <td><a href="http://www.ccisca.com/automobile/add_vehicle.aspx" id="dlst_csr_ctl02_lnk_csr" target="_top">Add Vehicle to Existing Auto Policy</a> </td> </tr> <tr> <td><a href="http://www.ccisca.com/boat/add_watercraft.aspx" id="dlst_csr_ctl03_lnk_csr" target="_top">Add Watercraft to Existing Policy</a> </td> </tr> <tr> <td><a href="http://www.ccisca.com/automobile/remove_driver.aspx" id="dlst_csr_ctl04_lnk_csr" target="_top">Remove Driver from Existing Auto Policy</a> </td> </tr> <tr> <td><a href="http://www.ccisca.com/motorcycle/remove_motorcyle.aspx" id="dlst_csr_ctl05_lnk_csr" target="_top">Remove Motorcycle from Existing Policy</a> </td> </tr> <tr> <td><a href="http://www.ccisca.com/automobile/remove_vehicle.aspx" id="dlst_csr_ctl06_lnk_csr" target="_top">Remove Vehicle from Existing Auto Policy</a> </td> </tr> <tr> <td><a href="http://www.ccisca.com/boat/remove_watercraft.aspx" id="dlst_csr_ctl07_lnk_csr" target="_top">Remove Watercraft from Existing Policy</a> </td> </tr> <tr> <td><a href="http://www.ccisca.com/business/general_liability_certificate_request.aspx" id="dlst_csr_ctl08_lnk_csr" target="_top">Request General Liability Certificate of Insurance</a> </td> </tr> </tbody> </table> <br />urn:uuid:2b5ffebf-2e1d-47f8-825a-ba62fc3cdeb6&nbsp;&nbsp;&nbsp;&nbsp;Cliff Cottam Insurance Services has many business partners that we like to honor and recommend to our customers. You can find our trusted and reliable partners on our website main menu tab under Business Partners. These partne...Fri, 30 Sep 2011 01:41:57 -0500&nbsp;&nbsp;&nbsp;&nbsp;Cliff Cottam Insurance Services has many business partners that we like to honor and recommend to our customers. You can find our trusted and reliable partners on our website main menu tab under Business Partners. These partners we have had great customer experience with and highly recommend to you. They are:<br /> <br /> <span style="font-size: 13px;"><span style="font-size: 16px;"><strong>SKINPLICITY SKIN &amp; WAXING</strong><br /> </span><br /> Call de Ana for great facials and skin care&nbsp;&nbsp;&nbsp;&nbsp;<br /> (916) 521 FACE (3223)<br /> <br /> <strong><span style="font-size: 16px;">SIERRA AUTO SERVICE</span></strong><br /> <br /> For many years, Ken Miller and his mechanics have repaired, painted and serviced our cars. Sierra Auto Service Center is our personal choice in keeping our cars in top condition. Call him today, you won't be disappointed!&nbsp;&nbsp;&nbsp; <br /> <br /> <span style="font-size: 16px;"><strong>MORTGAGE BANKERS</strong></span><br /> <br /> "Funding Your Dreams For Life"<br /> 5330 Primrose Drive, #231, Fair Oaks, CA 95628<br /> (916) 725-9902 Fax (916) 725-9908<br /> Rates are once again hitting all time lows! Anyone in need of a mortgage loan, should call MBAC. <br /> <br /> <span style="font-size: 16px;"><strong>DAVE RAMSEY<br /> <br /> </strong></span>Dave is a well known and highly respected financial guru. He has taught financial principles to millions via radio, books, Financial Peace University, live events and online. Click here to enter our new </span><a href="http://www.ccisca.com/category.aspx?id=MISC9"><span style="font-size: 13px;">Dave Ramsey Giveaway </span></a><span style="font-size: 13px;">today!<br /> <br /> <br /> Visit our business partner page for more of our recommendations: <a href="http://www.ccisca.com/category.aspx?id=MISC11">http://www.ccisca.com/category.aspx?id=MISC11</a><br /> <br /> Another great tab under our main menu is the calculator. Many people do not know of this extremely helpful tab that we offer to our customers. Our calculator tab has a total of 30 calculators involved in credit calculators, home &amp; mortgage calculators, automobile calculators as well as cash flow calculators. Simply click on what it is that you are trying to calculate, punch in some numbers and the calculator will do all the math for you! For example, if you wanted to know if you should lease or own an automobile you could click on this tab:<a style="padding-bottom: 7px; padding-left: 20px; cursor: pointer;">Should I lease or purchase an auto?</a>&nbsp;and figure out the answer by plugging in your information into the calculator to help analyze the financial impact of lease versus buy.<br /> <br /> We hope you can use these calculators to your advantage! Have questions? Contact us toll free at (800) 807 6871</span>urn:uuid:cf0b3709-7602-468b-9915-7bd692fe901c<img src='http://www.insurancewebsitebuilder.com/img/~www.ccisca.com/bandits_cartoon_207336_tnb.png' align='left' />&nbsp;&nbsp;&nbsp;&nbsp;Unfortunately a couple weekends ago, our office in Sacramento was broken into for the third time! The thieves got away luckily only with one monitor. Unfortunate as that may be, it could have been alot worse. Thank goodness we...Tue, 27 Sep 2011 00:51:51 -0500<p>&nbsp;&nbsp;&nbsp;&nbsp;Unfortunately a couple weekends ago, our office in Sacramento was broken into for the third time! The thieves got away luckily only with one monitor. Unfortunate as that may be, it could have been alot worse. Thank goodness we had Devcon Security Services on our side. The office alarms went off immediately and Devcon was notified. We spoke to Daniel Payne who is a se account representative with Devcon and was extremely helpful on what the next step was and how to deal with the breaking in. We are so pleased with their services and help that we thought to recommend their security services to you. <br /> <br /> For any security needs, contact: Daniel Payne(security account representative) at 916.899.4117<br /> or email at dpayne@devconsecurity.com<br /> <br /> Also you can reach them on the web at <a href="http://www.devcon-security.com">www.devcon-security.com</a>&nbsp;Their office is located in North Highlands at 3355 Myrtle Ave Ste 225.<br /> <br /> Since the break in, we have been thinking about relocating our office to a more safe and professional location. Devcon will definitely still be our choice for security and we hope they are your choice as well.<br /> <br /> Stay tuned for our updated location in Sacramento and contact us for any questions or concerns!</p> <p style="text-align: center;"><img alt="" src="http://www.insurancewebsitebuilder.com/img/~www.ccisca.com/bandits_cartoon_207336_tnb.png"> <div style="text-align: left;"></div> </img></p>urn:uuid:4e708ed5-6275-42e2-9f39-eb198edf3860<img src='http://www.ccisca.com/img/~www.ccisca.com/normal%20car.png' align='left' /> According to The Sacramento Bee, an article written by Mark Glover&nbsp;explores the world of new car sales. "Car prices in Sacramento are the&nbsp;third best in nation." In a year of stock market plunges, double-digit unemployment and dismal re...Sat, 24 Sep 2011 14:57:07 -0500<p> According to The Sacramento Bee, an article written by Mark Glover&nbsp;explores the world of new car sales. "Car prices in Sacramento are the&nbsp;third best in nation." <br /> <br /> <img alt="" width="273" height="159" style="width: 258px; height: 158px;" src="/img/~www.ccisca.com/normal%20car.png"></img><br /> <br /> In a year of stock market plunges, double-digit <a href="http://topics.sacbee.com/unemployment/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">unemployment</a> and dismal real estate numbers, Sacramento-area new <a href="http://topics.sacbee.com/car+sales/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">car sales</a> are &hellip; doing rather well, actually.</p> <p>In fact, the Sacramento metropolitan area was among the nation's top growth markets in new motor vehicle registrations in the first half of this year, according to a study released this week by Santa Monica-based Edmunds.com.</p> <p>Edmunds said Sacramento had 22 percent year-over-year growth, well ahead of the national average of 14 percent, and behind only Atlanta (24 percent) and Phoenix (23 percent). There were 45,230 new registrations in the area in the first six months of this year, up from 36,942 in 2010. </p> <p> Local dealers said sales are doing well across all brands &ndash; from small- and medium-size passenger cars like the Honda Accord and Civic, <a href="http://topics.sacbee.com/Toyota+Camry/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Toyota Camry</a> and <a href="http://topics.sacbee.com/Ford+Fusion/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Ford Fusion,</a> to crossover sport-utility vehicles.&nbsp; Read more: <a href="http://www.sacbee.com/2011/09/24/3934323/sacramento-area-new-car-sales.html#ixzz1Ytt8VE5S" style="color: #003399;">http://www.sacbee.com/2011/09/24/3934323/sacramento-area-new-car-sales.html#ixzz1Ytt8VE5S</a><br /> <br /> <strong>If you are buying a new car and are interested in getting&nbsp;<a href="/automobile/warranty_quote.aspx">Auto Warranty Coverage</a>, make sure you let us give you a free comparable quote.&nbsp;&nbsp;We have companies that consistently beat the auto dealer prices.&nbsp; <a href="/contact.aspx">Contact us </a>to find out more!</strong>&nbsp; <strong>(800) 807-6871.</strong></p>urn:uuid:ed209aa0-56c0-4e4d-9a44-5bebbb2844c5At Mercury Insurance, they give youn many differnt tools to help you and your quetsioning insurance needs. Here is an article of Important Car Safety tips. In fact, it gives you tips and ways you can keep your car safe while lowing your insurance cos...Wed, 21 Sep 2011 16:25:36 -0500<p>At Mercury Insurance, they give youn many differnt tools to help you and your quetsioning insurance needs. Here is an article of Important Car Safety tips. In fact, it gives you tips and ways you can keep your car safe while lowing your insurance costs<br /> <br /> "If you are in the market for a new or used auto, it is almost always a good idea to check into the <a href="http://articles.moneycentral.msn.com/Insurance/InsureYourCar/which-cars-cost-more-or-less-to-insure.aspx" target="_blank">cost of insurance</a> before finalizing your purchase. Generally speaking, expensive cars are also more costly to insure. Moreover, every vehicle has a <a href="http://www.mercuryinsurance.com/tips/car-ratings.html">safety rating</a> that may affect the cost of your premium. Ask your Mercury agent for a <a href="https://quote2.mercuryinsurance.com/WebQuote/startQuote.do?submitName=startQuote&amp;RedSt=CA&amp;src=agentlink&amp;agentcode=045100">free auto quote</a>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </p> <p>Factory-installed safety features often qualify for premium discounts. For example, air bags, anti-lock brakes and anti-theft systems are the most common features that may earn you discounts on your insurance policy. Anti-lock brakes, in particular, often head the list of auto safety features. Certain states&mdash;such as <a href="http://www.mercuryinsurance.com/local/florida-insurance.html">Florida</a>, <a href="http://www.mercuryinsurance.com/local/new-jersey-insurance.html">New Jersey</a> and <a href="http://www.mercuryinsurance.com/local/new-york-insurance.html">New York</a> gives a discount for this feature. Daytime running lights may also qualify for a discount, as well as automatic seat belts. </p> <p>After-market installations of automatic seat belts, car alarms and anti-theft devices may also qualify for car safety discounts.</p> <p>In some states, a Vehicle Identification Number (VIN) window etching qualifies for a discount. After-market window etching, in particular, tends to be fairly inexpensive and is occasionally offered through local police departments as part of local vehicle theft prevention initiatives.</p> <p>Mercury Insurance offers discounts for car safety features. Talk to a<a href="/contact.aspx">&nbsp;Mercury agent&nbsp;</a>today and ask for a free rate quote. At Mercury Insurance, our low rates are just the beginning."<br /> <br /> For insurance needs and help call Cliff Cottam Insurance&nbsp;at (800) 807 6871 or visit our instant free quote page <a href="http://www.ccisca.com/get_a_quote/default.aspx">http://www.ccisca.com/get_a_quote/default.aspx</a></p>urn:uuid:42828105-73d8-4d0a-b2c1-781dafb85c1e<img src='http://i322.photobucket.com/albums/nn418/mmcwilliams_bucket/114034v2v1.jpg' align='left' /> As Independent Agents we represent a carefully selected group of financially sound, reputable insurance companies. We are proud to have been chosen by Dave Ramsey as an "Endorsed Local Provider" for insurance products. Dave is a well known and ...Mon, 19 Sep 2011 18:06:39 -0500<h2 style="text-align: center;"><em><img alt="" class="media" id="fullSizedImage" style="width: 338px; height: 168px;" src="http://i322.photobucket.com/albums/nn418/mmcwilliams_bucket/114034v2v1.jpg" GALLERYIMG="no"></img> <div style="text-align: left;"></div> </em></h2> <em></em> <h2><em>As Independent Agents we represent a carefully selected group of financially sound, reputable insurance companies. We are proud to have been chosen by Dave Ramsey as an "Endorsed Local Provider" for insurance products. <br /> <br /> Dave is a well known and highly respected financial guru. He has taught financial principles to millions via radio, books, Financial Peace University, live events and online. Begin your journey to financial peace for a chance to win his online course - - valued at $99! </em><a href="http://www.daveramsey.com/fpu/online/ictid/fpo_cl/"><em>http://www.daveramsey.com/fpu/online/ictid/fpo_cl/</em></a><br /> <em><br /> </em><em><strong>It's easy to enter - - just &ldquo;Like&rdquo; Cliff Cottam Insurance Services on <a href="http://www.facebook.com/fbccisca?v=app_4949752878#!/fbccisca?sk=app_10467688569"><strong><span style="font-size: 18px;">Facebook</span></strong></a>.</strong></em><em><strong><br /> </strong></em><strong><em>The winner will receive a 16-week membership valued at $99. Here is what you will receive:<br /> <br /> &bull; All 13 video-based lessons from Dave's Financial Peace University.<br /> &bull; Powerful online budgeting software (trial).<br /> &bull; Community forums and chats.<br /> &bull; Downloadable workbook, budgeting forms, and MP3 audio.<br /> <br /> Refer your friends to 'Like' us for more chances to win!</em></strong> </h2> <p> </p> <strong><a href="http://www.ccisca.com/category.aspx?id=MISC1"><strong>Official Rules </strong></a>apply to this giveaway.<br /> </strong>urn:uuid:0a1d3f26-ccf7-439f-b33c-a8465c2ce5dcThanks to Tony Bizak's Back-seat&nbsp;Driver articles, we can pass along important&nbsp;driver information to you.&nbsp; Also, if you&nbsp;will be taking&nbsp;your DMV written test, study online from our website.&nbsp; Just click&nbsp;on the&nbsp;DMV...Mon, 19 Sep 2011 17:39:26 -0500<p>Thanks to Tony Bizak's Back-seat&nbsp;Driver articles, we can pass along important&nbsp;driver information to you.&nbsp; Also, if you&nbsp;will be taking&nbsp;your DMV written test, study online from our website.&nbsp; Just click&nbsp;on the<a href="/links.aspx">&nbsp;DMV 2011 Driver Handbook </a>found under our Main Menu, Insurance Company&nbsp;Link. </p> <p>Welcome back to "Hey Wait! Is That Legal?" where our experts tell it like it is, and everyone drives safely away, a winner!</p> <p><b>How far are you allowed to drive in a "suicide" or center turn lane? I stop, signal, and wait to merge, but I see cars keep driving and force themselves into traffic.<br /> </b><i>&ndash; Blair Weimer, Orangevale</i></p> <p> Here's what police say: You're allowed to drive 200 feet in a suicide lane &ndash; that's less than a city block. Once you pull in from a side street, it's OK to continue driving in the lane to merge more easily into adjacent flowing traffic. </p> <p>Police say that despite their name, "suicide" lanes are no more dangerous than other lanes.</p> <p><b>Are you supposed to signal a left turn if you are in a designated left-turn "pocket" lane at an intersection? We turn our blinker off, figuring other drivers can see we are in a turn lane. <br /> </b><i>&ndash; John, Sacramento<br /> </i><br /> You should signal any time your turn movement may affect another vehicle, Sacramento police traffic Detective Jim Anderson points out. You have to signal to get into the pocket lane in the first place. But if you are stopped in that turn lane at a long red light, you're OK turning the blinker off, as long as you turn it back on before you get going, Anderson says.</p> <p><b>State law requires vehicles to have front <a href="http://topics.sacbee.com/license+plates/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 700; display: inline; cursor: pointer;" rel="nofollow">license plates,</a> but some don't. Is there some local ordinance I'm not aware of?<br /> </b><i>&ndash; "Box Frog," Rocklin</i></p> <p>Nope. But some new sports models come with sleek-looking bumper covers that must be popped off to attach the license plate. And some drivers like the look of their car without a clunky license plate, so they "postpone" adding the plate.</p> <p><b>I've seen motorcyclists park on sidewalks and share parking spots with cars. Is that legal?<br /> </b><i>&ndash; Darren, Sacramento</i></p> <p>City officials say it is always illegal for motorcycles or scooters to park on sidewalks or adjacent green spaces. But motorcycles are allowed to share parking spots with cars, as long as the motorcycle is parked entirely within the L-bracket painted on the street. The parking meter has to be fed, even if the car has a disabled placard. For free motorcycle parking sites in Sac, go to <a href="http://www.sacpark.org/" target="_blank">www.sacpark.org</a> and click on "rates &amp; map," then "discount programs."</p> <p><b>If a car registration is expired, do insurance companies cancel the policy? I can't imagine insuring a car without valid registration.<br /> </b><i>&ndash; Nick Buttino, Elk Grove</i></p> <p>We couldn't either, but we're wrong, according to state insurance industry spokesman Tully Lehman. "If someone doesn't have registration, but gets in a crash, their insurance will cover it," he said. Their <a href="http://topics.sacbee.com/insurance+rates/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">insurance rates</a> may rise, but mainly because of the crash. <br /> <br /> Read more: <a href="http://www.sacbee.com/2011/09/19/3920538/back-seat-driver-whats-californias.html#ixzz1YRIZtf9EWelcome" style="color: #003399;">http://www.sacbee.com/2011/09/19/3920538/back-seat-driver-whats-californias.html#ixzz1YRIZtf9EWelcome</a>&nbsp;<br /> <i><br /> <a href="/contact.aspx"><strong>Contact Us </strong></a><strong>today for your insurance needs!&nbsp; (800) 807-6871.&nbsp; The&nbsp;</strong><a href="/default.aspx"><strong>Cliff Cottam Insurance Services </strong></a><strong>team.&nbsp;<br /> <br /> <br /> </strong></i></p>urn:uuid:02c39e61-b341-4474-83af-e9070f34da21By Warren Miller Starting a business is easy. Anyone can start one. Keeping motivated and committed is what sustains it and keeps you ahead of the pack. It can be tough to do, especially when things are not going so well. Following are some tips to h...Thu, 15 Sep 2011 14:48:10 -0500<p><em>By </em><a href="http://www.articlesbase.com/authors/warren-miller/193159" target="_blank"><em>Warren Miller</em></a></p> <p>Starting a business is easy. Anyone can start one. Keeping motivated and committed is what sustains it and keeps you ahead of the pack. It can be tough to do, especially when things are not going so well. Following are some tips to help you in your quest to keep committed:</p> <p><strong>1. Set realistic and measurable goals.</strong> Without doing this first step, there's really no reason to continue. If you want to create a business that's there for the long haul, make sure you know exactly what you want to do and how soon you expect to do it.</p> <p><strong>2. Keep your goals in mind.</strong> Remind yourself what you want to accomplish. Don't let the mundane daily tasks keep you from your vision. You might find it helpful to write down these goals and put them in a place where you'll see them on a consistent basis.</p> <p><strong>3. Be flexible.</strong> The best business plans are the ones that are adaptable to a changing marketplace. Make sure your goals and methods can easily be changed if conditions call for it. Most of all, you must be willing to change. Don't forcibly squeeze yourself into a one-size-fits-all hat when there may be other options if you keep your eyes open.</p> <p><strong>4. Stay persistent. </strong>The flexibility mentioned previously is important, but so is a level of persistence. Don't be so quick to bail on a method if it doesnt produce immediate results. Some marketing techniques, such as search engine optimization, can take months before seeing the fruits of your labor. Stick with these types of techniques until you are positive it will never be of benefit to your vision.</p> <p><strong>5. Keep it interesting and fun.</strong> Try to make your pursuits an enjoyable task. You probably started a business with the idea of being your own boss. This should be a motivating factor as you move forward. Even if your business is slow to grow, at least you aren't answering to anyone but your customers.</p> <p><strong>6. Surround yourself with supportive people.</strong> It's much easier to stay committed to something if you have a good circle of people on your side, whether they are investors, friends, family, or even customers. Remember that most people that are critical of your business likely work for someone else and thus have no right to do so.</p> <p><strong>7. Don't be afraid to ask for help.</strong> Most people get into a small business thinking they can do it all themselves. This is extremely difficult, if not impossible. Starting a business is a huge undertaking and it's normal to require help. Doing it on your own might seem like it would be more rewarding, but not if it takes too much time to make it successful.</p> <p><strong>8. Review your accomplishments.</strong> If you're having a bad day or feeling like you aren't getting anywhere, look back at all you've done since getting started. Write it down. By the time you're finished, youll probably be surprised at all you've done. Keep this list handy and keep updating it with new accomplishments. Eventually all this work will probably lead to more profits.</p> <p><strong>9. Expand your horizons.</strong> Try to find ways to enhance your current products or services. Look at your competitors to find out what they are doing differently. Always be expanding your mind, and your business will likely follow suit. This type of effort can also keep things more exciting.</p> <p><strong>10. Most important, stay positive.</strong> A positive attitude goes further than you think and can be a great help in keeping you motivated. This goes for both your business and your personal life. Treat each disappointment as an opportunity to learn and grow in order to do it better the next time.<br /> <br /> Following these tips alone will not make your business a success, but they likely are a necessary part of your plan. Don't underestimate the power the mind has in helping a business grow.<br /> <br /> The <a href="/default.aspx">Cliff Cottam Insurance Services </a>Team hopes that these tips will help you and your Business.&nbsp; For a free no obligation<a href="/business/bop_quote.aspx"> Business Owners Quote&nbsp;</a>call us at<span style="color: #c00000; font-size: 16px;"><strong> (800) 807-6871</strong></span> today!&nbsp;</p>urn:uuid:2d28ed15-0c8c-46e8-a455-837cc510e09f<img src='http://www.ccisca.com/img/~www.ccisca.com/expensive-car-insurance.jpg' align='left' />&nbsp;&nbsp;&nbsp;&nbsp;Just like the location of your home affects the home owners insurance and overall prices around you, car insurance changes depending on where you are located. According to MostExpensiveJournal.com, Car insurance can be an expe...Mon, 12 Sep 2011 22:16:27 -0500&nbsp;&nbsp;&nbsp;&nbsp;Just like the location of your home affects the home owners insurance and overall prices around you, car insurance changes depending on where you are located.<br /> <p>According to MostExpensiveJournal.com, Car insurance can be an expensive prospect for automobile owners. If you think you&rsquo;re paying too much, though, maybe you should compare your insurance rates to those of the most expensive car insurance in the world.</p> <p>In 2005, New Jersey had the most expensive auto insurance in the nation. The average insurance expenditure, at the time, was $1,184. Considering that this was actually 3.1% less than the average expenditure in 2004, New Jersey residents may have been happy to pay the country&rsquo;s most expensive premiums.</p> <p>In second place, DC was only $2 behind New Jersey at $1,182. New York took third place with a $1,122 average.<br /> <br /> </p> <p style="text-align: center;"><img alt="" src="/img/~www.ccisca.com/expensive-car-insurance.jpg"> <div style="text-align: left;"></div> </img></p> <p></p> <p>Of course, the amount you pay for insurance depends substantially on the vehicle you&rsquo;re insuring. If you plan to own a Dodge Ram pickup truck, for instance, you can expect a hole in your wallet just as big as your vehicle. Owners pay an average premium of $1,336 for insurance. The high insurance payments on these trucks are due to the fact that they are, apparently, prone to both property damage and bodily injury.</p> <p>The most expensive auto insurance in the world, though, comes from former UK Prime Minister Tony Blair&rsquo;s old neighborhood. Islington, a north London neighborhood, may have a few wealthy areas but it also has a car theft rate two and a half times England&rsquo;s national average. This accounts for a phenomenal average premium of &pound;745/month. In the US, that would be nearly $1,500!</p>urn:uuid:045451d4-f92d-4de7-8c77-fb67ab01fe4d<img src='http://www.ccisca.com/img/~www.ccisca.com/CCIS_All.jpg' align='left' />Cliff Cottam Insurance Services offers a wide variety of features for our users and friends to&nbsp;navigate easily throughout our website. We also have many tools for every need having to do with insurance.&nbsp;Within our website on the upper&nbsp;...Sun, 11 Sep 2011 18:45:11 -0500<p style="text-align: left;"><span style="font-size: 18px;">Cliff Cottam Insurance Services offers a wide variety of features for our users and friends to&nbsp;navigate easily throughout our website. We also have many tools for every need having to do with insurance.&nbsp;Within our website on the upper&nbsp;left hand corner of the screen&nbsp;is our main menu; we have many useful tabs within the main menu to make your insurance life&nbsp;easier! Here are a few of our features:<br /> </span><br /> <a href="/faq.aspx"><strong>Frequently Asked Questions</strong></a>: We know that insurance is confusing and many people do not know all the ins and outs of the insurance world. Cliff Cottam insurance services has set up common questions we are asked by our customers. Feel free to contact us if you still are uncertain about an answer we have given and/or you still have an unanswered question. We are always here to help!<br /> <br /> <a href="/links.aspx"><strong>Insurance Company Links</strong></a>: This tab will lead you to many helpful website and links dealing with homes, auto and other needs. Websites include: Kelly Blue Book, AM Best, Edmunds, DMV 2011 Drivers Handbook, California Department of Real Estate First Time Buyer's and Renter's Handbook, Sac Bee Classified, California Department of Insurance, and&nbsp;Insurance Institute for Highway Safety. Below the links we have numerous insurance companies links. (Progressive, Mercury, Fidelity, etc.)<br /> <br /> <a href="/category.aspx?id=MISC14"><strong>Make a Payment</strong></a>: Here,&nbsp;you can quickly and easily make a payment on your policy. &nbsp;The insurance carriers listed on this page will accept your credit card or electronic check payments. If you are making a payment to: Fidelity, Foremost, McGraw, Mercury, Progressive, Victoria or Viking, please click directly to their link shown on the page. If your insurance company is not listed, please click on the Make a Payment form link at the bottom of the page. If you have any questions, please feel free to contact us. <br /> <br /> <a href="/category.aspx?id=MISC12"><strong>Newsletter</strong></a>: Every once in awhile our team sends out a newsletter to our friends at Cliff Cottam Insurance Services. We include news updates with the Agency and what is going on with us. We do not over send these out to our mailing lists, only every few months. If you would like to join the mailing list, there is a <a href="/newsletter.aspx">'join our newsletter' </a>tab next to the newsletter tab itself under the main menu. <br /> <br /> <a href="/testimonials.aspx"><strong>Testimonials</strong></a>: Want to know what we do or how our customers rate us? Go ahead and click on the testimonial link which will take you to our customers thoughts about our agency's performance. Here is what one customer had to say:<br /> &nbsp;"My experience with your company was excellent. As the owner of Markee Personal Training and a personal trainer in Sacramento, Cliff Cottam Insurance found me the best rates to cover my business! Special thanks go to Anne!"<br /> <b>P. Markee</b>, <i>June 2010<br /> </i><br /> <a href="/get_a_quote/default.aspx"><strong>Get a Quote</strong></a>: Not many people know about this feature and it has to be one of the easiest things to do! Getting an insurance quote can sometimes be difficult, not with Cliff Cottam Insurance though. We make it fast, effective and easy to get a free quote online. Just fill out the information asked and click submit! It is as easy as that.<br /> <br /> There are many other links, tabs and tools Cliff Cottam Insurance has to offer to our friends, these are just a few ones that are overlooked by our customers. Please take the time to look through our website and let us help you with your insurance needs. Also, do not forget about our <a href="/category.aspx?id=MISC9">Sweepstakes </a>page where we almost always have a sweepstakes going on! <br /> <br /> </p> <p style="text-align: center;"> </p> <p style="text-align: center;"><img alt="" src="/img/~www.ccisca.com/CCIS_All.jpg" longdesc="Andrew Amundson, Diana Cottam, Cliff Cottam, Anne Siebum, Kenzi McWilliams"> <div style="text-align: left;"></div> </img></p> <p style="text-align: center;"> </p> <p style="text-align: left;"> <br /> <br /> </p>urn:uuid:60b0ba31-51a5-4464-a3e9-16b94636fd0b<img src='http://www.insurancewebsitebuilder.com/img/~www.ccisca.com/iwo-9-11-final.jpg' align='left' />&nbsp;&nbsp;&nbsp;&nbsp;Tomorrow will mark the tenth anniversary for the tragic attacks on America which happened on September 11th, 2001. As we go on into our lives tomorrow, please take the time to remember those whose lives ended, were changed and...Sat, 10 Sep 2011 18:22:24 -0500<p style="text-align: center;">&nbsp;&nbsp;&nbsp;&nbsp;Tomorrow will mark the tenth anniversary for the tragic attacks on America which happened on September 11th, 2001. As we go on into our lives tomorrow, please take the time to remember those whose lives ended, were changed and lives that will never be forgotten. <br /> <br /> <br /> <img alt="" width="304" height="291" style="width: 364px; height: 407px;" src="http://www.insurancewebsitebuilder.com/img/~www.ccisca.com/iwo-9-11-final.jpg"></img><br /> <br /> The car pro weekly had posted&nbsp;a blog that was very thoughtful and respectful of the events that happened on September 11th. They will also be holding a special rememberance show for their listeners. </p> <p style="punctuation-wrap: simple;"><strong>"Please join us this Saturday for a very special tribute to all those who died on September 11, 2001. Kevin McCarthy, my trusty sidekick, will recap the events of that fateful day, followed by comments from me, and then a musical tribute of the Pledge of Allegiance. </strong>We hope you will be able to spend this very special moment with us. For most listeners we will do the tribute in the 3^rd hour of the show; that is the 2 PM Central/Noon Pacific hour. KFWB Los Angeles listeners, you will hear it on Sunday morning in the 6 AM Pacific hour. Sacramento listeners, you will catch the tribute on KSTE 650 AM Saturday at Noon Pacific time."<br /> <br /> Please listen to the special tribute to all the brave people in America on that tragic day. If you would like to read more on this blogg from Kevin McCarthy please click on the link below: <a href="http://campaign.r20.constantcontact.com/render?llr=5cautydab&amp;v=0015qKm9V6FEG70kdV2e-Y8lqKWfJNDnARz5RzBFXXiBEWw63zutks_2UyT1E_TBNJVuGPsRcSRuaBiqe2LzLs_ASamE91J5iiAR7UHojWbzCU%3D">http://campaign.r20.constantcontact.com/render?llr=5cautydab&amp;v=0015qKm9V6FEG70kdV2e-Y8lqKWfJNDnARz5RzBFXXiBEWw63zutks_2UyT1E_TBNJVuGPsRcSRuaBiqe2LzLs_ASamE91J5iiAR7UHojWbzCU%3D</a><br /> <br /> Thank you, and<strong> God bless America!<br /> </strong></p> <p style="text-align: center;"> </p> <p style="punctuation-wrap: simple;"> </p> <p style="text-align: center;"> </p> <p style="punctuation-wrap: simple;"> </p>urn:uuid:710c0f82-12fe-4afe-9be0-78a17c5ba70c<img src='http://www.ccisca.com/img/~www.ccisca.com/11299096607.jpg' align='left' /> Enter our new Dave Ramsey Giveaway today! Dave is a well known and highly respected financial guru. He has taught financial principles to millions via radio, books, Financial Peace University, live events and online. Begin your journey to fi...Thu, 08 Sep 2011 18:46:34 -0500<p style="text-align: center;"><strong><img alt="" src="http://www.ccisca.com/img/~www.ccisca.com/11299096607.jpg"> <div style="text-align: left;"></div> </img></strong></p> <p><strong></strong></p> <p style="text-align: center;"><strong><span style="color: #c00000; font-size: 16px;">Enter our new Dave Ramsey Giveaway today! </span><hr> </hr> </strong></p> <p><strong> </strong><em><strong> Dave is a well known and highly respected financial guru. He has taught financial principles to millions via radio, books, Financial Peace University, live events and online. Begin your journey to financial peace for a chance to win his online course - - valued at $99! </strong></em><a href="http://www.daveramsey.com/fpu/online/ictid/fpo_cl/"><em><strong>http://www.daveramsey.com/fpu/online/ictid/fpo_cl/</strong></em></a><br /> <em><br /> <br /> <br /> </em><em><strong>It's easy to enter - - just &ldquo;Like&rdquo; Cliff Cottam Insurance Services on <a href="http://www.facebook.com/fbccisca?v=app_4949752878#!/fbccisca?sk=app_10467688569">facebook</a></strong></em> <em><strong><br /> </strong></em><a name="Facebook"><br /> </a><strong><em>The winner will receive a 16-week membership valued at $99. Here is what you will receive:. <br /> <br /> <br /> &bull; All 13 video-based lessons from Dave's Financial Peace University.<br /> &bull; Powerful online budgeting software (trial).<br /> &bull; Community forums and chats.<br /> &bull; Downloadable workbook, budgeting forms, and MP3 audio.<br /> <br /> Refer your friends to 'Like' us for more chances to win!</em></strong> </p> <p> <strong><a href="http://www.ccisca.com/category.aspx?id=MISC1"><strong>Official Rules</strong></a> apply to this giveaway.<br /> </strong></p>urn:uuid:d7233942-cb3d-433b-bffd-680d1f1e41ce<img src='http://www.ccisca.com/img/~www.ccisca.com/Harley%20Motorcycle.jpg' align='left' /> If you've purchased a new motorcycle, you probably can't wait to get it on the road. But even if you have an existing car insurance policy, it's important to understand that it won't cover your motorcycle or any liability expenses that occur becaus...Tue, 06 Sep 2011 11:29:18 -0500<br /> <br /> <img alt="" src="/img/~www.ccisca.com/Harley%20Motorcycle.jpg"></img>If you've purchased a new motorcycle, you probably can't wait to get it on the road. But even if you have an existing car insurance policy, it's important to understand that it won't cover your motorcycle or any liability expenses that occur because of an accident. In fact, motorcycle insurance is completely different from auto insurance and requires the purchase of an additional policy. Chances are, you can add this policy to an existing car insurance policy. It could even earn you a multiple-policy discount on your yearly premiums.<br /> <br /> <li class="step">1&nbsp; Contact your auto insurance provider or agent, and talk to him about purchasing a motorcycle insurance policy. In most cases, you can purchase the policy over the phone.&nbsp; </li> <p class="step">&nbsp;</p> <li class="step">2&nbsp; Find out what you are required to have for motorcycle insurance. Although all states require property damage liability and bodily damage liability, other requirements vary from state to state. Your insurance company or agent will tell you precisely what you need.</li> <p class="step">&nbsp;</p> <li class="step">3&nbsp; Obtain an insurance quote for your motorcycle based on the value of the bike and your overall driving record. Although your insurer will have most of your information from your auto insurance policy, it will need information about the motorcycle, such as the make, model, year and vehicle identification number. If there is a lien holder for the motorcycle, it will need that information as well.</li> <p class="step">&nbsp;</p> <li class="step">4&nbsp; Let your insurer know whether you've completed a motorcycle training course, because this could earn you a discount on your policy. When discussing your quote, find out how much it will cost to add optional coverage for collision, comprehensive coverage, uninsured or underinsured motorist coverage, guest passenger liability, towing and rental coverage.</li> <p class="step">&nbsp;</p> <li class="step">5 Finalize the details of your motorcycle insurance policy, and attach it to your auto insurance plan. If you complete the previous steps over the phone, your insurer likely will need to mail you forms to review and sign<br /> <br /> <strong>These are great tips by Lynn Burbeck, eHow Contributor.&nbsp; Find out if&nbsp;<a href="/default.aspx">Cliff Cottam Insurance&nbsp;</a>can &nbsp;save you more on your auto, home&nbsp; or business insurance.&nbsp; Call us at<span style="font-size: 16px;"> (800) 807-6871</span> today!</strong></li> <p class="step">Read more:&nbsp; &nbsp;<a href="http://www.ehow.com/how_12027310_add-motorcycle-insurance-car-policy.html">http://www.ehow.com/how_12027310_add-motorcycle-insurance-car-policy.html</a></p>urn:uuid:cf7f40ed-53cf-4f9d-aabc-b225d75ddc77The Cliff Cottam Insurance Team thought that this article by&nbsp;Tony Bizjak&nbsp;of the Sacramento Bee to be&nbsp;informative and may be helpful for you to know. DMV: Uh, never mind Some California drivers are receiving delinquency notices from th...Mon, 05 Sep 2011 13:53:17 -0500<h3><a href="/default.aspx">The Cliff Cottam Insurance Team </a>thought that this article by&nbsp;<a href="http://www.sacbee.com/search_results/?sf_pubsys_story_byline=Tony Bizjak&amp;link_location=top" title="Read more articles by Tony Bizjak">Tony Bizjak</a>&nbsp;of the Sacramento Bee to be&nbsp;informative and may be helpful for you to know.</h3> <h3>DMV: Uh, never mind</h3> <h3> <p>Some California drivers are receiving delinquency notices from the DMV even though they renewed their <a href="http://topics.sacbee.com/vehicle+registration/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">vehicle registration</a> on time.<br /> <strong><br /> <span style="font-size: 16px;"> The problem began in July, when DMV stopped mailing renewal notices until the bickering Legislature decided on vehicle license fee levels.&nbsp; The subsequent backlog is basically cleared up now, DMV says. But the agency is offering all vehicle owners a 30-day renewal deadline extension through the end of the year.&nbsp; So, says DMV, don't pay the late fee unless you're more than 30 days late.</span></strong></p> </h3> <p>&nbsp;</p> <h3>Take your lumps <p>Reader Ling Suen saw this road sign: "Speed lumps, 15 mph." Lumps, he asks? Is that a correct word?&nbsp; Yes, if you're a traffic engineer. Lumps are members of the hump family. They're the ones with sections cut out to match the axle length for firetrucks and buses, so they can go faster on <a href="http://get.lingospot.com/link/?@li2=3848&amp;is_lhid=0&amp;key=ATPUCNWCXV&amp;portal_key=3_Sacbee&amp;ps_id=6MvNOyJjXi&amp;q=QQ:lqOTqjptCQGA_DA7:[:ORJJOBDIOGBSDVOqptJ:pnCDOqmj_J:pnCGO4aJm8CZPBRA:GPPHKVV&amp;section_key=&amp;site_id=&amp;url=http%3A%2F%2Ftopics.sacbee.com%2Femergency%2Bcalls%2F&amp;url_key=_TaCSO0CAIDGIP7UBK&amp;v=1&amp;~boot=1315248094963" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">emergency calls.</a></p> </h3> <p>&nbsp;</p> <h3>Roadkill</h3> <h3>Speaking of road lumps, there have been a lot of skunk sightings in Sacramento neighborhoods at night lately. What to do if you hit one? Call animal control. In the city, that's 311.&nbsp; If the animal is alive, they'll try to save it. If it is dead, it's a road hazard and needs to be removed.</h3> <p>Read more: <a href="http://www.sacbee.com/2011/09/05/3885237/back-seat-driver-bill-allows-rt.html#ixzz1X6ZrQbvB" style="color: #003399;">http://www.sacbee.com/2011/09/05/3885237/back-seat-driver-bill-allows-rt.html#ixzz1X6ZrQbvB</a><br /> <br /> <br /> </p> <br /> <br />urn:uuid:073be3ad-2090-4be0-9fb4-d2eaada7cf64Here is another perspective from City.Data.com&nbsp; Need auto insurance? Let Cliff Cottam Insurance help you out! Click on the link today!: Auto Quote Form. &nbsp; Last year, my girlfriend, my best friend and I spent 3 weeks in California for vacati...Sat, 03 Sep 2011 19:16:04 -0500Here is another perspective from City.Data.com&nbsp; Need auto insurance? Let <a href="http://www.ccisca.com/default.aspx">Cliff Cottam Insurance </a>help you out! Click on the link today!:<a href="http://www.ccisca.com/automobile/quick_insurance_quote.aspx"> Auto Quote Form</a>.<br /> &nbsp;<br /> Last year, my girlfriend, my best friend and I spent 3 weeks in California for vacation, touring the state. We're coming from France and are, respectively, 35, 33 and 34. We drove from San Francisco to Lassen Volcanic Park in the north part of California, then to Lake Tahoe, Monolake, Yosemite, Las Vegas, Los Angeles and then back to San Fransisco.<br /> <br /> During our trip, we drove in absolutly all kinds of roads : 10-lane congested urban freeways in LA and SF metro areas, desert rural roads, meandering forest roads, urban one way streets, avenues and boulevards, 2-lane highways, 3-lane (one is the passing one) roads, 2x2 roads with or without dividers, during the day, the night, etc.<br /> <br /> Viewed from Europe and especially from France, there is the persistent myth that american, and especially californian, drivers are cool, relax, corteous, doing the speed limits : well they are actually good drivers compared with the French drivers who I've used to consider so far as perfect dangerous jerks compared with the american ones. There's also another myth : cops and highway patrol cars are everywhere checking for your speed, your behaviour. Third myth : road casualties are much lower in the US than in Europe regarding the same comparison basis. I guess those myths date back to the "CHips" series time!!! Well the conclusion of my 3-week California tour is : this time is over!<br /> <br /> I would like to give my opinion on the topic, based on my californian driving experience : well to sum it up i'd say that all those myths are totally FALSE, it's complete RIP-OFF!!! Reality is far from the myths and not in a good way, we noticed.<br /> <br /> Here are the widespread road behaviors we noticed on the California roads :<br /> <br /> 1-speeding : it's a sports practiced by 100% of californian drivers ; the speed limits? pff forget about them!! speed limits are mere indications NOBODY respects and neither enforced at all. Oh yes, we tried to respect them the first week but, let's be realistic : nobody does them, everybody tries to drive as fast as possible, even if the road or weather conditions are bad and If one dares doing the speed limits heis automatically endangered by the other drivers, threatened even by the others who honk, tailgate and show you their finger. At a time my girlfriend told me "speed up or one of them is going to take his rifle and shoot us" (yes, you're true, another myth : each citizen in the US carries a rifle with him).<br /> The worst experiences : <br /> *Pasadena freeway in LA, an urban freeway with dangerous sharp bends and stop signs on the on-ramps : you enter the freeway at a low speed and everybody on the freeway is speeding at 75 instead of 55, waving, cutting off, etc. Well honestly, due to the sharp bends and the lack of acceleration lanes, we didn't find that the 55 speed limit was too low!!<br /> *I15 between los angeles and las vegas : it seemed that people where crazy on their way to Las Vegas : speeding, tailgating, honking, cutting off, using the shoulder as a lane on traffic jams, this was a festival of nonsense driving<br /> <br /> 2. Red light running : in San Fransisco and LA, it seems to be a widespread habit to run red lights even 5 seconds after the light has turned from yellow to red. If you're a pedestrian you got to be very carefull if don't want to die.<br /> <br /> 3. tailgaiting : well if you do the speed limit like us, it is unavoidable to have cars only a few feet of your bumper. Furthermore, everyboy will show you how wrong you are to respect the law by honking, threatening you, making road rage gestures.<br /> <br /> 4. cutting in front of your car : widespread behaviour on the freeways, despite the rear mirrors, a great number of california drivers behave as if they were alone on the freeway. We were forced to hit the brakes several times not to be hit by these guies.<br /> <br /> 5. turn signal and changing of lanes : the turn signal??? What for??? I'd say that less than 10% of the drivers use it when changing lanes. Well it was no rare to see drivers changing 4 lanes in one time to exit a freeway, almost causing crashes.<br /> <br /> 6. keeping a safe distance between cars : again, what for? The philosophy in california roads seems to be the following : the least space you let between your car and the car in front of you, the better it is for everybody. Even worse, when you're trying to let a reasonable distance between you and the car in front of you (you know, in the very very very unlikely case there is a sudden brake in front and so that you will not end in a giant pile-up), there will always be someone cutting in front of you, passing you to feed this seucrit distance!<br /> <br /> 7. (no) enforcement : complete lax! what are the highway patrol officers doing? spending their work time sleeping on their cars ??? The relevant question is : is there really a highway patrol or have they fired all the cops since the "CHiPs" times?? During all the trip we only saw one time a patrol car ; it was in a 4 lanes highway, everybody was doing 80 in a 65 hwy (exept us) the cops picked one car at random and arrested it, the others went on as if nothing had happened!! Wow, such an efficient way to enforce the speed limit!!<br /> <br /> - Our conclusion :driving in California is unsafe and you are put at risk whenever you take your car and hit the road. The road beahviors seemed to us selfish, mean, it was some kind of "i'm the king of the road, i do whatever i want to do no matter he consequences, get off the road" attitude.<br /> Read more: <a href="http://www.city-data.com/forum/california/308366-driving-california-california-drivers-end-myth.html#ixzz1WwBgqjb3" style="color: #003399;">http://www.city-data.com/forum/california/308366-driving-california-california-drivers-end-myth.html#ixzz1WwBgqjb3</a><br /> <br /> <br />urn:uuid:27d1600c-2af6-4abc-b9a6-e1877bf1a61e<img src='http://school.discoveryeducation.com/clipart/images/busload.gif" originalPath="http://school.discoveryeducation.com/clipart/images/busload.gif' align='left' /> The Cliff Cottam Insurance Team believe this article by&nbsp; USNewswire is timely and important to remember.&nbsp;Everyone needs to stop and remember these tips. &nbsp; As millions of students nationwide head back to school, the National Coalitio...Fri, 02 Sep 2011 11:52:21 -0500<p > <img alt="" id="il_fi" style="width: 242px; height: 179px; padding-top: 8px; padding-right: 8px; padding-bottom: 8px;" src="http://school.discoveryeducation.com/clipart/images/busload.gif" originalPath="http://school.discoveryeducation.com/clipart/images/busload.gif" originalAttribute="src"></img><br /> <br /> <strong><em>The </em></strong><a href="http://www.ccisca.com/automobile/default.aspx"><strong><em>Cliff Cottam Insurance Team </em></strong></a><strong><em>believe this article by&nbsp; USNewswire is timely and important to remember.&nbsp;Everyone needs to stop and remember these tips.<br /> </em></strong>&nbsp;<br /> As millions of students nationwide head back to school, the National Coalition for Safer Roads (NCSR) is calling special attention to red light safety for motorists, pedestrians and cyclists.</p> <p>No matter how they get to and from school &mdash; cars, buses, bikes, or simply walking &mdash; NCSR is striving to educate parents and students about the importance of staying safe by being vigilant about their surroundings. </p> <p> "As many parents focus on back to school supplies, it is essential that they take the time to talk with their children who are either heading to school for the first time, or back to school, about traffic and road safety precautions to ensure a safe commute," said <a href="http://topics.sacbee.com/David+Kelly/" class=" lingo_link" style="font-family: georgia,times new roman,times,serif; font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow"><span style="color: #024a82;">David Kelly,</span></a> president and executive director of NCSR, and former acting administrator of the <a href="http://topics.sacbee.com/National+Highway+Traffic+Safety+Administration/" class=" lingo_link" style="font-family: georgia,times new roman,times,serif; font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow"><span style="color: #024a82;">National Highway Traffic Safety Administration</span></a> (NHTSA). "The greatest risk for children is when they are walking to school or waiting for the bus, when they are at-risk for falling victim to careless red-light runners."</p> <p>Since 2000, 130 school-age pedestrians (younger than 19) have died in school transportation-related crashes with 56 (43 percent) between the ages of 5 and 7 (<a href="http://www-nrd.nhtsa.dot.gov/Pubs/811396.pdf"><span style="color: #024a82;">National Highway Traffic Safety Administration (NHTSA)</span></a>.</p> <p>Red-light running is the <b>leading cause of urban crashes,</b> according to the Insurance Institute for Highway Safety (IIHS)<b>. In 2009, 676 people were killed</b> and an estimated <b>113,000 were injured</b> in crashes that involved red-light running, with pedestrians, bicyclists and occupants in vehicles that are hit by the red-light runners accounting for about half of the deaths.</p> <p>To highlight the importance of back to school road safety, NCSR is reminding adults and children about important <b>Red Light Safety Tips:</b></p> <p><span style="color: #c00000;"><strong>ALWAYS STOP ON RED!</strong></span> </p> <p>Whether it's a red light, stop sign, pedestrian crosswalk signal, or school bus signal &mdash; ALWAYS STOP ON RED! </p> <p><strong><span style="color: #c00000;">BE ALERT</span> </strong></p> <p><i>Drivers:</i> Be aware of children walking to and from bus stops, as they might not be paying attention to you and could dart into the road.</p> <p><i>Pedestrians:</i> ALWAYS stop, look and listen before crossing an intersection &mdash; even if the pedestrian signal shows the walking figure.</p> <p><i>Cyclists: </i>ALWAYS<i> </i>wear a helmet and be aware of the around traffic you. Be cautious and share the roadway.</p> <p><strong><span style="color: #c00000;">NEVER RUSH</span> </strong></p> <p><i>Drivers:</i> Obey posted speed limits and NEVER try to beat a light to save a few seconds. No family should have to suffer the loss of a loved one because of someone's desire to beat a light.</p> <p><i>Pedestrians</i>: Try to arrive to your bus stop early and map out your route ahead of time so you are never rushing to catch the bus. Always wait at least 6 feet from the curb and don't approach the bus until it comes to a complete stop.</p> <p><i>Cyclists:</i> Plan your route ahead of time so you are never rushing. Use designated cycling lanes when possible and be sure to share the roadway.</p> <p><strong><span style="color: #c00000;">AVOID DISTRACTIONS</span></strong></p> <p><i>Drivers: </i>Reduce any distractions inside your car so you can concentrate on the road and your surroundings. NEVER talk on your cell phone or text while driving!</p> <p><i>Pedestrians and Cyclists: </i>Listening to music, talking or texting on cell phones as you walk or ride your bike are deadly distractions that leave you unaware of your surroundings. Keep devices off and your eyes and ears open. Stay alert and aware of your surroundings.</p> <p>"There are too many close calls with careless drivers at intersections. We're promoting back to school road safety and red light safety to help protect our children, our families and our communities from the callous and dangerous behavior of red-light runners," Kelly said. "By using innovative technologies such as red light safety cameras at dangerous intersections across the country, we can put an end to deadly red-light running. Together, we can protect our communities, families and children by always stopping on red."</p> <p>To further highlight the dangers of red-light running, NCSR has released a series of powerful testimonials and PSAs on the dangers of red-light running. In 2004, Amanda DeVine was driving home from school when a dump-truck driver ran a red light and broadsided her SUV. DeVine suffered a severe traumatic <a href="http://topics.sacbee.com/brain+injury/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">brain injury,</a> lost her spleen and almost lost a kidney. <a href="http://youtu.be/w6O_ZjxRGhM">View Amanda's story.</a></p> <p>Other important back to school safety tips from NHTSA and the Department of Transportation can be found by visiting <a href="http://www.nhtsa.gov/people/injury/buses/kidsschoolbus_en.html">http://www.nhtsa.gov/people/injury/buses/kidsschoolbus_en.html</a>.</p> <p>Read more: <a href="http://www.sacbee.com/2011/09/01/3877667/back-to-school-red-light-safety.html#ixzz1WoWFjr3G" style="color: #003399;">http://www.sacbee.com/2011/09/01/3877667/back-to-school-red-light-safety.html#ixzz1WoWFjr3G</a></p> <p></p>urn:uuid:44cfaf98-d7dd-4a6a-86c6-567f93a055cc<img src='http://www.myshortsaleangel.com/wp-content/uploads/2011/08/hurricane_flood.jpg' align='left' /> Due to emergency circumstances across the East Coast, families are packing their bags, loading up the SUV, and heading inland to avoid the inevitable results of Hurricane Irene. Though many of us could not begin do imagine the effects of a high-s...Wed, 31 Aug 2011 14:21:20 -0500<p style="text-align: center;"><img alt="" src="http://www.myshortsaleangel.com/wp-content/uploads/2011/08/hurricane_flood.jpg"></img> <div style="text-align: left;"></div> </p> <br /> Due to emergency circumstances across the East Coast, families are packing their bags, loading up the SUV, and heading inland to avoid the inevitable results of Hurricane Irene. Though many of us could not begin do imagine the effects of a high-scale hurricane, our initial conception is the damage that will ensue on a home due to wind. But what about water damage? While wind will be an obvious threat, many homeowners in the effected need to worry less about wind damage and more about the damage that may be caused by water. <p>For those that live anywhere near water in the Sacramento Region, flooding from underneath a home is an obvious concern. In the case of a Hurricane, water is a threat from above. According to the Boston Globe, &ldquo;flooding caused &lsquo;from above&rsquo;, i.e. heavy rain through a hole in your roof will be covered by your homeowner&rsquo;s insurance. Alternatively, flood damage &lsquo;from below&rsquo;, i.e. through the basement walls, is not covered. Water damage &lsquo;from below&rsquo; is covered by flood insurance and policies are available through National Flood Insurance&rdquo;.</p> <p>So while our hearts and minds are with our East Coast friends, and we cannot begin to understand their fears and troubles through the unfortunate circumstances of Hurricane Irene, this is also an opportunity to evaluate our own priorities.</p> <p>According to <a href="http://www.safca.org/">www.safca.org</a>, Sacramento is one of the highest-risk cities for flooding in the nation, even alongside New Orleans. This risk is attributed to two things:</p> <p>1. The levees of the Sacramento Region were built over 150 years ago and were not built to the &ldquo;current engineering standards&rdquo;. 2. Although the Folsom Dam was built in the 1950&rsquo;s for the purpose of reducing water flow from the Sierra Nevada Mountains to the American River, the intensity of storms in the region has since significantly increased.</p> <p>According to Michael Barry from the Insurance Information Bureau, &ldquo;only 20% of all U.S. homes are covered by flood insurance [&hellip;] homeowner&rsquo;s need to buy a separate flood insurance policy that covers damage specifically from flooding due to a storm surges, torrential rains or other acts of nature&rdquo;.</p> <p>For some Sacramento homeowners, flood insurance is required. However, even those that are outside of the considered &ldquo;high risk&rdquo; areas should consider their options. &ldquo;Homeowners outside of flood zones often go uncovered, mainly because homeowners don&rsquo;t realize that their existing policies don&rsquo;t cover floods or because they don&rsquo;t feel their home are at risk&rdquo;. The Water Resources Department of Sacramento County states that you do not have to be within a high-risk area to qualify for flood insurance and in many cases you may still be offered a discounted rate. Check with&nbsp;<a href="/flood/insurance_quote.aspx">Cliff Cottam Insurance Agent</a> to see what you&rsquo;re covered for and read the fine print!</p> <p>Coutesey of <a href="http://www.safca.org/">www.safca.org</a>, <a href="http://www.msa2.saccounty.net/">www.msa2.saccounty.net</a>, and The Boston Globe<br /> <br /> </p>urn:uuid:9b1f6e25-66fb-4c3d-b3b6-666d5789df19What Is Distracted Driving? There are three main types of distraction: Visual &mdash; taking your eyes off the road Manual &mdash; taking your hands off the wheel Cognitive &mdash; taking your mind off what you&rsquo;re doing Distracted...Tue, 30 Aug 2011 17:45:32 -0500<p>What Is Distracted Driving?</p> <h4>There are three main types of distraction:</h4> <ul class="listing"> <li>Visual &mdash; taking your eyes off the road</li> <li>Manual &mdash; taking your hands off the wheel</li> <li>Cognitive &mdash; taking your mind off what you&rsquo;re doing</li> </ul> <p>Distracted driving is any non-driving activity a person engages in that has the potential to distract him or her from the primary task of driving and increase the risk of crashing.</p> <p>While all distractions can endanger drivers&rsquo; safety, texting is the most alarming because it involves all three types of distraction.</p> <h4>Other distracting activities include:</h4> <ul class="listing"> <li>Using a cell phone</li> <li>Eating and drinking</li> <li>Talking to passengers</li> <li>Grooming</li> <li>Reading, including maps</li> <li>Using a PDA or navigation system</li> <li>Watching a video</li> <li>Changing the radio station, CD, or Mp3 player. </li> </ul> <p><em><strong>The national Safety Council reports that reported that last year alone over 1.6 million traffic accidents are caused by texting while diving. It doesn&rsquo;t matter how old you are or how much driving experience you think you have, it&rsquo;s never safe.<br /> <br /> </strong> <a href="/default.aspx"><span style="font-size: 13px;"><strong>Cliff Cottam Insurance Services</strong></span></a><span style="font-size: 13px;"><strong>&nbsp;will be doing our part to remind drivers in Sacramento with a radio message airing August 30, 2011. Tune in to KSSU 1580 AM between 5 &amp; 6 PM. Our message is simple&mdash;&ldquo;Be Safe And Responsible."&nbsp; Make sure that you are protected while driving.&nbsp; Call us at&nbsp;(800) 807-6871 for a&nbsp;</strong></span><a href="/automobile/quick_insurance_quote.aspx"><span style="font-size: 13px;"><strong>free auto quote</strong></span></a><span style="font-size: 13px;"><strong> today!</strong></span></em></p>urn:uuid:2158b4bd-3eab-4c7f-8d62-c2d9faf71a9eBy Tony Bizak Did you know that when your parking meter time is up, you're not allowed in Sacramento to scoot to another meter on the same block? Neither did midtown worker Karen Cicak. She got a ticket, but couldn't find anything in writing at the ...Tue, 30 Aug 2011 15:37:03 -0500<p>By Tony Bizak<br /> <br /> Did you know that when your parking meter time is up, you're not allowed in Sacramento to scoot to another meter on the same block?</p> <p>Neither did midtown worker Karen Cicak. She got a ticket, but couldn't find anything in writing at the city explaining why. (Actually, city officials dismissed her ticket when she complained and they determined she had reparked on a different block from her initial spot.)</p> <p>Cicak asks: How are parkers supposed to know the "off the block" rule? It's not on the signs. </p> <p> The answer: Not unless someone explains it. The code section officials cited to us is fuzzy and doesn't mention anything about moving your car a block.</p> <p>In fact, it seems to say once your meter is up, you must leave downtown or whatever "<a href="http://topics.sacbee.com/business+district/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">business district</a>" you're in. Even city officials were scratching heads over that wording. "We're not sure what the thinking was," Linda Tucker said.</p> <p>Tucker said parking officials interpret it simply as: Just go a block away. That way, workers are less likely to use up spots in front of stores and restaurants by running out every two hours to play musical cars. The city prefers that workers park in garages or lots.</p> <p>The "off the block" rule applies at "pay and display" kiosks also.</p> <p>They know if you've moved a block or not, thanks to license plate scanning cameras with global positioning technology.</p> <p>Prompted by Cicak's question, officials are now writing new explanations for confusing parking topics, to post at: cityofsacramento.org/ transportation/parking/ onstreetquestions.html</p> <p><strong><span style="font-size: 16px;">School bus redux</span></strong></p> <p>I got it wrong last week in explaining when to stop for a school bus with red lights flashing and stop-sign arm down. You stop if you are going in the same direction as the bus, no matter how many lanes there are. You also stop if you are going the other direction on, say, a street with one lane in each direction. But you do <i>not </i>stop if you are on the opposite side of a multi-lane street (two or more lanes in each direction) or a street with a median divider.</p> <p>Credit reader Nick Ferrari for pointing out an important distinction.</p> <br /> Read more: <a href="http://www.sacbee.com/2011/08/29/3868314/back-seat-driver-sacramento-parking.html#ixzz1WXvjEmPY" style="color: #003399;">http://www.sacbee.com/2011/08/29/3868314/back-seat-driver-sacramento-parking.html#ixzz1WXvjEmPY</a><br /> <br /> <br /> Need&nbsp;auto insurance? Let <a href="/default.aspx">Cliff Cottam Insurance </a>help you out! Click on the link today!:<a href="/automobile/quick_insurance_quote.aspx"> Auto Quote Form</a>.urn:uuid:88420706-8a9e-4235-bbf8-e3f77ecb91fdBy Jerry Reynolds of Car Pro On this week's Automotive News in Two Minutes I show you the 2012 Cadillac SRX SUV inside, outside, and behind the wheel. You can see that footage in this week's video report. Plus the effect Wall Street is having on th...Thu, 25 Aug 2011 09:57:32 -0500By Jerry Reynolds of Car Pro On this week's Automotive News in Two Minutes I show you the 2012 Cadillac SRX SUV inside, outside, and behind the wheel. You can see that footage in this week's video report. Plus the effect Wall Street is having on the auto industry and much more! <a href="http://youtu.be/qDT7Ej8halI">http://youtu.be/qDT7Ej8halI</a><br /> <br /> &lt;iframe width="560" height="345" src="<a href="http://www.youtube.com/embed/qDT7Ej8halI">http://www.youtube.com/embed/qDT7Ej8halI</a>" frameborder="0" allowfullscreen&gt;&lt;/iframe&gt;<br /> <br /> If you need auto insurance for your <a href="/automobile/quick_insurance_quote.aspx">vehicles</a>, why not&nbsp;let one of our friendly insurance agents find you the best coverage at the best rates. We will shop the many companies so you don't have to.<a href="/contact.aspx">&nbsp; Contact us </a>at<span style="font-size: 16px;"> (800) 807-6871</span> today!urn:uuid:13200893-1d18-4d5b-8afb-a4d1472b68f1According to InsuranceJournal.com, "A strong earthquake struck the U.S. East Coast and was felt as far away as Canada on Tuesday, shaking buildings in many cities, delaying flights and trains and sending thousands of frightened workers into the stree...Wed, 24 Aug 2011 15:10:35 -0500According to InsuranceJournal.com, "A strong earthquake struck the U.S. East Coast and was felt as far away as Canada on Tuesday, shaking buildings in many cities, delaying flights and trains and sending thousands of frightened workers into the streets. <p>There were no reports of major damage or injuries from the 5.9 magnitude quake, which the U.S. Geological Survey said was centered in Mineral, Virginia, at a very shallow depth of 0.6 mile .</p> <p>The Pentagon and the U.S. Capitol were briefly evacuated in Washington, and thousands of panicked office workers scurried into the streets up and down the East Coast as the lunchtime quake sent items crashing to the floor from store and office shelves.</p> <p>&ldquo;We were rocking,&rdquo; said Larry Beach, who works at the U.S Agency for International Development in downtown Washington, 83 miles from the quake&rsquo;s epicenter. &ldquo;It was definitely significant.&rdquo;</p> <p>Earthquakes of magnitude 5.5 to 6 can cause damage to buildings and other structures, especially if shallow. The U.S. East Coast does not normally feel quakes of this strength.</p> <p>The shallower a quake is, the more intense it is felt on the surface, and the potential for damage is greater.</p> <p>Amtrak reduced speed between Washington and Baltimore, track crews inspected East Coast stations and rails for damage and warned passengers to expect delays.</p> <p>Two nuclear reactors at a power plant in Virginia went off line, while traffic lights were knocked out throughout Washington.</p> <p>Three pinnacles in the central tower of the Washington National Cathedral, the highest building in the city, broke off in the quake, a spokesman said.</p> <p>Chandeliers swayed in the U.S. Capitol and the floor of the U.S. Senate shook before staff headed for the doors. The U.S. Congress is in recess.</p> <p>&ldquo;I thought at first somebody was shaking my chair and then I thought maybe it was a bomb,&rdquo; said Senate aide Wendy Oscarson-Kirchner.</p> <p>Phone service was disrupted throughout the region as network congestion prevented Cellphone users from making calls. A Verizon Wireless spokesman said there were no reports of damage to its network but congestion disrupted service for about 20 minutes after the quake." <br /> <br /> <br /> <br /> Need Earthquake insurance, Let Cliff Cottam Insurance help you out! Click on the link today!: <a href="http://www.ccisca.com/earthquake/insurance_quote.aspx">http://www.ccisca.com/earthquake/insurance_quote.aspx</a></p>urn:uuid:40994c5e-ae42-45eb-b90c-7e2b35aa6553<img src='http://www.ccisca.com/img/~www.ccisca.com/elp_badge_home_auto_lg.jpg' align='left' /> Remember to 'like us' on facebook for a chance to win a Dave Ramsey Online Course valued at $99!!&nbsp; &nbsp;It's easy to enter - - just &ldquo;Like&rdquo; Cliff Cottam Insurance Services on facebook The winner will receive a 16-week membershi...Mon, 22 Aug 2011 10:32:46 -0500<p style="text-align: left;"><span style="color: #c00000; font-size: 16px;"><br /> <strong><span style="font-size: 13px;">Remember to 'like us' on facebook for a chance to win a Dave Ramsey Online Course valued at $99!!</span></strong></span>&nbsp;</p> <p style="text-align: center;"><img alt="" style="width: 236px; height: 150px;" src="/img/~www.ccisca.com/elp_badge_home_auto_lg.jpg"></img></p> <p> <div style="text-align: left;">&nbsp;<strong><span style="font-size: 13px;">It's easy to enter - - just &ldquo;Like&rdquo; Cliff Cottam Insurance Services on </span></strong><a href="http://www.facebook.com/fbccisca?v=app_4949752878#!/fbccisca?sk=app_10467688569"><strong><span style="font-size: 13px;">facebook</span></strong></a><strong><span style="font-size: 13px;"> <br /> </span></strong><a name="Facebook"><br /> <strong><span style="font-size: 13px;"> </span></strong></a><span style="font-size: 16px;"><strong><span style="font-size: 13px;">The winner will receive a 16-week membership valued at $99. Here is what you will receive: <br /> <br /> &bull; All 13 video-based lessons from Dave's Financial Peace University.<br /> &bull; Powerful online budgeting software (trial).<br /> &bull; Community forums and chats.<br /> &bull; Downloadable workbook, budgeting forms, and MP3 audio.<br /> <br /> Refer your friends to 'Like' us for more chances to win!</span></strong> </span></div> </p> <p style="text-align: left;"><span style="font-size: 16px;"> </span><a href="http://www.ccisca.com/category.aspx?id=MISC1"><span style="font-size: 13px;"><strong>Official Rules</strong></span></a><span style="font-size: 13px;"><strong> apply to this giveaway.<br /> <br /> </strong> </span></p> <br />urn:uuid:fc9eff19-8e36-4f62-92c5-dd57174763d4<img src='http://school.discoveryeducation.com/clipart/images/busload.gif' align='left' />The Cliff Cottam Insurance Team believe this article by Tony Bizjak of the Sacramento Bee is timely and important&nbsp;to remember.&nbsp;&nbsp;Particularly that "On any street, no matter how many lanes there are in both directions, cars must stop whe...Mon, 22 Aug 2011 10:24:20 -0500<p><strong><em><img alt="" id="il_fi" style="width: 242px; height: 179px; padding-top: 8px; padding-right: 8px; padding-bottom: 8px;" src="http://school.discoveryeducation.com/clipart/images/busload.gif"></img>The <a href="/automobile/default.aspx">Cliff Cottam Insurance Team </a>believe this article by Tony Bizjak of the Sacramento Bee is timely and important&nbsp;to remember.&nbsp;&nbsp;Particularly that "On any street, no matter how many lanes there are in both directions, cars must stop when a bus is stopped with its red lights flashing, and often with its retractable stop sign out."</em></strong>&nbsp;&nbsp; <br /> <br /> <br /> <br /> It's the time of year when some of our more analytical drivers call to ask about a certain simple yet surprisingly confusing street speed sign, the one that says: 25 miles per hour when children are present.</p> <p>The signs are typically in front of schools. Most of us get the basic idea and its importance: <a href="http://topics.sacbee.com/School/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">School</a> has begun or is about to be in session. Kids will be crossing the street. Slow down when you pass a&nbsp;school. And watch out.</p> <p>But plenty of drivers are perplexed. Does it mean slow down if you see children anytime, or just during sschool hours? &nbsp;And, they ask, are you supposed to still slow down if it's midmorning, for instance, and all the kids are safely inside at their desks? </p> <p>The <a href="http://get.lingospot.com/link/?@li2=3291&amp;is_lhid=1&amp;key=ATPUCNWCXV&amp;portal_key=3_Sacbee&amp;ps_id=MmBKEH8XrX&amp;q=QQ:lqOTqjptCQ{7PGS@DBZORJJOBSGOIHGVOqptJ:pnCBOqmj_J:pnCDO4aJm8CPUDRA:GHGPKVV&amp;section_key=&amp;site_id=&amp;url=http%3A%2F%2Ftopics.sacbee.com%2FCHP%2F&amp;url_key=_TaCSO0CAZ_H7DIUBK&amp;v=1&amp;~boot=1314025829800" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">CHP's</a> <a href="http://topics.sacbee.com/Adrian+Quintero/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Adrian Quintero</a> says the answer is mainly in section 22358.4 of the state <a href="http://topics.sacbee.com/Vehicle+Code/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Vehicle Code.</a></p> <p>It says the slow-down rule applies "while children are going to or leaving the school, either during school hours or during the noon recess period."</p> <p>Quintero points out that recesses at some schools happen all day, and children can be entering or exiting&nbsp;school at any point during the day.</p> <p>The lower speeds also apply on evenings when families are headed to an event at the school, or weekends if kids are coming and going for sports activities.</p> <p>The Vehicle Code notes that drivers are supposed to slow down when the school is not separated from the road by a fence or gate. That doesn't mean if you see a fence you can breeze by at a higher speed. Quintero says police typically expect drivers to slow even if kids are playing behind a fence. You don't know if there is a nearby open gate.</p> <p>"The general rule is if you see kids out, slow down," Quintero said.</p> <p>However, if you are driving on the opposite side of the street from the school, and there is a center median between you and the&nbsp;school, you do not have to slow down.</p> <p>The slow zone basically is a minimum of 500 feet on either side of the school. The fine for violating </p> <p>the law is $236 to $470 in <a href="http://topics.sacbee.com/Sacramento+County/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Sacramento County,</a> depending on the driver's speed.</p> <p>&nbsp;</p> <h3>Stop for a school bus</h3> <p>The second most common question drivers have this time of year: When do you stop for a school bus?</p> <p>That answer is less complicated. On any street, no matter how many lanes there are, cars in both directions must stop when a bus is stopped with its red lights flashing, and often with its retractable stop sign out.</p> <p>The reason is that children may be leaving the bus and immediately crossing the street.</p> <p>The key exception is when the road has a center divider, such as a concrete median. In that case, vehicles on the opposite side of the road don't have to stop.</p> <p>Once the bus turns off its red lights, cars can get moving again. They do not have to wait for the bus to take off first. <br /> <br /> Read more: <a href="http://www.sacbee.com/2011/08/22/3852328/back-seat-driver-lessons-on-school.html#ixzz1VlrAWPBd" style="color: #003399;">http://www.sacbee.com/2011/08/22/3852328/back-seat-driver-lessons-on-school.html#ixzz1VlrAWPBd</a></p> <p></p>urn:uuid:54f0b5e1-f866-42aa-81c2-29d14af7d351<img src='http://www.ccisca.com/img/~www.ccisca.com/untitled.png' align='left' />According to InsuranceJournal.com, "Federal safety regulators say a piece of machinery that killed a Yale University student lacked required safeguards. Michele Dufault, a senior, was killed April 12 when her hair was pulled into a fast-spinning lath...Thu, 18 Aug 2011 21:24:59 -0500According to InsuranceJournal.com, "Federal safety regulators say a piece of machinery that killed a Yale University student lacked required safeguards. <p>Michele Dufault, a senior, was killed April 12 when her hair was pulled into a fast-spinning lathe as she worked alone in a machine shop.</p> <p>The U.S. Occupational Safety and Health Administration wrote in a letter to Yale that the lathe lacked an emergency stop button that could shut off power. The Associated Press obtained a copy of the letter Tuesday through a Freedom of Information Act request.</p> <p>The OSHA letter said rules for using the equipment were not posted. It also says Yale should ensure students don&rsquo;t work alone.</p> <p>OSHA didn&rsquo;t fine Yale, saying it lacked jurisdiction.</p> <p>A message for a Yale spokesman was not immediately returned."<br /> <br /> </p> <p style="text-align: center;"><img alt="" src="/img/~www.ccisca.com/untitled.png"> <div style="text-align: left;"></div> </img></p> <p></p>urn:uuid:f238d65b-e109-4882-9ac5-4e0d361590b7 Call us for your Insurance Needs at 1-(800)-807-6871 or click on the link today for a free auto quote: http://www.ccisca.com/automobile/car_insurance_quote.aspxWed, 17 Aug 2011 16:43:10 -0500<iframe width="560" height="349" src="http://www.youtube.com/embed/_8wdb5J7cT0" frameborder="0"></iframe><br /> <br /> <br /> Call us for your Insurance Needs at 1-(800)-807-6871 or click on the link today for a free auto quote: <a href="http://www.ccisca.com/automobile/car_insurance_quote.aspx">http://www.ccisca.com/automobile/car_insurance_quote.aspx</a>urn:uuid:1b1269e3-e421-455e-bc7c-02049176e3bc<img src='http://www.ccisca.com/img/~www.ccisca.com/Homes-For-Sale.jpg' align='left' />&nbsp;&nbsp;&nbsp;&nbsp;According to The Sacramento Bee, an article written by Rick Daysog explores the world of real estate and the dropping prices. "Home prices in Sacramento have dropped so much that more and more people can't resist the bargins."...Wed, 17 Aug 2011 15:53:12 -0500&nbsp;&nbsp;&nbsp;&nbsp;According to The Sacramento Bee, an article written by Rick Daysog explores the world of real estate and the dropping prices. "Home prices in Sacramento have dropped so much that more and more people can't resist the bargins." <br /> <p>"Researcher DataQuick reported Tuesday that the number of single-family homes sold in <a href="http://topics.sacbee.com/Sacramento+County/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Sacramento County</a> jumped 12.5 percent in July from the same month a year ago. Sales in <a href="http://topics.sacbee.com/El+Dorado/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">El Dorado,</a> Placer and Yolo counties also posted double-digit percentage increases last month, DataQuick said. Buyers continue to crowd the lower end of the market, where falling prices have made it cheaper to own than to rent in many cases. Prices are now 50 percent below their 2007 peak."</p> <p>"It's all bargain shopping and bottom feeding because prices have come down so much," said DataQuick analyst <a href="http://topics.sacbee.com/Andrew+LePage/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Andrew LePage.</a></p> <p>The local sales numbers run counter to statewide results for July. The number of homes sold in <a href="http://topics.sacbee.com/California/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">California</a> dropped 1.4 percent from July 2010, and in the <a href="http://topics.sacbee.com/Bay+Area/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Bay Area</a> &ndash; usually a key barometer of <a href="http://topics.sacbee.com/Sacramento/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Sacramento's</a> housing market - sales dropped 1.7 percent.</p> <p>According to DataQuick, the median price for a single-family home in <a href="http://topics.sacbee.com/Sacramento/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Sacramento</a> County was $161,000 last month, a 10.6 percent decline from the year-earlier period.</p> <p>Median prices in <a href="http://topics.sacbee.com/El+Dorado+County/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">El Dorado County</a> fell 18.6 percent to $250,000 in July while the median in <a href="http://topics.sacbee.com/Placer+County/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Placer County</a> was down 10.4 percent at $259,500. Yolo County's median was off 8.1 percent at $221,500.</p> <p>Those low prices present opportunities for investors hoping to rent out properties and flip them when the market improves."<br /> <br /> </p> <p style="text-align: center;"><img alt="" width="589" height="307" style="width: 440px; height: 307px;" src="/img/~www.ccisca.com/Homes-For-Sale.jpg"> <div style="text-align: left;"></div> </img></p> <p ><br /> Read more: <a href="http://www.sacbee.com/2011/08/17/3842819/as-home-prices-continue-fall-low.html#ixzz1VJzuvXy3" style="color: #003399;">http://www.sacbee.com/2011/08/17/3842819/as-home-prices-continue-fall-low.html#ixzz1VJzuvXy3</a><br /> <br /> Need home owners insurance? Click here today: <a href="http://www.ccisca.com/homeowners/default.aspx">http://www.ccisca.com/homeowners/default.aspx</a></p>urn:uuid:73ca4902-e4a4-4cba-b1ab-4451df0409aa<img src='http://www.insurancewebsitebuilder.com/img/~www.ccisca.com/normal%20car.png' align='left' />This article is by Jasper Ericks from AutoQuoteNow.com. Did you know that with every kind of insurance, knowing the right tips can make things easier? Auto owners insurance is no different from the other kinds in the market. In every state, auto insu...Wed, 17 Aug 2011 15:31:01 -0500This article is by Jasper Ericks from AutoQuoteNow.com.<br /> <p>Did you know that with every kind of insurance, knowing the right tips can make things easier? Auto owners insurance is no different from the other kinds in the market. In every state, auto insurance is a must have for everyone who has a car. But from one state to the next, insurance premiums tend to vary. If the cost of insurance is getting you down, then make sure that you spend some time considering your options before you renew it next time. There is of course a distinctive difference between cheap and inexpensive auto owners insurance. When you buy cheap insurance, you are pretty much settling for no insurance at all.</p> <p>What you want to look for when considering auto owners insurance is a deal that comes at a decent price. You have to make sure you get the kind of coverage you want, one that will secure your vehicle well. It is possible to get a deal that will be useful if you can take some time out to compare costs. There are of course different methods to ensure that you can claim a lower premium. The most basic way to go about it is by paying higher deductibles. This will ensure that you can negotiate on your insurance premium with your company.</p> <p>Another important step to follow when considering auto insurance is to always ensure that you do not break any laws while driving. One DUI, one offense on the road is enough to cost you a higher premium on your insurance. When you have had a clean record for over three years, you can renegotiate the payments on your insurance deals. Driving safe and getting lowered premiums is a double bonus that you can have if you put your mind to it.</p> <p>Another factor an insurance company will consider when deciding auto owners insurance is the car you drive. The make of the car, its model, its speed and security features are all important factors. When you own a mean new sports car, you automatically fall in to aggressive driver category in the mind of insurance personnel. Proving it to be wrong takes time and effort, of course. Make sure however that you do negotiate with your clean driving record if you have recently bought a highly expensive car. You can also opt for defensive driving courses which will also make them see that you are not a rash driver but a careful one.</p> <p>&nbsp;</p> <p style="text-align: center;"><img alt="" src="http://www.insurancewebsitebuilder.com/img/~www.ccisca.com/normal%20car.png"></img> </p> <div style="text-align: left;">Need Auto Insurance? Click here today and let Cliff Cottam Insurance Services help you out:<a href="http://www.ccisca.com/automobile/default.aspx">http://www.ccisca.com/automobile/default.aspx</a> <br /> </div> <p style="text-align: center;"> </p>urn:uuid:83f160b3-0a48-465f-afea-b54af2a621e6By Katherine Seligman Shannon Stairhime and her carsplit up every morning. She commutes on public transportation to her job in the East Bay while her Toyota Corolla waits on the street for its next driver. "It used to just sit there and occasionally...Tue, 16 Aug 2011 10:38:26 -0500<p><a href="http://get.lingospot.com/link/?@li2=3247&amp;is_lhid=1&amp;key=ATPUCNWCXV&amp;portal_key=3_Sacbee&amp;ps_id=wFBGUAVJBa&amp;q=QQ:lqOTqjptCQ:DUGA{IZAORJJOBZBOHISVOqptJ:pnCBOqmj_J:pnCGZO4aJm8CPIZRA:GDDBKVV&amp;section_key=&amp;site_id=&amp;url=http%3A%2F%2Ftopics.sacbee.com%2FShannon%2BStairhime%2F&amp;url_key=_TaCSO0CAZU@[AUUBK&amp;v=1&amp;~boot=1313508442086" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">By </a><a href="http://www.sacbee.com/search_results/?sf_pubsys_story_byline=Katherine Seligman&amp;link_location=top" title="Read more articles by Katherine Seligman">Katherine Seligman</a><br /> <a href="http://get.lingospot.com/link/?@li2=3247&amp;is_lhid=1&amp;key=ATPUCNWCXV&amp;portal_key=3_Sacbee&amp;ps_id=wFBGUAVJBa&amp;q=QQ:lqOTqjptCQ:DUGA{IZAORJJOBZBOHISVOqptJ:pnCBOqmj_J:pnCGZO4aJm8CPIZRA:GDDBKVV&amp;section_key=&amp;site_id=&amp;url=http%3A%2F%2Ftopics.sacbee.com%2FShannon%2BStairhime%2F&amp;url_key=_TaCSO0CAZU@[AUUBK&amp;v=1&amp;~boot=1313508442086" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow"><br /> Shannon Stairhime</a> and her carsplit up every morning. She commutes on public transportation to her job in the <a href="http://topics.sacbee.com/East+Bay/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">East Bay</a> while her <a href="http://topics.sacbee.com/Toyota+Corolla/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Toyota Corolla</a> waits on the street for its next driver.</p> <p>"It used to just sit there and occasionally get tickets," said Stairhime, who rents her car to neighbors for $5 an hour through a new business called RelayRides. "Now I feel like I'm contributing and giving back to the neighborhood."</p> <p>She's not going to get rich, but the arrangement helps alleviate the guilt of owning a car in an auto-choked city, she said. Noe Corolla, as her car is known, now earns part of its own keep. </p> <p> It joins Betty, <a href="http://topics.sacbee.com/Das+Beetle/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Das Beetle,</a> <a href="http://topics.sacbee.com/Agent+Orange/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Agent Orange,</a> The Proton and <a href="http://topics.sacbee.com/Castro+Vibes/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Castro Vibes,</a> among others, that sit on city streets with signs announcing, "<a href="http://topics.sacbee.com/Borrow+My+Car/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Borrow My Car.</a>" Since December, when Relay started in San Francisco, 2,500 people have signed up to rent some 100 available cars.<br /> <br /> Read more: <a href="http://www.sacbee.com/2011/08/15/3837883/rental-businesses-let-san-francisco.html#ixzz1VCqXdYC7" style="color: #003399;">http://www.sacbee.com/2011/08/15/3837883/rental-businesses-let-san-francisco.html#ixzz1VCqXdYC7</a><br /> <br /> <br /> <strong><span style="color: #000000;">If </span>you are looking to have someone reevaluate your auto, home, rental property or business coverage, let a <a href="http://www.ccisca.com/default.aspx">Cliff Cottam Insurance </a>agent provide you with a tailored-made insurance plan. <a href="http://www.ccisca.com/contact.aspx">Contact us </a>for a free consultation today! (800) 807-6871</strong></p> <p></p>urn:uuid:3e93080b-146f-441f-bfca-6021f54c4f08By Katherine Seligman Shannon Stairhime and her carsplit up every morning. She commutes on public transportation to her job in the East Bay while her Toyota Corolla waits on the street for its next driver. "It used to just sit there and occasionally...Tue, 16 Aug 2011 10:38:23 -0500<p><a href="http://get.lingospot.com/link/?@li2=3247&amp;is_lhid=1&amp;key=ATPUCNWCXV&amp;portal_key=3_Sacbee&amp;ps_id=wFBGUAVJBa&amp;q=QQ:lqOTqjptCQ:DUGA{IZAORJJOBZBOHISVOqptJ:pnCBOqmj_J:pnCGZO4aJm8CPIZRA:GDDBKVV&amp;section_key=&amp;site_id=&amp;url=http%3A%2F%2Ftopics.sacbee.com%2FShannon%2BStairhime%2F&amp;url_key=_TaCSO0CAZU@[AUUBK&amp;v=1&amp;~boot=1313508442086" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">By </a><a href="http://www.sacbee.com/search_results/?sf_pubsys_story_byline=Katherine Seligman&amp;link_location=top" title="Read more articles by Katherine Seligman">Katherine Seligman</a><br /> <a href="http://get.lingospot.com/link/?@li2=3247&amp;is_lhid=1&amp;key=ATPUCNWCXV&amp;portal_key=3_Sacbee&amp;ps_id=wFBGUAVJBa&amp;q=QQ:lqOTqjptCQ:DUGA{IZAORJJOBZBOHISVOqptJ:pnCBOqmj_J:pnCGZO4aJm8CPIZRA:GDDBKVV&amp;section_key=&amp;site_id=&amp;url=http%3A%2F%2Ftopics.sacbee.com%2FShannon%2BStairhime%2F&amp;url_key=_TaCSO0CAZU@[AUUBK&amp;v=1&amp;~boot=1313508442086" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow"><br /> Shannon Stairhime</a> and her carsplit up every morning. She commutes on public transportation to her job in the <a href="http://topics.sacbee.com/East+Bay/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">East Bay</a> while her <a href="http://topics.sacbee.com/Toyota+Corolla/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Toyota Corolla</a> waits on the street for its next driver.</p> <p>"It used to just sit there and occasionally get tickets," said Stairhime, who rents her car to neighbors for $5 an hour through a new business called RelayRides. "Now I feel like I'm contributing and giving back to the neighborhood."</p> <p>She's not going to get rich, but the arrangement helps alleviate the guilt of owning a car in an auto-choked city, she said. Noe Corolla, as her car is known, now earns part of its own keep. </p> <p> It joins Betty, <a href="http://topics.sacbee.com/Das+Beetle/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Das Beetle,</a> <a href="http://topics.sacbee.com/Agent+Orange/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Agent Orange,</a> The Proton and <a href="http://topics.sacbee.com/Castro+Vibes/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Castro Vibes,</a> among others, that sit on city streets with signs announcing, "<a href="http://topics.sacbee.com/Borrow+My+Car/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Borrow My Car.</a>" Since December, when Relay started in San Francisco, 2,500 people have signed up to rent some 100 available cars.<br /> <br /> Read more: <a href="http://www.sacbee.com/2011/08/15/3837883/rental-businesses-let-san-francisco.html#ixzz1VCqXdYC7" style="color: #003399;">http://www.sacbee.com/2011/08/15/3837883/rental-businesses-let-san-francisco.html#ixzz1VCqXdYC7</a><br /> <br /> <br /> <strong><span style="color: #000000;">If </span>you are looking to have someone reevaluate your auto, home, rental property or business coverage, let a <a href="http://www.ccisca.com/default.aspx">Cliff Cottam Insurance </a>agent provide you with a tailored-made insurance plan. <a href="http://www.ccisca.com/contact.aspx">Contact us </a>for a free consultation today! (800) 807-6871</strong></p> <p></p>urn:uuid:a36195b6-ff38-469d-ba6d-bc0ce934fd50<img src='http://www.ccisca.com/img/~www.ccisca.com/CCIS_Kenzi_thumb.jpg' align='left' /> Cliff Cottam Insurance Services Newsletter eNewsletter: August 10, 2011&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&...Tue, 16 Aug 2011 09:46:43 -0500<table width="505" id="Masthead" style="color: #ffffff; background-color: #006685;" cellspacing="0" cellpadding="11"> <tbody> <tr> <td style="color: #ffffff;"> <h1>Cliff Cottam Insurance Services Newsletter</h1> <p>eNewsletter: August 10, 2011&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<span style="font-size: 18px;"><strong>(800) 807-6871</strong></span></p> </td> </tr> </tbody> </table> <table id="Helpful" style="color: #bdbcbc; background-color: #ffffff;" cellspacing="0" cellpadding="0"> <tbody> <tr> <td> <p>View it on our <a href="outbind://85-000000009BE25B24CA654F42AA3BE60D94B3C867A4882100/ccisca.com" title="blocked::ccisca.com" target="_blank" re_target="null">website</a>.</p> </td> </tr> </tbody> </table> <table width="505" id="Content" style="color: #666666; background-color: #ffffff;" cellspacing="0" cellpadding="10"> <tbody> <tr valign="top"> <td id="Primary"> <h2> <table width="561" id="Box" style="color: #666666; border-right-color: #999999; border-bottom-color: #999999; border-right-width: 1px; border-bottom-width: 1px; border-right-style: dashed; border-bottom-style: dashed; background-color: #ffffff;" cellspacing="0" cellpadding="28"> <tbody> <tr> <td id="Top" style="padding: 1px; border-top-color: #999999; border-left-color: #999999; border-top-width: 1px; border-left-width: 1px; border-top-style: dashed; border-left-style: dashed;"> <table width="505" id="Content" style="color: #666666; border-right-color: #999999; border-bottom-color: #999999; border-right-width: 1px; border-bottom-width: 1px; border-right-style: dashed; border-bottom-style: dashed; background-color: #ffffff;" cellspacing="0" cellpadding="10"> <tbody> <tr valign="top"> <td id="Primary" style="padding: 1px; border-top-color: #999999; border-left-color: #999999; border-top-width: 1px; border-left-width: 1px; border-top-style: dashed; border-left-style: dashed;"> <table width="580" id="Box" style="color: #666666; border-right-color: #999999; border-bottom-color: #999999; border-right-width: 1px; border-bottom-width: 1px; border-right-style: dashed; border-bottom-style: dashed; background-color: #ffffff;" cellspacing="0" cellpadding="15"> <tbody> <tr> <td style="padding: 1px; border-top-color: #999999; border-left-color: #999999; border-top-width: 1px; border-left-width: 1px; border-top-style: dashed; border-left-style: dashed;"> <table width="580" id="Content" style="color: #666666; border-right-color: #999999; border-bottom-color: #999999; border-right-width: 1px; border-bottom-width: 1px; border-right-style: dashed; border-bottom-style: dashed; background-color: #ffffff;" cellspacing="0" cellpadding="20"> <tbody> <tr valign="top"> <td id="Primary" style="padding: 1px; border-top-color: #999999; border-left-color: #999999; border-top-width: 1px; border-left-width: 1px; border-top-style: dashed; border-left-style: dashed;"> <h2> <table width="580" id="Box" style="color: #666666; border-right-color: #999999; border-bottom-color: #999999; border-right-width: 1px; border-bottom-width: 1px; border-right-style: dashed; border-bottom-style: dashed; background-color: #ffffff;" cellspacing="0" cellpadding="15"> <tbody> <tr> <td style="padding: 1px; border-top-color: #999999; border-left-color: #999999; border-top-width: 1px; border-left-width: 1px; border-top-style: dashed; border-left-style: dashed;"> <table width="580" id="Content" style="color: #666666; border-right-color: #999999; border-bottom-color: #999999; border-right-width: 1px; border-bottom-width: 1px; border-right-style: dashed; border-bottom-style: dashed; background-color: #ffffff;" cellspacing="0" cellpadding="20"> <tbody> <tr valign="top"> <td id="Primary" style="padding: 1px; border-top-color: #999999; border-left-color: #999999; border-top-width: 1px; border-left-width: 1px; border-top-style: dashed; border-left-style: dashed;"> <h2><span style="font-size: 18px;">Summer Social Media Interns head back to California State University, Sacramento (CSUS)</span></h2> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <table width="561" id="Box" style="color: #666666; border-right-color: #999999; border-bottom-color: #999999; border-right-width: 1px; border-bottom-width: 1px; border-right-style: dashed; border-bottom-style: dashed; background-color: #ffffff;" cellspacing="0" cellpadding="28"> <tbody> <tr> <td id="Top" style="padding: 1px; border-top-color: #999999; border-left-color: #999999; border-top-width: 1px; border-left-width: 1px; border-top-style: dashed; border-left-style: dashed;"> <table width="505" id="Content" style="color: #666666; border-right-color: #999999; border-bottom-color: #999999; border-right-width: 1px; border-bottom-width: 1px; border-right-style: dashed; border-bottom-style: dashed; background-color: #ffffff;" cellspacing="0" cellpadding="10"> <tbody> <tr valign="top"> <td id="Primary" style="padding: 1px; border-top-color: #999999; border-left-color: #999999; border-top-width: 1px; border-left-width: 1px; border-top-style: dashed; border-left-style: dashed;"> <table width="580" id="Box" style="color: #666666; border-right-color: #999999; border-bottom-color: #999999; border-right-width: 1px; border-bottom-width: 1px; border-right-style: dashed; border-bottom-style: dashed; background-color: #ffffff;" cellspacing="0" cellpadding="15"> <tbody> <tr> <td style="padding: 1px; border-top-color: #999999; border-left-color: #999999; border-top-width: 1px; border-left-width: 1px; border-top-style: dashed; border-left-style: dashed;"> <table width="580" id="Content" style="color: #666666; border-right-color: #999999; border-bottom-color: #999999; border-right-width: 1px; border-bottom-width: 1px; border-right-style: dashed; border-bottom-style: dashed; background-color: #ffffff;" cellspacing="0" cellpadding="20"> <tbody> <tr valign="top"> <td id="Primary" style="padding: 1px; border-top-color: #999999; border-left-color: #999999; border-top-width: 1px; border-left-width: 1px; border-top-style: dashed; border-left-style: dashed;"> <h2><img alt="" src="http://www.ccisca.com/img/~www.ccisca.com/CCIS_Kenzi_thumb.jpg"></img> <img alt="" src="http://www.ccisca.com/img/~www.ccisca.com/CCIS_Andrew_thumb.jpg"></img></h2> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <table width="561" id="Box" style="color: #666666; border-right-color: #999999; border-bottom-color: #999999; border-right-width: 1px; border-bottom-width: 1px; border-right-style: dashed; border-bottom-style: dashed; background-color: #ffffff;" cellspacing="0" cellpadding="28"> <tbody> <tr> <td id="Top" style="padding: 1px; border-top-color: #999999; border-left-color: #999999; border-top-width: 1px; border-left-width: 1px; border-top-style: dashed; border-left-style: dashed;"> <table width="505" id="Content" style="color: #666666; border-right-color: #999999; border-bottom-color: #999999; border-right-width: 1px; border-bottom-width: 1px; border-right-style: dashed; border-bottom-style: dashed; background-color: #ffffff;" cellspacing="0" cellpadding="10"> <tbody> <tr valign="top"> <td id="Primary" style="padding: 1px; border-top-color: #999999; border-left-color: #999999; border-top-width: 1px; border-left-width: 1px; border-top-style: dashed; border-left-style: dashed;"> <table width="580" id="Box" style="color: #666666; border-right-color: #999999; border-bottom-color: #999999; border-right-width: 1px; border-bottom-width: 1px; border-right-style: dashed; border-bottom-style: dashed; background-color: #ffffff;" cellspacing="0" cellpadding="15"> <tbody> <tr> <td style="padding: 1px; border-top-color: #999999; border-left-color: #999999; border-top-width: 1px; border-left-width: 1px; border-top-style: dashed; border-left-style: dashed;"> <table width="580" id="Content" style="color: #666666; border-right-color: #999999; border-bottom-color: #999999; border-right-width: 1px; border-bottom-width: 1px; border-right-style: dashed; border-bottom-style: dashed; background-color: #ffffff;" cellspacing="0" cellpadding="20"> <tbody> <tr valign="top"> <td id="Primary" style="padding: 1px; border-top-color: #999999; border-left-color: #999999; border-top-width: 1px; border-left-width: 1px; border-top-style: dashed; border-left-style: dashed;"> <h2> <table width="580" id="Box" style="color: #666666; border-right-color: #999999; border-bottom-color: #999999; border-right-width: 1px; border-bottom-width: 1px; border-right-style: dashed; border-bottom-style: dashed; background-color: #ffffff;" cellspacing="0" cellpadding="15"> <tbody> <tr> <td style="padding: 1px; border-top-color: #999999; border-left-color: #999999; border-top-width: 1px; border-left-width: 1px; border-top-style: dashed; border-left-style: dashed;"> <table width="580" id="Content" style="color: #666666; border-right-color: #999999; border-bottom-color: #999999; border-right-width: 1px; border-bottom-width: 1px; border-right-style: dashed; border-bottom-style: dashed; background-color: #ffffff;" cellspacing="0" cellpadding="20"> <tbody> <tr valign="top"> <td id="Primary" style="padding: 1px; border-top-color: #999999; border-left-color: #999999; border-top-width: 1px; border-left-width: 1px; border-top-style: dashed; border-left-style: dashed;"> <h2><span style="font-size: 16px;">We want to thank our summer interns who have worked diligently to improve our social media and internet presence.<br /> <br /> Kenzi McWilliams is entering her second year at CSUS. Her long term goal is to work in the medical field. Kenzi loves facebook and has been instrumental in developing our facebook presence.<br /> <br /> Andrew Amundson will be graduating with a degree in Communications with a concentration in New and Digital Media at the end of the fall semester.&nbsp; Andrew&rsquo;s graphic and digital knowledge have brought a new and exciting media component to our agency.<br /> </span><br /> <span style="font-size: 18px;">We wish you both success in your school and work endeavors!</span></h2> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </h2> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <table width="561" id="Box" style="color: #666666; border-right-color: #999999; border-bottom-color: #999999; border-right-width: 1px; border-bottom-width: 1px; border-right-style: dashed; border-bottom-style: dashed; background-color: #ffffff;" cellspacing="0" cellpadding="28"> <tbody> <tr> <td id="Top" style="padding: 1px; border-top-color: #999999; border-left-color: #999999; border-top-width: 1px; border-left-width: 1px; border-top-style: dashed; border-left-style: dashed;"> <table width="505" id="Content" style="color: #666666; border-right-color: #999999; border-bottom-color: #999999; border-right-width: 1px; border-bottom-width: 1px; border-right-style: dashed; border-bottom-style: dashed; background-color: #ffffff;" cellspacing="0" cellpadding="10"> <tbody> <tr valign="top"> <td id="Primary" style="padding: 1px; border-top-color: #999999; border-left-color: #999999; border-top-width: 1px; border-left-width: 1px; border-top-style: dashed; border-left-style: dashed;"> <table width="580" id="Box" style="color: #666666; border-right-color: #999999; border-bottom-color: #999999; border-right-width: 1px; border-bottom-width: 1px; border-right-style: dashed; border-bottom-style: dashed; background-color: #ffffff;" cellspacing="0" cellpadding="15"> <tbody> <tr> <td style="padding: 1px; border-top-color: #999999; border-left-color: #999999; border-top-width: 1px; border-left-width: 1px; border-top-style: dashed; border-left-style: dashed;"><strong><span style="color: #000000; font-size: 18px;">Community Reminder Stay Alive&hellip;Don&rsquo;t Text and Drive<br /> Campaign</span><br /> </strong><br /> <strong>The national Safety Council reports that reported that last year alone over 1.6<br /> million traffic accidents are caused by texting while diving. It doesn&rsquo;t matter how<br /> old you are or how much driving experience you think you have, it&rsquo;s never safe.<br /> <br /> Cliff Cottam Insurance Services will be doing our part to remind drivers in<br /> Sacramento with a radio message airing August 30, 2011. Tune in to KSSU<br /> 1580 AM between 5 &amp; 6 PM. Our message is simple&mdash;&ldquo;Be Safe And<br /> Responsible."<br /> </strong></td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <span style="font-size: 18px;">Enter our new Dave Ramsey Giveaway today!</span><br /> <br /> <span style="font-size: 16px;">Dave is a well known and highly respected financial guru. He has taught financial principles to millions via radio, books, Financial Peace University, live <br /> events and online. Begin your journey to financial peace for a chance to win his online course valued at $99! </span><a href="http://www.daveramsey.com/%20fpu/online/ictid/fpo_cl/" title="http://www.daveramsey.com/%20fpu/online/ictid/fpo_cl/" target="_blank" re_target="null"><span style="font-size: 16px;">http://www.daveramsey.com/</span></a><br /> <br /> <span style="font-size: 16px;">It's easy to enter&mdash;just &ldquo;Like&rdquo; Cliff Cottam Insurance Services on </span><a href="http://www.facebook.com/fbccisca?v=app_4949752878#!/fbccisca? sk=app_10467688569" title="http://www.facebook.com/fbccisca?v=app_4949752878#!/fbccisca? sk=app_10467688569" target="_blank" re_target="null"><span style="font-size: 16px;">Facebook</span></a><span style="font-size: 16px;">.<br /> <br /> The winner will receive a 16-week membership. Here is what you will receive:<br /> </span><br /> <span style="font-size: 16px;">&bull; All 13 video-based lessons from Dave's Financial Peace University.<br /> &bull; Powerful online budgeting software.<br /> &bull; Community forums and chats.<br /> &bull; Downloadable workbook, budgeting forms, and MP3 audio.<br /> <br /> Refer your friends to 'Like' us for more chances to win!<br /> <br /> </span><a href="http://www.ccisca.com/category.aspx?id=MISC9" title="http://www.ccisca.com/category.aspx?id=MISC9" target="_blank" re_target="null"></a><a href="http://www.ccisca.com/category.aspx?id=MISC1" title="http://www.ccisca.com/category.aspx?id=MISC1" target="_blank" re_target="null"><span style="font-size: 16px;">Official Rules</span></a><span style="font-size: 16px;"> apply to this giveaway.</span></h2> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </h2> <br /> </td> </tr> </tbody> </table> <table width="505" id="Legal" style="color: #66a3b6; background-color: #006685;" cellspacing="0" cellpadding="15"> <tbody> <tr> <td style="color: #66a3b6;"> <p>&copy;2011 Cliff Cottam Insurance Services, 3830 Watt Avenue, Sacramento</p> </td> </tr> </tbody> </table>urn:uuid:33f5a682-424d-419d-9609-51cd29767997<img src='http://www.ccisca.com/img/~www.ccisca.com/Cliff%20Cottam.jpg' align='left' /> &nbsp; Enter our new Dave Ramsey Giveaway today! Dave is a well known and highly respected ...Tue, 16 Aug 2011 09:34:27 -0500<table class="primaryTable" id="bodyTable" style="height: 400px;" cellpadding="0"> <tbody> <tr> <td class="menuCell" valign="top"></td> <td class="primaryTextCell" valign="top"> <h1>&nbsp;</h1> <h1 style="text-align: center;"><strong><img alt="" src="http://www.ccisca.com/img/~www.ccisca.com/Cliff%20Cottam.jpg"> <div style="text-align: left;"></div> </img></strong></h1> <center> <p><strong></strong></p> <strong><span style="color: #c00000; font-size: 18px;"><span style="color: #c00000; font-size: 24px;">Enter our new Dave Ramsey Giveaway today!</span> <hr> </hr></span> </strong> <p><strong> </strong><em><strong> Dave is a well known and highly respected financial guru. He has taught financial principles to millions via radio, books, Financial Peace University, live events and online. Begin your journey to financial peace for a chance to win his online course - - valued at $99! </strong></em><a href="http://www.daveramsey.com/fpu/online/ictid/fpo_cl/"><em><strong>http://www.daveramsey.com/fpu/online/ictid/fpo_cl/</strong></em></a><br /> <em><br /> <br /> <br /> </em><em><strong>It's easy to enter - - <span style="color: #c00000;">just &ldquo;Like&rdquo;</span> Cliff Cottam Insurance Services on facebook</strong></em><a href="http://www.facebook.com/fbccisca?v=app_4949752878#!/fbccisca?sk=app_10467688569"> <em><strong><br /> http://www.facebook.com/fbccisca?v=app_4949752878#!/fbccisca?sk=app_10467688569</strong></em></a><em><strong> <br /> </strong></em><strong><em>The winner will receive a 16-week membership valued at $99. Here is what you will receive:. <br /> <br /> <br /> &bull; All 13 video-based lessons from Dave's Financial Peace University.<br /> &bull; Powerful online budgeting software (trial).<br /> &bull; Community forums and chats.<br /> &bull; Downloadable workbook, budgeting forms, and MP3 audio.<br /> <br /> Refer your friends to 'Like' us for more chances to win!</em></strong> </p> <p> <strong><a href="http://www.ccisca.com/category.aspx?id=MISC1"><strong>Official Rules</strong></a> apply to this giveaway.<br /> </strong></p> </center></td> </tr> </tbody> </table>urn:uuid:e98655dd-1037-491d-bd8b-00838fbef49a<img src='http://www.ccisca.com/img/~www.ccisca.com/laborday8362.gif' align='left' />&bull; 2010 Grand Cherokee: $5,500 cash back ($1,500 dealer incentive) or 0% APR (up to 72 months) plus $1,000 cash back &bull; 2010 Chevrolet HHR: $4,000 cash back (up to $5,000 dealer incentive) or 0% APR (up to 60 months) &bull; 2010 Chevrolet Cob...Wed, 10 Aug 2011 14:21:34 -0500<p>&bull; 2010 Grand Cherokee: $5,500 cash back ($1,500 dealer incentive) or 0% APR (up to 72 months) plus $1,000 cash back</p> <p>&bull; 2010 Chevrolet HHR: $4,000 cash back (up to $5,000 dealer incentive) or 0% APR (up to 60 months)</p> <p>&bull; 2010 Chevrolet Cobalt, Malibu: $3,000 cash back (up to $5,000 dealer incentive) or 0% APR (up to 60 months)</p> <p>&bull; 2010 Chevrolet Impala: $4,000 cash back (up to $5,000 dealer incentive) or 0% APR (up to 72 months)</p> <p>&bull; 2010 Nissan Altima Hybrid: $4,500 cash back or 0% APR (up to 60 months)</p> <p>&bull; 2010 BMW 650i: $12,500 dealer incentive and 0.9% APR (up to 72 months)</p> <p>&bull; 2010 BMW 5 Series (includes M5): $4,500-$7,000 dealer incentive and 0.9% APR (up to 60 months)</p> <p>&bull; 2010 Infiniti FX35, FX50: $4,000-$7,000 dealer incentive, 0.9% APR (up to 60 months)</p> <p>&bull; 2010 Lincoln Navigator: $3,500 cash back ($6,000 dealer incentive) or 0% APR plus $1,000 cash back for 36 months</p> <p>&bull; 2010 Volvo XC70: $2,000-$5,000 dealer incentive and 0% APR 72 months</p> <p style="text-align: center;">"Some models on this list, such as the 2010 Jeep Grand Cherokee, have been recently redesigned or received significant upgrades for 2011," Olsen said. "Other models just didn't have great sales in general, like the 2010 Chevy HHR and 2010 Infiniti FX35."<br /> <br /> </p> <p style="text-align: center;"><img alt="" src="/img/~www.ccisca.com/laborday8362.gif"> <div style="text-align: left;"></div> </img></p> &nbsp;&nbsp;&nbsp;&nbsp;<br /> <br /> Are you ready for purchasing a car? If you are, then you might as well purchase auto insurance as well! Cliff Cottam Insurance Services has free auto quotes for you today! <br /> &nbsp;<br /> Click here:<br /> <a href="http://www.ccisca.com/automobile/car_insurance_quote.aspx">http://www.ccisca.com/automobile/car_insurance_quote.aspx</a><br />urn:uuid:af2d37a1-b9ad-4ac0-94e5-862e2b77ba20Nearly six in 10 Americans favor a federal law that would impose driving restrictions on teen drivers and institute a graduated driving license system. A recent national survey from Allstate Insurance shows that support for a national graduated drive...Tue, 09 Aug 2011 15:13:37 -0500<p >Nearly six in 10 Americans favor a federal law that would impose driving restrictions on teen drivers and institute a graduated driving license system.</p> <p>A recent national survey from Allstate Insurance shows that support for a national graduated driver licensing (GDL) law corresponds with low opinions about teen driving skills, which received the lowest ranking among all ages surveyed.</p> <p>Currently, the Safe Teen and Novice Driver Uniform Protection (STANDUP) Act is pending in Congress as part of a broader bill known as Mariah&rsquo;s Law, named after an Arkansas teen killed in a crash involving texting.</p> <p>STANDUP would restrict nighttime driving, limit the number of passengers in a teen&rsquo;s car, prohibit the use of cell phones while driving, and issuance of permits and licenses with specific age requirements through a gradual, multi-phased process.</p> <p>When asked about the specific provisions included in the STANDUP Act, Americans said they favor the policies. Findings include:</p> <ul> <li>Seventy-six percent back a minimum age of 16 to receive a learner&rsquo;s permit, and 69 percent favor requiring three stages of licensing.</li> <li>Seven in 10 Americans favor restricting unsupervised nighttime driving for those under age 18, and 65 percent support restricting the number of non-family passengers for drivers under 18.</li> <li>When asked about the prohibition of cell phones or texting while driving for younger drivers, 81 percent are in favor.</li> <li>Support for STANDUP and its individual provisions crosses all age groups, geographic regions, and political affiliation.</li> </ul> <p>American drivers are highly critical of teenage drivers, giving them the lowest rating of all age groups. Eighty-one percent rate teenagers as &ldquo;average&rdquo; or &ldquo;poor&rdquo; drivers.</p> <p>&ldquo;Results from this survey show that Americans clearly understand that GDL laws can help save lives, and that a majority of them support a legislative solution that safely introduces teen drivers to the road,&rdquo; said Bill Vainisi, senior vice president and deputy general counsel, Allstate. &ldquo;What&rsquo;s needed now is national leadership in the form of uniform standards for those GDL laws.&rdquo;&nbsp; Read more:&nbsp; <a href="http://www.insurancejournal.com/news/national/2011/08/09/209951.htm">http://www.insurancejournal.com/news/national/2011/08/09/209951.htm</a><br /> <br /> <strong>I am not sure where this will go, but we have great auto rates for teenagers with good grades.&nbsp; Talk to one of our friendly CCIS agents for a fast, </strong><a href="/automobile/quick_insurance_quote.aspx"><strong>free quote </strong></a><strong>today!&nbsp;&nbsp; <span style="color: #c00000;">(800) 807-6871<br /> </span></strong></p> <p>&nbsp;</p>urn:uuid:93fd6778-bd4c-408a-a9de-a10ed5b80656We at Cliff Cottam Insurance will&nbsp;help to find you the auto&nbsp;protection&nbsp;you need if someone should steal your car.&nbsp;&nbsp;If you have cars, boats, RV&rsquo;s or homes that need insurance, we can assist you with those as well!&nbsp; ...Mon, 08 Aug 2011 19:52:06 -0500<p><strong>We at</strong><a href="/default.aspx"><strong> Cliff Cottam Insurance </strong></a><strong>will&nbsp;help to find you the auto&nbsp;protection&nbsp;you need if someone should steal your car.&nbsp;&nbsp;If you have cars, boats, RV&rsquo;s or homes that need insurance, we can assist you with those as well!&nbsp; Call us at <span style="color: #c00000;">(800) 807-6871</span> today!<br /> </strong> <br /> The most <a href="http://topics.sacbee.com/stolen+vehicles/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">stolen vehicles</a>* in the nation in 2010 were:&nbsp;</p> <ol style="list-style-type: decimal;"> <li>1994 <a href="http://topics.sacbee.com/Honda+Accord/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Honda Accord</a> </li> <li>1995 Honda Civic </li> <li>1991 <a href="http://topics.sacbee.com/Toyota+Camry/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Toyota Camry</a></li> <li>1999 Chevrolet Pickup (Full Size)</li> <li>1997 Ford 150 Series/Pickup</li> <li>2004 Dodge Ram</li> <li>2000 Dodge Caravan</li> <li>1994 Acura Integra</li> <li>2002 Ford Explorer</li> <li>1999 Ford Taurus</li> </ol> <br /> Read more: <a href="http://www.sacbee.com/2011/08/04/3817299/new-report-finds-2000-honda-civic.html#ixzz1UUKlLWYG" style="color: #003399;">http://www.sacbee.com/2011/08/04/3817299/new-report-finds-2000-honda-civic.html#ixzz1UUKlLWYG</a><br /> <br />urn:uuid:2c689a20-66f1-4620-908a-234f327e5326<img src='http://www.e-wisdom.com/i3/s.gif' align='left' />Becoming licensed to drive is a high priority for most teenagers. Driving a car fulfills their need to transition from child to adult, sort of. Unfortunately, with all the cars on the road today, teenagers are &ldquo;accident prone.&rdquo; Accident s...Mon, 08 Aug 2011 18:54:42 -0500<p>Becoming licensed to drive is a high priority for most teenagers. Driving a car fulfills their need to transition from child to adult, sort of. Unfortunately, with all the cars on the road today, teenagers are &ldquo;accident prone.&rdquo;</p> <h2>Accident statistics paint a graphic picture</h2> <p>Our future leaders have a woeful driving record when they&rsquo;re first licensed. Their inexperience behind the wheel and on the roadways appears to result in disturbing numbers of auto accidents.</p> <p>A troubling statistical example: Auto accidents are the leading cause of death in young people ages 15 through 20. Another statistic displays the value of more maturity and driving experience: 16-year olds are three times more likely to have an auto accident than 19-year olds. Teenage drivers age 16 are involved in around 35 accidents per million miles driven, while 19-year olds get into approximately 12 auto crashes per million miles.</p> <p>These results &ndash; and many other statistics &ndash; generate increases of <i>50 percent to 200 percent</i> in your insurance premiums the moment you add your teenage driver to your auto policy. When you compare insurance quotes, you may suffer &ldquo;sticker shock&rdquo; at first. Auto insurance rates spike regardless of your own stellar driving record, insurance company, or coverage levels.</p> <p>While it still makes sense to compare auto insurance rates to find the best option, all major companies base their insurance quotes on these statistics. Even if your teenager appears to be more focused, careful, and conservative than his/her peers, you will pay a steep price for the first driving years. You can, however, save some money with auto insurance quotes by learning the conditions that <i>lower premiums</i>.&nbsp;</p> <h2>How to reduce the cost of insuring your teenage driver&nbsp;</h2> <p><strong>Learn how your insurance company matches household drivers and autos.</strong></p> <p>This factor could <i>save </i>you or <i>cost </i>you hundreds of dollars per year. If you have two cars and three drivers, your insurance company may or may not assign your teenager as the driver of the more expensive auto. Insist that your child be assigned to the less expensive (to buy AND repair) car. Tell them that he/she is not permitted to use the new Jaguar, but must drive the 6-year old Ford. In some cases, it&rsquo;s cheaper to buy your teenager an old &ldquo;beater.&rdquo;</p> <p><strong>Be sure your teenager completes a &ldquo;Driver&rsquo;s Ed&rdquo; course.</strong></p> <p>You should save between <i>five</i> percent and <i>15</i> percent, even though statistics don&rsquo;t indicate that these courses reduce the volume of teenage accidents.</p> <table align="right" border="0" cellspacing="0" cellpadding="0"> <tbody> <tr valign="top"> <td style="width: 3px;"><img alt="" width="3" height="1" style="border-width: 0px; border-style: solid;" src="http://www.e-wisdom.com/i3/s.gif"></img></td> <td><img width="250" height="166" title="Lending your car can bring auto insurance concerns" style="border-width: 1px; border-style: solid; float: right;" alt="Cost-effective ways to insure a teenage driver" src="http://www.e-wisdom.com/news/i/110230016b.jpg"></img></td> </tr> <tr valign="top"> <td colspan="2"><img alt="" width="1" height="3" style="border-width: 0px; border-style: solid;" src="http://www.e-wisdom.com/i3/s.gif"></img></td> </tr> </tbody> </table> <p><strong>Strongly urge your teenager to maintain a &ldquo;B&rdquo; average in high school.</strong></p> <p>While everyone loves the safety and features of new cars, the costs to insure many models are another source of insurance quotes shock. You can often save hundreds of dollars per year matching your new driver with an older vehicle.&nbsp; Read more:&nbsp; <a href="http://www.e-wisdom.com/news/insurance/auto-insurance/cost-effective-ways-to-insure-a-teenage-driver-110230016/">http://www.e-wisdom.com/news/insurance/auto-insurance/cost-effective-ways-to-insure-a-teenage-driver-110230016/</a><br /> <br /> <strong><em>Mercury Insurance offers discounts for teens as well as&nbsp;car safety discounts. Talk to one of our</em></strong><a href="http://www.ccisca.com/contact.aspx"><strong><em> CCIS agents </em></strong></a><strong><em>today and ask for a </em></strong><a href="http://www.ccisca.com/automobile/quick_insurance_quote.aspx"><strong><em>free rate quote</em></strong></a><strong><em>. At Mercury Insurance, our low rates are just the beginning.</em></strong></p>urn:uuid:766cfaff-0dbf-4ccf-a2b4-f3ffe1c30c2bThank you to Business Product Management for writing this very informative article.&nbsp; Finding the best auto insurance rates in Sacramento is a big deal, specially in today's economy. Everybody desires to get the finest automobile insurance rate...Sun, 07 Aug 2011 11:49:08 -0500<p>Thank you to Business Product Management for writing this very informative article.&nbsp; <br /> <br /> Finding the best auto insurance rates in Sacramento is a big deal, specially in today's economy. Everybody desires to get the finest automobile insurance rates and for that we will constantly search for the very best auto insurance business. With the advent of on the web insurance quote generators, many of us will shop distinct insurance businesses on our own. Unfortunately, this typically does NOT lead to us locating the very best rates for auto insurance as there are A lot of aspects which can influence the expense of our auto insurance policies. This is why it is essential to seek out a licensed and reputable insurance agent. A excellent car insurance agency will not only shop the finest rates for your auto insurance, but also advise you as to the diverse alternatives available. You may believe that by purchasing inexpensive insurance you will get much less protection but this is merely not true. Certain insurance businesses offer you the very same high quality protection at lower costs. A top auto insurance agent can Discover THOSE Companies FOR YOU! Preserve the following points in mind the subsequent time you shop for auto insurance in Sacramento:</p> <p>Depending on your vehicle and scenario, it might be much better for you to go with the minimum required liability coverage. As lengthy as you are comfy with the minimum amount of coverage, you will be able to save a important amount of money on your car insurance policy.</p> <p>Insurance firms often check your past driving record so it is constantly better to stay away from claims for unnecessary or minor repairs. If you submit an insurance claim for minor repairs such as a light scratch to the paint or a minor ding on the bumper, it will not only boost your existing rate, but also impact future rates provided. Several times the expense of a minor repair will be less than your deductible and by paying for this repair without submitting a claim will save you income in the long run. Claims against your insurance policy stay active on your record for three-5 years.</p> <p>To get the very best automobile insurance rates in Sacramento, it is also far better to consider getting a vehicle that requires less insurance coverage. A lot of of us do not believe about the price of insurance at the time of purchasing a vehicle. It is always excellent practice to think about your current auto insurance organization rates Prior to acquiring a new car so you get an thought of the expense of insurance on a particular automobile. This will save you income and give you a far better concept of what you can and can not afford.</p> <p>A lot of automobile insurance organizations think that the younger the driver the higher the risk and, consequently, these companies charge a greater premium to them. In order to get the very best automobile insurance policy for you in this case, your very best bet is to preserve a clean driving record and drive defensively!</p> <p>The duration of your insurance policy can also assist save you cash. If you sign a 12-month auto insurance policy you will save more compared to a quarterly or six-month policy. Many insurance firms will also supply discounts for policies paid in full up front.</p> <p>Hire A QUALIFIED AND Skilled AUTO INSURANCE AGENT!&nbsp; Read more: <a href="http://ndongoproductions.com/2011/08/how-to-get-the-very-best-automobile-insurance-policy-for-your-budget/">http://ndongoproductions.com/2011/08/how-to-get-the-very-best-automobile-insurance-policy-for-your-budget/</a><br /> <br /> <strong><em>Why not let&nbsp;CCIS save you time by having&nbsp;one of our friendly agents shop the insurance markets for you?&nbsp; CCIS will help you to get all the discounts you are qualified to receive.&nbsp; Combining or bundling your auto, home, or&nbsp; rental insurance,&nbsp;will give you additional discounts.&nbsp;</em></strong><a href="/contact.aspx"><strong><em> Contact us </em></strong></a><strong><em>at <span style="color: #c00000;">(800) 807-6871</span> for a <a href="/automobile/car_insurance_quote.aspx">free quote </a>today!<br /> </em></strong></p>urn:uuid:ce026cb0-7a9d-44fb-b509-952b3910b2ee<img src='http://i322.photobucket.com/albums/nn418/mmcwilliams_bucket/114034v2v1.jpg' align='left' /> As Independent Agents we represent a carefully selected group of financially sound, reputable insurance companies. We are proud to have been chosen by Dave Ramsey as an "Endorsed Local Provider" for insurance products. Dave is a well known and...Sun, 07 Aug 2011 10:57:32 -0500<h2 style="text-align: center;"><em><img alt="" class="media" id="fullSizedImage" style="width: 338px; height: 168px;" src="http://i322.photobucket.com/albums/nn418/mmcwilliams_bucket/114034v2v1.jpg" GALLERYIMG="no"></img> <div style="text-align: left;"></div> </em></h2> <em> </em> <h2><span style="color: #3f3151; font-size: 13px;"><em>As Independent Agents we represent a carefully selected group of financially sound, reputable insurance companies. We are proud to have been chosen by Dave Ramsey as an "Endorsed Local Provider" for insurance products. <br /> <br /> Dave is a well known and highly respected financial guru. He has taught financial principles to millions via radio, books, Financial Peace University, live events and online.&nbsp; Begin your journey to financial peace for a chance to win his online course - - <span style="color: #c00000;">valued at $99!</span>&nbsp; </em><a href="http://www.daveramsey.com/fpu/online/ictid/fpo_cl/"><em>http://www.daveramsey.com/fpu/online/ictid/fpo_cl/</em></a><br /> <em> <br /> <br /> <br /> </em></span></h2> <span style="font-size: 16px;"> </span><span style="font-size: 16px;"> <em><strong>It's easy to enter - - just &ldquo;Like&rdquo; Cliff Cottam Insurance Services on Facebook </strong></em></span><a href="http://www.facebook.com/fbccisca?v=app_4949752878#!/fbccisca?sk=app_10467688569"><span style="font-size: 16px;"><em><strong>http://www.facebook.com/fbccisca?v=app_4949752878#!/fbccisca?sk=app_10467688569</strong></em></span></a><span style="font-size: 16px;"><em><strong>.&nbsp; <br /> <br /> </strong></em> <strong><em>The winner will receive a 16-week membership valued at $99.&nbsp; Here is what you will&nbsp;receive:<br /> <br /> &bull; All 13 video-based lessons from Dave's Financial Peace University.<br /> &bull; Powerful online budgeting software (trial).<br /> &bull; Community forums and chats.<br /> &bull; Downloadable workbook, budgeting forms, and MP3 audio.<br /> <br /> <span style="color: #c00000;">Refer your friends to 'Like' us for more chances to win!</span></em></strong> </span> <p><span style="font-size: 16px;">&nbsp;</span></p> <span style="font-size: 16px;"> <strong><span style="font-size: 13px;"><a href="/category.aspx?id=MISC1"><strong><span style="font-size: 13px;">Official Rules </span></strong></a>apply to this giveaway.<br /> </span></strong> </span> <br /> <br /> <br />urn:uuid:5df1e216-a87f-4436-94b9-2e19583447ed<img src='http://www.insurancewebsitebuilder.com/img/~www.ccisca.com/imagesCAWKX0KC.jpg' align='left' />SacBee is trying to help us fireproof our homes for this summer and the upcoming fall 2011. Try to go through with these helpful hints for fireproofing your home! DEFENSIBLE SPACE Maintain "defensible space" of 100 feet around your home by cleaning ...Wed, 03 Aug 2011 14:58:36 -0500<p>SacBee is trying to help us fireproof our homes for this summer and the upcoming fall 2011. Try to go through with these helpful hints for fireproofing your home!<br /> <br /> DEFENSIBLE SPACE</p> <p>Maintain "defensible space" of 100 feet around your home by cleaning up dead branches, leaves and needles and watering regularly. Clean dead leaves and pine needles from the roof and gutters. Cut weeds and grasses to 6 inches or shorter. Remove lower tree branches at least 6 feet from the ground so fire can't climb up. </p> <p> As part of your defensible space, reduce ground cover height to less than 12 inches within 30 feet of your home and less than 18 inches within 100 feet.</p> <p>Clear flammable vegetation at least 10 feet from roads and 5 feet from driveways.</p> <p>PICK PLANTS THAT SAVE WATER, FIGHT FIRES</p> <p>Some plants - particularly several California natives and succulents - are not only drought-tolerant but fire-resistant, too. These plants tend to have a low sap or resin content and grow close to the ground without accumulating dead branches, needles or leaves. That also makes them easier to maintain and prune.</p> <p>Stack woodpiles at least 30 feet from any structure. Remove all vegetation within 10 feet of the pile.</p> <p>YARD TIPS</p> <p>Keep your garden hose connected to the water spigot throughout the <a href="http://topics.sacbee.com/fire+season/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">fire season.</a> ¦ Never prune near <a href="http://topics.sacbee.com/power+lines/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">power lines.</a> Call your local <a href="http://topics.sacbee.com/utility+company/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">utility company</a> first.</p> <p>When mowing, always work early in the morning. Make sure power tools have spark arresters to prevent equipment-caused fires.</p> <p>PREPARING STRUCTURES</p> <p>Cover your chimney outlet and stovepipe with nonflam- mable 1/2-inch mesh screen. Remove branches 10 feet from all chimneys.</p> <p>Make sure your house number is clearly visible from the road. Use 4- to 6-inch reflective numbers to mark your address.</p> <p>Keep driveways clear and accessible to fire engines. Remember, they are at least twice as big as a car. </p> <p>Keep the following tools ready and handy: a round-point shovel with a long handle, a rake with a long handle, a ladder tall enough to reach the roof, one or more 5-pound fire extinguishers, at least one bucket and a garbage can full of water with a bailing bucket. </p> <p>Locate all fire hydrants in your neighborhood.</p> <p>FLAMMABLES </p> <p>Soak fireplace ashes or barbecue coals in water before disposing of them.</p> <p>Store gasoline only in an approved container away from any occupied buildings. </p> <p>EVACUATION </p> <p>During a wildfire, if you think you should evacuate, it's OK to leave before you're asked by law enforcement or the fire department. </p> <p>When asked to leave, do so immediately. The safety of your family and the lives of firefighters who need to focus on the fire depend on your getting to safety.</p> <br /> <br /> Read more: <a href="http://www.sacbee.com/2011/08/02/3810289/fire-season-2011-fireproofing.html#ixzz1TzmG0gal" style="color: #003399;">http://www.sacbee.com/2011/08/02/3810289/fire-season-2011-fireproofing.html#ixzz1TzmG0gal</a><br /> <p style="text-align: center;">&nbsp;</p> <p style="text-align: center;"><img alt="" width="240" height="153" style="width: 240px; height: 169px;" src="http://www.insurancewebsitebuilder.com/img/~www.ccisca.com/imagesCAWKX0KC.jpg"></img></p> <div style="text-align: center;"> </div> <br /> <br /> Need home insurance? Visit our home insurance site for more help with getting a free quote! Click here: <a href="http://www.ccisca.com/homeowners/insurance_quote.aspx">http://www.ccisca.com/homeowners/insurance_quote.aspx</a><br />urn:uuid:954809e0-bb49-4aa7-961e-90a907995f2b<img src='http://www.ccisca.com/img/~www.ccisca.com/Roseville-Car-Accident-Attorneys.jpg' align='left' />&nbsp;&nbsp;&nbsp;&nbsp;Last week the Sac Bee wrote an article about a student driver mistaking the gas pedal for the brakes and rammed into the Roseville DMV office wall. "You may chuckle. The DMV isn't. This is the third time in recent years a rook...Tue, 02 Aug 2011 15:57:22 -0500<p>&nbsp;&nbsp;&nbsp;&nbsp;Last week the Sac Bee wrote an article about a student driver mistaking the gas pedal for the brakes and rammed into the Roseville DMV office wall.</p> <p>"You may chuckle. The <a href="http://topics.sacbee.com/dmv/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">DMV</a> isn't. This is the third time in recent years a rookie driver has hit and damaged a field office, DMV spokesman <a href="http://topics.sacbee.com/Mike+Marando/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Mike Marando</a> said. </p> <p> We can guess what's happening. Parents and driving schools sometimes take student drivers to the local DMV office after-hours as part of a dry run for their upcoming driving exam.</p> <p>Marando said the DMV discourages people from using its property for practice &ndash; and will seek reimbursement from anyone who damages property.</p> <p>It brings up another question: Is it right for a driving school to take students for practice drives on suspected DMV driver test routes?</p> <p>Local driving school owner Henning Mortenson says no way, that's plain cheating. DMV's Marando, however, says the agency doesn't really mind. Each field office has several test routes, he said, so a student can't be sure which route he will be told to take.</p> <p>But Marando has a warning for teens and parents who sometimes take the driving exam at a field office away from their neighborhood on the belief that the test is easier to pass.</p> <p>It may not be true, if it takes you to an unfamiliar area where the streets are designed a little differently from those you're accustomed to driving."</p> <p > Read more: <a href="http://www.sacbee.com/2011/08/01/3807506/back-seat-driver-roseville-dmv.html#ixzz1TuJAMrxt" style="color: #003399;">http://www.sacbee.com/2011/08/01/3807506/back-seat-driver-roseville-dmv.html#ixzz1TuJAMrxt</a><br /> <br /> </p> <p style="text-align: center;"><img alt="" src="/img/~www.ccisca.com/Roseville-Car-Accident-Attorneys.jpg"> <div style="text-align: left;"></div> </img></p> <p > <br /> Get yourself or your teenager the right auto insurance that they need! Get an instant quote today from Cliff Cottam Insurance Services by clicking here: <a href="http://www.ccisca.com/automobile/car_insurance_quote.aspx">http://www.ccisca.com/automobile/car_insurance_quote.aspx</a></p>urn:uuid:bfd9c56a-4680-4829-9b30-4351e5c24d5dSACRAMENTO, CA (July 31, 2011) - An estimated 9,000 people cheered on a star-studded AMA Pro Harley-Davidson Insurance Flat Track field when the championship returned to the Cal-Expo Fairground's Sacramento Mile, and the sold-out, standing-room-only ...Mon, 01 Aug 2011 20:20:39 -0500<p>SACRAMENTO, CA (July 31, 2011) - An estimated 9,000 people cheered on a star-studded AMA Pro Harley-Davidson Insurance Flat Track field when the championship returned to the Cal-Expo Fairground's Sacramento Mile, and the sold-out, standing-room-only crowd was treated to one of the most dramatic wins in recent history. After twenty-five furious laps, Fasthog.com/American Harley-Davidson&rsquo;s Bryan Smith claimed victory over local hero Chris Carr (American Motorcyclist Association/Classic Harley-Davidson) by a margin of just .042 seconds.</p> <p>&ldquo;Nobody is more surprised than me,&rdquo; said a joyful Smith after running down early leaders Carr and Jake Johnson (Zanotti Racing). &ldquo;I thought Chris was just playing with me -- it seemed like he could pass me any time he wanted to. He has that &lsquo;Tolbert Horsepower,&rsquo; you know.&rdquo;</p> <p>Carr led the eighteen-rider field into Turn 1, but had fallen back to third by the ... read more: <a href="http://amaproracing.com/ft/news/index.cfm?cid=44337">http://amaproracing.com/ft/news/index.cfm?cid=44337</a><br /> <br /> <strong>If you have a motorcycle and want a </strong><a href="/motorcycle/insurance_quote.aspx"><strong>free motorcycle quote</strong></a><strong>, contact a </strong><a href="/contact.aspx"><strong>Cliff Cottam Insurance Services Agent </strong></a><strong>to find out if we can save you money!&nbsp; (800) 807-6871 <br /> </strong></p>urn:uuid:fdad3819-0987-4ddd-bbfb-65ba962668f9<img src='http://www.ccisca.com/img/~www.ccisca.com/imagesCACGPZEX.jpg' align='left' />&nbsp;According to InsuranceNewNets.com, The California Housing Finance Agency announced today that Bank of America is participating in Keep Your Home California&rsquo;s Principal Reduction Program, giving eligible cash-strapped homeowners the opport...Thu, 28 Jul 2011 18:11:39 -0500<p><location value="LU/us.ca.sacmto" idsrc="xmltag.org" />&nbsp;According to InsuranceNewNets.com, The <a href="http://cts.businesswire.com/ct/CT?id=smartlink&amp;url=http%3A%2F%2Fwww.calhfa.ca.gov&amp;esheet=6809063&amp;lan=en-US&amp;anchor=California+Housing+Finance+Agency&amp;index=1&amp;md5=4f9795cbd3920b200ce61137e8606eb9"><org />California Housing Finance Agency</a> announced today that Bank of America is participating in <a href="http://cts.businesswire.com/ct/CT?id=smartlink&amp;url=http%3A%2F%2Fwww.keepyourhomecalifornia.org&amp;esheet=6809063&amp;lan=en-US&amp;anchor=Keep+Your+Home+California%27s&amp;index=2&amp;md5=e2f2759b3fa94595f658e1d8120d6ffc">Keep Your Home California&rsquo;s</a> Principal Reduction Program, giving eligible cash-strapped homeowners the opportunity to lower their outstanding mortgage balances and avoid foreclosure. </p> <p>Keep Your Home California&rsquo;s Principal Reduction Program is part of a <money />$2 billion, federally funded effort to help hard-hit families remain in their homes and ease the <location value="LS/us.ca" idsrc="xmltag.org" />California foreclosure crisis. Bank of America has been engaged in a pilot of the principal reduction program since February, and is now moving into full participation to provide assistance to more qualified homeowners facing hardship. The bank is one of the largest servicers of single family mortgages in <location value="LS/us.ca" idsrc="xmltag.org" />California, serving more than 2.2 million home loans. </p> <p>&ldquo;We&rsquo;re excited to have <person />Bank America on board for one more of the Keep Your Home California Programs,&rdquo; said <person />Claudia Cappio , Executive Director for the <org />California Housing Finance Agency. &ldquo;We believe principal reduction can be an appropriate tool for helping qualified homeowners obtain an affordable and sustainable modification. We continue to work with other mortgage servicers to offer this to their customers.&rdquo; </p> <p>The Principal Reduction Program assists homeowners at risk of default because of an economic hardship coupled with a severe decline in the home&rsquo;s value. Principal balances will be reduced in an effort to prevent avoidable foreclosures and promote sustainable homeownership. Homeowners that qualify could be eligible for up to <money />$50,000 in assistance from the Keep Your Home California program. </p> <p>Additionally, the Principal Reduction Program requires the mortgage investor to match dollar-for-dollar the amount provided by the Keep Your Home California program. For example, if the Keep Your Home program is providing <money />$50,000 in principal reduction, the mortgage investor must match that <money />$50,000 reduction, for a total principal reduction of <money />$100,000. </p> <p>Under the program, borrowers whose loans are serviced by Bank of America may be eligible if they meet program guidelines and the entity or investor that owns the mortgage loan authorizes the servicer to reduce the principal. <br /> <br /> All in all, Keep Your Home California has received almost <money />$2 billion from the <org />U.S. Treasury Department. After consulting with community leaders statewide, four programs were established to assist low and moderate income homeowners.</p> <p style="text-align: center;"><img alt="" src="/img/~www.ccisca.com/imagesCACGPZEX.jpg" /> <div style="text-align: left;"></div> </p> <p style="text-align: center;">Need home insurance? Contact Cliff Cottam Insurance Services today and we will do all the shopping for you! Check out the link below for more about Homeowners Insurance.<br /> <br /> <a href="http://www.ccisca.com/homeowners/default.aspx">http://www.ccisca.com/homeowners/default.aspx</a></p>urn:uuid:48a9cde0-ba9c-4559-adbb-e61bbb138692<img src='http://www.ccisca.com/img/~www.ccisca.com/images.jpg' align='left' />&nbsp;&nbsp;&nbsp;&nbsp;According to the Los Angeles Times, "Bob Brickman spent months fighting a ticket he got last fall from a red light traffic camera at Wilshire and Sepulveda Boulevards in West Los Angeles.&nbsp; Eventually he&nbsp;got&nbsp;fed ...Wed, 27 Jul 2011 16:59:22 -0500&nbsp;&nbsp;&nbsp;&nbsp;According to the Los Angeles Times, "Bob Brickman spent months fighting a ticket he got last fall from a red light traffic camera at Wilshire and Sepulveda Boulevards in West Los Angeles.&nbsp; Eventually he&nbsp;got&nbsp;fed up with the law and paid the&nbsp;$476 dollar fine. Little did he know that he actually did not need to pay the fine because paying the fee for running a red light is actually voluntary! <br /> <br /> <br /> "City officials this week spotlighted a surprising revelation involving red-light camera tickets: Authorities cannot force violators who simply don't respond to pay them. For a variety of reasons, including the way the law was written, Los Angeles officials say the fines for ticketed motorists are essentially "voluntary" and there are virtually no tangible consequences for those who refuse to pay.<br /> <br /> The disclosure comes as the city is considering whether to drop the controversial photo enforcement program, with the City Council scheduled to vote on the matter Wednesday. Even if the program is shut down, it will be little consolation to the tens of thousands like Brickman who already paid fines."<br /> <br /> "Now that makes me nuts," said Brickman, who is unemployed. "That makes me want to go get a refund, but I've been around long enough to know that's not going to happen. It's very frustrating to know that I was victimized by something that they think is not useful or a good idea.&hellip; I could truly use that $476."<br /> <br /> Councilman <a href="http://www.latimes.com/topic/politics/paul-koretz-PEPLT003650.topic" title="Paul Koretz" class="taxInlineTagLink" id="PEPLT003650">Paul Koretz</a> said motorists like Brickman should not expect refunds. But he said the city's inability to collect on the red-light camera tickets underscores the need to kill the program.<br /> <br /> "There are many, many reasons to get rid of the red-light cameras, but one of the most compelling is the way the court system handles the tickets," Koretz said.<br /> <br /> More than 180,000 motorists have been issued red-light camera tickets since the program, which has equipment monitoring approaches to 32 intersections, began in 2004 in Los Angeles.<br /> <br /> Unlike other moving citations, which are issued directly by a police officer to a driver who signs a promise to appear in court, red-light camera tickets are mailed to the registered owner of the vehicle allegedly involved in the violation.<br /> <br /> That has limited the Los Angeles County Superior Court system's willingness to aggressively enforce camera ticket collections for the city and 32 other photo enforcement programs in Los Angeles County, officials said.<br /> <br /> <p style="text-align: center;"><img alt="" width="267" height="188" src="/img/~www.ccisca.com/images.jpg" /> <div style="text-align: left;"></div> </p> <br /> <hr /> <br /> <br /> If this does ever happen to you, we can shop around for your auto insurance! Contact us today for a free auto quote! <br /> <a href="http://www.ccisca.com/contact.aspx">http://www.ccisca.com/contact.aspx</a>urn:uuid:4fd8e454-92bc-429c-9ac5-8c452c1efa10 By Rick Daysog of the Sacramento Bee Home prices in the Sacramento region keep dropping, but rents are creeping up.&nbsp; The result: In many neighborhoods, it doesn't cost much more to own a house than to rent an apartment, and often it costs less...Wed, 27 Jul 2011 00:32:04 -0500<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p><span style="font-size: 10px;">By Rick Daysog of the Sacramento Bee</span><a href="http://topics.sacbee.com/Home+prices/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FHome%2Bprices%2F"><br /> <br /> Home prices</a> in the Sacramento region keep dropping, but rents are creeping up.&nbsp; The result: In many neighborhoods, it doesn't cost much more to own a house than to rent an apartment, and often it costs less.</p> <p>These shifting economics pushed Brent Pierce, 35, to buy his first house last August. Pierce, an analyst with <a href="http://topics.sacbee.com/Franklin+Templeton+Investments/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FFranklin%2BTempleton%2BInvestments%2F">Franklin Templeton Investments</a> in <a href="http://topics.sacbee.com/Rancho+Cordova/" class=" lingo_link" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FRancho%2BCordova%2F">Rancho Cordova,</a> paid $185,000 for a <a href="http://topics.sacbee.com/Citrus+Heights/" class=" lingo_link" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FCitrus%2BHeights%2F">Citrus Heights</a> house that was bigger than his old apartment &ndash; plus it had a yard and a hot tub. </p> <p>His $1,300 monthly <a href="http://topics.sacbee.com/mortgage+payment/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Fmortgage%2Bpayment%2F">mortgage payment</a> is just $100 more than he paid in rent.</p> <p>"That's the big reason I decided to buy," he said.</p> Read more: <a href="http://www.sacbee.com/2011/07/23/3788812/home-ownership-in-sacramento-area.html#ixzz1THRCKcYg" style="color: #003399;">http://www.sacbee.com/2011/07/23/3788812/home-ownership-in-sacramento-area.html#ixzz1THRCKcYg</a><br /> <br /> <strong><em>Get an Instant Free <a href="/homeowners/insurance_quote.aspx">Home </a>or&nbsp;<a href="/renters/insurance_quote.aspx">Renters</a> Quote from one of our friendly agents! </em></strong><a href="/contact.aspx"><strong><em>Cliff Cottam Insurance Services </em></strong></a><strong><em>will shop multiple insurance company rates to find you the best price!<br /> <br /> </em></strong></div>urn:uuid:5697e538-a015-40ac-804f-e9569b6d7119By Tony Bizjak tbizjak@sacbee.com When you are out on the road today and the guy in the next lane cuts you off and the slow driver ahead is talking on a cellphone, take a deep breath and wrap your mind around this amazing but true trend: Driving in ...Mon, 25 Jul 2011 11:05:12 -0500<p >By <a href="http://www.sacbee.com/search_results/?sf_pubsys_story_byline=Tony Bizjak&amp;link_location=top" title="Read more articles by Tony Bizjak">Tony Bizjak</a><br /> <a href="mailto:tbizjak@sacbee.com">tbizjak@sacbee.com</a><br /> <br /> When you are out on the road today and the guy in the next lane cuts you off and the slow driver ahead is talking on a cellphone, take a deep breath and wrap your mind around this amazing but true trend:</p> <p>Driving in California has never been safer.</p> <p><a href="http://topics.sacbee.com/Traffic+Safety/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Traffic safety</a> officials released data last week showing that fatalities dropped last year for the fifth year in a row. Injuries are expected to be down as well. </p> <p> But the real story is in fatality <i>rates</i> per miles traveled. Those have been dropping consistently for many decades and hit all-time lows in 2009. Safety officials expect them to be down more when 2010 data arrive.</p> <br /> <br /> Read more: <a href="http://www.sacbee.com/2011/07/25/3791616/back-seat-driver-believe-it-or.html#ixzz1T8KLxJBS" style="color: #003399;">http://www.sacbee.com/2011/07/25/3791616/back-seat-driver-believe-it-or.html#ixzz1T8KLxJBS</a><br /> <br /> <strong>Whatever the reasons, everyone needs to be protected when out on the roads.&nbsp; we are here to shop multiple insurance companies to find your the lowest rates and the&nbsp;best coverage for your personal situation.&nbsp; Just give us a call or complete our online<a href="/automobile/quick_insurance_quote.aspx"> auto quote form </a>today! (800) 807-6871<br /> </strong>urn:uuid:c652507a-ad86-4cb5-ac1c-cdb8b4699f66 By Rick Daysog rdaysog@sacbee.com Home prices in the Sacramento region keep dropping, but rents are creeping up. The result: In many neighborhoods, it doesn't cost much more to own a house than to rent an apartment, and often it costs less. These s...Mon, 25 Jul 2011 10:56:45 -0500<p><a href="http://get.lingospot.com/link/?@li2=3119&amp;is_lhid=1&amp;key=ATPUCNWCXV&amp;portal_key=3_Sacbee&amp;ps_id=zIf1Shpoie&amp;q=QQ:lqOTqjptCQZ7{ADPB[DORJJOZBZOHPZVOqptJ:pnCBOqmj_J:pnCIO4aJm8CGGPBRA:ADDHKVV&amp;section_key=&amp;site_id=&amp;url=http%3A%2F%2Ftopics.sacbee.com%2FHome%2Bprices%2F&amp;url_key=_TaCSO0CAP@ZZ{HGBK&amp;v=1&amp;~boot=1311608740036" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow"> By </a><a href="http://www.sacbee.com/search_results/?sf_pubsys_story_byline=Rick Daysog&amp;link_location=top" title="Read more articles by Rick Daysog">Rick Daysog</a><a href="http://get.lingospot.com/link/?@li2=3119&amp;is_lhid=1&amp;key=ATPUCNWCXV&amp;portal_key=3_Sacbee&amp;ps_id=zIf1Shpoie&amp;q=QQ:lqOTqjptCQZ7{ADPB[DORJJOZBZOHPZVOqptJ:pnCBOqmj_J:pnCIO4aJm8CGGPBRA:ADDHKVV&amp;section_key=&amp;site_id=&amp;url=http%3A%2F%2Ftopics.sacbee.com%2FHome%2Bprices%2F&amp;url_key=_TaCSO0CAP@ZZ{HGBK&amp;v=1&amp;~boot=1311608740036" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow"><br /> </a><a href="mailto:rdaysog@sacbee.com">rdaysog@sacbee.com</a><a href="http://get.lingospot.com/link/?@li2=3119&amp;is_lhid=1&amp;key=ATPUCNWCXV&amp;portal_key=3_Sacbee&amp;ps_id=zIf1Shpoie&amp;q=QQ:lqOTqjptCQZ7{ADPB[DORJJOZBZOHPZVOqptJ:pnCBOqmj_J:pnCIO4aJm8CGGPBRA:ADDHKVV&amp;section_key=&amp;site_id=&amp;url=http%3A%2F%2Ftopics.sacbee.com%2FHome%2Bprices%2F&amp;url_key=_TaCSO0CAP@ZZ{HGBK&amp;v=1&amp;~boot=1311608740036" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow"><br /> <br /> Home prices</a> in the Sacramento region keep dropping, but rents are creeping up.</p> <p>The result: In many neighborhoods, it doesn't cost much more to own a house than to rent an apartment, and often it costs less.</p> <p>These shifting economics pushed Brent Pierce, 35, to buy his first house last August. Pierce, an analyst with <a href="http://topics.sacbee.com/Franklin+Templeton+Investments/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Franklin Templeton Investments</a> in <a href="http://topics.sacbee.com/Rancho+Cordova/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Rancho Cordova,</a> paid $185,000 for a <a href="http://topics.sacbee.com/Citrus+Heights/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Citrus Heights</a> house that was bigger than his old apartment &ndash; plus it had a yard and a hot tub. </p> <p> His $1,300 monthly <a href="http://topics.sacbee.com/mortgage+payment/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">mortgage payment</a> is just $100 more than he paid in rent."That's the big reason I decided to buy," he said.<br /> <br /> Read more: <a href="http://www.sacbee.com/2011/07/23/3788812/home-ownership-in-sacramento-area.html#ixzz1T8HWiDmJ" style="color: #003399;">http://www.sacbee.com/2011/07/23/3788812/home-ownership-in-sacramento-area.html#ixzz1T8HWiDmJ</a><br /> <br /> If you are looking to find the lowest homeowners &nbsp;insurance, why not let a<a href="/default.aspx"> Cliff Cottam Insurance Agent </a>shop multiple insurance companies to find the best coverage at the lowest rates?&nbsp; We are here to help you find all the discounts you are entitled to.&nbsp; Combining or bundling your auto and home will save you money.&nbsp;<a href="/contact.aspx"> Contact us </a>at (800) 807-6871 or visit us on our website.</p> <br /> <br /> <br />urn:uuid:ee267273-cbb8-4509-a617-30a550e5e5b4Some insurance companies offer low rates, but not personal service. Others provide an agent, but you pay for it with higher premiums. Why should you have to choose one or the other? Wouldn't it be great to get both? Well, you can with Mercury. We off...Tue, 19 Jul 2011 19:04:18 -0500<p>Some insurance companies offer low rates, but not personal service. Others provide an agent, but you pay for it with higher premiums. Why should you have to choose one or the other? Wouldn't it be great to get both?</p> <p>Well, you can with Mercury. We offer some of the lowest rates around and you also get your own dedicated agent when you become a Mercury customer. So have your cake and eat it, too. Choose heads AND tails. Hit AND stay. Both &mdash; because you deserve more. You deserve Mercury. </p> <h5>Low Rates</h5> <p>Mercury has been helping families like yours save money on their insurance for more than 45 years. In fact, recent surveys have shown that our customers often save hundreds or even thousands of dollars each year when they switch their auto insurance to Mercury. So what are you waiting for? Get a fast, free quote today to see how much Mercury can save you.</p> <h5>Dedicated Agents</h5> <p>At Mercury, we understand that there is no such thing as one-size-fits-all insurance. As a Mercury agent we will work with you to create a protection plan just for you. Cliff Cottam Insurance Services will find you the lowest rate, and search for discounts that could save you even more. The best part is that this personalized service and expert advice is included with every policy. So <a href="http://www.ccisca.com/contact.aspx">contact us </a>at (800) 807-6871 today! If you want to know immediately how much your auto premium will be, click on the <a href="/automobile/default.aspx">Mercury Insurance Auto </a>icon. </p>urn:uuid:847c4674-c0a5-4d9a-a91b-6348f33d8e35 By MICHELLE CONLIN and PALLAVI GOGOI AP Business Writers Mortgage&nbsp;industry employees are still signing documents they haven't read and using fake signatures more than eight months after big banks and mortgage companies promised to stop the ill...Tue, 19 Jul 2011 11:00:43 -0500<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p><a href="http://topics.sacbee.com/mortgage+industry/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Fmortgage%2Bindustry%2F"><span style="font-size: 10px;">By MICHELLE CONLIN and PALLAVI GOGOI<br /> AP Business Writers </span></a></p> <a href="http://www.sacbee.com/2011/07/18/3777729/ap-exclusive-mortgage-robo-signing.html#ixzz1SZDOrAFnMortgage" style="color: #003399;"></a>Mortgage&nbsp;industry employees are still signing documents they haven't read and using fake signatures more than eight months after big banks and mortgage companies promised to stop the illegal practices that led to a nationwide halt of home foreclosures. <p>County officials in at least three states say they have received thousands of mortgage documents with questionable signatures since last fall, suggesting that the practices, known collectively as "robo-signing," remain widespread in the industry.</p> <p>The documents have come from several companies that process mortgage paperwork, and have been filed on behalf of several major banks. One name, "Linda Green," was signed almost two dozen different ways. Read more: <a href="http://www.sacbee.com/2011/07/18/3777729/ap-exclusive-mortgage-robo-signing.html#ixzz1SZDD4Zb8" style="color: #003399;">http://www.sacbee.com/2011/07/18/3777729/ap-exclusive-mortgage-robo-signing.html#ixzz1SZDD4Zb8</a></p> <p><strong>If you are looking to have someone reevaluate your auto, home, rental property or business coverage,&nbsp;let a&nbsp;<a href="/default.aspx">Cliff Cottam Insurance </a>agent provide you with a tailored-made insurance plan.&nbsp; <a href="/contact.aspx">Contact us </a>for a free consultation today!&nbsp; <span style="font-size: 16px;">(800) 807-6871</span></strong></p> </div>urn:uuid:46bd7f3d-5a2c-4e4b-b453-0c0f4c4e91b0 Latest Q2 2011 Analysis from Kelley Blue Book's Kbb.com Shows Kia, Mini Also Bucking Loyalty Trends #scsharelink { PADDING-LEFT: 20px; BACKGROUND: url(http://media.sacbee.com/static/sacconnect/images/share-icon.png) no-repeat left center } B...Tue, 19 Jul 2011 10:41:27 -0500<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <h2 id="story_subheadline"><span style="font-size: 13px;">Latest Q2 2011 Analysis from Kelley Blue Book's Kbb.com Shows Kia, Mini Also Bucking Loyalty Trends</span></h2> <div class="share upper"> <style type="text/css"> #scsharelink { PADDING-LEFT: 20px; BACKGROUND: url(http://media.sacbee.com/static/sacconnect/images/share-icon.png) no-repeat left center } </style> <div class="facebook_like_small" style="margin-top: 6px;">By <a href="http://www.sacbee.com/search_results/?sf_pubsys_story_byline=Kelley Blue Book&amp;link_location=top" title="Read more articles by Kelley Blue Book">Kelley Blue Book</a><br /> <br /> IRVINE, Calif., July 18, 2011 -- /PRNewswire/ -- Kelley Blue Book's <a href="http://www.kbb.com/?scid=3099">www.kbb.com</a>, the leading provider of <a href="http://www.kbb.com/new-cars/?scid=3099">new car</a> and <a href="http://www.kbb.com/used-cars/?scid=3099">used car</a> information, today announces that <a href="http://kbb.com/hyundai/?scid=3145">Hyundai</a> has ousted traditional mainstays <a href="http://kbb.com/honda/?scid=3145">Honda</a> and <a href="http://kbb.com/toyota/?scid=3145">Toyota</a> to take the No. 1 spot in brand loyalty on kbb.com for Q2 2011. &nbsp;While Hyundai took the top spot in loyalty in February 2010, this marks the first time since kbb.com began tracking this data that Hyundai has held the No. 1 spot for an entire quarter.</div> </div> </div> <p>Automotive shoppers' loyalty to their respective brands has waned during the past year for the majority of vehicle makes, due to the economic downturn and consumers becoming much more aware of issues such as fuel prices, safety recalls, available vehicle options and additional models within their intended price points. &nbsp;</p> <p>While many of the auto industry's top players have found themselves struggling to retain customers, Hyundai has blazed a new trail and preserved its loyal consumer base. &nbsp;The driving factors behind this retention have been aggressive marketing campaigns combined with innovative product redesigns like the highly successful 2011 <a href="http://kbb.com/new-cars/hyundai/sonata/2011/pricing-report/?scid=3145">Sonata</a> and 2011 <a href="http://kbb.com/new-cars/hyundai/elantra/2011/pricing-report/?scid=3145">Elantra</a>. &nbsp; </p> <p>For Q2 2011, Hyundai's brand loyalty was at 52.3 percent, with Honda following at 49.7 percent ...&nbsp;&nbsp;&nbsp;&nbsp; <br /> Read more: <a href="http://www.sacbee.com/2011/07/18/3776215/hyundai-ousts-honda-toyota-to.html#ixzz1SZ8UD36e" style="color: #003399;">http://www.sacbee.com/2011/07/18/3776215/hyundai-ousts-honda-toyota-to.html#ixzz1SZ8UD36e</a><br /> <br /> <strong><a href="/links.aspx"><strong>Cliff Cottam Insurance Services </strong></a>will shop top-rated insurance companies to find the lowest rates and best coverage.&nbsp; Give us a call at (800) 807-6871 for a no obligation <a href="/automobile/quick_insurance_quote.aspx">auto quote </a>today!&nbsp; </strong></p> </div>urn:uuid:d9093005-5496-4869-a6ba-632bc0ce4fd1<img src='http://www.ccisca.com/img/~www.ccisca.com/ARCO gift card.jpg' align='left' /> Congratulations to Ethan Cisneros!&nbsp; Winner of&nbsp;Cliff Cottam Insurance Services $25 ARCO Gas Card!&nbsp; This article by Darrel Smith of the Sacramento Bee warns us that gas prices are going up again.&nbsp; &nbsp; Sacramento gas prices ro...Tue, 19 Jul 2011 10:22:02 -0500<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p><strong><br /> Congratulations to Ethan Cisneros!&nbsp; Winner of&nbsp;<a href="/default.aspx">Cliff Cottam Insurance Services </a>$25 ARCO Gas Card!&nbsp; This article by Darrel Smith of the Sacramento Bee warns us that gas prices are going up again.</strong>&nbsp;<br /> <br /> <img alt="" width="130" height="71" src="/img/~www.ccisca.com/ARCO gift card.jpg" />&nbsp;<br /> <br /> Sacramento <a href="http://topics.sacbee.com/Gas+prices/" class=" lingo_link" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FGas%2Bprices%2F">gas prices</a> rose last week, breaking a nearly three-month streak of falling prices at local pumps.</p> <p><a href="http://topics.sacbee.com/gas+prices/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Fgas%2Bprices%2F">Gas prices</a> in Sacramento rose 2.8 cents per gallon last week, finishing at $3.71 a gallon, according to price- tracking website Gasbuddy.com.</p> <p>Last week's hike broke a 10-week string of declines in <a href="http://topics.sacbee.com/gas+prices/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">gas prices,</a> but the local 2.8-cent increase was less than the 3-cent average national increase, Gasbuddy.com reported. </p> <p>The national average for a gallon of regular, unleaded gas is $3.67.&nbsp; Read more: <a href="http://www.sacbee.com/2011/07/19/3778034/rise-in-gas-price-ends-10-week.html#ixzz1SZ3uFTkT" style="color: #003399;">http://www.sacbee.com/2011/07/19/3778034/rise-in-gas-price-ends-10-week.html#ixzz1SZ3uFTkT</a></p> </div>urn:uuid:a7339a10-b3a7-47b9-b9cc-2aee433ed797<img src='http://www.americancollectors.com/SiteData/images/Video%202%20wi/f63650d7e89f73f3/Video%202%20with%20Play%20Button.jpg' align='left' /> American Collectors Insurance is the nation's leading provider of collector vehicle and collectibles insurance. American Collectors Insurance specialty programs are designed to be innovative, flexible, and immediate.They&nbsp;are proud to offer: ...Sun, 17 Jul 2011 15:38:00 -0500<div class="TextItemContainer"> <div class="Normal" id="ctl03_ctl00_ctl00_ctl00_ctl00_ctl00_ctl01_ctl00_myDataList_ctl00_ShowTextAboveImage"> <p class="cms-textitemlist-detail"><strong>American Collectors Insurance</strong> is the nation's leading provider of <a href="http://www.americancollectors.com/Content/15">collector vehicle</a> and <a href="http://www.americancollectors.com/Content/17">collectibles insurance</a>. American Collectors Insurance specialty programs are designed to be innovative, flexible, and immediate.They&nbsp;are proud to offer:</p> <div class="cms-textitemlist-detail"> <ul> <li><a href="http://www.americancollectors.com/Content/15">Classic car insurance</a> - Affordable, Agreed Value coverage for <a href="http://www.americancollectors.com/Content/15">collector cars</a>, <a href="http://www.americancollectors.com/Content/15">trucks</a> and <a href="http://www.americancollectors.com/Content/421">motorcycles</a> - any year may qualify. We also have competitive rates for <a href="http://www.americancollectors.com/Content/392">modified cars</a> (street rod, hot rod, rat rod, restomod, restorod and other customs). </li> <li><a href="http://www.americancollectors.com/Content/17">Collectibles insurance</a> - Most standard homeowner's insurance policies are not up to the task of protecting collectibles. Provide all of the collections in your household with specialized insurance. </li> <li><a href="http://www.americancollectors.com/Content/19">Towing and Labor for Collectors (TLC) Plan</a> - An economical &amp; robust emergency expense reimbursement plan, available exclusively to our policyholders! </li> <li><a href="http://www.americancollectors.com/Content/33">Collector Chronicles</a> - Dedicated to all things collectible! </li> </ul> </div> <p>Click on the&nbsp;<a href="/automobile/default.aspx">American Collectors Insurance&nbsp;</a>icon to get a free online quote today!&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </p> </div> </div> <p style="text-align: center;"><a href="http://www.americancollectors.com/Features-Benefits-for-Your-Collecting-Clients/607/"><img alt="" width="120" height="90" style="vertical-align: top;border: 0px solid;" src="http://www.americancollectors.com/SiteData/images/Video%202%20wi/f63650d7e89f73f3/Video%202%20with%20Play%20Button.jpg" /> </a></p>urn:uuid:fff7d6e1-a875-45f3-8ac5-ca9c5ac461f2<img src='http://l.yimg.com/a/i/us/re/gr/cnbc_imitation_homes.jpg' align='left' />Some builders have a specific vision in mind when designing a home. Whether they are recreating the home of someone powerful or replicating a house from TV or in the movies, some people take their inspiration seriously and make it into their everyday...Sat, 16 Jul 2011 19:58:39 -0500<p>Some builders have a specific vision in mind when designing a home. Whether they are recreating the home of someone powerful or replicating a house from TV or in the movies, some people take their inspiration seriously and make it into their everyday reality.&nbsp; In the following photos, including numerous examples suggested by Realtor.com, you&rsquo;ll see homes inspired by people, politics, and pop culture&mdash;and because most of them are for sale, you&rsquo;ll also get the stats such as price and square footage.</p> <center><a href="http://www.cnbc.com/id/43569479?__source=yahoorealestate|imitation|&amp;par=yahoorealestate"><strong>Slideshow: Imitation Homes</strong><img width="419" height="98" alt="Slideshow: Imitation Homes" src="http://l.yimg.com/a/i/us/re/gr/cnbc_imitation_homes.jpg"></img></a></center> <p>Check out these inspired imitation homes:</p> <p><strong>Inspired by the movie "Up"</strong></p> <table style="margin: 5px 1em 1em;"> <tbody> <tr> <td><img alt="" width="450" height="300" src="http://l.yimg.com/a/i/us/re/gr/imitation_homes_up_v2.jpg"></img></td> </tr> <tr> <td><small>Home inspired by Pixar's movie, "Up".<br /> Photo: bangerterhomes.com | Inset: Pixar Animation Studios</small></td> </tr> </tbody> </table> <p>&nbsp;</p> <p>Location: <a href="http://realestate.yahoo.com/Utah/Herriman/homes-for-sale" target="_blank">Herriman, Utah</a><br /> Year Built: 2011<br /> Price: not for sale<br /> Square footage: 2,800<br /> Bedrooms / baths: 4 / 3.5</p> <p>Third generation homebuilder Blair Bangerter&rsquo;s claim-to-fame inspiration came while watching the Pixar film Up, when he realized the starring house was so well planned out, it could be built in real life. After getting permission from Disney/Pixar, he set about building the fictional turn-of-the-century style house, and the results will be featured in the 65th Salt Lake Parade of Homes&mdash;with many balloons attached to the roof.</p> <p>The house is being replicated down to details like furniture and wall murals. &ldquo;Many dedicated sub-contractors and suppliers who worked on this one-of-a-kind home have enthusiastically added their expertise to get the details right,&rdquo; said Bangerter. &ldquo;More than once you could catch them using portable DVD players on the site to review how some detail looked in the movie and how it could be replicated.&rdquo;<br /> <strong><br /> Inspired by the movie "Halloween"</strong></p> <p>&nbsp;</p> <table style="margin: 5px 1em 1em;"> <tbody> <tr> <td><img alt="" width="450" height="300" src="http://l.yimg.com/a/i/us/re/gr/imitation_halloween_v2.jpg"></img></td> </tr> <tr> <td><small>Home inspired by the movie "Halloween".<br /> Photo: myershousenc.com | Inset: Compass International</small></td> </tr> </tbody> </table> <p>&nbsp;</p> <p>Location: <a href="http://realestate.yahoo.com/North_Carolina/Hillsborough/homes-for-sale" target="_blank">Hillsborough, North Carolina</a><br /> Year Built: 2009<br /> Price: undisclosed<br /> Square footage: 1,900<br /> Bedrooms / baths: 3 / 2.5</p> <p>The Myers House - North Carolina is the home of Kenny Caperton and Emily Currier. Caperton is a lifelong horror fan whose favorite slasher is Halloween (as you&rsquo;ve probably guessed). He got the idea to build this replica after seeing the real house where the movie was filmed in <a href="http://realestate.yahoo.com/California/Pasadena/homes-for-sale" target="_blank">Pasadena, Calif.</a>, while he was house-hunting. They drew up a plan to recreate the house without the aid of the original blueprints. However, they didn&rsquo;t duplicate the 1970s d&eacute;cor and appliances of the original film, instead opting for a rustic / Victorian interior style with vintage Halloween items and memorabilia as accent pieces. Oh, and the Mike Myers mask on the Newell post.<br /> <strong><br /> Inspired by the White House</strong></p> <table style="margin: 5px 1em 1em;"> <tbody> <tr> <td><img alt="" width="450" height="300" src="http://l.yimg.com/a/i/us/re/gr/imitation_white_house_v2.jpg"></img></td> </tr> <tr> <td><small>Home inspired by The White House.<br /> Photo: realtor.com |Inset: wikipedia.org</small></td> </tr> </tbody> </table> <p>&nbsp;</p> <p>Location: <a href="http://realestate.yahoo.com/Virginia/McLean/1111-towlston-rd:60a6e23c0c51654163d8c45f9b678e" target="_blank">McLean, Virginia</a><br /> Year Built: 1995<br /> Price: $4,650,000<br /> Square footage: 12,020<br /> Bedrooms / baths: 6 / 8</p> <p>Numerous replicas exist of the nation&rsquo;s First Home. The statistics above are for another White House replica home currently on the market in McLean, Virginia. The seller is an unnamed engineer from Vietnam, who wanted to pay tribute to the country that took him in, according to a blog on the Washington Post website. This replica was built to the specs in the original White House blueprints but on a one-fifth scale. The private home moonlighted as a stand-in for the White House in the filming of the movie Independence Day. For the homebuyer seeking a presidential home of color, a robin&rsquo;s-egg blue version is on the <a href="http://realestate.yahoo.com/Illinois/Chicago/homes-for-sale" target="_blank">Chicago</a> market as well.</p> <p><strong>Inspired by the TV show "The Simpsons"</strong></p> <table style="margin: 5px 1em 1em;"> <tbody> <tr> <td><img alt="" width="450" height="300" src="http://l.yimg.com/a/i/us/re/gr/imitation_simpsons_v2.jpg"></img></td> </tr> <tr> <td><small>Home inspired by "The Simpsons".<br /> Photo: Scott Jones |Inset: Fox Broadcasting Company</small></td> </tr> </tbody> </table> <p>Location: <a href="http://realestate.yahoo.com/Nevada/Henderson/homes-for-sale" target="_blank">Henderson, Nevada</a><br /> Year Built: 1997<br /> Price when new: $120,000<br /> Square footage: 2,182<br /> Bedrooms / baths: 4 / 2</p> <p>The real-life version of The Simpsons&rsquo; fictional home at 742 Evergreen Terrace was built as a contest prize. Although the look has since been toned down to conform to the regulations of the housing tract&rsquo;s homeowners association, at the time the exterior and interiors were done in the cartoon&rsquo;s bright colors, and it contained 1,500 props. The winner chose to take the alternate prize of $75,000 cash instead of moving in to the house, so after it opened to the public for a month and a half as some 30,000 lookie-Lous including Simpsons creator Matt Groening toured it, the house was de-Simpsonized and sold.&nbsp;&nbsp; Read more:&nbsp; <a href="http://realestate.yahoo.com/promo/famous-homes-inspire-copycats.html">http://realestate.yahoo.com/promo/famous-homes-inspire-copycats.html</a><br /> <br /> <strong><span style="color: #953734;">If you find your dream home, let&nbsp;<a href="/default.aspx">Cliff Cottam Insurance Services</a> shop the top rated insurance companies to find you the best rates and coverage today!.&nbsp;Why not let us do all the work for you.&nbsp;<a href="/contact.aspx"> Contact us </a>at <span style="font-size: 16px;">(800) 807-6871.</span></span></strong></p>urn:uuid:c3ee727f-b61d-4628-8d79-978c62eeb645 By TrueCar.com Published: Friday, Jul. 15, 2011 - 6:06 am SANTA MONICA, Calif., July 15, 2011 -- /PRNewswire/ -- TrueCar.com, the authority in new car pricing, trends and forecasting released its Performance Scorecards for automotive manufacture...Fri, 15 Jul 2011 16:02:15 -0500<div id="story_header"> <div class="byline author vcard">By <a href="http://www.sacbee.com/search_results/?sf_pubsys_story_byline=TrueCar.com&amp;link_location=top" title="Read more articles by TrueCar.com">TrueCar.com</a></div> <div class="pubdates" style="padding-bottom: 1.5em;"> <div title="2011-07-15T06:06:34-0700" class="published" style="padding-bottom: 0px;">Published: Friday, Jul. 15, 2011 - 6:06 am</div> </div> </div> <div class="lingo_region entry-content" id="articlebody"> <p><a href="http://topics.sacbee.com/Santa+Monica/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">SANTA MONICA,</a> Calif., July 15, 2011 -- /PRNewswire/ -- <a href="http://www.truecar.com/index.html?sourceId=PR"><b>TrueCar.com</b></a>, the authority in new car pricing, trends and forecasting released its <a href="http://www.truecar.com/truetrends/index.html">Performance Scorecards</a> for automotive manufacturers and brands. The full report is available in TrueCar.com's monthly <a href="http://www.truecar.com/truetrends/index.html">TrueTrends Report</a>. The Performance Scorecards grades each manufacturer and brand on eight different measurements including pricing, sales, incentives, <a href="http://topics.sacbee.com/customer+loyalty/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">customer loyalty,</a> market share and days in inventory data. </p> <p>(Logo: <a href="http://photos.prnewswire.com/prnh/20110401/LA75616LOGO">http://photos.prnewswire.com/prnh/20110401/LA75616LOGO</a>)</p> <p>Overall, the top manufacturers on the Scorecards in June were <a href="http://topics.sacbee.com/GM/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">GM,</a><a href="http://topics.sacbee.com/Porsche/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Porsche</a> and Hyundai. Near the bottom of the list were Saab and <a href="http://topics.sacbee.com/Mazda/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Mazda.</a> The brands that received the highest grades were Chevrolet, Audi and <a href="http://topics.sacbee.com/Porsche/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Porsche</a> and the brands with the lowest grades were Saab, <a href="http://topics.sacbee.com/Mazda/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Mazda,</a> and Chrysler and Infiniti. </p> <p> "<a href="http://topics.sacbee.com/General+Motors/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">General Motors</a> had a great sales month in June and a big drop in their discounts which propelled them to have the highest grade," said <a href="http://topics.sacbee.com/Jesse+Toprak/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Jesse Toprak,</a> <a href="http://topics.sacbee.com/VP+of+Industry+Trends/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">VP of Industry Trends</a> and Insights at TrueCar.com. "The Japanese automakers continued to be on the bottom of the scorecards due to low inventory, leading to low retail sales change and a decrease in market share change."</p> <p>The biggest gainers among manufacturers, from May 2011 to June 2011 were:</p> <ul style="list-style-type: disc;"> <li><a href="http://topics.sacbee.com/GM/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">GM</a> moving from a A- to an A+</li> <li>Volkswagen moving from a B to an A-</li> </ul> <p>The biggest decliners among manufacturers, from May 2011 to June 2011 were:</p> <ul style="list-style-type: disc;"> <li>Jaguar moving from a B+ to a C+</li> <li>BMW moving from an A to a B+</li> </ul> <p>Below are the highest and lowest manufacturer and brand rankings by TrueCar.com:</p> <table cellspacing="0" cellpadding="1"> <colgroup><col></col><col></col><col></col><col></col><col></col><col></col><col></col></colgroup> <tbody> <tr> <td valign="bottom" colspan="7"></td> <td></td> </tr> <tr> <td valign="bottom" colspan="3"><b>Highest Grades by Manufacturer</b></td> <td valign="bottom"></td> <td valign="bottom" colspan="3"><b>Lowest Grades by Manufacturer</b></td> <td></td> </tr> <tr> <td valign="bottom">Rank</td> <td valign="bottom">Manufacturer</td> <td valign="bottom">Grade</td> <td valign="bottom"></td> <td valign="bottom">Rank</td> <td valign="bottom">Manufacturer</td> <td valign="bottom">Grade</td> <td></td> </tr> <tr> <td valign="bottom">1 </td> <td valign="bottom">GM</td> <td valign="bottom">A+</td> <td valign="bottom"></td> <td valign="bottom">1 </td> <td valign="bottom">Saab</td> <td valign="bottom">D</td> <td></td> </tr> <tr> <td valign="bottom">2(tie)</td> <td valign="bottom">Porsche</td> <td valign="bottom">A</td> <td valign="bottom"></td> <td valign="bottom">2</td> <td valign="bottom">Mazda</td> <td valign="bottom">D+</td> <td></td> </tr> <tr> <td valign="bottom">2(tie)</td> <td valign="bottom">Hyundai</td> <td valign="bottom">A</td> <td valign="bottom"></td> <td valign="bottom">3 (tie)</td> <td valign="bottom">Nissan</td> <td valign="bottom">C-</td> <td></td> </tr> <tr> <td valign="bottom"></td> <td valign="bottom"></td> <td valign="bottom"></td> <td valign="bottom"></td> <td valign="bottom">3 (tie)</td> <td valign="bottom">Honda</td> <td valign="bottom">C-</td> <td></td> </tr> <tr> <td valign="bottom" colspan="3"><b>Highest Grades by Brand</b></td> <td valign="bottom"></td> <td valign="bottom" colspan="3"><b>Lowest Grades by Brand</b></td> <td></td> </tr> <tr> <td valign="bottom">Rank</td> <td valign="bottom">Brand</td> <td valign="bottom">Grade</td> <td valign="bottom"></td> <td valign="bottom">Rank</td> <td valign="bottom">Brand</td> <td valign="bottom">Grade</td> <td></td> </tr> <tr> <td valign="bottom">1 (tie)</td> <td valign="bottom">Chevrolet</td> <td valign="bottom">A+</td> <td valign="bottom"></td> <td valign="bottom">1</td> <td valign="bottom">Saab</td> <td valign="bottom">D-</td> <td></td> </tr> <tr> <td valign="bottom">1 (tie)</td> <td valign="bottom">Audi</td> <td valign="bottom">A+</td> <td valign="bottom"></td> <td valign="bottom">2 (tie)</td> <td valign="bottom">Mazda</td> <td valign="bottom">D</td> <td></td> </tr> <tr> <td valign="bottom">1 (tie)</td> <td valign="bottom">Porsche</td> <td valign="bottom">A+</td> <td valign="bottom"></td> <td valign="bottom">2 (tie)</td> <td valign="bottom">Chrysler</td> <td valign="bottom">D</td> <td></td> </tr> <tr> <td valign="bottom"></td> <td valign="bottom"></td> <td valign="bottom"></td> <td valign="bottom"></td> <td valign="bottom">2 (tie)</td> <td valign="bottom">Infiniti</td> <td valign="bottom">D</td> <td></td> </tr> <tr> <td valign="bottom" colspan="7"></td> <td></td> </tr> <tr> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> </tbody> </table> <p>&nbsp;</p> <p>The <a href="http://www.truecar.com/truetrends/index.html">TrueTrends Report</a> is available to be viewed in its entirety at TrueCar.com.</p> </div> Read more: <a href="http://www.sacbee.com/2011/07/15/3771917/general-motors-tops-truecarcoms.html#ixzz1SD4JaII8" style="color: #003399;">http://www.sacbee.com/2011/07/15/3771917/general-motors-tops-truecarcoms.html#ixzz1SD4JaII8</a><br /> <br /> If you are interested in having <a href="/contact.aspx">Cliff Cottam Insurance Services </a>search the top insurance companies to find you the best rate for your personal situation today!&nbsp; Call us at (800) 807-6871 for a free no obligation<a href="/automobile/quick_insurance_quote.aspx"> Auto Quote</a>.urn:uuid:40b49cd7-475d-4c5e-8c26-656382a108efCliff Cottam Insurance Servicesis always searching for informative articles to pass along to you.&nbsp; Here is an article from&nbsp;Car Pro that you&nbsp;may find interesting.&nbsp; Being accessible to my listeners by email allows me to interact w...Fri, 15 Jul 2011 15:52:19 -0500<p><strong><a href="/default.aspx"><strong>Cliff Cottam Insurance Services</strong></a>is always searching for informative articles to pass along to you.&nbsp; Here is an article from&nbsp;Car Pro that you&nbsp;may find interesting.&nbsp; <br /> <br /> Being accessible to my listeners by email allows me to interact with all sorts of people. I hear from folks who have bought many vehicles, those who have never bought one, people with great credit, bad credit, no credit, and just about every scenario you can imagine. That is one of the things that keeps it interesting. If you are someone who has bought many cars before, you may get to experience something new, something you have never done before, and most likely something you said you would never do&hellip;pay MSRP for a car.</strong></p> <p><strong>In case you don&rsquo;t know, MSRP is the abbreviation for Manufacturer&rsquo;s Suggested Retail Price. That is the price the builder of the car deems as reasonable. Many have never paid that amount for a car, much less pay that and be HAPPY to get it for that amount. The good news is, the winds of change are upon us.</strong></p> <p><strong>Some people won&rsquo;t have the stomach for this new way to buy a car. As I have been talking about for more than six weeks, the sudden gas spikes have caused a shortage of many of the popular fuel-efficient cars. This was prior to the horrific earthquake and tsunami that hit Japan a little more than a month ago. That event made a bad situation worse and we haven&rsquo;t even seen the worst of it yet.</strong></p> <br /> Read more:&nbsp;<a href="http://www.carprosacramento.com/a-new-way-to-buy-a-car-car-pro-article-from-the-sacramento-bee-april-2011">http://www.carprosacramento.com/a-new-way-to-buy-a-car-car-pro-article-from-the-sacramento-bee-april-2011</a>: <br /> <br />urn:uuid:deb52895-4fe2-428d-996e-1178f80e41367 Interesting Auto Insurance Facts Comprehensive coverage doesn&rsquo;t mean complete coverage. While comprehensive coverage may sound like coverage that will cover you in every situation, this is certainly not the case. Comprehensive coverage simpl...Wed, 13 Jul 2011 15:03:52 -0500<h1 class="title"><a href="http://www.4autoinsurancequote.org/uncategorized/7-interesting-auto-insurance-facts/">7 Interesting Auto Insurance Facts</a></h1> <div class="entry"> <p><strong>Comprehensive coverage doesn&rsquo;t mean complete coverage.</strong><br /> While comprehensive coverage may sound like coverage that will cover you in every situation, this is certainly not the case. Comprehensive coverage simply means you are covered in scenarios other than collisions. Theft, flooding, vandalism, and fire damage are examples of when comprehensive coverage will help you.</p> <p><strong>Your car effects your rates.</strong><br /> The car you drive greatly effects what you will have to pay to get your car covered. If you have a fast, small car you will probably find yourself paying a higher premium for your auto insurance. On the other hand, if you are driving a mid-sized car with all the safety features, your rates will be significantly lower.</p> <p><strong>Your credit score effects your rates.</strong><br /> This may sound a little strange at first, but it is an effective way for auto insurance companies to judge one&rsquo;s responsibility. Not only does is this a good indicator of if you will pay on time or not, but it is also an effective judge of character, something auto insurance companies find very important.</p> <p><strong>The higher your deductible the better.</strong><br /> If you believe you are a good driver, a high deductible may be a good choice for you. <a href="http://www.4autoinsurancequote.org/learning-center/auto-insurance-deductibles-explained/">Deductibles</a> what you have to pay out of pocket in case of an accident before the auto insurance kicks in. It&rsquo;s best to choose the highest deductible you believe you can afford at any given time. Doing so will greatly reduce your premium.</p> <p><strong>Pay semi-annually rather than monthly.</strong><br /> If you are willing to pay 6 months in advance, or even a year in advance, for your auto insurance coverage, you will be able to save a great deal.</p> <p><strong>Letting your policy lapse can be costly.</strong><br /> When a insurance company sees a someone that has been driving without auto insurance, especially since it is required by state law, they will consider you irresponsible, and often times they will make you pay for it. If you are switching companies, make sure you have a replacement set up the day your current policy expires to avoid extra charges.</p> <p><strong>You can ask for discounts.</strong><br /> Before signing for auto insurance with a particular company, don&rsquo;t be afraid to ask for discounts. You&rsquo;d be surprised what discounts you qualify for. You may even be able to get a discount just for asking.<br /> <br /> These Interesting Facts are all thanks to 4AutoInsuranceQuote.org.<br /> Get an Instant Free Quote today on our website! <a href="/automobile/default.aspx">Cliff Cottam Insurance Services </a>will do all the rest for you!</p> </div>urn:uuid:d5688806-1943-46b7-bb23-0f7b1ee60fa2<img src='http://www.ccisca.com/img/~www.ccisca.com/ARCO%20gift%20card.jpg' align='left' />ENTER OUR $25 ARCO GIFT CARD GIVEAWAY&nbsp;FROM THE CLIFF COTTAM INSURANCE TEAM! Everyone can use free gas! Cliff Insurance Services is giving away a $25 ARCO Gift Card&nbsp;Thursday, July 14, 2011. Tell a friend to 'like' our page and Tag yours...Tue, 12 Jul 2011 10:48:54 -0500<p style="text-align: center;"><strong>ENTER OUR $25 ARCO GIFT CARD GIVEAWAY&nbsp;FROM THE <a href="http://www.ccisca.com/contact.aspx">CLIFF COTTAM INSURANCE </a>TEAM!<br /> <br /> </strong></p> <p style="text-align: center;"><img alt="" style="width: 230px; height: 150px;" src="http://www.ccisca.com/img/~www.ccisca.com/ARCO%20gift%20card.jpg"></img> </p> <div style="text-align: left;"><br /> <strong>Everyone can use free gas! Cliff Insurance Services is giving away a $25 ARCO Gift Card&nbsp;Thursday, July 14, 2011. Tell a friend to 'like' our page and Tag yourself in the Arco Gas picture today for a chance to win!<br /> <br /> To enter, just 'like us' at </strong><a href="http://www.facebook.com/fbccisca?v=app_4949752878#!/fbccisca?sk=wall"><strong>http://www.facebook.com/fbccisca?v=app_4949752878#!/fbccisca?sk=wall</strong></a></div>urn:uuid:8a1cbfcc-e7c8-45ed-909d-0139a0433760<img src='http://www.ccisca.com/img/Library/Carriers/mercurylogo.gif' align='left' /> Extend the life of your vehicle for up to six years or 100,000 miles How many times have you heard stories about cars breaking down right after the warranty expires? With Mechanical Breakdown Protection from Mercury, you can rest easy knowing you ...Tue, 12 Jul 2011 09:12:08 -0500<em><img alt="" src="/img/Library/Carriers/mercurylogo.gif"></img><br /> <br /> Extend the life of your vehicle for up to six years or 100,000 miles </em> <p style="text-align: left;"><em>How many times have you heard stories about cars breaking down right after the warranty expires? With Mechanical Breakdown Protection from Mercury, you can rest easy knowing you are covered. The rates are among the lowest in the industry and typically beat the car dealer rates. <br /> </em><br /> Mercury&rsquo;s Mechanical Breakdown Protection Plans extend coverage to virtually all mechanical and electrical components of your vehicle. They are available for both new and pre-owned vehicles, and coverage is transferable if you sell your vehicle before your agreement expires - - providing added resale value. </p> <p style="text-align: left;"><span style="font-size: 13px;"><strong>&nbsp;</strong></span><a href="http://www.ccisca.com/contact.aspx"><em><span style="font-size: 13px;"><strong>Contact us&nbsp;</strong></span></em></a><em><span style="font-size: 13px;"><strong> to find out more!&nbsp; Or complete our online </strong></span><a href="/automobile/warranty_quote.aspx"><span style="font-size: 13px;"><strong>Auto Warranty Quote form </strong></span></a><span style="font-size: 13px;"><strong>today!&nbsp;&nbsp;&nbsp;&nbsp; <span style="font-size: 16px;">(</span></strong></span><em><strong><span style="font-size: 16px;">800) 807-6871</span></strong> </em></em></p>urn:uuid:36221f12-1762-43e7-b74b-e87ebd4552c7Cliff Cottam Insurance Services&nbsp;found an interesting alternative to drinking and driving&nbsp;by Debbie Arrington of the Sacramento Bee.&nbsp; Maybe this wasn't the best example of driver's education. Two parents who had too much to drink were...Mon, 11 Jul 2011 12:38:55 -0500<p><a href="/default.aspx"><strong>Cliff Cottam Insurance Services&nbsp;</strong></a><strong>found an interesting alternative to drinking and driving&nbsp;by Debbie Arrington of the Sacramento Bee.&nbsp;<br /> </strong> <br /> Maybe this wasn't the best example of driver's education.</p> <p>Two parents who had too much to drink were cited for letting their 14-year-old son drive them to a <a href="http://topics.sacbee.com/liquor+store/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">liquor store.</a></p> <p>With his intoxicated parents in the car, the unlicensed teen driver was stopped Saturday night by <a href="http://topics.sacbee.com/Sacramento/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Sacramento</a> police at a DUI checkpoint at <a href="http://topics.sacbee.com/Florin+Road/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Florin Road</a> and <a href="http://topics.sacbee.com/Franklin+Boulevard/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Franklin Boulevard</a> in south <a href="http://topics.sacbee.com/Sacramento/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Sacramento.</a></p> <p> According to police reports, the parents &ndash; who were not identified &ndash; weren't arrested. But they received a citation for allowing their underage son to drive without a license.</p> <p>At the same checkpoint, another unlicensed driver apparently thought one citation was enough for one day. When unable to produce a <a href="http://topics.sacbee.com/driver%27s+license/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">driver's license,</a> he showed the officers a citation he had received earlier in the day in another jurisdiction for driving without a license.</p> <p>Now he has two citations for the same offense &ndash; and his car was towed. <br /> Read more: <a href="http://www.sacbee.com/2011/07/11/3760689/parents-cited-as-son-14-drives.html#ixzz1RoqCayBo" style="color: #003399;">http://www.sacbee.com/2011/07/11/3760689/parents-cited-as-son-14-drives.html#ixzz1RoqCayBo</a><br /> <br /> </p>urn:uuid:c01ca9ae-5d1e-4010-9e9b-1dc8610c794fDoes anyone remember when we crusied K Street every Friday and Saturday night? I'm not sure those days will ever return, but it may be the beginning to improving the downtown area. By Tony Bizjak tbizjak@sacbee.comThe Sacramento Bee Crank up the St...Mon, 11 Jul 2011 12:06:06 -0500<p><span style="color: #000000; font-size: 16px;">Does anyone remember when we crusied K Street every Friday and Saturday night? I'm not sure those days will ever return, but it may be the beginning to improving the downtown area.<br /> </span><br /> By Tony Bizjak<br /> <a href="mailto:tbizjak@sacbee.com" class="email">tbizjak@sacbee.com</a>The Sacramento Bee<br /> <br /> Crank up the Studebaker. Cars will be rolling again down Sacramento's K Street by November, officials say, like in the 1960s, when the street was the Valley's social and economic epicenter.</p> <p>The cost this summer to get K Street ready for vehicles: $3 million.</p> <p>Crews will start by putting a traffic signal in at 11th and K streets, near Ambrosia Cafe. Eleventh Street will remain a pedestrian walkway from K to L streets, and there will be no street connection from K Street north on 11th at the Cathedral of the Blessed Sacrament, either. The city wants the signal there, though, because there are a lot of pedestrians. </p> <p> Protecting pedestrians is a main theme here.</p> <p>Crews will put planter boxes and benches alongside the new traffic lanes to keep drivers from veering onto the sidewalks. (The street won't have curbs.)</p> <p>Cars will be allowed only on the blocks between Eighth and 12th streets ... Read more: <a href="http://www.sacbee.com/2011/07/11/3760527/back-seat-driver-pedestrian-k.html#ixzz1Rogc0nnQ" style="color: #003399;">http://www.sacbee.com/2011/07/11/3760527/back-seat-driver-pedestrian-k.html#ixzz1Rogc0nnQ</a><br /> <br /> <strong><em>If you have a classic car and are looking for insurance, give us a call at (800) 807-6871 for a fast, free quote today.&nbsp; Or, request your quote online at: </em></strong><a href="http://www.ccisca.com/automobile/default.aspx"><strong><em>http://www.ccisca.com/automobile/default.aspx</em></strong></a></p>urn:uuid:305db2a1-21a3-45b4-9927-f36607fb14d1<img src='http://www.cartalk.com/content/advice/images/service-advice-header.jpg' align='left' /> Here is a great website that the&nbsp;Cliff Cottam Insurance Team&nbsp;want to share with you.&nbsp; Tom and Ray Magliozzi can answer&nbsp;common service questions that you may have about your car.&nbsp; Ever wonder what really goes on, when you ...Sat, 09 Jul 2011 15:26:51 -0500<p style="text-align: left;"><img alt="" style="width: 410px; height: 280px;" src="http://www.cartalk.com/content/advice/images/service-advice-header.jpg"></img><br /> <br /> <br /> Here is a great website that the<a href="/contact.aspx">&nbsp;Cliff Cottam Insurance Team&nbsp;</a>want to share with you.&nbsp; Tom and Ray Magliozzi can answer&nbsp;common service questions that you may have about your car.&nbsp; </p> <p class="text">Ever wonder what really goes on, when you bring your car into service?&nbsp; Good news! <b>The Car Talk Service Advisor</b> is here with some answers.</p> <p class="text">Below, you'll find some of the most common service items, with full explanations of what's really involved, whether it's really necessary &mdash; even whether you can do it yourself.</p> <li class="links"><a href="http://www.cartalk.com/content/advice/airfilters.html">Air Filters</a></li> <li class="links"><a href="http://www.cartalk.com/content/advice/brakes.html">Brakes</a></li> <li class="links"><a href="http://www.cartalk.com/content/advice/coolant.html">Coolant</a></li> <li class="links"><a href="http://www.cartalk.com/content/advice/driveaxleboots.html">Drive Axle Boots</a></li> <li class="links"><a href="http://www.cartalk.com/content/advice/drivebelts.html">Drive Belts</a></li> <li class="links"><a href="http://www.cartalk.com/content/advice/oilchanges.html">Oil Changes</a></li> <li class="links"><a href="http://www.cartalk.com/content/advice/powersteering.html">Power-Steering Fluid</a></li> <li class="links"><a href="http://www.cartalk.com/content/advice/rotatingtires.html">Rotating Tires</a></li> <li class="links"><a href="http://www.cartalk.com/content/advice/sparkplugs.html">Spark Plugs</a></li> <li class="links"><a href="http://www.cartalk.com/content/advice/timingbelt.html">Timing Belt/Camshaft Drive Belt</a></li> <li class="links"><a href="http://www.cartalk.com/content/advice/tirepressure.html">Tire Pressure</a></li> <li class="links"><a href="http://www.cartalk.com/content/advice/transmissionfluid.html">Transmission Fluid</a><br /> <br /> </li> <li class="links"><a href="http://www.cartalk.com/content/advice/diytips.html">Should You Do It Yourself?</a></li> <li class="links"><a href="http://www.cartalk.com/content/advice/diy-matrix.html">DIY Matrix</a></li> <p class="text">Read more <a href="http://www.cartalk.com/content/advice/">http://www.cartalk.com/content/advice/</a><br /> <br /> <strong>If you would like a fast, free<a href="/automobile/quick_insurance_quote.aspx"> auto quote</a>, give us a call and talk to one of our agents.&nbsp; We have excellent rates for teens who have good grades.</strong><span style="font-size: 16px;"><strong>&nbsp;(800) 807-6871<br /> </strong></span></p>urn:uuid:351226e2-03d5-4fb6-9ff5-aa50158d4f74<img src='http://www.ccisca.com/img/~www.ccisca.com/ARCO%20gift%20card.jpg' align='left' />HAPPY FRIDAY FROM THE CLIFF COTTAM INSURANCE TEAM! Everyone can use free gas!&nbsp; Cliff Insurance Services is giving away a $25 ARCO Gift Card next Thursday, July 14, 2011.&nbsp;&nbsp;Tell a friend to 'like' our page and Tag yourself in the A...Fri, 08 Jul 2011 20:36:36 -0500<p style="text-align: center;"><strong><span style="color: #c00000; font-family: georgia;">HAPPY FRIDAY FROM THE <a href="/contact.aspx">CLIFF COTTAM INSURANCE </a>TEAM!<br /> </span><br /> </strong></p> <p style="text-align: center;"><img alt="" style="width: 230px; height: 150px;" src="/img/~www.ccisca.com/ARCO%20gift%20card.jpg"> <div style="text-align: left;"></div> </img></p> <p style="text-align: center;"><br /> <span style="font-family: georgia;"><strong>Everyone can use free gas!&nbsp; Cliff Insurance Services is giving away a $25 ARCO Gift Card next Thursday, July 14, 2011.&nbsp;&nbsp;Tell a friend to 'like' our page and Tag yourself in the Arco Gas picture today for a chance to win!<br /> <br /> To enter, just 'like us' at </strong></span><a href="http://www.facebook.com/fbccisca?v=app_4949752878#!/fbccisca?sk=wall"><span style="font-family: georgia;"><strong>http://www.facebook.com/fbccisca?v=app_4949752878#!/fbccisca?sk=wall</strong></span></a></p>urn:uuid:dfb0248e-7fec-41c9-add6-06575db37fdfSummer is here and in full swing! Make sure you have done these things before you hit the road for vacation or even to work: 1. Kick the tires. And then get out the tire-pressure gauge and check that your tires are inflated to the level recommended ...Fri, 08 Jul 2011 15:30:30 -0500Summer is here and in full swing! Make sure you have done these things before you hit the road for vacation or even to work:<br /> <div style="border: currentcolor; text-align: left; color: #000000; overflow: hidden; text-decoration: none; background-color: transparent;"> <p itxtNodeId="740" itxtHarvested="0"><b itxtNodeId="831" itxtHarvested="0">1. Kick the tires.</b> And then get out the tire-pressure gauge and check that your tires are inflated to the level recommended in your owner's manual. Summer heat increases the pressure in tires, so test the pressure before driving far. Don't forget to check your spare as well. </p> <p itxtNodeId="739" itxtHarvested="0">Underinflated tires run the risk of a blowout, and overinflated ones make hydroplaning more likely in rainy weather. There's a <a href="http://www.kiplinger.com/columns/car/archive/2009/car0520.html#" class="itxtrst itxtrsta itxthook" id="itxthook0" style="color: darkgreen; padding-bottom: 1px; font-size: 100%; font-weight: normal; text-decoration: underline; border-bottom-color: darkgreen; border-bottom-width: 0.07em; border-bottom-style: solid; background-color: transparent;" rel="nofollow">financial</a> payoff, too: Properly inflated tires increase your vehicle's fuel efficiency by up to 3%. </p> <p itxtNodeId="738" itxtHarvested="0">Check the tread while you're down there. Stick a penny in the tread gaps with Lincoln's head facing down -- if the head is fully visible, you need new tires. </p> <p itxtNodeId="737" itxtHarvested="0">A new line of tires, Goodyear's Assurance FuelMax, are designed to boost fuel economy. FuelMax tires improve fuel efficiency by 4% compared with the current line of Goodyear Assurance tires, and they carry a 65,000-mile warranty.</p> <p itxtNodeId="736" itxtHarvested="0">FuelMax tires are made of a new polymer that maximizes handling and durability, while providing 27% less rolling resistance to improve efficiency. Prices range from $73 to $122 per tire, depending on size, at <a href="http://www.tirerack.com/" target="_blank" itxtNodeId="832" itxtHarvested="0">www.tirerack.com</a>. </p> <p itxtNodeId="735" itxtHarvested="0"><b itxtNodeId="833" itxtHarvested="0">2. Check the essentials.</b> Check the oil after running the car for a few minutes. It should be at a sufficient level and appear clean on the stick. Though many technicians recommend an oil change every 3,000 miles, some manuals recommend 7,500 miles-check your owner's manual for guidance.</p> <p itxtNodeId="734" itxtHarvested="0">New windshield-wiper blades might be a good <a href="http://www.kiplinger.com/columns/car/archive/2009/car0520.html#" class="itxtrst itxtrsta itxthook" id="itxthook1" style="color: darkgreen; padding-bottom: 1px; font-size: 100%; font-weight: normal; text-decoration: underline; border-bottom-color: darkgreen; border-bottom-width: 0.07em; border-bottom-style: solid; background-color: transparent;" rel="nofollow">investment</a> for summer driving. Thunderstorms often crop up without warning, and the previous winter's weather may have taken a toll on the blades' performance. Prices are typically $5 to $25. </p> <p itxtNodeId="733" itxtHarvested="0"><b itxtNodeId="834" itxtHarvested="0">3. Make a service stop.</b> We'll leave it to your mechanic to tell you what needs to be done, but a quick tuneup before a long trip is a good idea -- especially because it could improve your fuel economy by 4% to 12%. Prices for a basic tuneup start at around $70 at Meineke and Midas, and both have coupons available on their Web sites. </p> <p itxtNodeId="732" itxtHarvested="0"><b itxtNodeId="835" itxtHarvested="0">4. Ditch the junk in your trunk.</b> No hip-hop reference here -- just clean out your car. The more you haul, the more fuel you burn. An extra 100 pounds in your vehicle could reduce your mpg by up to 2%.</p> <p itxtNodeId="731" itxtHarvested="0"><b itxtNodeId="838" itxtHarvested="0">5. Prepare for the worst.</b> You should keep an emergency kit with some necessities in your car in case you get stuck. The AAA 73 Piece Adventurer Road Assistance Kit ($55,<a href="http://www.amazon.com/" target="_blank" itxtNodeId="837" itxtHarvested="0">www.amazon.com</a>) includes jumper cables, an air compressor, tools and a first-aid kit. Black &amp; Decker's Start It Jump-Starter ($50, <a href="http://www.bdonlinestore.com/" target="_blank" itxtNodeId="836" itxtHarvested="0">www.bdonlinestore.com</a>) can help you get back on the road without jumper cables. </p> <p itxtNodeId="730" itxtHarvested="0">We don't want to be a drag, but keep in mind that driving faster than 60 miles per hour decreases your fuel efficiency -- each 5 mph over 60 is like paying an extra 24 cents per gallon for gas. That <a href="http://www.kiplinger.com/columns/car/archive/2009/car0520.html#" class="itxtrst itxtrsta itxthook" id="itxthook2" style="color: darkgreen; padding-bottom: 1px; font-size: 100%; font-weight: normal; text-decoration: underline; border-bottom-color: darkgreen; border-bottom-width: 0.07em; border-bottom-style: solid; background-color: transparent;" rel="nofollow">money</a> is better spent on a snack at the next rest stop.</p> <br /> <br /> Read more: <a href="http://www.kiplinger.com/columns/car/archive/2009/car0520.html#ixzz1RXzwfG5X" style="color: #003399;">http://www.kiplinger.com/columns/car/archive/2009/car0520.html#ixzz1RXzwfG5X</a> <br /> <a href="http://www.facebook.com/#!/pages/Kiplingers-Personal-Finance-magazine/65904782836" style="color: #003399;" target="_blank">Become a Fan of Kiplinger's on Facebook</a><br /> <br /> While you are checking your car for the summer, why don't you get auto insurance as well?<br /> Cliff Cottam Insurance Services makes it easy to get the right auto insurance for you, because we do all the work! Just&nbsp;call us today at (800 807 6871)&nbsp;for&nbsp;a free instant quote.<br /> </div>urn:uuid:985855ea-a383-4ebd-98c9-0e3a78b2e21c<img src='http://www.ccisca.com/img/~www.ccisca.com/Thor%20working%20hard!.jpg' align='left' /> By Jennifer Garza jgarza@sacbee.com Zoya Girard treated her beloved dachshund, Poncho, like a member of the family all his life. She's giving him the same kind of attention in death.&nbsp; She wanted her 11-year-old dog to be buried in his favorite...Fri, 08 Jul 2011 10:43:09 -0500<p > By Jennifer Garza<br /> <a href="mailto:jgarza@sacbee.com">jgarza@sacbee.com</a><br /> <br /> Zoya Girard treated her beloved dachshund, Poncho, like a member of the family all his life. She's giving him the same kind of attention in death.&nbsp; She wanted her 11-year-old dog to be buried in his favorite blanket, a prayer read at his graveside service and a viewing before he was laid to rest.</p> <p>Girard leaned over his casket last week, looking at her beloved pet one last time in a visitation room at the East Lawn Pet Loss Center in Sacramento. "He was like a grumpy old man, always barking," Girard said, weeping. She leaned over and kissed him. "But he was always there for me. This is the least I could do for him."</p> <p style="text-align: center;">Read more: <a href="http://www.sacbee.com/2011/07/08/3755470/spending-on-pet-funerals-increases.html#ixzz1RWlYVLsF" style="color: #003399;">http://www.sacbee.com/2011/07/08/3755470/spending-on-pet-funerals-increases.html#ixzz1RWlYVLsF</a><br /> <br /> <strong>Did you know that </strong><a href="/contact.aspx"><strong>Cliff Cottam Insurance Services </strong></a><strong>offers pet coverage for your beloved pets.&nbsp;If you would like to find out&nbsp;more, call us at <span style="color: #c00000; font-size: 16px;">(800) 807-6871</span>.&nbsp;<br /> <br /> <br /> Here is Thor, our agencies hard working agency dog!<br /> </strong><strong><img alt="" style="width: 152px; height: 180px;" src="/img/~www.ccisca.com/Thor%20working%20hard!.jpg"></img></strong></p> <strong> <div style="text-align: center;">&nbsp;<em><span style="color: #c00000;">"Good thing you didn't buy what that Staffordshire Terrier bought..."</span></em></div> </strong> <p>&nbsp;</p>urn:uuid:2da6ad39-a694-4f6c-b836-5016040b0446This article by the Sacramento Business Journal explains a new regulation that will impact every California Homeowner.&nbsp; It may mean that all consumers will&nbsp;pay&nbsp;a higher premium&nbsp;to insure their home&nbsp;than in the past.&nbsp;If y...Thu, 07 Jul 2011 23:54:28 -0500<p><strong><em>This article by the Sacramento Business Journal explains a new regulation that will impact every California Homeowner.&nbsp; It may mean that all consumers will&nbsp;pay&nbsp;a higher premium&nbsp;to insure their home&nbsp;than in the past.&nbsp;If you have any questions, please contact a <a href="/contact.aspx">Cliff Cottam Insurance Agent </a>to discuss your coverage.&nbsp;<br /> <br /> By Kelly Johnson, Staff writer<br /> </em></strong><br /> New statewide homeowners insurance regulations took effect Monday that, depending upon who you believe, either protect consumers against under being insured or restrict the ability of insurers to enlighten homeowners about their coverage.</p> <p>California Insurance Commissioner <strong>Dave Jones</strong> announced the new regs Monday along with <strong>Amy Bach</strong>, executive director of <a href="http://www.bizjournals.com/profiles/company/us/ca/oakland/united_policyholders/232465/" class="ct saveLink" ct="APT: Company Link">United Policyholders</a>.</p> <p>The new regulations were adopted, Jones said in a release, to improve the standards and training for estimating the replacement value on homeowners&rsquo; insurance in the event of a disaster. They also were meant to reduce the common problem of homeowners buying too little coverage.</p> <p>Two Sacramento-based insurance trade associations, however, contend that the regulations restrict communications between insurers and policyholders, are anti-consumer and inconsistent with California law.</p> <p>The <a href="http://www.bizjournals.com/profiles/company/us/ca/sacramento/association_of_california_insurance_companies/3239268/" class="ct saveLink" ct="APT: Company Link">Association of California Insurance Companies</a> and the Personal Insurance Federation of California filed a lawsuit a few weeks ago in Los Angeles County to stop a piece of the regulations. The associations object to insurance companies having to use a formula and particular words when talking to customers about home insurance, and being subjected to discipline if they deviate from those words.</p> <p>&ldquo;There are many more helpful ways than one to talk with a customer about the purchase of homeowners&rsquo; insurance,&rdquo; the associations said. The Department of Insurance&rsquo;s &ldquo;approach just sets a technical trap to punish perfectly legitimate conduct. &ldquo;</p> <p>&ldquo;These regulations will go a long way toward ensuring that consumers who are victims of a disaster, such as a wildfire, are able to get the financial relief to rebuild their homes and their lives, while also doing much to ensure that homeowners are not underinsured&rdquo; Jones said in the release. &ldquo;It&rsquo;s devastating enough to lose your house to a disaster, but not to receive adequate funds to replace it just adds insult to injury.&rdquo;<br /> <br /> <a href="http://www.bizjournals.com/sacramento/news/2011/06/28/homeowners-insurance-regulations-begin.html">http://www.bizjournals.com/sacramento/news/2011/06/28/homeowners-insurance-regulations-begin.html</a><br /> <br /> </p>urn:uuid:b71a7d3c-4fb7-48a3-a8e6-07d77c36e626<img src='http://www.ccisca.com/img/~www.ccisca.com/Flying%2520Gas%2520Can%5B1%5D.jpg' align='left' />Wed, 06 Jul 2011 16:06:05 -0500<img alt="" src="/img/~www.ccisca.com/Flying%2520Gas%2520Can%5B1%5D.jpg"></img>urn:uuid:7c5ec23b-1757-4260-be5e-ad53759fe47c<img src='http://photos-b.ak.fbcdn.net/hphotos-ak-snc6/262669_241780755848054_182566318436165_1005171_3598038_s.jpg' align='left' />By Cynthia Hubert chubert@sacbee.com It is the noisiest day of the year, and one of the riskiest for pets. Every Fourth of July, and the day after, animal shelters are inundated with dogs and cats that bolt their homes to flee the boom and flash of ...Mon, 04 Jul 2011 15:42:19 -0500<p>By Cynthia Hubert<br /> <a href="mailto:chubert@sacbee.com">chubert@sacbee.com</a><br /> <br /> It is the noisiest day of the year, and one of the riskiest for pets.</p> <p>Every Fourth of July, and the day after, <a href="http://topics.sacbee.com/animal+shelters/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">animal shelters</a> are inundated with dogs and cats that bolt their homes to flee the boom and flash of fireworks. Many lack identification and never are reunited with their owners.</p> <p>The situation might be especially grim this year, with municipal shelters closed on the holiday and the day after &ndash; and with outdoor temperatures likely to hit triple digits. The Sacramento Society for the Prevention of Cruelty to Animals expects to take in many animals that have escaped yards or homes in the midst of holiday festivities, said spokeswoman Lesley Kirrene. </p> <p> "Loud noises, bright flashes, the hot pavement. </p> <p>It's no place for dogs and cats to be," Kirrene said. "These things literally can drive animals to the point of insanity."</p> <p>The best place for pets on <a href="http://topics.sacbee.com/Independence+Day/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Independence Day</a> is inside the house, perhaps with soothing music on the radio or a wildlife program on TV, Kirrene said.</p> <p>Even though the city and county animal shelters will be closed, animal control officers will be on the road, said city shelter manager Penny Cistaro. The SPCA will be closed Monday but open Tuesday. Wednesday "will be extremely busy with people looking </p> <p>Read more: <a href="http://www.sacbee.com/2011/07/03/3744388/dogs-cats-wont-get-a-bang-out.html#ixzz1RAdiDtzZ" style="color: #003399;">http://www.sacbee.com/2011/07/03/3744388/dogs-cats-wont-get-a-bang-out.html#ixzz1RAdiDtzZ</a></p> <strong>Yes, we also sell Pet Insurance. &nbsp;Here is 'Thor' our insurance&nbsp;dog hard at work!</strong> <p style="text-align: center;"><strong><em><span style="color: #c00000;">"Buying Insurance from <a href="/contact.aspx">Cliff Cottam Insurance </a>can save you over $500 on car insurance...think of all the bones you can buy!"</span></em></strong>&nbsp; </p> <p style="text-align: center;"><img alt="" width="81" height="121" class="img" src="http://photos-b.ak.fbcdn.net/hphotos-ak-snc6/262669_241780755848054_182566318436165_1005171_3598038_s.jpg"> <div style="text-align: left;"></div> </img></p>urn:uuid:54ac1c27-a335-4e9c-bfec-c83a39005c11<img src='http://www.ccisca.com/img/Library/Fun%20Images/Flying%20Gas%20Can.jpg' align='left' />Enter our CCIS $25 ARCO Gift Card Giveaway! In these tough economic times, everyone deserves a break. This month, Cliff Cottam Insurance Services is giving away a $25 ARCO Gift Card! To enter just like us on facebook. http://www.facebook.com/fbc...Mon, 04 Jul 2011 15:26:05 -0500<p style="text-align: center;"><strong><span style="color: #c00000; font-size: 16px;">Enter our CCIS $25 ARCO Gift Card Giveaway!</span><br /> <img alt="" style="width: 206px; height: 141px;" src="http://www.ccisca.com/img/Library/Fun%20Images/Flying%20Gas%20Can.jpg"></img> </strong> </p> <p style="text-align: center;"><strong>In these tough economic times, everyone deserves a break. This month, <a href="http://www.ccisca.com/default.aspx">Cliff Cottam Insurance Services </a>is giving away a $25 ARCO Gift Card! <br /> <br /> </strong><strong>To enter just like us on facebook. </strong><a href="http://www.facebook.com/fbccisca?v=app_4949752878#!/fbccisca?sk=wall"><strong>http://www.facebook.com/fbccisca?v=app_4949752878#!/fbccisca?sk=wall</strong></a><strong>. Tag yourself or a friend!! <br /> <br /> <em><span style="color: #c00000;">Contest ends July 14th<br /> </span></em></strong></p>urn:uuid:ede73f87-2a16-4f8d-a6ba-2a6fa555bba5<img src='http://www.fvx.com/x/glitter-independence-day/Independence-Day-Glitters-14.gif' align='left' /> &nbsp; &nbsp; The Cliff Cottam Team wishes everyone a Happy Independence Day! Here are some fun quotes to ponder............. You have to love a nation that celebrates its independence every July 4, not with a parade of guns, tanks, and soldier...Mon, 04 Jul 2011 14:21:09 -0500<p style="text-align: center;"><img alt="" id="il_fi" style="width: 260px; height: 200px; padding-top: 8px; padding-right: 8px; padding-bottom: 8px;" src="http://www.fvx.com/x/glitter-independence-day/Independence-Day-Glitters-14.gif"></img> <div style="text-align: left;">&nbsp;</div> </p> <p>&nbsp;</p> <p> <span style="font-size: 13px;"><strong>The</strong> </span><a href="/default.aspx"><strong><span style="font-size: 13px;">Cliff Cottam Team </span></strong></a><strong><span style="font-size: 13px;">wishes everyone a Happy Independence Day!<br /> </span></strong><br /> <span style="color: #c00000;"><strong><span style="font-size: 13px;">Here are some fun quotes <strong></strong>to ponder.............<br /> </span></strong><br /> </span> You have to love a nation that celebrates its independence every July 4, not with a parade of guns, tanks, and soldiers who file by the White House in a show of strength and muscle, but with family picnics where kids throw Frisbees, the potato salad gets iffy, and the flies die from happiness. You may think you have overeaten, but it is patriotism.<br /> <b>Erma Bombeck</b><br /> <br /> This land is your land, this land is my land<br /> From California, to the New York Island<br /> From the redwood forest, to the gulf stream waters<br /> This land was made for you and me<br /> <b>Woody Guthrie</b><br /> <br /> Freedom is never free.<br /> <b>Author Unknown</b><br /> <br /> Liberty is always dangerous, but it is the safest thing we have. <br /> <b>Harry Emerson Fosdick</b><br /> <br /> A statistician made a few calculations and discovered that since the birth of our nation more lives had been lost in celebrating independence than in winning it.<br /> <b>Curtis Billings<br /> </b><br /> The United States is the only country with a known birthday. <br /> <b>James G. Blaine<br /> </b><br /> Freedom is nothing but a chance to be better.<br /> <b>Albert Camus</b><br /> <br /> Freedom is the oxygen of the soul.<br /> <b>Moshe Dayan</b><br /> <br /> If our country is worth dying for in time of war let us resolve that it is truly worth living for in time of peace.<br /> <b>Hamilton Fish</b><br /> <br /> Four score and seven years ago our fathers brought forth on this continent a new nation, conceived in liberty, and dedicated to the proposition that all men are created equal.<br /> <b>Abraham Lincoln</b><br /> The Gettysburg Address, 1863.<br /> <br /> Freedom has its life in the hearts, the actions, the spirit of men and so it must be daily earned and refreshed - else like a flower cut from its life-giving roots, it will wither and die.<br /> <b>Dwight D. Eisenhower</b><br /> <br /> In the truest sense, freedom cannot be bestowed; it must be achieved.<br /> <b>Franklin D. Roosevelt</b><br /> <br /> <br /> </p>urn:uuid:ca1ecc30-5f05-4adb-8879-533a7634bcb6Most people now know: Pull cords for windows and blinds can be a serious danger to infants and toddlers. But many families still have these cords in their homes. According to a recent survey by the Window Covering Safety Council, 92 percent of Americ...Sat, 02 Jul 2011 23:35:31 -0500<p>Most people now know: <b>Pull cords for windows and blinds can be a serious danger to infants and toddlers</b>. But many families still have these cords in their homes.</p> <p>According to a recent survey by the Window Covering Safety Council, 92 percent of American adults have heard about strangulation dangers connected with pull cords. In addition, 74 percent of those surveyed also were aware of potential hazards from the cords running through blind slats.</p> <p>According to the U.S. Consumer Product Safety Commission, more than 200 infants and young children have died since 1990 from accidentally strangling in window cords. </p> <p> Manufacturers adopted safety precautions to guard against this danger that went into effect in 2001. The WCSC urges homeowners to replace any blinds, corded shades or draperies that were manufactured before that date.</p> <p>While homes with young children may be safe, summer can put these youngsters at risk as they visit relatives or family friends on vacation, says the WCSC. Here are other tips:</p> <p><b>&bull; Install only cordless window coverings </b>in homes with young children.</p> <p><b>&bull; Move all cribs, beds, furniture and toys away from windows and window cords.</b> Preferably move them to another wall, away from windows.</p> <p><b>&bull; Keep all window cords out of the reach of children. </b>Make sure that tasseled pull cords are short and continuous-loop cords are permanently anchored to the floor or wall. Make sure cord stops are properly installed.</p> <p><b>&bull; Lock cords into position whenever horizontal blinds or shades are lowered,</b> including when they come to rest on a windowsill.</p> <br /> Read more: <a href="http://www.sacbee.com/2011/06/25/3717981/checklist-in-the-garden-around.html#ixzz1R0tHxxpz" style="color: #003399;">http://www.sacbee.com/2011/06/25/3717981/checklist-in-the-garden-around.html#ixzz1R0tHxxpz</a><br /> <br /> <strong><em>These tips are are a reminder to keep children safe.&nbsp; Often we don't think about&nbsp;something so common being dangerous.&nbsp; The </em></strong><a href="/default.aspx"><strong><em>Cliff Cottam Insurance Services </em></strong></a><strong><em>Team.</em></strong>&nbsp;&nbsp;&nbsp;&nbsp;urn:uuid:65e8092a-2329-49f0-aca7-60cd113264d0<img src='http://media.sacbee.com/smedia/2011/07/01/15/29/21-zywcS.Hi.91.jpg' align='left' />By Kevin G. Hall&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; WASHINGTON &mdash; This year, as the nation celebrates Independence Day, the sputtering U.S. economy offers a st...Sat, 02 Jul 2011 23:22:11 -0500<p><img width="180" height="204" alt="Spirit of '76 does not mean independence for U.S. economy" src="http://media.sacbee.com/smedia/2011/07/01/15/29/21-zywcS.Hi.91.jpg"></img>By Kevin G. Hall&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br /> <br /> WASHINGTON &mdash; This year, as the nation celebrates <a href="http://topics.sacbee.com/Independence+Day/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Independence Day,</a> the sputtering <a href="http://topics.sacbee.com/U.S.+economy/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">U.S. economy</a> offers a stark reminder that today we're more dependent upon foreigners than ever before.</p> <p> We need them to finance our debt; China and Japan together hold more than $2 trillion of <a href="http://topics.sacbee.com/U.S.+Treasury+bonds/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">U.S. Treasury bonds.</a> We need them to supply much of the oil that's critical to our economy. We need them to make the shoes we wear and the gadgets that dominate our lives. We even need them to buy more of the products we make, as growing exports are vital to our economic rebound.</p> <p> None of these dependencies is particularly new, but there's growing concern about how much economic independence we've lost. </p> <p> "We're much more dependent than we have been, probably since the 1800s," said Clyde Prestowitz, a former U.S. trade negotiator and the author of the 2010 book "The Betrayal of American Prosperity." </p> <p> "I think dependence per se is not necessarily a bad thing. The question is whether the dependence is working to your advantage or against you... Our dependence is growing in ways that are disadvantageous to us."</p> <p> The most obvious example of dangerous dependence comes from foreigners owning our debt. </p> <p >Read more: <a href="http://www.sacbee.com/2011/07/01/3741911/on-independence-day-2011-were.html#ixzz1R0qIG7WD" style="color: #003399;">http://www.sacbee.com/2011/07/01/3741911/on-independence-day-2011-were.html#ixzz1R0qIG7WD</a></p> <br /> <br />urn:uuid:8231b021-6278-4e81-98e4-7ee1acbf8b3e WASHINGTON, D.C. June 28, 2011 &bull; Says changes will help with protection while lowering rates &bull; &lsquo;Californians should be charged the same insurance rates if they face the same risk&rsquo; Legislation to bring parity to the flood ...Fri, 01 Jul 2011 20:38:12 -0500<div class="borderTB gray" style="font-weight: bold;"> <p>WASHINGTON, D.C. <br /> June 28, 2011 <br /> <br /> &bull; Says changes will help with protection while lowering rates</p> <p>&bull; &lsquo;Californians should be charged the same insurance rates if they face the same risk&rsquo; </p> </div> <br /> Legislation to bring parity to the flood insurance market and encourage local governments to construct more flood protection systems has been introduced in Congress by Sen. Dianne Feinstein, D-Calif.<br /> <br /> Under current law, if a local government establishes a plan to prevent flooding by building a levee, the National Flood Insurance Program prohibits homeowners from receiving the same discounted insurance they would otherwise receive if the levee were built by the federal government or Army Corps of Engineers. If the levees protecting these homes were owned by the federal government instead of the local reclamation districts or the state of California, the area would be eligible for discounted insurance.<br /> <br /> &ldquo;In some areas of the country, homeowners are billed an additional $700 dollars each year for flood insurance simplybecause their local government built the levee protecting their home &mdash; not the federal government,&rdquo; says Ms. Feinstein. &ldquo;In other words, these Californians are being charged more to insure their properties, simply because their local municipality did the right thing and built a levee.&rdquo;&nbsp; Her proposal would allow:<br /> <br /> &bull; Levees built with local tax dollars to qualify for the same discounted flood insurance rates as communities that rely on federal tax dollars;<br /> <br /> &bull; Areas protected by coastal levees to qualify for the same flood insurance rate zones as areas protected by riverine levees, provided they meet equivalent flood protection standards. <br /> <br /> &bull; Federal Emergency Management Agency (FEMA) to calculate the value of a levee system in current dollars instead of using the un-inflated cost of levee improvements completed years ago. Read more:&nbsp;<a href="http://www.centralvalleybusinesstimes.com/stories/001/?ID=18776">http://www.centralvalleybusinesstimes.com/stories/001/?ID=18776</a>&nbsp;&nbsp; <br /> <br /> <strong>With the snow melting and the&nbsp;rivers and lakes at capacity levels, the levees will be tested.&nbsp; If you are concerned about a levee break, let one of our <a href="/contact.aspx">CCIS Agents </a>give you a free <a href="/flood/insurance_quote.aspx">flood quote&nbsp;</a>today.<br /> </strong>urn:uuid:e7023982-5ef3-472d-8e21-61a2d15a903fThis article by Tony Bizak of the Sacramento Bee&nbsp;informs drivers that a new law&nbsp;beginning tomorrow will&nbsp;affect California Drivers. &nbsp; Talk about sticker shock. On Friday, 85,000 heretofore privileged California solo drivers whose c...Thu, 30 Jun 2011 20:53:32 -0500<p >This article by Tony Bizak of the Sacramento Bee&nbsp;informs drivers that a new law&nbsp;beginning tomorrow will&nbsp;affect California Drivers.<br /> &nbsp;<br /> Talk about <a href="http://topics.sacbee.com/sticker+shock/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">sticker shock.</a></p> <p>On Friday, 85,000 heretofore privileged California solo drivers whose cars boast yellow "Access OK" decals will no longer be allowed to use the state's carpool lanes during commute hours.</p> <p>The six-year program that helped popularize the <a href="http://topics.sacbee.com/Toyota+Prius/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Toyota Prius</a> and other hybrid gas-electric vehicles is ending, leaving some yellow sticker owners unsettled and angry. </p> <p> "I will definitely be grumpy Friday morning," said Shannon Genzel, who lives in Elk Grove.&nbsp; She drops her son off in Carmichael, then heads back downtown in her <a href="http://topics.sacbee.com/Honda+Civic+hybrid/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Honda Civic hybrid,</a> saving more than an hour daily flying solo in diamond lanes.</p> <p>She recently took time off from work to test alternative routes and will bring music CDs Friday to stay mellow if she gets caught in traffic.</p> <p>The author of the landmark program, Sen. Fran Pavley, D-Agoura Hills, says she has been getting calls from upset sticker owners, but points out the program was never meant to last forever.</p> <p > Read more: <a href="http://www.sacbee.com/2011/06/30/3737658/hybrid-drivers-face-sticker-shock.html#ixzz1QoXCMN6e" style="color: #003399;">http://www.sacbee.com/2011/06/30/3737658/hybrid-drivers-face-sticker-shock.html#ixzz1QoXCMN6e</a></p> <br /> <strong><em>Alot of people are pretty upset about this change.&nbsp; Will this create additional traffic for the rest of us?&nbsp; Let us know what you think? <a href="/default.aspx">Cliff Cottam Insurance Services.<br /> </a></em></strong>urn:uuid:38c53c57-3938-456d-81d5-385cc0e43512This article by Tony Bizak of the Sacramento Bee&nbsp;informs drivers of that a new law will&nbsp;affect California Drivers. &nbsp; Talk about sticker shock. On Friday, 85,000 heretofore privileged California solo drivers whose cars boast yellow "Acc...Thu, 30 Jun 2011 20:53:28 -0500<p>This article by Tony Bizak of the Sacramento Bee&nbsp;informs drivers of that a new law will&nbsp;affect California Drivers.<br /> &nbsp;<br /> Talk about <a href="http://topics.sacbee.com/sticker+shock/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">sticker shock.</a></p> <p>On Friday, 85,000 heretofore privileged California solo drivers whose cars boast yellow "Access OK" decals will no longer be allowed to use the state's carpool lanes during commute hours.</p> <p>The six-year program that helped popularize the <a href="http://topics.sacbee.com/Toyota+Prius/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Toyota Prius</a> and other hybrid gas-electric vehicles is ending, leaving some yellow sticker owners unsettled and angry. </p> <p> "I will definitely be grumpy Friday morning," said Shannon Genzel, who lives in Elk Grove.&nbsp; She drops her son off in Carmichael, then heads back downtown in her <a href="http://topics.sacbee.com/Honda+Civic+hybrid/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Honda Civic hybrid,</a> saving more than an hour daily flying solo in diamond lanes.</p> <p>She recently took time off from work to test alternative routes and will bring music CDs Friday to stay mellow if she gets caught in traffic.</p> <p>The author of the landmark program, Sen. Fran Pavley, D-Agoura Hills, says she has been getting calls from upset sticker owners, but points out the program was never meant to last forever.</p> <p ><br /> Read more: <a href="http://www.sacbee.com/2011/06/30/3737658/hybrid-drivers-face-sticker-shock.html#ixzz1QoXCMN6e" style="color: #003399;">http://www.sacbee.com/2011/06/30/3737658/hybrid-drivers-face-sticker-shock.html#ixzz1QoXCMN6e</a></p> <br /> <strong><em>Alot of people are pretty upset about this change.&nbsp; Will this create additional traffic for the rest of us?&nbsp; Let us know what you think? <a href="/default.aspx">Cliff Cottam Insurance Services.<br /> </a></em></strong>urn:uuid:0ab1c642-1543-4c2a-a21d-d490ca96c232<img src='http://www.ccisca.com/img/~www.ccisca.com/cruisers-yachts-520-sports-coupe-sport-boat-2008%5B1%5D.jpg' align='left' /> Thank you American Agents Alliance for these great boating tips! Last week we finally welcomed the first official day of summer! With that, comes the promise of participating in many water-related activities including swimming, surfing, and boati...Thu, 30 Jun 2011 13:36:32 -0500<p style="text-align: center;"><img alt="" style="width: 192px; height: 110px;" src="/img/~www.ccisca.com/cruisers-yachts-520-sports-coupe-sport-boat-2008%5B1%5D.jpg"></img> </p> <div style="text-align: center;">Thank you American Agents Alliance for these great boating tips!</div> <p style="text-align: center;"> </p> <p>Last week we finally welcomed the first official day of summer! With that, comes the promise of participating in many water-related activities including swimming, surfing, and boating. But how safe are people when basking in the glow of summer fun while participating in these popular events?</p> <p>This is the perfect time to advise boaters to take necessary precautions to be safe during the summer season, the time of year when boat accident claims increase in frequency by 45 percent, according to a recent analysis of claims incidence at Travelers, a leading provider of boat and yacht insurance.</p> <p>"Substantially more people are on the water during the summer, so that is the time boaters should be extra careful to protect their family, friends and watercraft from a loss,&rdquo; says Travelers. &ldquo;It&rsquo;s also a good time to review your boat and yacht insurance with an independent agent to be sure you have adequate coverage.&rdquo;</p> <p>&bull; <strong>Wear a life jacket:</strong> 80 percent of drowning victims were not wearing a PFD (Personal Flotation Device) or life jacket. Most states require that children under a certain age wear a life jacket and that every boat be equipped with one life jacket per passenger.</p> <p>&bull; <strong>Take a boating course:</strong> Even if your state does not mandate the completion of a boating course prior to obtaining your boating license, both you and your passengers will benefit from a formalized course. To learn more about boating safety classes, visit http://cgaux.org/boatinged/.</p> <p>&bull; <strong>Schedule a vessel safety check:</strong> The Coast Guard auxiliary offers free safety checks. For more information, visit www.vesselsafetycheck.org/getvsc or call 1-800-368-5647.</p> <p>&bull; <strong>Equip your boat with an emergency kit</strong> and be familiar with how to use each of the items. Travelers recommends including the following: fire extinguisher, first aid kit, visual distress signal and/or a Coast Guard-approved throwable PFD, such as a life ring or a horseshoe. Organize an emergency plan and make sure that passengers are familiar with it. Remember to test equipment and be knowledgeable of the suggested guidelines for usage and replacement.</p> <p>&bull; <strong>Be prepared for the weather:</strong> Check the weather forecast before going on the water and be equipped for changes.<br /> <br /> &bull; <strong>Know where you are: </strong> The Coast Guard recommends having charts, a GPS (Global Positioning System) and a reliable means of communication on board.</p> <p>&bull; <strong>Know how to contact the Coast Guard:</strong> Marine radio is the preferred method to communicate on the water because it broadcasts to other boaters in the vicinity. If using a cell phone on the water, test it for a maritime emergency by dialing *CG (*24). There is no charge or penalty for calling to test the signal.</p> <p>&bull; <strong>Do not drink and drive:</strong> According to the Coast Guard, a boat operator with a blood alcohol level of .10 percent is 10 times more likely to be killed in a boating accident than a boat operator with a blood alcohol level of zero. Operating a boat while drinking is illegal in several states. Remember that the effects of alcohol are exacerbated when combined with sun exposure and being on the water.<br /> <br /> <strong>All of us at&nbsp;</strong><a href="/contact.aspx"><strong>Cliff Cottam Insurance Services</strong></a><strong>&nbsp;want to wish everyone a Happy Fourth of July! We also would like to remind everyone that when they are out having a good time on the rivers and lakes celebrating to remember the above&nbsp;</strong><a href="/boat/watercraft_insurance_quote.aspx"><strong>boating</strong></a><strong> tips.</strong></p>urn:uuid:cecefeae-1aff-4073-ad6d-278519d69ee6We found this interesting&nbsp;article from the Sacramento Bee that will help many people who have a car, but don't choose to drive for various reasons.&nbsp;&nbsp; By Mark Glover mglover@sacbee.com Ever wish you had a personal driver to take you a...Wed, 29 Jun 2011 11:19:07 -0500<p>We found this interesting&nbsp;article from the Sacramento Bee that will help many people who have a car, but don't choose to drive for various reasons.&nbsp;&nbsp;<br /> <br /> By Mark Glover<br /> <a href="mailto:mglover@sacbee.com">mglover@sacbee.com</a><br /> <br /> Ever wish you had a personal driver to take you around town in your own car?</p> <p>A new business in Roseville is betting that enough area residents have that wish to create a profitable enterprise.</p> <p>Granite Bay resident Mike Dumke left the real estate investment development game to create Driver Please Inc., through which customers essentially rent the services of a screened driver. </p> <p> "It's an alternative for people who think a limo, a town car or a taxi are too expensive," said Dumke, 45. "We're offering freedom and affordable, safe transportation &hellip; and (customers) can avoid parking costs and traffic and other hassles."</p> <p>Dumke said the idea came to him more than a decade ago when his job required a lot of traveling in the <a href="http://topics.sacbee.com/Bay+Area/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Bay Area.</a> He said he became frustrated with the high cost of specialized transportation and pondered the idea of reversing the process &ndash; sending a qualified driver to clients who turn over their own cars.<br /> Read more: <a href="http://www.sacbee.com/2011/06/29/3734505/with-roseville-based-service-you.html#ixzz1QgKcBb3f" style="color: #003399;">http://www.sacbee.com/2011/06/29/3734505/with-roseville-based-service-you.html#ixzz1QgKcBb3f</a><br /> <br /> <strong><em>We at </em></strong><a href="http://www.ccisca.com/contact.aspx"><strong><em>Cliff Cottam Insurance</em></strong></a><strong><em> will shop the top insurance carriers to get you the best rates and right coverage.&nbsp;Call&nbsp;us&nbsp;or complete our easy </em></strong><a href="http://www.ccisca.com/automobile/quick_insurance_quote.aspx"><strong><em>Get a Quote </em></strong></a><strong><em>form today! <span style="font-size: 13px;">(800) 807-6871</span>&nbsp; </em></strong></p>urn:uuid:c901bd8d-7690-4387-8970-3e57d4cfa12a<img src='http://www.ccisca.com/img/Library/Fun%20Images/Flying%20Gas%20Can.jpg' align='left' /> The slings and arrows of the economy apparently have cut into the Fourth of July travel plans of some Californians. AAA on Monday projected that more than 4.6 million Californians will travel 50 miles or more from their homes over the three-day holi...Tue, 28 Jun 2011 16:30:11 -0500<p > <img alt="" style="width: 206px; height: 141px;" src="/img/Library/Fun%20Images/Flying%20Gas%20Can.jpg"></img>The slings and arrows of the economy apparently have cut into the Fourth of July travel plans of some Californians.</p> <p>AAA on Monday projected that more than 4.6 million Californians will travel 50 miles or more from their homes over the three-day <a href="http://topics.sacbee.com/holiday+weekend/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">holiday weekend,</a> a 2.3 percent decrease from last year. AAA blamed high <a href="http://topics.sacbee.com/gas+prices/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">gas prices,</a> high <a href="http://topics.sacbee.com/unemployment/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">unemployment</a> and an unstable economy.</p> <p>"Travelers are definitely feeling the budgetary squeeze this year," said AAA Northern California spokeswoman Cynthia Harris. "Although some Californians may be postponing their travel plans, many others are bucking the economic headwinds by opting for shorter vacations and by cutting back on travel expenditures in order to afford a weekend getaway." </p> <p> Over the past eight weeks, California motorists have gotten a break with slowly declining <a href="http://topics.sacbee.com/gasoline+prices/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">gasoline prices,</a> but AAA noted that Monday's statewide average of $3.83 a gallon for regular unleaded is still 70 cents above this time last year.</p> <p>AAA officials also speculated that many Californians are cutting back after stretching their budgets ,,, Read more: <a href="http://www.sacbee.com/2011/06/28/3731700/economy-still-high-gas-prices.html#ixzz1QblhyJsD" style="color: #003399;">http://www.sacbee.com/2011/06/28/3731700/economy-still-high-gas-prices.html#ixzz1QblhyJsD</a><br /> <br /> <strong><em>To help you with your driving costs,&nbsp;we will be giving away a $25 ARCO Gift Card.&nbsp;&nbsp;Simply&nbsp;'like us' on&nbsp;facebook to enter!&nbsp;Click here now!&nbsp;</em></strong><a href="http://www.facebook.com/fbccisca?v=app_4949752878"><strong><em>http://www.facebook.com/fbccisca?v=app_4949752878</em></strong></a></p>urn:uuid:042f8663-1c29-41d1-ac45-0177ebd2c02a<img src='http://media.sacbee.com/smedia/2011/05/27/07/AOC_HiFolsom_277w.embedded.prod_affiliate.4.jpg' align='left' />Wishing you a great Independence Day!&nbsp; Here is an article from the Sacramento Bee about getting to Folsom Lake early if you want a parking space. &nbsp;By Bill Lindelof With Folsom Lake nearly filled to the brim, parking spaces at many of t...Tue, 28 Jun 2011 16:08:31 -0500<p>Wishing you a great Independence Day!&nbsp; Here is an article from the Sacramento Bee about getting to Folsom Lake early if you want a parking space.<br /> <br /> <br /> <br /> </p> <p style="text-align: center;"><img width="316" height="211" style="width: 240px; height: 176px;" alt="Folsom Lake Full for Memorial Day" src="http://media.sacbee.com/smedia/2011/05/27/07/AOC_HiFolsom_277w.embedded.prod_affiliate.4.jpg"></img></p> <div style="text-align: left;">&nbsp;By Bill Lindelof<br /> With <a href="http://topics.sacbee.com/Folsom+Lake/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Folsom Lake</a> nearly filled to the brim, parking spaces at many of the popular beaches and boating spots will be at a premium this Fourth of July weekend.</div> <p>State park and marina managers are recommending that anyone coming to the lake arrive early because many parking spaces are under water. Submerged parking means that some spots, such as Brown's Ravine and Granite Bay, will be closed early due to a lack of parking spaces for visitors.</p> <p>Water is high, blue and clean. But parking spaces will go fast at the Folsom Lake Marina at Brown's Ravine where 675 boats were in the slips. </p> <p> "It's a good year," said <a href="http://topics.sacbee.com/Ken+Christensen/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Ken Christensen,</a> marina manager. "We have the warm temperature and water is up real good. We are packed every weekend. I recommend that people come early and with patience. With the lake about four feet from the top, we lose a lot of parking when the lake gets up high."</p> Read more: <a href="http://www.sacbee.com/2011/06/28/3733333/folsom-lake-parking-at-premium.html#ixzz1QbXs2eRV" style="color: #003399;">http://www.sacbee.com/2011/06/28/3733333/folsom-lake-parking-at-premium.html#ixzz1QbXs2eRV</a><br /> <strong><em><br /> Whether you are out on the water occasionally or most every day, any owner should have</em></strong><a href="http://www.ccisca.com/boat/watercraft_insurance_quote.aspx"><strong><em> boat insurance</em></strong></a><strong><em>. Boat damage can cost thousands of dollars so don&rsquo;t let your savings go overboard. Let CCIS make sure you are fully protected! <a href="http://www.ccisca.com/contact.aspx">Contact Us </a>today! (800) 807-6871</em></strong>urn:uuid:bbe01134-c294-4c99-ae03-a5b7a595804a<img src='http://www.ccisca.com/img/~www.ccisca.com/CCIS%20Newsletters/bike-and-car-sign%5B1%5D.jpg' align='left' />By Tony Bizjak&nbsp; The smackdown came, as they often do, out of nowhere.&nbsp; "I remember being on my bike. I remember the car coming at me, and I remember being on the ground cussing," Tricia Hedahl said. Hedahl of Sacramento, a serious cycl...Mon, 27 Jun 2011 16:18:31 -0500<p>By Tony Bizjak&nbsp; </p> <p style="text-align: center;"><img alt="" style="width: 225px; height: 130px;" src="/img/~www.ccisca.com/CCIS%20Newsletters/bike-and-car-sign%5B1%5D.jpg"></img> <div style="text-align: left;"></div> </p> <p>The smackdown came, as they often do, out of nowhere.&nbsp; "I remember being on my bike. I remember the car coming at me, and I remember being on the ground cussing," Tricia Hedahl said. </p> <p>Hedahl of Sacramento, a serious cyclist, got hit by a left-turning vehicle at 27th and H streets a week ago. Her souvenir: a broken leg.&nbsp; It could have been worse. Two cyclists have been killed on H and J streets near <a href="http://topics.sacbee.com/Sacramento+State/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Sacramento State</a> in the last few years.</p> <p>But Hedahl's crash offers a distinct, even ironic, message. Hedahl is executive director of Sacramento Area Bicycle Advocates, the region's main bike safety and advocacy group.&nbsp; Hedahl said she isn't sure yet what perspective to put on the crash.&nbsp; "There has to be a lesson in this. I don't know what yet."</p> <p>The car driver told police she didn't see Hedahl. Another car had just passed, possibly obscuring the driver's view of Hedahl.Police spokesman Norm Leong said the driver shouldn't have turned until the intersection was clear. Police, though, did not cite the driver.<br /> <br /> Read more: <a href="http://www.sacbee.com/2011/06/27/3729137/back-seat-driver-collision-wont.html#ixzz1QVog19hL" style="color: #003399;">http://www.sacbee.com/2011/06/27/3729137/back-seat-driver-collision-wont.html#ixzz1QVog19hL</a></p> <br /> <br /> <strong><em>We all need to really pay attention to our surroundings when sharing the road.&nbsp; It is also important that&nbsp;you are protected should an accident occur.&nbsp; If you&nbsp;would like to get a free no obligation&nbsp;<a href="/automobile/quick_insurance_quote.aspx">auto quote</a></em></strong><strong><em>, </em></strong><a href="http://www.ccisca.com/contact.aspx"><strong><em>contact us </em></strong></a><strong><em>at <span style="font-size: 16px;">(800) 807-6871</span> today!</em></strong><br />urn:uuid:83077982-e13f-4804-9f95-fcee8486f29dOf the many possible disasters that could befall Californians, Golden State residents fear earthquakes the most, according to a recent poll. Statewide, 57 percent of voters cite earthquakes as their greatest threat from nature, more than twice the pr...Mon, 27 Jun 2011 14:50:16 -0500<p>Of the many possible disasters that could befall Californians, Golden State residents fear earthquakes the most, according to a recent poll. Statewide, 57 percent of voters cite earthquakes as their greatest threat from nature, more than twice the proportion saying wildfires (23 percent), which is mentioned next most often.</p> <p>Those fears were followed by tsunami or tidal waves (9 percent), and floods and mudslides (5 percent), the field poll indicated. Of course, fears were influenced by where a voter lived. Earthquake fears were greater in the San Francisco Bay Area (76 percent) and Los Angeles County (66 percent). In other parts of California, earthquakes were mentioned, but fears of wildfire ranked a close second, according to the poll.</p> <p>The poll, conducted by Field Research Corp. of San Francisco, indicated that Californians believe a major earthquake is more likely to occur in the coming decade than they&rsquo;ve felt this way in the past. Fifty-six percent of voters now expect an earthquake causing major damage to occur in their area in the next 10 years. Five years ago, only 40 percent of California voters felt that way, the poll indicated.</p> <p>&ldquo;Californians are right to worry about the next &lsquo;big one,&rsquo;&rdquo; said Glenn Pomeroy, CEO of the California Earthquake Authority. He noted that the U.S. Geological Survey predicts a 99.7 percent chance that a magnitude 6.7 earthquake will strike in California in the next 30 years. Additionally, a recent U.S. Bureau of Labor and Statistics</p> &nbsp;... Read more: <a href="http://www.insurancejournal.com/news/west/2011/06/24/203824.htm">http://www.insurancejournal.com/news/west/2011/06/24/203824.htm</a><br /> <br /> <strong><em><span style="color: #953734;">To find how much an Earthquake Policy would cost,&nbsp;<a href="/contact.aspx">contact</a> CCIS for a <a href="/earthquake/insurance_quote.aspx">fast&nbsp;free quote </a>today!<br /> </span></em></strong>urn:uuid:b471eab0-a7af-44c9-bacf-c9f05a3bd5e0<img src='http://smilebox.com/snap/4d6a55304e6a55354e7a453d0d0a.jpg' align='left' />The Cliff Cottam Insurance team thanks the&nbsp;Robles-Young family for this fun slideshow!&nbsp; This&nbsp;proves the average person can sucessfully remodel in a cost effective way! ...Sun, 26 Jun 2011 10:42:17 -0500<strong>The <a href="/contact.aspx">Cliff Cottam Insurance </a>team thanks the&nbsp;Robles-Young family for this fun slideshow!&nbsp; This&nbsp;proves the average person can sucessfully remodel in a cost effective way!</strong> <br /> <table style="background-color: #ffffff;" border="0" cellspacing="0" cellpadding="0"> <tbody> <tr> <td><a href="http://smilebox.com/play/4d6a55304e6a55354e7a453d0d0a&amp;blogview=true&amp;campaign=blog_playback_link" target="_blank"><img style="border-color: currentcolor; width: 320px; height: 230px;" alt="Click to play this Smilebox slideshow" src="http://smilebox.com/snap/4d6a55304e6a55354e7a453d0d0a.jpg"></img></a></td> </tr> <tr> <td><a href="http://www.smilebox.com/?partner=yahoo&amp;campaign=blog_snapshot" target="_blank"><img width="420" height="46" style="border: currentcolor;" alt="Create your own slideshow - Powered by Smilebox" src="http://www.smilebox.com/globalImages/blogInstructions/blogLogoSmilebox.gif"></img></a></td> </tr> <tr> <td align="center">Create a <a href="http://www.smilebox.com/slideshows.html" target="_blank">free photo slideshow</a></td> </tr> </tbody> </table>urn:uuid:52dd4ba0-2195-4e82-a010-b02c09c0eb3c<img src='http://www.ccisca.com/img/Library/Carriers/mercurylogo.gif' align='left' /> Extend the life of your vehicle for up to six years or 100,000 miles How many times have you heard stories about cars breaking down right after the warranty expires? With Mechanical Breakdown Protection from Mercury, you can rest easy knowing you ...Sat, 25 Jun 2011 23:26:37 -0500<em><img alt="" src="/img/Library/Carriers/mercurylogo.gif"></img><br /> <br /> Extend the life of your vehicle for up to six years or 100,000 miles </em> <p style="text-align: left;"><em>How many times have you heard stories about cars breaking down right after the warranty expires? With Mechanical Breakdown Protection from Mercury, you can rest easy knowing you are covered. The rates are among the lowest in the industry and typically beat the car dealer rates. <br /> </em><br /> Mercury&rsquo;s Mechanical Breakdown Protection Plans extend coverage to virtually all mechanical and electrical components of your vehicle. They are available for both new and pre-owned vehicles, and coverage is transferable if you sell your vehicle before your agreement expires - - providing added resale value. </p> <p style="text-align: left;"> </p> <h3 style="margin: auto 0in;"><a href="http://www.ccisca.com/contact.aspx"><em>Contact us </em></a><em>today to find out more! (800) 807-6871</em></h3>urn:uuid:f7eb8044-fbed-49fe-92fb-68deab960137<img src='http://photos-f.ak.fbcdn.net/hphotos-ak-snc6/263956_242098395816290_182566318436165_1006585_212629_s.jpg' align='left' /> &nbsp; In these tough economic times, everyone deserves&nbsp;a break.&nbsp;&nbsp; This&nbsp;month, Cliff Cottam Insurance Services is giving away a $25 ARCO Gift Card!&nbsp;&nbsp; &nbsp;To enter just like us on facebook.&nbsp;http://www.facebook.co...Fri, 24 Jun 2011 15:20:06 -0500<p style="text-align: center;"><img alt="" class="img" style="width: 319px; height: 133px;" src="http://photos-f.ak.fbcdn.net/hphotos-ak-snc6/263956_242098395816290_182566318436165_1006585_212629_s.jpg"></img></p> <div style="text-align: left;">&nbsp;</div> <p ><strong><span style="font-size: 16px;">In these tough economic times, everyone deserves&nbsp;a break.&nbsp;&nbsp; This&nbsp;month, Cliff Cottam Insurance Services is giving away a $25 ARCO Gift Card!&nbsp;&nbsp;<br /> </span></strong><br /> &nbsp;<strong>To enter just like us on facebook.&nbsp;</strong><a href="http://www.facebook.com/fbccisca?v=app_4949752878#!/fbccisca?sk=wall"><strong>http://www.facebook.com/fbccisca?v=app_4949752878#!/fbccisca?sk=wall</strong></a><strong>.&nbsp; Tag&nbsp;a friend or youself to be entered again!!&nbsp; <br /> <br /> <em>While your visiting us, why not let us go over your insurance needs. We know which insurance companies will fit your personal auto, home or business situation. This is our business and we know all the ins and outs of the confusing insurance world. If you can save money and keep the same coverage, why not give us a call for a<a href="/contact.aspx"> free consultation</a>.</em></strong> <strong>(800) 807-6871<br /> </strong><em><strong><br /> </strong></em></p>urn:uuid:e9ba2bce-e802-4b83-87f0-451c98ceba2d<img src='http://www.santamonicapropertyblog.com/wp-content/uploads/2010/11/foreclosure_house-300x199.jpg' align='left' />Thank you to&nbsp;About.com for bringing consumers great articles.&nbsp; Here is one by Elizabeth Weintraub! Question: Is My Vacant Home Covered by Insurance? A reader asks: "Our home is presently on the market as a short sale. Because my husba...Thu, 23 Jun 2011 11:49:44 -0500<div><b>Thank you to&nbsp;About.com for bringing consumers great articles.&nbsp; Here is one by Elizabeth Weintraub! <p style="text-align: center;"><a href="http://www.santamonicapropertyblog.com/wp-content/uploads/2010/11/foreclosure_house.jpg"><img alt="" width="300" height="199" title="foreclosure_house" class="alignnone size-medium wp-image-2382" src="http://www.santamonicapropertyblog.com/wp-content/uploads/2010/11/foreclosure_house-300x199.jpg"> <div style="text-align: left;"></div> </img></a></p> <div><br /> <br /> Question: Is My Vacant Home Covered by Insurance?</div> </b></div> <div>A reader asks: <i>"Our home is presently on the market as a <a href="http://homebuying.about.com/od/4closureshortsales/a/shortsalebasics.htm">short sale</a>. Because my husband got transferred to another state, we moved out several months ago. The short sale is taking forever to close. We've been waiting since April and now it is August. Last night, my agent called to say somebody had broken in to our house and stolen all of the appliances. Will the bank pay for this vandalism? Is my vacant home covered by insurance?"</i></div> <div><b>Answer: </b>I always warn clients that they shouldn't wait for a vacant home to be vandalized before checking their insurance policy. A little known fact is that most <a href="http://homebuying.about.com/od/hazardfireinsurance/qt/homeinsurance.htm">homeowner insurance</a> policies do not extend coverage on a vacant home for more than 30 days. <p>This means that if you've moved out more than 30 days ago, your home may no longer be insured, even though you may have paid the premium for your insurance policy. The verbiage is often in the fine print.</p> <p>&nbsp;</p> <h3>Short Sale or Foreclosure Vacant Homes and Insurance</h3> In short sale situations, often the bank will send out a representative from a preservation company to determine whether the home is vacant. Even if you just moved down the street, these people will change the locks and notify the bank that the home is vacant. The bank may or may not take out hard-to-find and expensive insurance to insure that vacant home. They send the bill to you. <p>&nbsp;</p> <h3>Types of Vandalism for Vacant Homes</h3> It's not unusual for a thug to cut off a <a href="http://homebuying.about.com/od/sellingahouse/qt/lockboxes.htm">lockbox</a> in the middle of the night and take it home to drill out the key. Then, the thieves can return in the light of day and walk right in the front door. They back up a truck and before you can say "police," they have loaded the truck with all of the appliances.A thief does not need to break into a home to cause damage. A thief can swipe, for example, the existing electrical panel and A/C compressor unit fairly easily because these items are generally located on the exterior of the home, in a side yard. <p>Sometimes kids, just for twisted fun, will throw... read morre: &nbsp;<a href="http://homebuying.about.com/od/hazardfireinsurance/f/Is-My-Vacant-Home-Covered-By-Insurance.htm">http://homebuying.about.com/od/hazardfireinsurance/f/Is-My-Vacant-Home-Covered-By-Insurance.htm</a><br /> <br /> <strong><em><span style="color: #953734;">If you need protection for your vacant property, we would be happy to help you.&nbsp; <a href="/contact.aspx">Call us </a>at 800 (807) 6871 to get your free quote today?<br /> </span></em></strong></p> </div>urn:uuid:33e6c2cd-aba6-4622-bcfc-93721c787f50We found this very informative article by&nbsp;April Dykman of Get Rich Slowly.org and are passing it on to you.&nbsp; California newspaper The Daily Breeze recently published an article about a man who was issued a $35 ticket for failing to come to...Thu, 23 Jun 2011 09:30:16 -0500<p style="font-size: 14px;"><em>We found this very informative article by&nbsp;April Dykman of Get Rich Slowly.org and are passing it on to you.</em>&nbsp;<br /> <br /> California newspaper <em>The Daily Breeze</em> recently published an <a href="http://www.dailybreeze.com/latestnews/ci_18211219?WT.qs_osrc=fxb-6564710" title="`California stops' are getting costly">article</a> about a man who was issued a $35 ticket for failing to come to a complete stop, which became a $234 ticket after added penalties. (State legislators have been adding new penalties, such as a &ldquo;state conviction fee,&rdquo; since 2009, thanks to a $10 billion budget deficit. The base fine for running a red light is $100 in Los Angeles County, for example, but after added penalties the ticket will cost a grand total of $480.)</p> <p style="font-size: 14px;">Even if you live in a state without these hefty additional penalties, the cost of a traffic violation doesn't end with the cost of the ticket. If you want to keep the infraction off your driving record, there's the added cost of a traffic school fee and the cost of the traffic school course. If you choose to pay the ticket and not attend driver's ed, your ticket might get even more expensive &mdash; you'll incur the long-term costs of higher <a href="http://www.getrichslowly.org/blog/2010/09/14/insurance-basics-how-car-insurance-works/?WT.qs_osrc=fxb-6564710" title=" Insurance Basics: How Car Insurance Works">auto insurance</a>.</p> <p style="font-size: 14px;"><strong>Violations can raise premiums by 50%</strong><br /> According to an <a href="http://www.insurance.com/auto-insurance/saving-money/car-insurance-violations.html?WT.qs_osrc=fxb-6564710" title="Car Insurance Violations">Insurance.com analysis</a> of more than 32,000 <a href="http://www.getrichslowly.org/blog/2010/08/24/insurance-basics-how-insurance-works/?WT.qs_osrc=fxb-6564710" title=" Insurance Basics: How Insurance Works">insurance policies</a>, drivers who purchased a one-car, single-driver policy in 2010 and had one violation on their record paid about 18% more on average than drivers without any violation. Drivers with two paid 34% more for their policy, while drivers with three violations paid a staggering 53% more for auto insurance than those with zero violations.</p> <p style="font-size: 14px;">The following are the average annual premiums paid, according to the analysis:</p> <ul> <li>No violations: $1,119</li> <li>One violation: $1,318</li> <li>Two violations: $1,497</li> <li>Three violations: $1,713</li> </ul> <p style="font-size: 14px;">Violations aren't equal in the eyes of the insurance company, of course. A speeding ticket might not bump up your premium much, but two in quick succession could and might even get you dropped by some insurers. More serious offenses, such as driving while intoxicated, will send your rates up even more. The Insurance.com analysis lists the following as violations that can raise your insurance rates:</p> <ul> <li>Speeding</li> <li>Driving under the influence</li> <li>Reckless driving</li> <li>Running red lights</li> <li>Failure to yield or stop</li> <li>Fleeing from police</li> <li>Driving the wrong way</li> <li>Improper passing</li> <li>Illegal u-turn</li> <li>Failure to use proper child restraint</li> </ul> <p style="font-size: 14px;">The cost of each type of violation will ... <br /> Read more: <a href="http://www.foxbusiness.com/personal-finance/2011/06/21/traffic-violations-and-your-auto-insurance/#ixzz1Q6oHiGMH" style="color: #003399;">http://www.foxbusiness.com/personal-finance/2011/06/21/traffic-violations-and-your-auto-insurance/#ixzz1Q6oHiGMH</a><br /> <br /> <em><strong><span style="color: #953734;">We at&nbsp;<a href="/contact.aspx">Cliff Cottam Insurance</a> will shop the top insurance carriers to get you the best rates and coverage.&nbsp; Give us a call or complete our easy <a href="/automobile/quick_insurance_quote.aspx">Get a Quote </a>form today!&nbsp; (800) 807-6871&nbsp;&nbsp;<br /> </span></strong></em></p>urn:uuid:cd8bc0dd-256b-4676-8925-b9c8c8223fbb<img src='http://www.ccisca.com/img/Library/Carriers/mercurylogo.gif' align='left' /> Renters insurance&nbsp;is an affordable way to protect your personal property and guard against costly liability claims. Let a&nbsp;CCIS agent&nbsp;assist we with getting Mercury&nbsp;renters coverage.&nbsp; And find you the discounts&nbsp;that yo...Tue, 21 Jun 2011 11:27:28 -0500<p> <img alt="" src="/img/Library/Carriers/mercurylogo.gif"></img><br /> <br /> <a href="/renters/insurance_quote.aspx">Renters insurance</a>&nbsp;is an affordable way to protect your personal property and guard against costly liability claims. Let a&nbsp;<a href="/contact.aspx">CCIS agent&nbsp;</a>assist we with getting Mercury&nbsp;renters coverage.&nbsp; And find you the discounts&nbsp;that you may be entitled to receive.</p> <h3>Protect your valuables</h3> <p>If you rent a house, condo or apartment, you have your own unique set of insurance needs. What happens if there's a fire? You may not have to replace your home, but you will need to replace your possessions and valuables. That's when you'll be glad you have Mercury Renters Insurance. We'll be there when you need us most, ready to lend a helping hand. Take a look at some of the coverages we offer and then talk to one of our friendly neighborhood agents. You'll be glad you did.</p> <ul> <li>Personal Property<br /> Provides coverage for your household items in the event of fire, theft or other covered loss.</li> <li>Additional Personal Property<br /> Provides additional coverage for antiques, fine art, jewelry and other valuables.</li> <li>Personal Liability Protection<br /> Pays for bodily injury or property damage caused to others as a result of a covered incident.</li> <li>Guest Medical Protection<br /> Pays medical expenses for your guests who are accidentally injured on your property.</li> <li>Workers' Comp Coverage<br /> Pays medical expenses for your personal part-time employees, such as gardeners, nannies or maids, who are injured on the job.</li> </ul> <p>*Coverage(s) may be subject to certain restrictions and limitations and may not be available in all states. Ask your local independent agent for more information.</p> <p>As a Mercury policyholder you may be eligible for a variety of discounts and we offer several just for renters like you.</p> <ul> <li> Multi-Policy (Auto + Renters)</li> <li> Gated Community</li> <li> Selecting a higher deductible</li> <li> Smoke Alarms</li> <li> Security Monitoring</li> </ul> <p><a href="/contact.aspx"><strong>Contact</strong></a><strong>&nbsp;Cliff Cottam Insurance Services for a fast, free quote today!&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br /> <span style="font-size: 16px;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(800) 807-6871</span></strong></p>urn:uuid:29f33e17-dc5c-4168-a084-1141c4eba744 If you are in the market for a new or used auto, it is almost always a good idea to check into the cost of insurance&nbsp;before finalizing your purchase. Generally speaking, expensive cars are also more costly to insure. Moreover, every vehicle has...Mon, 20 Jun 2011 20:33:25 -0500<h4></h4> <p>If you are in the market for a new or used auto, it is almost always a good idea to check into the cost of insurance&nbsp;before finalizing your purchase. Generally speaking, expensive cars are also more costly to insure. Moreover, every vehicle has a <a href="http://www.mercuryinsurance.com/tips/car-ratings.html">safety rating</a> that may affect the cost of your premium. As a Mercury agent we can&nbsp;give you <a href="/automobile/quick_insurance_quote.aspx">free rate quote</a>.</p> <p>Factory-installed safety features often qualify for premium discounts. For example, air bags, anti-lock brakes and anti-theft systems are the most common features that may earn you discounts on your insurance policy. Anti-lock brakes, in particular, often head the list of auto safety features. Certain states&mdash;such as <a href="http://www.mercuryinsurance.com/local/florida-insurance.html">Florida</a>, <a href="http://www.mercuryinsurance.com/local/new-jersey-insurance.html">New Jersey</a> and <a href="http://www.mercuryinsurance.com/local/new-york-insurance.html">New York</a> gives a discount for this feature. Daytime running lights may also qualify for a discount, as well as automatic seat belts. </p> <p>After-market installations of automatic seat belts, car alarms and anti-theft devices may also qualify for car safety discounts.</p> <p>In some states, a Vehicle Identification Number (VIN) window etching qualifies for a discount. After-market window etching, in particular, tends to be fairly inexpensive and is occasionally offered through local police departments as part of local vehicle theft prevention initiatives.</p> <p>Mercury Insurance offers discounts for car safety features. Talk to one of our<a href="/contact.aspx"> CCIS agents </a>today and ask for a <a href="/automobile/quick_insurance_quote.aspx">free rate quote</a>. At Mercury Insurance, our low rates are just the beginning.</p> <div class="index-button"><a href="http://www.mercuryinsurance.com/insurance-products/insurance-tips.html"></a></div>urn:uuid:b9b95897-d592-4c8f-b586-178ecb2246e9<img src='http://www.americancollectors.com/SiteData/images/Video%202%20wi/f63650d7e89f73f3/Video%202%20with%20Play%20Button.jpg' align='left' /> American Collectors Insurance is the nation's leading provider of collector vehicle and collectibles insurance. American Collectors Insurance specialty programs are designed to be innovative, flexible, and immediate.They&nbsp;are proud to offer: ...Mon, 20 Jun 2011 14:14:11 -0500<div class="TextItemContainer"> <div class="Normal" id="ctl03_ctl00_ctl00_ctl00_ctl00_ctl00_ctl01_ctl00_myDataList_ctl00_ShowTextAboveImage"> <div class="cms-textitemlist-detail" id="ctl03_ctl00_ctl00_ctl00_ctl00_ctl00_ctl01_ctl00_myDataList_ctl00_TextItemListDetail"> <p><strong>American Collectors Insurance</strong> is the nation's leading provider of <a href="http://www.americancollectors.com/Content/15">collector vehicle</a> and <a href="http://www.americancollectors.com/Content/17">collectibles insurance</a>. American Collectors Insurance specialty programs are designed to be innovative, flexible, and immediate.They&nbsp;are proud to offer:</p> <ul> <li><a href="http://www.americancollectors.com/Content/15">Classic car insurance</a> - Affordable, Agreed Value coverage for <a href="http://www.americancollectors.com/Content/15">collector cars</a>, <a href="http://www.americancollectors.com/Content/15">trucks</a> and <a href="http://www.americancollectors.com/Content/421">motorcycles</a> - any year may qualify. We also have competitive rates for <a href="http://www.americancollectors.com/Content/392">modified cars</a> (street rod, hot rod, rat rod, restomod, restorod and other customs). </li> <li><a href="http://www.americancollectors.com/Content/17">Collectibles insurance</a> - Most standard homeowner's insurance policies are not up to the task of protecting collectibles. Provide all of the collections in your household with specialized insurance. </li> <li><a href="http://www.americancollectors.com/Content/19">Towing and Labor for Collectors (TLC) Plan</a> - An economical &amp; robust emergency expense reimbursement plan, available exclusively to our policyholders! </li> <li><a href="http://www.americancollectors.com/Content/33">Collector Chronicles</a> - Dedicated to all things collectible! View the fabulous winners of our "My Cool Ride" weekly contest, our collector newsletters, locators for club &amp; hobby events nationwide, and much more.&nbsp; Visit them at&nbsp;&nbsp;<a href="http://www.americancollectors.com/">http://www.americancollectors.com/</a>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</li> </ul> </div> </div> </div> <p style="text-align: center;"><a href="http://www.americancollectors.com/Features-Benefits-for-Your-Collecting-Clients/607/"><img alt="" width="120" height="90" style="border-width: 0px; border-style: solid; vertical-align: top;" src="http://www.americancollectors.com/SiteData/images/Video%202%20wi/f63650d7e89f73f3/Video%202%20with%20Play%20Button.jpg"> <div style="text-align: left;"></div> </img></a></p>urn:uuid:4c6682f4-55a6-4158-8774-171d92604900<img src='http://www.ccisca.com/img/Library/home.jpg' align='left' />&nbsp; Wells Fargo Home Mortgage said Thursday that it will no longer make so-called reverse mortgage loans, citing unpredictable home values and restrictions that make it difficult to determine if borrowers can afford homeowners' insurance and ot...Sun, 19 Jun 2011 15:28:46 -0500<p>&nbsp;</p> <p style="text-align: center;"><img alt="" src="/img/Library/home.jpg"> <div style="text-align: left;"></div> </img></p> <p><a href="http://topics.sacbee.com/Wells+Fargo/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Wells Fargo</a> Home Mortgage said Thursday that it will no longer make so-called reverse mortgage loans, citing unpredictable <a href="http://topics.sacbee.com/home+values/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">home values</a> and restrictions that make it difficult to determine if borrowers can afford <a href="http://topics.sacbee.com/homeowners%27+insurance/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">homeowners' insurance</a> and other financial obligations.</p> <p>Reverse mortgages are typically sold to people over age 62 who want to access the equity in their homes for personal expenses, such as medical bills. But unlike <a href="http://topics.sacbee.com/home+equity+loans/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">home equity loans,</a> reverse mortgages don't have to be repaid until the homeowner sells the property or passes away.</p> <p>However, the housing downturn has made it harder for banks to gauge the trajectory of <a href="http://topics.sacbee.com/home+values/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">home values,</a> and thus how much they should loan. Foreclosures have contributed to falling home prices, often vaporizing the amount of equity that borrowers have in their home. In addition, reverse mortgages aren't subject to the same types of tests as traditional loans. Eligibility is determined by an FHA formula that calculates age and the home's appraised value. Seniors aren't subject to the same types of income and credit score restrictions that protect banks making traditional loans. Wells Fargo said that makes it difficult to figure out if seniors are able to afford <a href="http://topics.sacbee.com/property+tax/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">property tax</a> and <a href="http://topics.sacbee.com/homeowners%27+insurance/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">homeowners' insurance</a> payments. </p> <br /> Read more: <a href="http://www.sacbee.com/2011/06/16/3707000/wells-fargo-to-stop-making-reverse.html#ixzz1PktYGaBr" style="color: #003399;">http://www.sacbee.com/2011/06/16/3707000/wells-fargo-to-stop-making-reverse.html#ixzz1PktYGaBr</a><br /> <br /> <strong>The&nbsp;</strong><a href="/default.aspx"><strong>CCIS Team</strong></a><strong> are here to help you to protect&nbsp;your home, apartment, or condo.&nbsp; Call us at (800) 807-6871<br /> </strong>urn:uuid:da3204a5-087a-402d-aef4-f29e90dc5a61<img src='http://external.ak.fbcdn.net/safe_image.php?d=e3ca77f99eb9c438305c2924f74c8b9d&amp;w=130&amp;h=130&amp;url=http%3A%2F%2Fi1.ytimg.com%2Fvi%2FDOKuSQIJlog%2Fdefault.jpg' align='left' />Happy Father's Day from the Team at Cliff Cottam Insurance Services! We honor our Dad's for lending support , giving advice, solving a problem, or just having fun. Sit back and relax - - today is your day! Check out this fun video of "A Dad's Life...Sun, 19 Jun 2011 11:37:49 -0500<p style="text-align: center;"><span style="font-family: georgia; font-size: 16px;">Happy Father's Day from the Team at </span><a href="http://www.ccisca.com/default.aspx"><span style="font-family: georgia; font-size: 16px;">Cliff Cottam Insurance Services</span></a><span style="font-family: georgia;"><span style="font-size: 16px;">!</span> <br /> <br /> <span style="font-size: 16px;">We honor our Dad's for lending support , giving advice, solving a problem, or just having fun. Sit back and relax - - today is your day!<br /> <br /> <strong>Check out this fun video of "A Dad's Life"</strong> <br /> <br /> </span></span> </p> <p style="text-align: center;"><img alt="" class="img" src="http://external.ak.fbcdn.net/safe_image.php?d=e3ca77f99eb9c438305c2924f74c8b9d&amp;w=130&amp;h=130&amp;url=http%3A%2F%2Fi1.ytimg.com%2Fvi%2FDOKuSQIJlog%2Fdefault.jpg"></img></p> <div style="text-align: left;"> </div>urn:uuid:4670ce90-59ce-41b7-96c3-cad8b899d783<img src='http://www.news10.net/images/300/169/2/assetpool/images/110616125932_fallen-tree1.jpg' align='left' />SACRAMENTO, CA - When a tree falls and damages your property, who is responsible for the cleanup? Most of the time its you. "80 percent of the trees in an urban area like Sacramento exist on private property, therefore they are the responsibility of ...Fri, 17 Jun 2011 21:05:18 -0500<p>SACRAMENTO, CA - When a tree falls and damages your property, who is responsible for the cleanup? Most of the time its you.</p> <p>"80 percent of the trees in an urban area like Sacramento exist on private property, therefore they are the responsibility of the property owner," explains Joe Benassini, <a href="http://www.cityofsacramento.org/transportation/urbanforest/" target="_blank"><strong>Urban Forestry</strong></a> manager for the city of Sacramento. "They are not the responsibility of the city."</p> <p>This is something Lois Sheller <a href="http://www.news10.net/news/local/article/142141/2/Fallen-tree-woes-in-Natomas#" class="itxtrst itxtrsta itxthook" id="itxthook0" style="color: darkgreen; padding-bottom: 1px; font-size: 100%; font-weight: normal; text-decoration: underline; border-bottom-color: darkgreen; border-bottom-width: 0.07em; border-bottom-style: solid; background-color: transparent;" rel="nofollow">learned</a> the hard way late on June 12 when a large branch from her neighbor's tree came smashing down on her front yard fence.</p> <p>"I heard what sounded like someone scooting something up the driveway," Sheller said. "Oh my gosh the tree fell down!"</p> <p>Urban Forestry workers showed up the next day and cleared the debris that had completely blocked traffic in both directions on Hawk Ave. in Sacramento's south Natomas neighborhood. Workers also made a small clearing on the sidewalk right in front of Sheller's home. According to Benassini, the city is only responsible for damage caused by a privately-owned tree that affects city property.</p> <p>"Our job in a case like that is to ensure that the sidewalks are clear for safe passage of pedestrians and that roadways are clear for safe passage of traffic and emergency equipment," said Benassini.&nbsp; read more:&nbsp; <a href="http://www.news10.net/news/local/article/142141/2/Fallen-tree-woes-in-Natomas">http://www.news10.net/news/local/article/142141/2/Fallen-tree-woes-in-Natomas</a></p> <p style="text-align: center;"><img alt="" width="300" height="169" src="http://www.news10.net/images/300/169/2/assetpool/images/110616125932_fallen-tree1.jpg"> <div style="text-align: left;"></div> </img><br /> <br /> <br /> <strong><em>You just never know when you will be faced with a property loss.&nbsp; Make sure you are protected.&nbsp;&nbsp;Let one of our agents reevaluate your current </em></strong><a href="/homeowners/insurance_quote.aspx"><strong><em>homeowners insurance</em></strong></a><strong><em>.&nbsp;&nbsp;</em></strong><a href="/contact.aspx"><strong><em>Contact us</em></strong></a><strong><em> for a free consultation today!&nbsp; (800) 807-6871&nbsp;<br /> </em></strong></p>urn:uuid:2da9e66b-1bfd-4514-bd21-1f1c50b781c6Make sure your homeowners insurance has you covered incase anything may occur. Let someone on the Paradiso Team help you out today!By Rick Daysog May brought no relief for Sacramentans trying to sell their homes. The median price for a single family ...Thu, 16 Jun 2011 12:39:48 -0500<p>Make sure your <a href="http://www.paradisoinsurance.com/insurance-solutions/personal-insurance/home-insurance/"><strong>homeowners insurance</strong></a> has you covered incase anything may occur. Let someone on the Paradiso Team help you out today!By Rick Daysog<br /> <a href="mailto:rdaysog@sacbee.com"></a>May brought no relief for Sacramentans trying to sell their homes.</p> <p>The median price for a single <a href="http://topics.sacbee.com/family+home/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">family home</a> in <a href="http://topics.sacbee.com/Sacramento+County/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Sacramento County</a> dropped 11.6 percent in May from the same month of 2010, to $160,000, according to figures released Wednesday by <a href="http://topics.sacbee.com/DataQuick+Information+Service/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">DataQuick Information Service.</a></p> <p>"(There) wasn't much in the latest sales data to suggest the overall market will pull out of this rut anytime soon," said <a href="http://topics.sacbee.com/John+Walsh/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">John Walsh,</a> president of DataQuick. </p> <p> Median <a href="http://topics.sacbee.com/home+prices/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">home prices</a> in <a href="http://topics.sacbee.com/El+Dorado/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">El Dorado</a> and Yolo counties also posted double-digit percentage declines, but the drop in <a href="http://topics.sacbee.com/Placer+County/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Placer County</a> was less severe. </p> <p>The median price there was down 6.8 percent, to $255,000.</p> <p>For May, <a href="http://topics.sacbee.com/El+Dorado/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">El Dorado</a> County had the highest median price &ndash; $259,000 &ndash; but that was off 10.4 percent from the year-earlier period. Median price means half the homes sold above and half below the given price.<br /> <br /> Read more: <a href="http://www.sacbee.com/2011/06/16/3704424/home-prices-fell-in-may-for-sacramento.html#ixzz1PSdgWDPN" style="color: #003399;">http://www.sacbee.com/2011/06/16/3704424/home-prices-fell-in-may-for-sacramento.html#ixzz1PSdgWDPN</a><br /> <br /> If you are looking to purchase a <a href="/homeowners/insurance_quote.aspx">home</a>, make sure you have the protection&nbsp;for you property.&nbsp; Let one of our <a href="/contact.aspx">CCIS representives </a>help you out today!<br /> <br /> <br /> (<strong><span style="font-size: 16px;">800) 807-6871<br /> </span></strong></p>urn:uuid:6486d74b-6f60-4926-8adb-bf039b7dc07eBoaters enjoy the feel of sun and spray. So it&rsquo;s tempting to boat without wearing a life jacket &ndash; especially on nice days. But modern life jackets are available in a wide variety of shapes, colors, and sizes. Many are thin and flexible. S...Tue, 14 Jun 2011 18:13:19 -0500<p>Boaters enjoy the feel of sun and spray. So it&rsquo;s tempting to boat without wearing a life jacket &ndash; especially on nice days. But modern life jackets are available in a wide variety of shapes, colors, and sizes. Many are thin and flexible. Some are built right into fishing vests or hunter coats. Others are inflatable &mdash; as compact as a scarf or fanny pack until they hit water, when they automatically fill with air.<br /> <br /> There&rsquo;s no excuse not to wear a life jacket on the water!<br /> <br /> <a href="http://www.uscgboating.org/assets/1/Publications/howtochoosetherightlifejacket_brochure.pdf">How to Choose the Right Life Jacket Brochure - PDF</a></p> <h4>Things to Know:</h4> <ul> <li>Certain life jackets are designed to keep your head above water and help you remain in a position which permits proper breathing. </li> <li>To meet U.S. Coast Guard requirements, a boat must have a U.S. Coast Guard-approved Type I, II, III, or V life jacket for each person aboard. Boats 16 feet and over must have at least one Type IV throwable device as well.</li> </ul> <ul> <li>All states have regulations regarding life jacket wear by children.</li> <li>Adult-sized life jackets will not work for children. Special life jackets are available. To work correctly, a life jacket must be worn, fit snugly, and not allow the child&rsquo;s chin or ears to slip through.</li> </ul> <ul> <li> Life jackets should be tested for wear and buoyancy at least once each year. Waterlogged, faded, or leaky jackets should be discarded.</li> <li>Life jackets must be properly stowed.</li> <li>A life jacket &mdash; especially a snug-fitting flotation coat or deck-suit style &mdash; can help you survive in cold water.</li> </ul> <h4>How Do Life Jackets Save Lives?</h4> <ul> <li> When capsized in rough water.</li> <li> When sinking in unexpectedly heavy sea conditions.</li> <li> When thrown from the boat as a result of a collision.</li> <li> When injured by rocks or submerged objects.</li> <li> When unconscious from carbon monoxide fumes.</li> <li> When tossed into freezing water.</li> <li> When thrown off balance while fishing.</li> <li> When unable to swim because of heavy or waterlogged clothing.</li> </ul> <p> <br /> <em>All recreational boats must carry one wearable lifejacket (Type I, II, III or Type V lifejacket) for each person aboard. A Type V lifejacket provides performance of either a Type I, II, or III lifejacket (as marked on its label) and must be used according to the label requirements. Any boat 16ft and longer (except canoes and kayaks) must also carry one throwable lifejacket (Type IV lifejacket).</em></p> <p class="h3"><strong>Lifejackets must be</strong></p> <ul> <li class="textlistshort"><em>Coast Guard approved, </em></li> <li class="textlistshort"><em>in good and serviceable condition, and </em></li> <li class="textlistshort"><em>the appropriate size for the intended user.</em></li> </ul> <p class="h3"><strong>Accessibility</strong></p> <ul> <li class="textlistshort">Wearable lifejackets must be readily accessible.</li> <li class="textlistshort">You must be able to put them on in a reasonable amount of time in an emergency (vessel sinking, on fire, etc.).</li> <li class="textlistshort">They should not be stowed in plastic bags, in locked or closed compartments or have other gear stowed on top of them.</li> <li class="textlistshort">The best lifejacket is the one you will wear.</li> <li class="textlistshort">Though not required, a lifejacket should be worn at all times when the vessel is underway. A wearable lifejacket can save your life, but only if you wear it.</li> <li class="textlistshort">Throwable devices must be immediately available for use.</li> </ul> <p class="h3"><strong>Inflatable Lifejackets</strong></p> <ul> <li class="textlistshort">Inflatable lifejackets may be more comfortable to wear.</li> <li class="textlistshort">The best lifejacket is the one you will wear.</li> <li class="textlistshort">Inflatable lifejackets require the user to pay careful attention to the condition of the device.</li> <li class="textlistshort">Inflatable lifejackets must have a full cylinder and all status indicators on the inflator must be green, or the device is NOT serviceable, and does NOT satisfy the requirement to carry lifejackets.</li> <li class="textlistshort">Coast Guard Approved Inflatable lifejacket's are authorized for use on recreational boats by person at least 16 years of age.</li> </ul> <p class="h3"><strong>Child Lifejacket Requirements</strong></p> <p class="bodyfont">Some states require that children wear lifejackets</p> <ul> <li class="textlistshort">applies to children of specific ages</li> <li class="textlistshort">applies to certain sizes of boats</li> <li class="textlistshort">applies to specific boating operations</li> </ul> <p class="bodyfont">Check with your state boating safety officials.</p> <p class="bodyfont">Child lifejacket approvals are based on the child's weight. Check the "User Weight" on the label, or the approval statement that will read something like "Approved for use on recreational boats and uninspected commercial vessels not carrying passengers for hire, by persons weighing __ lbs". They can be marked "less than 30", "30 to 50", "less than 50", or "50 to 90".</p> <p class="h3"><strong>Lifejacket</strong><strong> requirements for certain boating activities under state laws</strong></p> <p class="bodyfont">The Coast Guard recommends and many states require wearing lifejackets:</p> <ul> <li class="textlistshort">For water skiing and other towed activities (use a lifejacket marked for water skiing).</li> <li class="textlistshort">While operating personal watercraft (PWC) (use a lifejacket marked for water skiing or PWC use).</li> <li class="textlistshort">During white water boating activities.</li> <li class="textlistshort">While sailboarding (under Federal law, sailboards are not "boats").</li> </ul> <p class="bodyfont">Check with your state boating safety officials.</p> <p class="bodyfont">Federal law does not require lifejackets on racing shells, rowing sculls, racing canoes, and racing kayaks; state laws vary. Check with your state boating safety officials.</p> <p class="bodyfont">If you are boating in an area under the jurisdiction of the Army Corps of Engineers, or a federal, state, or local park authority, other rules may apply.</p> <p class="h3"><strong>Lifejacket Flotation</strong></p> <p class="bodyfont">There are three basic kinds of lifejacket flotation in the five types of lifejackets with the following characteristics:</p> <p class="h3"><strong>Inherently Buoyant (primarily Foam)</strong></p> <ul> <li class="textlistshort">Adult, Youth, Child, and Infant sizes</li> <li class="textlistshort">For swimmers &amp; non-swimmers</li> <li class="textlistshort">Wearable &amp; throwable styles</li> <li class="textlistshort">Some designed for water sports</li> </ul> <p>&nbsp;</p> <table width="80%" align="center" class="bodyfont" border="1" cellspacing="1" cellpadding="1" summary="Table shows minimum buoyancy for PFDs"> <tbody> <tr> <td align="center" class="bodyfont" style="background-color: #ffffcc;" colspan="3"><strong>Minimum Buoyancy</strong></td> </tr> <tr class="bodybold"> <th width="30%" height="27" id="header1" valign="top">Wearable Size</th> <th width="18%" height="27" id="header2" valign="top">Type</th> <th width="52%" height="27" id="header3">Inherent Buoyancy (Foam)</th> </tr> <tr class="body"> <td valign="top" headers="header1">Adult</td> <td headers="header2">I<br /> II &amp; III<br /> V</td> <td headers="header3">22 lb.<br /> 15.5 lb.<br /> 15.5 to 22 lb.</td> </tr> <tr class="body"> <td valign="top" headers="header1">Youth</td> <td headers="header2">II &amp; III<br /> V</td> <td headers="header3">11 lb.<br /> 11 to 15.5 lb.</td> </tr> <tr class="body"> <td headers="header1">Child and Infant</td> <td headers="header2">II</td> <td headers="header3">7 lb.</td> </tr> <tr class="body"> <td headers="header1"><strong>Throwable:</strong><br /> Cushion<br /> Ring Buoy</td> <td valign="middle" headers="header2">IV</td> <td class="bodyfont" valign="bottom" headers="header2">20 lb.<br /> 16.5 &amp; 32 lb.</td> </tr> </tbody> </table> <p class="h3"><strong><br /> Inflatable</strong></p> <ul> <li class="textlistshort">The most compact</li> <li class="textlistshort">Sizes only for adults</li> <li class="textlistshort">Only recommended for swimmers</li> <li class="textlistshort">Wearable styles only</li> <li class="textlistshort">Some with the best in-water performance</li> </ul> <p> </p> <table width="80%" align="center" class="bodyfont" border="1" cellspacing="1" cellpadding="1" summary="Table shows minimum buoyancy for Inflatable pfd's."> <tbody> <tr> <td align="center" class="bodyfont" style="background-color: #ffffcc;" colspan="3"><strong>Minimum Buoyancy</strong></td> </tr> <tr class="bodybold"> <th width="30%" height="27" id="header1" valign="top">Wearable Size</th> <th width="18%" height="27" id="header2" valign="top">Type</th> <th width="52%" height="27" id="header3">Inherent Buoyancy</th> </tr> <tr class="body" valign="top"> <td headers="header1">Adult</td> <td headers="header2">I &amp; II<br /> III<br /> V</td> <td headers="header3">34 lb.<br /> 22.5 lb.<br /> 22.5 to 34 lb.</td> </tr> </tbody> </table> <p class="h3"><strong>Hybrid (Foam &amp; Inflation)</strong></p> <ul> <li class="textlistshort">Reliable</li> <li class="textlistshort">Adult, Youth, and Child sizes</li> <li class="textlistshort">For swimmers &amp; non-swimmers</li> <li class="textlistshort">Wearable styles only</li> <li class="textlistshort">Some designed for water sports</li> </ul> <li class="textlistshort">Some designed for water sports</li> <table width="80%" align="center" class="bodyfont" border="1" cellspacing="1" cellpadding="1" summary="Table shows minimum buoyancy for Hybrid pfd's."> <tbody> <tr> <td align="center" style="background-color: #ffffcc;" colspan="4"><strong>Minimum Buoyancy</strong></td> </tr> <tr class="bodybold"> <th width="28%" height="27" id="header1" valign="top">Wearable Size</th> <th width="16%" height="27" id="header2" valign="top">Type</th> <th width="25%" height="27" id="header3" valign="top">Inherent Buoyancy</th> <th width="31%" id="header4">Inflated Total Buoyancy</th> </tr> <tr class="body"> <td valign="top" headers="header1">Adult</td> <td headers="header2">II &amp; III <br /> V</td> <td headers="header3">10 lb<br /> 7.5 lb.</td> <td headers="header4">22 lb.<br /> 22 lb.</td> </tr> <tr class="body"> <td valign="top" headers="header1">Youth</td> <td headers="header2">II &amp; III <br /> V</td> <td headers="header3">9 lb<br /> 7.5 lb.</td> <td headers="header4">15 lb.<br /> 15 lb.</td> </tr> <tr class="body"> <td headers="header1">Child</td> <td headers="header2">II</td> <td headers="header3">7 lb.</td> <td headers="header4">12 lb.</td> </tr> </tbody> </table>urn:uuid:17417ca4-e86a-4b84-a1bb-78cf7a9e119b<img src='http://o.aolcdn.com/os/autos/photos/people/driving-car-backseat-view-612lm040210.jpg' align='left' /> &nbsp; Are you better off in a car with a male or female behind the wheel? The answer: It depends more on the person in question, but on the whole you're better off with the female. Last year, the New York Times published "Why You'd Rather Ride With...Mon, 13 Jun 2011 19:43:58 -0500<p style="text-align: center;"><img alt="" class="shwPostImg" id="img19762175" style="width: 246px; height: 160px;" src="http://o.aolcdn.com/os/autos/photos/people/driving-car-backseat-view-612lm040210.jpg"></img></p> <div style="text-align: left;">&nbsp;</div> <p><img alt="" id="vimage_3804199" style="margin: 4px; border: 0px solid currentcolor; float: left;" src="http://www.blogcdn.com/autos.aol.com/media/2011/01/2011-01-201238.png"></img>Are you better off in a car with a male or female behind the wheel? The answer: It depends more on the person in question, but on the whole you're better off with the female.</p> <p>Last year, the New York Times published <a href="http://freakonomics.blogs.nytimes.com/2010/03/17/why-youd-rather-ride-with-a-woman-than-a-man/" target="_blank">"Why You'd Rather Ride With a Woman Than a Man,"</a><a href="http://freakonomics.blogs.nytimes.com/2010/03/17/why-youd-rather-ride-with-a-woman-than-a-man/"> </a>part of a series by <a href="http://freakonomics.blogs.nytimes.com/author/eric-a-morris/" target="_blank">Freakanomics blogger Eric A. Morris</a> on the differences in the sexes behind the wheel all over the world. The articles support the following statement: men are more likely to ignore <a href="http://autos.aol.com/article/traffic-laws-to-watch/" class="injectedLinkmain">traffic laws</a>.</p> <p>Morris writes that men are three times more likely to honk their horns, more likely to "rudely gesture at or verbally abuse other drivers" and more likely to be involved in tragic, massive <a href="http://autos.aol.com/buying-guide/Safety/avoid-common-car-accidents/" class="injectedLinkmain">accidents</a> (on the road and off).</p> <p>Surprise, surprise. I could have told you that just from living six years on a Manhattan street two blocks from a strip of <a href="http://autos.aol.com/article/automatic-car-wash-tips/">car washes</a>, garages, <a href="http://shopping.aol.com/car-parts-accessories" class="injectedLinkmain" target="_blank">auto parts</a> stores and a <a href="http://autos.aol.com/cheap-gas-prices/" class="injectedLinkmain">gas station</a>. It's not Lisa or Jennifer racing and leaning on horns below my bedroom window at 3:30 AM during the summer, nor is it Betty whose front fender is half an inch from my rear end when I'm stuck behind a dented <a href="http://autos.aol.com/car-finder/style-van/" class="injectedLinkmain">minivan</a> doing 40 MPH on the West Side Highway.</p> <p>Growing up in a two-car family with two working parents, it was always better to ride with mom, who only had one fender-bender during my entire childhood.</p> <p>Dad, on the other hand, was probably one of the worst drivers in the state of New York, but not because he was aggressive, competitive or a risk-taker. He was just, like many drivers, clueless. When he lowered the car radio's volume knob, twisting it to the left, the car would veer over the double yellow line; if he raised it, the car would wander right towards the guardrail or the woods.</p> <p>As it turns out, Dad might have been an anomaly. The data shows that the reason why men tend to break the rules more is an ingrained sense of biology, reaching back to early concepts of male and female roles. The male brain, hard-wired to hunt and kill, favored the bold and the brave.&nbsp; Read more:<br /> <a href="http://autos.aol.com/article/men-women-safer-drivers/">http://autos.aol.com/article/men-women-safer-drivers/</a><br /> <br /> <strong><em>The debate goes on.&nbsp; Whatever you believe make sure you are&nbsp;protected</em></strong>.&nbsp; <strong><em>If you would like CCIS to give you a free <a href="/automobile/quick_insurance_quote.aspx">Auto Quote </a></em></strong><strong><em>contact us at (800) 807-6871 today!</em></strong></p>urn:uuid:881c5ec2-bd91-46ee-bbe1-6c2924553e42<img src='http://media.sacbee.com/smedia/2011/06/13/14/28/647-9VxqX.Em.55.jpg' align='left' /> &nbsp; By Mike Glover Local gasoline prices have fallen for the sixth consecutive week. Today's weekly report by SactoGasPrices.com, a GasBuddy.com website, said the average price of gas in the Sacramento area declined 4.8 cents to $3.86 per gallon...Mon, 13 Jun 2011 17:00:19 -0500<p style="text-align: center;"><img width="316" height="172" class="sc_sharable" alt="Economy" src="http://media.sacbee.com/smedia/2011/06/13/14/28/647-9VxqX.Em.55.jpg" ev_id="27"></img></p> <div style="text-align: left;">&nbsp;</div> <p>By Mike Glover<br /> <br /> Local <a href="http://topics.sacbee.com/Gasoline+prices/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">gasoline prices</a> have fallen for the sixth consecutive week.</p> <p>Today's weekly report by SactoGasPrices.com, a GasBuddy.com website, said the average price of gas in the Sacramento area declined 4.8 cents to $3.86 per gallon over the past week.</p> <p>Local prices are still 86 cents a gallon higher than they were at this last year, but they're down 30.5 cents from last month. </p> <p> Nationally, GasBuddy said prices also dipped 5 cents over the past week to settle at $3.71 a gallon - $1.01 higher than a year ago but down 23.3 cents from last month.</p> <p>Analysts cited declining crude oil prices.</p> <br /> <br /> Read more: <a href="http://www.sacbee.com/2011/06/13/3697249/gasoline-prices-continue-to-slide.html#ixzz1PCB3lTZs" style="color: #003399;">http://www.sacbee.com/2011/06/13/3697249/gasoline-prices-continue-to-slide.html#ixzz1PCB3lTZs</a><br /> <br /> <br /> <strong> We understand that most of us are facing difficult economic times that may affect your insurance decisions. We are committed to finding affordable insurance that provides protection for your biggest concerns. We will help you to assess your risks to find an insurance plan to meet your personal situation.&nbsp; Just give us a call for a </strong><a href="/contact.aspx"><strong>free consultation</strong></a><strong>.&nbsp; (800) 807-6871</strong>urn:uuid:bcb46e08-eb2b-4a8f-9a77-1eaa4ecdca1aBy Sarah Kolb The economy may be turning around, but there are still companies out there that are struggling, still looking for ways to cut costs without negatively impacting their day-to-day operations. Employers are beginning to breathe easier, but...Sun, 12 Jun 2011 19:05:05 -0500<p><em>By <a href="http://ezinearticles.com/?expert=Sarah_Kolb" target="_blank">Sarah Kolb</a></em></p> <p>The economy may be turning around, but there are still companies out there that are struggling, still looking for ways to cut costs without negatively impacting their day-to-day operations. Employers are beginning to breathe easier, but layoffs, pay cuts, and benefit reductions are still very real options, and cutting costs has never been a higher priority.</p> <p>As an employer, what can you do to cut costs other than laying off your workers? Sometimes, the little things can make the difference between keeping a good worker and decreasing your staff. Small cutbacks can combine into real savings, which can help your company -- all of you, together -- weather the tough times.</p> <p>Here are just a few ways to cut costs -- they may seem small, but every little bit helps!</p> <p><strong>Save Electricity</strong></p> <p>Employees, who typically are not privy to your company's electric bills, may not realize just how much small businesses pay to keep their place of business physically open. Encourage your employees to turn their computers off at the end of the day. Imagine what a difference turning off a roomful of computers overnight can make.</p> <p>Here's an example. Say you have eight computers in your office. In a typical 9-to-5 work environment, that's 16 hours of electricity you'd save, per computer, per evening. That's 640 unnecessary hours of computer run-time per <em>week</em> that you could be saving. See how things can add up?</p> <p>Another great way to save on electricity is installing motion lights in your office, break room, and even bathrooms. If you need a security light in your building, consider installing special lights that don't use as much electricity, and turning everything else off at night. Your new, reduced electricity bill might shock you.</p> <p><strong>Cut out the Disposables</strong></p> <p>Many workplaces have a break room, and break rooms are typically stocked with paper plates, plastic forks, and paper towels. To cut down on things that need frequent replacement, consider purchasing dishes. While this can be expensive, it doesn't have to be -- if you can spare 20 bucks, head over to your local Salvation Army and stock up. There are frequently gently used complete dish sets to be found on the cheap, and hilarious used coffee mugs are always an interesting conversation piece.</p> <p>Or, consider asking your employees to bring their own -- if you mention that you're cutting costs to avoid layoffs, are your employees likely to argue with you?</p> <p><strong>Eliminate the Extras</strong></p> <p>Many companies have a culture of providing happy hours, lunches, pizza parties, or other extras. But in tough times, those extras need to be the first to go. Again, your employees should be able to appreciate that their sacrifice is going toward a good cause -- enabling them to keep their job.</p> <p>If cuts of this type seem a little too drastic, you might try changing the structure of these extras to increase production. If you frequently offer a monthly lunch outing, consider turning it into a challenge -- the top five earners this month get to go out for lunch instead of the whole office. This will keep your costs down while keeping your employees focused on the bottom line.</p> <p>These are just a few examples of simple things you can do to cut costs around the office. Don't be intimidated by having to be the "bad guy" -- get your employees together, explain that your ultimate goal is to retain jobs, and ask them to help you brainstorm. If your staff knows where you're coming from, they should be eager to help out and sacrifice the little things.<br /> <br /> <strong><em><span style="color: #953734;">These are great tips from Manta.&nbsp; If you would like a free <a href="/contact.aspx">consultation </a>on insurance protection for your&nbsp;small business, ask us about our <a href="/business/bop_quote.aspx">Business Owners&nbsp;Policy </a>(BOP).&nbsp; This is insurance designed specifically for Small Business Owners.<br /> </span></em></strong></p>urn:uuid:319b42a0-a502-4a65-8876-f35eeaad70dd<img src='http://imgs.sfgate.com/graphics/investopedia/investopedia_articles.gif' align='left' /> Angie Mohr, provided by Copyright Investopedia. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.&nbsp;Insuring the contents of your apartment or house is an important step in protecting your assets. If...Sat, 11 Jun 2011 18:31:20 -0500<div class="embed-box"> <p>Angie Mohr, provided by<br /> <a href="http://www.investopedia.com/" style="text-decoration: none;" target="_blank"><img alt="" style="border-width: 0px; border-style: solid;" src="http://imgs.sfgate.com/graphics/investopedia/investopedia_articles.gif"></img></a></p> <p><a href="http://www.sfgate.com/cgi-bin/article.cgi?f=/g/a/2011/06/08/investopedia51434.DTL#license-/g/a/2011/06/08/investopedia51434.DTL" id="license-/g/a/2011/06/08/investopedia51434.DTL" style="display: none;" rel="item-license">Copyright Investopedia. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.</a><img alt="" width="1" height="1" style="display: none;" src="http://analytics.apnewsregistry.com/analytics/v2/image.svc/investopedia/RWS/www.sfgate.com/MAI/ga20110608investopedia51434.DTL/E/Prod"></img>&nbsp;Insuring the contents of your apartment or house is an important step in protecting your assets. If you own your home, contents insurance will be part of your overall house insurance. If you rent, it's still important to get contents insurance as your landlord's building policy will not cover your belongings. (For more on insurance <em><a href="http://www.investopedia.com/articles/pf/07/five_policies.asp?partner=sfgate">5 Insurance Policies Everyone Should Have</a></em><em>.</em>)</p> <p><strong>TUTORIAL: </strong><a href="http://www.investopedia.com/university/insurance/?partner=sfgate">Intro To Insurance</a></p> <p>Choosing the right policy and the right insurance company involves many factors, including what you have to insure, where you live and what insurance company options you have. If you choose the right policy, your assets will be completely protected from loss and you will be compensated quickly in the event of calamity. Here are five steps to getting the right policy.</p> <p><strong>1. Perform a proper valuation of your contents. </strong><strong><br /> </strong>When writing your policy, your insurance agent will ask you to estimate the value of your belongings. If you combine contents insurance with a house policy, the contents portion is often valued at a percentage of the house value. Anything but a detailed valuation of your assets may leave you underinsured or paying <a href="http://www.investopedia.com/terms/p/premium.asp?partner=sfgate">premiums</a> that are too high. That doesn't mean that you have to take every drinking glass and side table to an appraiser. You should, however, list out your assets and give them a reasonable value - both what you think they are worth now and what it would cost to replace them.</p> <p><strong>2. Understand the limitations of your coverage.</strong><br /> Regardless of the contents policy you settle on, it will not cover every loss situation or every asset. To be a smart insurance consumer, read the details of the policy before signing on the bottom line; don't just rely on what the agent tells you. All that matters is what is in the contract. You don't want to find out when you make a claim that you are not covered for your situation. Common exclusions include floods and named storms, contents not belonging to the dwelling owner, antiques and collectibles, and damage caused by lack of proper maintenance. Some companies will insure some of these specific risks so, if they are important to you, you may need to obtain separate coverage. (To ensure you are properly covered, read <em><a href="http://www.investopedia.com/articles/pf/09/compare-insurance-quotes-policies.asp?partner=sfgate">For Top-Notch Insurance Coverage, Compare Quotes</a></em><em>.</em>)</p> <p><strong>3. Stay away from discount insurers. </strong><strong><br /> </strong>There's nothing more joyful than hearing a television commercial saying that you can get contents insurance for as little as $10 per month - especially when you have just received a quote for $60. These low-cost policies are often advertised by insurance brokers who represent a number of discount insurers. In order to get these great prices, however, you have to give something up: coverage, customer service or timely claims payments. Your insurance is going to be in place for a long time, so choose a company with a good reputation and a policy that meets your coverage needs.<br /> <br /> Read more: <a href="http://www.sfgate.com/cgi-bin/article.cgi?f=/g/a/2011/06/08/investopedia51434.DTL#ixzz1P0qfPkzP" style="color: #003399;">http://www.sfgate.com/cgi-bin/article.cgi?f=/g/a/2011/06/08/investopedia51434.DTL#ixzz1P0qfPkzP</a> </p> <br /> <strong><span style="color: #953734;">Why not have a knowledgable CCIS Agent shop the insurance markets to provide you with a tailor-made insurance plan?</span>&nbsp; <a href="/contact.aspx">Contact Us </a><span style="color: #953734;">for a fast free quote today!&nbsp;Or, just complete our online&nbsp;<a href="/homeowners/insurance_quote.aspx">Homeowners</a> or <a href="/renters/insurance_quote.aspx">Renters Quote </a>form.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span><span style="color: #000000; font-size: 16px;"><em>(800) 807-6871</em></span></strong><br /> </div>urn:uuid:50a6ba65-e089-4c82-87f4-05cc340a48e0DANIEL WAGNER,&nbsp;EREK KRAVITZ, AP Business Writers &nbsp; The Obama administration is blaming the three largest U.S. mortgage lenders for the failures of its foreclosure-prevention program. It says they've done little to help people at risk of lo...Fri, 10 Jun 2011 16:59:31 -0500<p class="ap_para ap_para-d57851005a80479aaeeb90a12c70b9f6 entry-content" style="font-size: 12px;">DANIEL WAGNER,&nbsp;EREK KRAVITZ, AP Business Writers<br /> &nbsp; <br /> The Obama administration is blaming the three largest U.S. mortgage lenders for the failures of its foreclosure-prevention program. It says they've done little to help people at risk of losing their homes.</p> <p class="ap_para ap_para-d57851005a80479aaeeb90a12c70b9f6 entry-content" style="font-size: 12px;">Wells Fargo &amp; Co., Bank of America and JPMorgan Chase &amp; Co. have failed to help enough people permanently lower their mortgage payments so they can stay in their homes, the Treasury Department said Thursday.</p> <p class="ap_para ap_para-d57851005a80479aaeeb90a12c70b9f6 entry-content" style="font-size: 12px;">Based on those lenders' lackluster success for the first three months of 2011, the government is withholding financial incentives that amounted to up to $1,000 per permanent loan modification. Treasury said the three lenders incorrectly determined that many people were ineligible for the program.</p> <p class="ap_para ap_para-d57851005a80479aaeeb90a12c70b9f6 entry-content" style="font-size: 12px;">The lenders are disputing the data. They say the findings are based on old reports, not audits from the first quarter of the year as Treasury claimed. One of them, Wells Fargo, is formally appealing the government's decision to cut off its incentives.</p> <p class="ap_para ap_para-d57851005a80479aaeeb90a12c70b9f6 entry-content" style="font-size: 12px;">The three lenders have already received about $24 million from the government as of last month.</p> <p class="ap_para ap_para-d57851005a80479aaeeb90a12c70b9f6 entry-content" style="font-size: 12px;">The program was launched in 2009 and was intended to help those at risk of foreclosure by lowering their monthly payments. Borrowers start with lower payments on a trial basis. But the program has ....<br /> read&nbsp;more:&nbsp;<a href="http://hosted2.ap.org/txdam/1d938dec0a684376b6aa96349f9c9e98/Article_2011-06-09-Mortgage%20Modifications/id-f612a070c77c437282328814a441fe95">http://hosted2.ap.org/txdam/1d938dec0a684376b6aa96349f9c9e98/Article_2011-06-09-Mortgage%20Modifications/id-f612a070c77c437282328814a441fe95</a><br /> <br /> <strong>Do you know anyone who has been successful in getting their home loan modified?&nbsp;&nbsp;<br /> <br /> <em><span style="color: #953734;">&nbsp;Would you like us&nbsp;to help you reevaluate your home or rental coverage?&nbsp; <a href="/contact.aspx">Contact us </a>for a free consultation.&nbsp; We will shop the many insurance markets to find you the lowest premium with the best coverage based on your personal situation.</span></em></strong></p>urn:uuid:d8907a7b-a8ce-4237-83d2-6c69fd8fe161This article by Kenneth HartThe Independent&nbsp; summarizes the importance of having flood insurance.&nbsp; With the snow beginning to melt and the rivers at an all time high, you may want to consider purchasing this low cost insurance. ASHLAND &md...Fri, 10 Jun 2011 16:19:27 -0500<strong><em>This article by Kenneth Hart</em></strong><a href="http://dailyindependent.com/" style="color: #000000;"><strong><em>The Independent</em></strong></a><strong><em>&nbsp; summarizes the importance of having </em></strong><a href="/flood/default.aspx"><strong><em>flood insurance</em></strong></a><strong><em>.&nbsp; With the snow beginning to melt and the rivers at an all time high, you may want to consider purchasing this low cost insurance.<br /> </em></strong><br /> ASHLAND &mdash; Kentucky is far enough inland its residents have no reason to be concerned about hurricane season, right?<br /> <br /> Wrong, according to the Federal Emergency Management Agency. And such thinking can be dangerous, an agency spokesman said Wednesday.<br /> <br /> According to Mike Sweet, hurricanes, particularly those that strike the Gulf Coast, very often produce emergency declarations in areas great distances from where they initially hit.<br /> <br /> For example, he said, Hurricane Ike &mdash; which made landfall in Galveston, Texas, in September 2008 and caused widespread devastation in coastal Texas, Louisiana and other areas &mdash; caused an emergency to be declared in Chicago after it passed through there on its northward track across the country.<br /> <br /> The remnants of Ike also caused some major problems in Kentucky. The Louisville area declared a state of emergency because of major damage from high winds. Gov. Steve Beshear declared a statewide state of emergency.<br /> <br /> Hurricane season began on June 1 and runs through Nov. 30, Sweet said. August and September are typically the peak time for the storms, he said.<br /> <br /> &ldquo;We want people not be scared but to be ready,&rdquo; he said. &ldquo;The time to start thinking about protecting yourself is now.&rdquo;<br /> <br /> And the best for homeowners to protect themselves is by purchasing flood insurance, he said.<br /> <br /> Many homeowners are under the misconception they don&rsquo;t need flood insurance because they don&rsquo;t live in areas that typically flood, Sweet said. However, &ldquo;there is nowhere that&rsquo;s immune&rdquo; from flooding, he said. &ldquo;It can happen anywhere.&rdquo;<br /> <br /> Home flooding can be caused by a number of things, not just overflowing bodies of water. Among other causes are hillside runoff and overwhelmed storm drains, Sweet said.<br /> <br /> According to Sweet, insurance is aways a homeowner&rsquo;s best front-line defense against disaster.<br /> <br /> &ldquo;FEMA is not designed to get you back to where you were prior to the disaster,&rdquo; he said. &ldquo;FEMA can&rsquo;t and won&rsquo;t do that. But insurance can.&rdquo;<br /> <br /> <strong><em><span style="color: #953734;">If you would like a fast free&nbsp;<a href="/flood/insurance_quote.aspx">flood quote</a> <a href="/contact.aspx">contact&nbsp;</a>&nbsp;CCIS today!.&nbsp; We will be happy to review your homeowners plan to&nbsp;make sure you are protected against water damage.</span></em></strong>urn:uuid:117920f3-d8f8-477a-9e1b-4974678631a8<img src='http://media.sacbee.com/smedia/2011/06/08/21/06/jeqiG.Em.4.jpg' align='left' />Folsom Dam released more water into the American River this week.&nbsp; Park officials are advising people to avoid recreational activities on the American River because of the cold, fast water. With sunshine and temperatures in the 80s forecast f...Thu, 09 Jun 2011 11:22:01 -0500<p>Folsom Dam released more water into the American River this week.&nbsp; Park officials are advising people to avoid recreational activities on the American River because of the cold, fast water.</p> <p style="text-align: center;"><img class="sc_sharable" alt="By Renee C. Byer, Sacramento Bee" src="http://media.sacbee.com/smedia/2011/06/08/21/06/jeqiG.Em.4.jpg" longdesc="By Renee C. Byer, Sacramento Bee" ev_id="31"></img> <div style="text-align: left;"></div> </p> <p>With sunshine and temperatures in the 80s forecast for this weekend, the Sacramento region's rivers and waterways beckon.&nbsp; But public safety officials recommend steering clear of the water, particularly the rivers, for at least one more week. </p> <p>The flow in the <a href="http://topics.sacbee.com/Sacramento+River/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Sacramento River</a> at <a href="http://topics.sacbee.com/Freeport/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Freeport</a> on Wednesday was 46,000 cubic feet per second, about 2 1/2 times the historical average of 18,000 cfs for the date, said <a href="http://topics.sacbee.com/Maury+Roos/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Maury Roos,</a> chief hydrologist with the <a href="http://topics.sacbee.com/California+Department+of+Water+Resources/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">California Department of Water Resources.</a></p> <p> "We've posted signs at launch points warning of cold water and high flows," said <a href="http://topics.sacbee.com/Randy+Lewis/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Randy Lewis,</a> park ranger supervisor for Sacramento County <a href="http://topics.sacbee.com/Regional+Parks/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Regional Parks.</a></p> <p>Parks officials issued an advisory Tuesday urging people to avoid recreational activities on the lower <a href="http://topics.sacbee.com/American+River/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">American River</a> after the <a href="http://topics.sacbee.com/Bureau+of+Reclamation/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Bureau of Reclamation</a> increased releases from <a href="http://topics.sacbee.com/Folsom+Dam/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Folsom Dam</a> to 9,000 cubic feet per second. The bureau said flows are likely to increase to 15,000 cfs in coming days.</p> <br /> Read more: <a href="http://www.sacbee.com/2011/06/09/3687639/sacramento-rivers-too-cold-fast.html#ixzz1OnMZ0emR" style="color: #003399;">http://www.sacbee.com/2011/06/09/3687639/sacramento-rivers-too-cold-fast.html#ixzz1OnMZ0emR</a><br /> <br /> <strong><em><span style="color: #953734;">Whether you are out on the water occassionally or most every day, any owner should have</span><a href="/boat/watercraft_insurance_quote.aspx"> boat insurance</a>. <span style="color: #953734;">Boat damage can cost thousands of dollars so don&rsquo;t let your savings go overboard. Let CCIS make sure you are fully protected!&nbsp;<a href="/contact.aspx">Contact Us </a>today!&nbsp; </span><span style="color: #000000; font-size: 16px;">(800) 807-6871</span></em></strong>urn:uuid:102afb2f-0920-434a-94a3-70301e262f1d By Dale Kasler A $2 billion California mortgage-aid program has nearly tripled the number of participating lenders since its inception - a development that will likely enhance the program's effectiveness. The 20 lenders that have agreed to particip...Wed, 08 Jun 2011 10:46:24 -0500<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>By Dale Kasler<br /> <a href="mailto:dkasler@sacbee.com"></a><br /> A $2 billion California mortgage-aid program has nearly tripled the number of participating lenders since its inception - a development that will likely enhance the program's effectiveness.</p> <p>The 20 lenders that have agreed to participate in the Keep Your Home California program include six of the largest in the state, the <a href="http://topics.sacbee.com/California+Housing+Finance+Agency/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FCalifornia%2BHousing%2BFinance%2BAgency%2F">California Housing Finance Agency</a> said Tuesday.</p> <p>Combined, the 20 lenders account for 80 percent of all the <a href="http://topics.sacbee.com/home+mortgages/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Fhome%2Bmortgages%2F">home mortgages</a> in the state. The program, funded with federal dollars, is aimed at helping at least 100,000 homeowners in California who are struggling to pay their mortgages.</p> <p>There were just eight lenders onboard when the program began in February. This stifled the strength of the effort.</p> <p>To date, 645 homeowners have received a total of $3.9 million, a sliver of the $2 billion available. Evan Gerberding, a spokeswoman for the state finance agency, said an additional 4,400 homeowners have applications in the pipeline for assistance.</p> <p>There are various forms of assistance, and lender participation is crucial.&nbsp; For instance, one piece of the program will actually pay down a portion of the outstanding principal on a mortgage.&nbsp; But it only works if ...&nbsp; <br /> Read more: <a href="http://www.sacbee.com/2011/06/08/3684327/california-mortgage-help-program.html#ixzz1OhRDBLDJ" style="color: #003399;">http://www.sacbee.com/2011/06/08/3684327/california-mortgage-help-program.html#ixzz1OhRDBLDJ</a><br /> <br /> <strong><em>Make sure you have <a href="/homeowners/insurance_quote.aspx">homeowners </a>or&nbsp;<a href="/renters/insurance_quote.aspx">renters</a> insurance to protect your property.&nbsp; <a href="/contact.aspx">Contact us </a>at (800) 807-6871 for a fast, free quote.&nbsp; Ask about discounts that can reduce your premiums.</em></strong></p> </div>urn:uuid:dd3c4bce-6308-460d-8add-126ef0da5274From changing jobs to moving to a different house to downsizing vehicles, Americans have made decisions during the recent economic downturn that impact unexpected areas of their life &ndash; like car insurance. In fact, in the past year 53 percent of...Tue, 07 Jun 2011 21:26:25 -0500<p>From changing jobs to moving to a different house to downsizing vehicles, Americans have made decisions during the recent economic downturn that impact unexpected areas of their life &ndash; like car insurance. In fact, in the past year 53 percent of Americans have made an economic-driven change that could impact the cost of their car insurance, according to a survey by state insurance commissioners.</p> <p>The National Association of Insurance Commissioners (NAIC) survey found the most common car-related, money-saving lifestyle changes consumers made in the last 12 months that could impact their insurance costs were:</p> <ul> <li>Nearly 40 percent of respondents are driving less overall and/or taking public transportation more frequently.</li> <li>Close to 20 percent of car owners traded in a vehicle for a lower-priced model or got rid of a second vehicle entirely.</li> <li>Almost 20 percent of drivers have reduced or cancelled their car insurance coverage for immediate financial relief.</li> <li>Many consumers relocated over the past year.</li> </ul> <p>The survey identifies five trends and their effects on auto insurance premiums:</p> <h5>Relocation</h5> <p>Where insureds live can impact premium, depending on crime statistics in the area. Garage versus street parking can also impact premium.</p> <p>Moving to another state can affect costs as states vary in their minimum liability, and perhaps no-fault, coverage requirements &ndash; some allow injured parties to sue for damages and others are no-fault states.</p> <h5>Changing Vehicles</h5> <p>Whether purchasing a less expensive or more expensivecar, looking for a hybrid to save on gas, paying off a current vehicle, or purchasing a &ldquo;starter&rdquo; car for a teenage driver, insureds should expect car insurance rate changes. The make and model of a car affects a premium.</p> <p>A car with a lower resale value is usually cheaper to insure because collision and comprehensive coverages cost less.</p> <p>Paying off a current vehicle may allow an insured be select a higher deductible or eliminate collision coverage.</p> <p>Adding a car to a household may make a customer eligible for a multi-car discount.</p> <h5>Changing Jobs</h5> <p>With unemployment still hovering around nine percent, many consumers have been looking for jobs. Some have had to create flexible work situations or even to relocate. Others remain unemployed and struggle to make ends meet. Each of these unique situations can have an impact on car insurance costs:</p> <p>Some consumers now have a longer or shorter commute after turning to occupations they could do from home, or relocating for a job.</p> <p>Others chose to stop payment or cancel car insurance. Causing an accident without adequate insurance protection could have devastating financial consequences in the event of an accident. Further, this decision will likely result in higher costs if insurance is reinstated in the future. When coverage is allowedto lapse, customers lose renewal/continuous coverage discounts, and when they choose to reinstate the policy, the insurer may consider them a higher risk. </p> <h5>Driving Less</h5> <p>Since a car insurance premium is partially based on annual mileage, driving less equals paying less. According to the NAIC survey, almost 40 percent of consumers drove fewer </p> Read more: <a href="http://www.insurancejournal.com/news/national/2011/06/07/201523.htm">http://www.insurancejournal.com/news/national/2011/06/07/201523.htm</a>urn:uuid:46aa7071-7149-4ab3-b4ee-0bdc150125b6By Tony Bizjack Do you keep a garage door opener clipped to your car visor? Ever worry a thief might break in, get your address from your vehicle registration papers and use the clicker to get into your house? Reader Jay O'Brien does. He wonders whe...Mon, 06 Jun 2011 10:33:24 -0500<p>By Tony Bizjack<br /> <br /> Do you keep a <a href="http://topics.sacbee.com/garage+door+opener/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">garage door opener</a> clipped to your car visor? Ever worry a thief might break in, get your address from your vehicle registration papers and use the clicker to get into your house?</p> <p>Reader Jay O'Brien does. He wonders whether it's legal to redact your address from your car registration documents. "It seems to me it's something we should all be concerned about."</p> <p>A code check shows drivers must have an address listed on the registration card, but the law allows it to be a work address or post office box instead of home. </p> <p> Why is that necessary if police can check the state computer system for info? Police say having the info readily available on paper speeds their work, especially reconnecting with people whose cars were stolen.</p> <p>That said, O'Brien's concern intrigued us. How often do thieves commit the crime he mentioned?</p> <p>We checked with the Sacramento County sheriff, and Sacramento police, as well as the Insurance Information Network of California. None recalled hearing of this exact crime happening, but all agreed it could. </p> <p>Are there any protections against it, other than putting a business address on the registration?</p> <p>You can put the remote in a magnetic box and attach it at a ...&nbsp; Read more: <a href="http://www.sacbee.com/2011/06/06/3679142/back-seat-driver-do-home-burglars.html#ixzz1OVgsgAUn" style="color: #003399;">http://www.sacbee.com/2011/06/06/3679142/back-seat-driver-do-home-burglars.html#ixzz1OVgsgAUn</a><br /> <br /> <span style="color: #953734;"><strong><em>Want to find out if Cliff Cottam Insurance can save you more on your Auto insurance?</em></strong> </span><em><strong><span style="color: #953734;">Simply</span> <a href="http://www.ccisca.com/contact.aspx">Contact Us </a><span style="color: #953734;">at (800) 807- 6871 for a free no obligation quote! Or, use our online </span><a href="http://www.ccisca.com/automobile/quick_insurance_quote.aspx">Auto Quote Form</a>. <strong><em><span style="color: #953734;">Ask about discounts that may reduce your premiums even more.</span></em></strong></strong></em></p>urn:uuid:7279bbb2-5883-49e5-bc00-2cdcddefe1afSacramento and Roseville killed "crash taxes" earlier this year amid political push-back, but small towns and rural fire districts across the region still have the controversial emergency-recovery fees in place. Fire departments, especially those alo...Mon, 06 Jun 2011 10:04:57 -0500<p>Sacramento and Roseville killed "crash taxes" earlier this year amid political push-back, but small towns and rural fire districts across the region still have the controversial emergency-recovery fees in place.</p> <p>Fire departments, especially those along the <a href="http://topics.sacbee.com/Interstate+80/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Interstate 80</a> and Highway 50 corridors, continue to bill out-of-town motorists when crews respond to accidents.</p> <p>Some fire officials say the fees, which range from about $400 to $2,500, are an important source of extra income in tough times and haven't resulted in political strife, as they did in Sacramento. </p> <p> Critics in the capital said the fees targeting out-of-towners would hurt business and tourism, and had angered neighboring localities.</p> <br /> <br /> Read more: <a href="http://www.sacbee.com/2011/06/06/3679143/rural-fire-departments-not-letting.html#ixzz1OVaaCxfM" style="color: #003399;">http://www.sacbee.com/2011/06/06/3679143/rural-fire-departments-not-letting.html#ixzz1OVaaCxfM</a>urn:uuid:5cb3c576-0ef2-43c3-8b77-4b22a3f925f4<img src='http://www.insurancewebsitebuilder.com/img/Library/Carriers/mercurylogo.gif' align='left' /> &nbsp; Extend the life of your vehicle for up to six years or 100,000 miles&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; How many times have you heard stories about cars breaking down right after the warranty expires? With Mechanical Breakdown Protection from M...Sat, 04 Jun 2011 20:31:51 -0500<em> </em> <h3 style="margin: auto 0in;"><em><img alt="" src="http://www.insurancewebsitebuilder.com/img/Library/Carriers/mercurylogo.gif"></img> </em></h3> <h3 style="text-align: left;"><em>&nbsp;<br /> Extend the life of your vehicle for up to six years or 100,000 miles&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</em></h3> <p style="text-align: left;"><em>How many times have you heard stories about cars breaking down right after the warranty expires? With Mechanical Breakdown Protection from Mercury, you can rest easy knowing you are covered. The rates are among the lowest in the industry and typically beat the car dealer rates. <br /> </em><br /> Mercury&rsquo;s Mechanical Breakdown Protection Plans extend coverage to virtually all mechanical and electrical components of your vehicle. They are available for both new and pre-owned vehicles, and coverage is transferable if you sell your vehicle before your agreement expires - - providing added resale value. </p> <p style="text-align: left;">&nbsp;</p> <h3 style="margin: auto 0in;"><a href="http://www.ccisca.com/contact.aspx"><span style="font-size: 13px;"><em>Contact us </em></span></a><em>today to find out more! (800) 807-6871</em></h3> <br />urn:uuid:b74f46c0-18e8-43d6-a76b-0b120c8270f9It can be risky to start a business in Sacramento, no matter what small business you have. But not having any type of business insurance at all could be an extremely daunting risk. There are many business owners, who feel that investment in owning a ...Fri, 03 Jun 2011 14:20:06 -0500It can be risky to start a business in Sacramento, no matter what small business you have. But not having any type of business insurance at all could be an extremely daunting risk. There are many business owners, who feel that investment in owning a good coverage is not necessary, especially if they never got a chance to experience a disaster that would have proved worthy of such consideration. However, it is essential to have your business insured, in case any such situation arises, where you might lose a small or large part of the business. Business insurance will not only save you and your business, but it will also provide critical financial protection. <p>If you are planning to start a business in Sacramento, there are various types of business insurances available. Your business will not require them all, but in order to cover the basic; you will need most of them. Before making any decision, it is essential to conduct a small research about the types of insurances you will require and also understand what importance each will have for your business. This will help you in making a good buying decision without having to buy more than required. </p> <p>The type of insurance your business requires depends a lot on what activity you are engaged into and how you are going to manage it. For instance, if you are planning to have company cars, you would be interested in insuring them. But, if you will start something that does not need insurance, then there is no need to include any insurance type in your coverage. Product business liability insurance is one type of business insurance. It can be extremely beneficial, if you are planning to sell products because it will be providing protection to your business against any type of business liability&nbsp; read more: <a href="http://isr-wrestling.com/tag/company-cars">http://isr-wrestling.com/tag/company-cars</a><br /> <br /> <strong><em><span style="color: #953734;">Let Cliff Cottam Insurance help you to assess your business insurance needs. Find out if we can save you money or review your current business insurance</span>. </em></strong><a href="http://www.ccisca.com/contact.aspx"><strong><em>Contact us </em></strong></a><strong><em><span style="color: #953734;">for at (800) 807-6871 for a free consultation. Or, just click</span> </em></strong><a href="http://www.ccisca.com/business/general_liability_quote.aspx"><strong><em>General Liability Quote </em></strong></a><span style="color: #953734;"><strong><em>to make your request online!</em></strong><br /> </span></p>urn:uuid:db42f097-df2b-4e46-b5be-8377a7f3416cHere is an interesting article we came across - - by Al Lewis.&nbsp; Commentary: Oh, serpents! Thought you said it had servants &nbsp; For sale: Nice house, large kitchen, several thousand s...Thu, 02 Jun 2011 15:54:50 -0500<p><strong><span style="color: #953734;"><em>Here is an interesting article we came across - - by Al Lewis.&nbsp; <br /> <br /> </em></span>Commentary: Oh, serpents! Thought you said it had servants</strong></p> <p>&nbsp;</p> <table width="200" align="left" style="margin-right: 10px; margin-bottom: 3px;"> <tbody> <tr> <td style="padding-bottom: 3px;"><img alt="snake_home.jpg" src="http://l.yimg.com/a/p/us/news/editorial/6/c0/6c01a6344b95cc9b358e67b7b6e9fcbb.jpeg"></img></td> </tr> <tr> <td style="padding-bottom: 3px;"><span style="font-size: 13px;">For sale: Nice house, large kitchen, several thousand snakes included.</span></td> </tr> </tbody> </table> <p>They say there are snake pits on Wall Street.&nbsp; Chase has learned there are snake pits on Main Street too.</p> <p>Last year, the J.P. Morgan Chase banking unit foreclosed on a home near Rexburg, Idaho, that is infested with garter snakes.</p> <p>They slide through the yard, the crawl space, the walls, the ceilings, even across the floors. Sure, they're harmless, but there are perhaps thousands of them. They give off malodorous secretions when alarmed, and can even leave the well water tasting a bit like the way they smell.Two families have fled the house in scenes reminiscent of horror-film classics. One turned to a local TV station in 2006 to document the infestation, complaining of not being able to sleep at night. The video is still available on YouTube and is doing absolutely nothing for sales. <a href="http://us.lrd.yahoo.com/SIG=120pct9ng/EXP=1308256539/**http%3A//www.youtube.com/watch%3Fv=Hs2g22APCQg">Watch the video on snakes in the house. </a><br /> <br /> <br /> <strong><em><span style="color: #953734;">If you don't have a house full of snakes we can find you a great rate on your home insurance.</span>&nbsp;&nbsp;</em></strong><a href="/contact.aspx"><strong><em>Contact</em></strong></a><strong><em> <span style="color: #953734;">CCIS for a free no obligation&nbsp;<a href="/homeowners/insurance_quote.aspx">Home</a> or&nbsp;<a href="/renters/insurance_quote.aspx">Renters</a> Insurance Quote today!&nbsp; (800) 807-6871</span></em></strong></p>urn:uuid:9b474d8f-c3ae-4e4f-bdb5-6c6503f96044<img src='http://static.nolo.com/rx/images/products/60/CTEN18.gif' align='left' />Know your rights when you rent a house or apartment 1. Bring your paperwork. The best way to win over a prospective landlord is to be prepared. To get a competitive edge over other applicants, bring the following when you meet the landlord: a compl...Wed, 01 Jun 2011 21:40:39 -0500<strong><span style="font-size: 13px;">Know your rights when you rent a house or apartment<br /> </span> <br /> 1. Bring your paperwork.<br /> </strong>The best way to win over a prospective landlord is to be prepared. To get a competitive edge over other applicants, bring the following when you meet the landlord: a completed rental application; written references from landlords, employers, and colleagues; and a current copy of your credit report.<br /> <div class="sidebar" sizset="38" sizcache="4"> <h4><span style="font-size: 13px;">How to Get a Copy of Your Credit Report</span></h4> <p>You can order your credit report by mail, phone, or online at <a href="https://www.annualcreditreport.com/cra/index.jsp">www.annualcreditreport.com</a> or directly from the websites of the three major national credit bureaus:</p> <ul sizset="38" sizcache="3"> <li>Equifax: <a href="http://www.equifax.com/" target="undefined">www.equifax.com</a></li> <li>Experian: <a href="http://www.experian.com/" target="undefined">www.experian.com</a></li> <li>TransUnion: <a href="http://www.transunion.com/" target="undefined">www.transunion.com</a></li> </ul> <p>For information on dealing with credit problems, see the <a href="http://www.nolo.com/legal-encyclopedia/bad-credit-repair/index.html">Credit Repair for Bad Credit</a> area of Nolo's website.</p> </div> <p>&nbsp;</p> <p><b><a name="2"></a>2. Review the lease.</b><br /> Carefully review all of the conditions of the tenancy before you sign on the dotted line. Your lease or rental agreement may contain a provision that you find unacceptable -- for example, restrictions on guests, pets, design alterations, or running a home business. For help reviewing your lease or rental agreement, see <a href="http://www.nolo.com/legal-encyclopedia/faqEditorial-29094.html" title="Read this article in Nolo's free legal information collection.">Signing a Lease or Rental Agreement FAQ</a>.</p> <p><b><a name="3"></a>3. Get everything in writing.</b><br /> To avoid disputes or misunderstandings with your landlord, get everything in writing. Keep copies of any correspondence and follow up an oral agreement with a letter, setting out your understandings. For example, if you ask your landlord to make repairs, put your request in writing and keep a copy for yourself. If the landlord agrees orally, send a letter confirming this.</p> <p><b><a name="4"></a>4. Protect your privacy rights.</b><br /> Next to disputes over rent or security deposits, one of the most common and emotion-filled misunderstandings arises over the tension between a landlord's right to enter a rental unit and a tenant's right to be left alone. If you understand your privacy rights (for example, the amount of notice your landlord must provide before entering), it will be easier to protect them. For more information, see <a href="http://www.nolo.com/legal-encyclopedia/faqEditorial-29066.html" title="Read this article in Nolo's free legal information collection.">Tenants' Rights to Privacy and Repairs FAQ</a>.</p> <p><b><a name="5"></a>5. Demand repairs.</b><br /> Know your rights to live in a habitable rental unit -- and don't give them up. The vast majority of landlords are required to offer their tenants livable premises, including adequate weatherproofing; heat, water, and electricity; and clean, sanitary, and structurally safe premises. If your rental unit is not kept in good repair, you have a number of options, ranging from withholding a portion of the rent, to paying for repairs and deducting the cost from your rent, to calling the building inspector (who may order the landlord to make repairs), to moving out without liability for your future rent. For more information, see the article <a href="http://www.nolo.com/legal-encyclopedia/article-30276.html" title="Read this article in Nolo's free legal information collection.">Renters' Rights to Minor Repairs</a>.</p> <p><b><a name="6"></a>6. Talk to your landlord.</b><br /> Keep communication open with your landlord. If there's a problem -- for example, if the landlord is slow to make repairs -- talk it over to see if the issue can be resolved short of a nasty legal battle. <a href="http://www.nolo.com/legal-encyclopedia/faqEditorial-29141.html" title="Read this article in Nolo's free legal information collection.">Resolving Landlord-Tenant Disputes FAQ</a> provides some advice.</p> <p><b><a name="7"></a>7. Purchase renters' insurance.</b><br /> Your landlord's insurance policy will not cover your losses due to theft or damage. Renters' insurance also covers you if you're sued by someone who claims to have been injured in your rental due to your carelessness. Renters' insurance typically costs $350 a year for a $50,000 policy that covers loss due to theft or damage caused by other people or natural disasters; if you don't need that much coverage, there are cheaper policies. For more information about renters' insurance, see the article <a href="http://www.nolo.com/legal-encyclopedia/article-29726.html" title="Read this article in Nolo's free legal information collection.">Renters: Protect Yourself From Crime</a>.</p> <p>More tips: <a href="http://www.nolo.com/legal-encyclopedia/ten-tips-tenants-29446.html">http://www.nolo.com/legal-encyclopedia/ten-tips-tenants-29446.html</a><a href="http://www.nolo.com/products/renting-leases-deposits/;jsessionid=0D9FE4C4CF4483C672FAAF9A2A0F2773"><br /> <br /> Find a Related Product</a></p> <div id="nextSteps" sizset="41" sizcache="4"> <div sizset="46" sizcache="4"> <div class="sidebar" id="nextStepProducts" sizset="46" sizcache="4"> <ul sizset="46" sizcache="3"> <li> <div class="nextStepsProductsLeft shadowContainer"><a href="http://www.nolo.com/products/california-tenants-rights-CTEN.html;jsessionid=0D9FE4C4CF4483C672FAAF9A2A0F2773"><img title="California Tenants' Rights" class="shadow" alt="California Tenants' Rights" src="http://static.nolo.com/rx/images/products/60/CTEN18.gif"></img> </a></div> <div class="nextStepsProductsRight"><a href="http://www.nolo.com/products/california-tenants-rights-CTEN.html;jsessionid=0D9FE4C4CF4483C672FAAF9A2A0F2773">California Tenants' Rights</a> </div> </li> <li> <div class="nextStepsProductsLeft shadowContainer"><a href="http://www.nolo.com/products/renting-a-place-to-live-LFPU4.html;jsessionid=0D9FE4C4CF4483C672FAAF9A2A0F2773"><img title="Renting a Place to Live" class="shadow" alt="Renting a Place to Live" src="http://static.nolo.com/rx/images/products/60/eGuide_LFPU4.gif"></img> </a></div> <div class="nextStepsProductsRight"><a href="http://www.nolo.com/products/renting-a-place-to-live-LFPU4.html;jsessionid=0D9FE4C4CF4483C672FAAF9A2A0F2773">Renting a Place to Live</a> </div> </li> </ul> <div class="refMore"><strong><em><span style="color: #953734;">Need Rental Insurance?&nbsp;&nbsp;A CCIS agent will be happy to shop all the insurance markets to find you the lowest premium and best coverage.&nbsp; <a href="/contact.aspx">Contact us </a>at (800) 807-6871 for a free <a href="/renters/insurance_quote.aspx">Rental Quote </a>today!&nbsp;&nbsp; <br /> <br /> </span></em></strong></div> </div> </div> </div>urn:uuid:c3751d0c-b577-42ef-b97d-80f170efd715<img src='http://i.usatoday.net/news/_photos/2009/03/18/motorcyclekidsx-large.jpg' align='left' />By William M. Welch, USA TODAY LOS ANGELES Angry with a nationwide ban on sales of youth motorcycles and ATVs over lead concerns, one of the biggest dealers in Southern California plans to sell the child-size vehicles today despite potential crimin...Wed, 01 Jun 2011 19:07:22 -0500<div class="inside-copy">By <a href="http://www.usatoday.com/community/tags/reporter.aspx?id=648" class="linkedBylineName">William M. Welch</a>, USA TODAY LOS ANGELES <br /> <br /> Angry with a nationwide ban on sales of youth motorcycles and ATVs over lead concerns, one of the biggest dealers in Southern California plans to sell the child-size vehicles today despite potential criminal penalties.</div> <p class="inside-copy">Malcolm Smith, a Riverside, Calif., dealer and major figure in off-road motorcycling for four decades, is challenging federal officials to come and get him. </p> <p class="inside-copy">Smith, 68, says he plans to sell several of the youth-targeted vehicles to people who are already prepared to pay for them. He says he has told the Consumer Product Safety Commission (CPSC), the federal agency charged with enforcing the ban passed by Congress last year.</p> <p class="inside-copy">"I've been paying attention to all the rules and regulations, giving them some time to do something about it," Smith says. "They have no idea what this is doing to small businesses."</p> <p class="inside-copy">Since taking effect Feb. 10, the law passed has made it illegal to sell off-road vehicles and accessories &mdash; including used vehicles and replacement parts &mdash; aimed at children 12 and younger because of small amounts of lead in alloys used in parts of the vehicles. Smith says he is prohibited even from selling helmets and other safety gear aimed at youth.<br /> <br /> Read more: <a href="http://www.usatoday.com/news/nation/2009-03-18-motorcycle-kids_N.htm">http://www.usatoday.com/news/nation/2009-03-18-motorcycle-kids_N.htm</a></p> <p class="inside-copy" style="text-align: center;"><img style="width: 290px; height: 200px;" alt="By Stephanie M. Diani for USA Today" src="http://i.usatoday.net/news/_photos/2009/03/18/motorcyclekidsx-large.jpg" longdesc="Bonnie Warch helps Karsyn Boyd, 6, with her dirt bike Feb. 15 at the School of Dirt in Irvine, Calif."> <div style="text-align: left;"></div> </img></p>urn:uuid:bcd84b08-38b9-4be3-b4da-f1879a4c041e<img src='http://www.ccisca.com/img/~www.ccisca.com/elp_badge_home_auto_lg.jpg' align='left' />ASK DAVE:&nbsp; Dave is a well known and highly respected financial guru. He has taught financial principles to millions via radio, books, Financial Peace University, live events and online. QUESTION: Summer in Baltimore and her husband are 23-year-...Tue, 31 May 2011 17:51:57 -0500<p><strong><span style="color: #953734;"><em>ASK DAVE:&nbsp; Dave is a well known and highly respected financial guru. He has taught financial principles to millions via radio, books, Financial Peace University, live events and online.<br /> </em></span><br /> QUESTION:</strong> Summer in Baltimore and her husband are 23-year-old newlyweds. They&rsquo;ve had huge disagreements about loaning money to friends and family. Summer doesn&rsquo;t think they should give them money unless they can afford to just give it to them. Dave explains to Summer that the weak cannot help the weak.</p> <p><strong>ANSWER:</strong> Your husband&rsquo;s being completely irresponsible, and it&rsquo;s driving you crazy. You ought to be very frustrated, because the signal he&rsquo;s sending you, the way it feels to you, is you feel like he wants to take care of everybody else before he takes care of you guys. His first job is to take care of his household, and he&rsquo;s not done that. You have no money in the house, 23-years-old and newly married, and he&rsquo;s giving people money.</p> <p>If you agreed to him giving away the money, you were wrong. Only the strong can help the weak. Broke people can&rsquo;t help broke people. Your job is to get your </p> ... Read more: <a href="http://www.daveramsey.com/askdave/home/">http://www.daveramsey.com/askdave/home/</a><br /> <br /> <strong><em><span style="color: #953734;">As Independent Agents we represent a carefully selected group of financially sound, reputable insurance companies. We are proud to have been chosen by Dave Ramsey as an "Endorsed Local Provider" for insurance products. </span></em></strong><strong><em><span style="color: #953734;">"If you would like a free consultation on insurance, call us at (800) 807-6871 or complete this easy</span> </em></strong><a href="http://www.ccisca.com/contact.aspx"><strong><em>Contact Us<span style="color: #953734;"> </span></em></strong></a><span style="color: #953734;"><strong><em>form today."</em></strong><br /> <p style="text-align: center;"><img alt="" style="width: 236px; height: 150px;" src="/img/~www.ccisca.com/elp_badge_home_auto_lg.jpg"></img></p> <div style="text-align: left;">&nbsp;</div> </span> <p style="text-align: center;">&nbsp;</p>urn:uuid:af351836-a4e4-4d57-b6b8-96749c1e1b95<img src='http://www.ccisca.com/img/~www.ccisca.com/Harley%20Motorcycle.jpg' align='left' /> Here is an article from&nbsp;Motocross Videos that&nbsp;explains Motorcycle Insurance.&nbsp; CCIS has many insurance companies that we can get quotes from.&nbsp; Why not let us do the shopping for you?&nbsp; You probably came here hoping that you ...Mon, 30 May 2011 10:30:00 -0500<p style="text-align: center;"><img alt="" style="width: 185px; height: 100px;" src="/img/~www.ccisca.com/Harley%20Motorcycle.jpg" /></p> <p><strong><em>Here is an article from&nbsp;Motocross Videos that&nbsp;explains Motorcycle Insurance.&nbsp; CCIS has many insurance companies that we can get quotes from.&nbsp; Why not let us do the shopping for you?&nbsp; <br /> </em></strong><br /> You probably came here hoping that you will find how much is motorcycle, sorry to break it to you but there isn&rsquo;t an exact number for everyone, don&rsquo;t worry though we will give you some averages and tell you how you find out how much is motorcycle insurance for you.</p> <p>Ultimately your rate will depend on a lot of factors like your riding experience, motorcycle model, traffic violations (if any) and so on. If you&rsquo;re just looking for liability insurance, which covers injuries you inflict on someone else you can expect to say anywhere from $100-400+ per year.</p> <p>If you want to know how much is motorcycle insurance that covers everything from damages and injuries you inflict upon others or yourself that will as previously said depend on quite a few factors, but if you have an expensive motorcycle it might be a good idea getting full coverage. Depending on your bike model you can expect to pay a few grand yearly, but as said if you paid a lot for your bike it is probably worth it. </p> <p>If you&rsquo;ve been searching for how much is motorcycle insurance online and haven&rsquo;t found any quotes right away you should probably read this. The reason why you can&rsquo;t get an instant quote on how much is motorcycle insurance is because it really depends on quite a few factors. Your experience, motorcycle model, traffic violations, riding history, age and so on. Insurance companies take all of this into account when calculating how much is motorcycle insurance therefore it&rsquo;s not really possible to get an instant quote on how much it will be for you.<br /> <a href="http://www.motocrossvideos.net/2011/02/how-much-is-motorcycle-insurance/">http://www.motocrossvideos.net/2011/02/how-much-is-motorcycle-insurance/</a><br /> <br /> <strong><em><span style="color: #953734;">To get a free no obligation <a href="/motorcycle/insurance_quote.aspx">Motorcycle Quote</a>, <a href="/contact.aspx">contact us </a>at (800) 807-6871 today!<br /> </span></em></strong></p>urn:uuid:4fbfa65b-d4cf-4ead-99b3-afb48aa56452 Sacramento is one of 25 cities getting new traffic signs designed to increase awareness of motorcyclists on the road. Allstate Corp. said it will place yellow, diamond-shaped caution signs at hundreds of intersections in major metropolitan areas aro...Sun, 29 May 2011 10:35:49 -0500<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>Sacramento is one of 25 cities getting new traffic signs designed to increase awareness of motorcyclists on the road.</p> <p><a href="http://topics.sacbee.com/Allstate/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FAllstate%2F">Allstate</a> Corp. said it will place yellow, diamond-shaped caution signs at hundreds of intersections in major metropolitan areas around the country.</p> <p>The traffic signs feature a motorcycle silhouette and the words "LOOK" to remind car drivers to watch out for motorcyclists. </p> <p>According to <a href="http://topics.sacbee.com/Allstate/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">Allstate,</a> an average of three motorcyclists are killed every day in the U.S. and many of those accidents occur at intersections.</p> <p>"Taking one extra second at an intersection to look left, right - and left again - for motorcyclists could make our roads safer," said <a href="http://topics.sacbee.com/Keith+Rutman/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FKeith%2BRutman%2F">Keith Rutman,</a> vice president of <a href="http://topics.sacbee.com/Allstate/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">Allstate's</a> consumer household unit. </p> <br /> Read more: <a href="http://www.sacbee.com/2011/05/26/3656935/insurance-company-to-put-signs.html#ixzz1NkuwOujv" style="color: #003399;">http://www.sacbee.com/2011/05/26/3656935/insurance-company-to-put-signs.html#ixzz1NkuwOujv</a><br /> <br /> <strong><em><span style="color: #953734;">Don't want to spend time shopping for the best auto rates.&nbsp; Let&nbsp;CCIS shop the insurance markets for you.&nbsp; It's easy, simply&nbsp;call us at (800) 807-6871 or complete this</span> </em></strong><a href="http://www.ccisca.com/automobile/car_insurance_quote.aspx"><strong><em>auto&nbsp;quote form </em></strong></a><span style="color: #953734;"><strong><em>today!</em></strong><br /> <br /> </span><br /> </div>urn:uuid:76f19e04-80c0-42f9-8179-71920a833c10 Local law enforcement officials speculate: Is it the long weekend or the allure of the outdoors, graduation season or the promise of summer? For whatever reason, they say, the rush of people hitting the road for vacations and outings over Memorial D...Fri, 27 May 2011 10:40:22 -0500<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>Local law enforcement officials speculate: Is it the long weekend or the allure of the outdoors, graduation season or the promise of summer?</p> <p>For whatever reason, they say, the rush of people hitting the road for vacations and outings over <a href="http://topics.sacbee.com/Memorial+Day+weekend/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FMemorial%2BDay%2Bweekend%2F">Memorial Day weekend</a> typically coincides with more <a href="http://topics.sacbee.com/impaired+drivers/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Fimpaired%2Bdrivers%2F">impaired drivers</a> choosing to get behind the wheel.</p> <p>"DUI death rates tend to go up around various holidays, including <a href="http://topics.sacbee.com/Memorial+Day/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FMemorial%2BDay%2F">Memorial Day,</a>" said Chris Cochran, spokesman for the <a href="http://topics.sacbee.com/California+Office+of+Traffic+Safety/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FCalifornia%2BOffice%2Bof%2BTraffic%2BSafety%2F">California Office of Traffic Safety.</a> "This is the traditional beginning of summer, a celebration time." </p> <p>Starting tonight, in an effort to drive, many law enforcement agencies are ramping up their DUI enforcement with sobriety checkpoints and roving DUI patrols.&nbsp; The <a href="http://topics.sacbee.com/Office+of+Traffic+Safety/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FOffice%2Bof%2BTraffic%2BSafety%2F">Office of Traffic Safety</a> and <a href="http://topics.sacbee.com/California+Highway+Patrol/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FCalifornia%2BHighway%2BPatrol%2F">California Highway Patrol</a> have both designated the weekend a maximum enforcement period.</p> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"><a href="http://topics.sacbee.com/Sacramento+County/" class=" lingo_link" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FSacramento%2BCounty%2F">Sacramento County's</a> DUI task force will set up a <a href="http://topics.sacbee.com/sobriety+checkpoint/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Fsobriety%2Bcheckpoint%2F">sobriety checkpoint</a> tonight in <a href="http://topics.sacbee.com/Citrus+Heights/" class=" lingo_link" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FCitrus%2BHeights%2F">Citrus Heights,</a> another checkpoint in Elk Grove on Saturday night and a saturation patrol in Elk Grove on Sunday ... <br /> Read more: <a href="http://www.sacbee.com/2011/05/27/3658193/authorities-step-up-efforts-to.html#ixzz1NZD3vhJ9" style="color: #003399;">http://www.sacbee.com/2011/05/27/3658193/authorities-step-up-efforts-to.html#ixzz1NZD3vhJ9</a><br /> <p><strong><em><span style="color: #953734;">ClCIS staff&nbsp;wishes you and your family&nbsp;a great&nbsp;Memorial Day weekend.&nbsp; If you are one of the many&nbsp;drivers out on our roads, remember to drive defensively.&nbsp;&nbsp;If you are not sure of what your insurance policy covers - - or would like to ask any questions, give us a call at <strong><em>(800) 807-6871.&nbsp; You can also complete our&nbsp;</em></strong>free no obligation <a href="/automobile/quick_insurance_quote.aspx">Auto Quote </a>form.</span></em></strong></p> </div> </div>urn:uuid:431b70e1-5762-4c35-ae56-ef739104b075 This video from Call Kurtis investigates&nbsp;auto adverising that is quite deceptive.&nbsp;&nbsp;&nbsp;&nbsp;View the video as shown on http://sacramento.cbslocal.com/2011/05/23/call-kurtis-can-you-really-get-13-auto-insurance/ The ads say you ...Thu, 26 May 2011 18:49:03 -0500<div class="well" sizset="1" sizcache="0"> <div class="post-wrap" sizset="1" sizcache="0"> <div class="tool-bar"><em><span style="color: #953734;"><strong><br /> This video from Call Kurtis investigates&nbsp;auto adverising that is quite deceptive.&nbsp;&nbsp;&nbsp;&nbsp;View the video as shown on <a href="http://sacramento.cbslocal.com/2011/05/23/call-kurtis-can-you-really-get-13-auto-insurance/">http://sacramento.cbslocal.com/2011/05/23/call-kurtis-can-you-really-get-13-auto-insurance/</a><br /> <br /> </strong></span></em><br /> The ads say you can get insurance for as low as $13, $14, $15 a month. The ads say they&rsquo;ll even cover you if you have tickets, a DUI or accidents on your record. </div> <div class="post-entry"> <p>Mary Reitzell says the $17 a month insurance ad she spotted in the Pennysaver was far cheaper than the $70 she was paying. Once she got down to the insurance broker&rsquo;s office?</p> <p>&ldquo;They&rsquo;re like wolves on sheep when you walk in there,&rdquo; she recalls.</p> <p>No $17 insurance was available for her. Instead she&rsquo;d have to pay $80 in up front fees, then $67 a month. That was only if she lied saying she had a husband.</p> <p>The Better Business Bureau&rsquo;s Gary Almond says few people would ever qualify for these prices. He says these ads prey on the vulnerable.</p> <p>&ldquo;This is really victimizing people that don&rsquo;t know any better; the young, the inexperienced, the desperate,&rdquo; Almond said.<br /> <br /> View the video as shown on <a href="http://sacramento.cbslocal.com/2011/05/23/call-kurtis-can-you-really-get-13-auto-insurance/">http://sacramento.cbslocal.com/2011/05/23/call-kurtis-can-you-really-get-13-auto-insurance/</a><br /> <br /> <strong><em><span style="color: #953734;">Note:&nbsp;&nbsp;We do not engage in misrepresentation and&nbsp;have an A+ rating by the Better Business Bureau.&nbsp;&nbsp;<strong>Why not have a knowledgable CCIS Agent shop the insurance markets to&nbsp;provide you with a tailor-made&nbsp;insurance plan?&nbsp;&nbsp;</strong></span></em></strong><a href="http://www.ccisca.com/contact.aspx"><strong><em>Contact us&nbsp;</em></strong></a><strong><em><span style="color: #953734;">for a</span> <span style="color: #953734;">free</span> </em></strong><a href="http://www.ccisca.com/automobile/quick_insurance_quote.aspx"><strong><em>Auto Quote </em></strong></a><strong><em><span style="color: #953734;">today!</span></em></strong></p> </div> </div> </div>urn:uuid:7d84ee23-6151-4a04-b7be-c981f19ddb1c<img src='http://media.sacbee.com/smedia/2011/05/25/20/4M26RIVERSAFE.embedded.prod_affiliate.4.jpg' align='left' />Just days away from Memorial Day weekend, the American River is "a different river" compared with this time in years past, said Sacramento County Parks Director Janet Baker. "It's colder and swifter than normal," Baker said. "It's more dangerous." T...Thu, 26 May 2011 10:03:33 -0500<p>Just days away from <a href="http://topics.sacbee.com/Memorial+Day/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Memorial Day</a> weekend, the <a href="http://topics.sacbee.com/American+River/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">American River</a> is "a different river" compared with this time in years past, said Sacramento County Parks Director Janet Baker. </p> <p>"It's colder and swifter than normal," Baker said. "It's more dangerous."</p> <p>Traditionally the unofficial kickoff of summer, this <a href="http://topics.sacbee.com/Memorial+Day+weekend/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Memorial Day weekend</a> is expected to send boaters, rafters, swimmers and those who want to relax by the shore flocking to area waterways &ndash; even with forecasts that are decidedly more springlike.<br /> <br /> But due to an abundant winter snowfall and spring snowmelt in the Sierra, safety officials said, people need to be wary of faster conditions in local rivers, and wear personal flotation devices when they hit the water this weekend.<br /> <br /> Read more: <a href="http://www.sacbee.com/2011/05/26/3655345/sacramentos-rivers-are-cold-swift.html#ixzz1NTBO55zi" style="color: #003399;">http://www.sacbee.com/2011/05/26/3655345/sacramentos-rivers-are-cold-swift.html#ixzz1NTBO55zi</a><br /> <br /> <strong><span style="color: #953734;"><em>Boating is&nbsp;a great way to enjoy this weekend.&nbsp; This article&nbsp;includes tips to keep in mind if you are out on our lakes and rivers.&nbsp; Also, if your </em><a href="/boat/watercraft_insurance_quote.aspx"><em>boat</em></a></span></strong><strong><em><span style="color: #953734;">, jet skis&nbsp;or</span>&nbsp;</em></strong><a href="/motorcycle/insurance_quote.aspx"><strong><em>motorcycle</em></strong></a><em> <strong><span style="color: #953734;">have been garaged during the winter, you may not have insurance protection.&nbsp; If you would like CCIS to get you a free&nbsp;quote</span>,&nbsp;</strong></em><a href="/contact.aspx"><em><strong>contact us</strong></em></a><em><strong> <span style="color: #953734;">today!&nbsp; (800) 807-6871<br /> </span></strong></em> </p> <p style="text-align: center;"><img class="sc_sharable" alt="Bryan Patrick, Sac Bee" src="http://media.sacbee.com/smedia/2011/05/25/20/4M26RIVERSAFE.embedded.prod_affiliate.4.jpg" ev_id="31"></img> </p> <p style="text-align: center;">Photo by Bryan Patrick, Sac Bee</p>urn:uuid:4e4f8b4c-c3a8-4cdb-89fc-ad94f591fb86 By ALEX VEIGA AP Real Estate Writer California's attorney general has formed a new task force to investigate mortgage fraud in the wake of practices that crushed the state's housing industry and led to a wave of foreclosures. California's atto...Tue, 24 May 2011 17:36:46 -0500<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <div id="story_header"> <div class="byline author vcard">By ALEX VEIGA<br /> AP Real Estate Writer </div> <div class="pubdates" style="padding-bottom: 1.5em;"><a href="http://topics.sacbee.com/Los+Angeles/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FLos%2BAngeles%2F"><br /> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p><span style="font-size: 13px;">California's attorney general has formed a new task force to investigate mortgage fraud in the wake of practices that crushed the state's housing industry and led to a wave of foreclosures.</span></p> </div> </a><span style="font-size: 13px;">California's attorney general has formed a new task force to investigate mortgage fraud in the wake of practices that crushed the state's housing industry and led to a wave of foreclosures.The task force will be made up of 17 lawyers and eight state Department of Justice special agents who will pursue criminal and civil judgments on a broad spectrum of mortgage fraud cases, from predatory lending and loan modification scams, to fraud involving mortgage-backed securities, Attorney General </span><a href="http://topics.sacbee.com/Kamala+Harris/" class=" lingo_link" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FKamala%2BHarris%2F"><span style="font-size: 13px;">Kamala Harris</span></a><span style="font-size: 13px;"> said Monday.<br /> </span> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p><span style="font-size: 13px;">"We will work to safeguard the homeowner at every step of the process - from origination of a loan to its securitization, and we will prosecute to the fullest extent of the law those who take advantage of trusting California families," Harris said in a statement. </span></p> Read more: <a href="http://www.sacbee.com/2011/05/23/3647217/calif-creating-mortgage-task-force.html#ixzz1NJOkrmr6" style="color: #003399;">http://www.sacbee.com/2011/05/23/3647217/calif-creating-mortgage-task-force.html#ixzz1NJOkrmr6</a></div> <br /> <p><em><strong><span style="color: #953734;">If you have successfully avoided the pitfalls of the&nbsp;poor housing market, it may be&nbsp;a good time to review your&nbsp;<a href="/homeowners/insurance_quote.aspx">homeowners</a> or&nbsp;<a href="/renters/insurance_quote.aspx">renters</a> insurance policy</span>.&nbsp; </strong><a href="http://www.ccisca.com/contact.aspx"><strong>Cliff Cottam Insurance </strong></a><strong><span style="color: #953734;">is ready to assist you and answer&nbsp;any questions you may have.&nbsp; Call us at&nbsp;(800) 807-6871 today!&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></strong></em></p> </div> </div> </div> </div>urn:uuid:e0a0a6f4-59c6-42b3-86b3-39c584902dafToyota Motor Corp. has a way to go to fix crisis decision-making and other shortcomings in its corporate culture that played a key role in last year&rsquo;s safety debacle, a report by an advisory panel commissioned by the automaker said Monday. Sinc...Tue, 24 May 2011 14:13:27 -0500<p class="reuters">Toyota Motor Corp. has a way to go to fix crisis decision-making and other shortcomings in its corporate culture that played a key role in last year&rsquo;s safety debacle, a report by an advisory panel commissioned by the automaker said Monday.</p> <p>Since recalling millions of cars and trucks mainly over complaints of runaway accelerators, Toyota has appointed a North American director of quality and has taken other steps to overhaul the way it handles safety matters.</p> <p>But the panel appointed by Toyota to assess its response recommended a more muscular role for its North American leadership and a stronger communications effort across its global operations regarding vehicle safety.&nbsp; Read more: <a href="http://www.insurancejournal.com/news/international/2011/05/24/199766.htm">http://www.insurancejournal.com/news/international/2011/05/24/199766.htm</a></p>urn:uuid:b5a39654-6ba0-4fc7-be15-a537c12acfd1 http://www.youtube.com/watch?v=fEjr__nzv2Y&amp;feature=player_detailpage This dude is lucky to be alive after driving down this steep hill with his Jeep.&nbsp; As is it slides down it flips and he get thrown out without any scratches.&nbsp; Sure ho...Mon, 23 May 2011 17:36:13 -0500<a href="http://www.youtube.com/watch?v=fEjr__nzv2Y&amp;feature=player_detailpage"> http://www.youtube.com/watch?v=fEjr__nzv2Y&amp;feature=player_detailpage</a><br /> <br /> This dude is lucky to be alive after driving down this steep hill with his Jeep.&nbsp; As is it slides down it flips and he get thrown out without any scratches.&nbsp; Sure hope he played the lotto.<br /> <br /> <br /> <em><strong><span style="color: #953734;">I doubt that&nbsp;most of us will be trying to maneuvre down a rocky steep hill, but&nbsp; you still need insurance against&nbsp;the unknown.&nbsp;&nbsp;Give us a call or complete one of our online<a href="/automobile/default.aspx"> auto quote forms </a>today!&nbsp; <span style="font-size: 16px;">(800) 807-6871</span><br /> </span></strong></em>urn:uuid:8fff5e55-ebe1-42bf-b6e9-682fd88a0468 Red-light cameras, long controversial, are in the spotlight again.&nbsp; A state senator is pushing a bill restricting how law enforcement agencies run their camera programs &ndash; including putting an end to what some call "snitch" notices. Sen. J...Mon, 23 May 2011 15:59:50 -0500<p > Red-light cameras, long controversial, are in the spotlight again.&nbsp; A state senator is pushing a bill restricting how law enforcement agencies run their camera programs &ndash; including putting an end to what some call "snitch" notices.</p> <p>Sen. Joe Simitian's SB 29, which just passed the Senate, is itself a bit controversial. State Finance Department officials don't like the possibility that it may reduce state fine revenues. Some of the bill's elements are simple, requiring require law enforcement agencies to put signs up within 200 feet of all intersections that have cameras, alerting drivers. Current law allows cities to put those signs at <a href="http://topics.sacbee.com/city+limits/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">city limits.</a></p> <p>Another bill element seems obvious: Camera locations must be picked for <a href="http://topics.sacbee.com/safety+reasons/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">safety reasons,</a> not revenue- generation reasons.&nbsp; Agencies also must note on their citations how a driver can contact officers to discuss the ticket.</p> <p>The most interesting element of Simitian's bill involves a legal fact some drivers don't know: The registered owner of the car isn't required to pay the ticket if the photo shows someone else behind the wheel.</p> <p>Law enforcement agencies and their vendors often send registered owner notices that, Simitian says, imply the car owner is required to identify the driver.&nbsp;Simitian calls that a snitch ticket and a bit of a strong-arm tactic.</p> <p>Read more: <a href="http://www.sacbee.com/2011/05/23/3646160/back-seat-driver-bill-may-cut.html#ixzz1ND892K2i" style="color: #003399;">http://www.sacbee.com/2011/05/23/3646160/back-seat-driver-bill-may-cut.html#ixzz1ND892K2i</a></p> <br /> <span style="color: #953734;"><strong><em>Want to find out if Cliff Cottam Insurance can save you more on your Auto insurance?</em></strong> </span><em><strong><span style="color: #953734;">Simply</span> <a href="http://www.ccisca.com/contact.aspx">Contact Us </a><span style="color: #953734;">at (800) 807- 6871 for a free no obligation quote! Or, use our online </span><a href="http://www.ccisca.com/automobile/quick_insurance_quote.aspx">Auto Quote Form</a>.&nbsp; <strong><em><span style="color: #953734;">Ask about discounts that&nbsp;may reduce your premiums even more.</span></em></strong></strong></em>urn:uuid:8ac85051-eadd-4907-b6a9-ecfbbdb834a6<img src='http://media.sacbee.com/smedia/2011/05/12/09/660-Retail_Sales.sff.embedded.prod_affiliate.4.jpg' align='left' />Sacramento-area gasoline prices plunged more than a dime a gallon over the past week. The average retail price of gas in the Sacramento area fell 10.2 cents to $4.04 a gallon, according to today's weekly report by SactoGasPrices.com, a GasBuddy.com w...Mon, 23 May 2011 15:43:09 -0500<p>Sacramento-area <a href="http://topics.sacbee.com/gasoline+prices/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">gasoline prices</a> plunged more than a dime a gallon over the past week. The average retail price of gas in the Sacramento area fell 10.2 cents to $4.04 a gallon, according to today's weekly report by SactoGasPrices.com, a GasBuddy.com website.</p> <p>That price is still $1.08 higher than it was a year ago but 11.2 cents lower than one month ago.&nbsp;It was the third consecutive week of price declines locally - at-the-pump costs fell 1.5 cents and 4.9 cents a gallon, respectively, the previous two weeks.&nbsp; Nationally, the average price dropped 8.8 cents a gallon to $3.83 over the past week - 0.1 cents higher than last month and $1.04 ahead of last year.Energy analysts cited declining oil prices to explain the price declines, which run counter to the historical trend in the period just prior to the Memorial Day holiday weekend.<br /> <br /> Read more: <a href="http://www.sacbee.com/2011/05/23/3648008/sacramento-area-gas-prices-plunge.html#ixzz1ND5xO6cr" style="color: #003399;">http://www.sacbee.com/2011/05/23/3648008/sacramento-area-gas-prices-plunge.html#ixzz1ND5xO6cr</a></p> <p style="text-align: center;"><img width="316" height="196" class="sc_sharable" alt="Retail Sales" src="http://media.sacbee.com/smedia/2011/05/12/09/660-Retail_Sales.sff.embedded.prod_affiliate.4.jpg"> <div style="text-align: left;"></div> </img></p>urn:uuid:73f095e3-812c-4b40-ab77-6d551bf1ce28Riding a motorcycle provides a freedom that few other activities can, but the rebellious nature of the open road can also be very dangerous. That's why the motorcycle industry continues to develop innovative safety features to help protect riders no ...Sun, 22 May 2011 22:41:22 -0500Riding a motorcycle provides a freedom that few other activities can, but the rebellious nature of the open road can also be very dangerous. That's why the motorcycle industry continues to develop innovative safety features to help protect riders no matter what happens. <br /> <br /> According to The New York Times, the motorcycle industry has been <a href="http://www.nytimes.com/2008/10/30/automobiles/autospecial2/30skid.html" rel="nofollow">adapting car safety features</a> to help make motorcycles safer for riders. Developments have been taking place for several decades and some are now standard on certain models. <br /> <br /> First, make sure you get&nbsp;<a href="/motorcycle/insurance_quote.aspx">motorcycle insurance </a>in case something happens, but also choose a bike that has features that can help save your life and possibly lower your motorcycle insurance cost. Here are some of those important safety features to look for when shopping for a bike: <br /> <br /> 1. Antilock brakes <br /> Antilock braking systems continue to be refined for motorcycles. Bikes that have antilock brakes can help the rider brake quicker no matter what they might run into on the road. This can help them avoid accidents and remain in control. <br /> <br /> 2. Airbags <br /> Everyone knows about airbags as a standard safety feature for cars, but some motorcycles also utilize this technology. Mostly found behind the windscreen, bike airbags are typically meant to help riders should they have a head-on collision. <br /> <br /> 3. Design <br /> A motorcycle is designed to be aesthetically pleasing, but the construction can also help the driver keep the bike in control. Some bikes are intentionally made longer or wider to help with traction and control. <br /> <br /> 4. Anti-theft <br /> Some motorcycles come with anti-theft alarms and other technology to deter thieves. Ask about these when shopping for a bike. It's smart to always take additional precautions, such as locking your motorcycle to an immovable object. <br /> <br /> 5. Lights <br /> Lighting features on a motorcycle serve two important purposes: first they allow the rider to see when it is cloudy or dark out, and second, they allow other vehicles to see the rider and give them adequate space on the road.<br /> <br /> Read more:&nbsp; <a href="http://www.osceolaiowa.com/articles/ara/2011/05/20/8052352174/index.xml">http://www.osceolaiowa.com/articles/ara/2011/05/20/8052352174/index.xml</a>urn:uuid:07dac129-939e-41f6-b1c3-6a13d252b263 By Associated Press DETROIT &ndash; It's the best time in years to sell your car. People are holding on to cars and trucks for about a year longer than they did before the recession, which has created a tight supply of used vehicles. So few are on...Sat, 21 May 2011 10:47:59 -0500<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>By Associated Press <br /> <br /> DETROIT &ndash; It's the best time in years to sell your car.</p> <p>People are holding on to cars and trucks for about a year longer than they did before the recession, which has created a tight supply of used vehicles. So few are on the market that prices have risen to the highest in at least 16 years.</p> <p>Dealers are paying an average of $11,660 for a used car or truck, up almost 30 percent since December 2008. </p> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>"You're not going to find a situation like this very often," says <a href="http://topics.sacbee.com/Jonathan+Banks/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FJonathan%2BBanks%2F">Jonathan Banks,</a> executive analyst for the National Automobile Dealers Association used car pricing guide.</p> <p>The run-up in prices for <a href="http://topics.sacbee.com/used+cars/" class=" lingo_link" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Fused%2Bcars%2F">used cars</a> has been so dramatic that it almost doesn't make sense to buy them anymore, says David Whiston, an auto analyst for Morningstar. That's probably a good indication that prices are at or near a peak.</p> Read more: <a href="http://www.sacbee.com/2011/05/21/3642694/its-a-good-time-to-sell-a-used.html#ixzz1N0Beihha" style="color: #003399;">http://www.sacbee.com/2011/05/21/3642694/its-a-good-time-to-sell-a-used.html#ixzz1N0Beihha</a></div> <br /> <strong><em><span style="color: #953734;">Keep CCIS in mind to find you the lowest rates and best coverage for your <a href="/automobile/quick_insurance_quote.aspx">auto</a>, <a href="/motorcycle/insurance_quote.aspx">motorcycle </a>and <a href="/boat/watercraft_insurance_quote.aspx">boat</a>.&nbsp; We can shop the many&nbsp;insurance markets to choose the best&nbsp;company for you.&nbsp; <a href="/contact.aspx">Call us </a>at (800) 807-6871 for a free evaluation today!&nbsp;</span></em></strong></div>urn:uuid:458cbcc8-653e-4232-adeb-1327aa13e991 Law enforcement agencies in El Dorado County are planning a DUI crackdown for Memorial Day weekend, according to a South Lake Tahoe Police Department release. The enforcement campaign is scheduled to begin Friday. Placerville police will staff a sob...Sat, 21 May 2011 10:27:50 -0500<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>Law enforcement agencies in <a href="http://topics.sacbee.com/El+Dorado+County/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FEl%2BDorado%2BCounty%2F">El Dorado County</a> are planning a DUI crackdown for <a href="http://topics.sacbee.com/Memorial+Day+weekend/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FMemorial%2BDay%2Bweekend%2F">Memorial Day weekend,</a> according to a <a href="http://topics.sacbee.com/South+Lake+Tahoe/" class=" lingo_link" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FSouth%2BLake%2BTahoe%2F">South Lake Tahoe</a> Police Department release.</p> <p>The enforcement campaign is scheduled to begin Friday. <a href="http://topics.sacbee.com/Placerville/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FPlacerville%2F">Placerville</a> police will staff a <a href="http://topics.sacbee.com/sobriety+checkpoint/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Fsobriety%2Bcheckpoint%2F">sobriety checkpoint</a> in the city's downtown district from 7 p.m. Friday until 1 a.m. the following morning, according to the release. <a href="http://topics.sacbee.com/Driver%27s+licenses/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FDriver%2527s%2Blicenses%2F">Driver's licenses</a> will also be checked.</p> <p>Also starting that night, DUI saturation patrols will be carried out by police in the cities of <a href="http://topics.sacbee.com/Placerville/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">Placerville</a> and South Lake Tahoe, and sheriff's deputies will staff extra DUI units in South Lake Tahoe, the release states. Roving patrols will be deployed from Friday until Monday. </p> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>The <a href="http://topics.sacbee.com/California+Highway+Patrol/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FCalifornia%2BHighway%2BPatrol%2F">California Highway Patrol,</a> meanwhile, will assign 80 percent of all available officers to area freeways and unincorporated roads in their jurisdiction starting at 6 p.m. Friday until midnight Monday, the release states.</p> Read more: <a href="http://www.sacbee.com/2011/05/20/3643390/sacto-911-el-dorado-county-law.html#ixzz1N06Nv6xR" style="color: #003399;">http://www.sacbee.com/2011/05/20/3643390/sacto-911-el-dorado-county-law.html#ixzz1N06Nv6xR</a></div> <br /> <span style="color: #953734;"><strong><em>Have fun but drive defensively&nbsp;this Memorial Day.&nbsp; And, make sure you are protected against&nbsp;crazy drivers.&nbsp; Contact us for a free no obligation</em></strong></span> <a href="/default.aspx"><strong><em>auto quote </em></strong></a><span style="color: #953734;"><strong><em>at (800) 807-6871 today!<br /> </em></strong></span></div>urn:uuid:e5e37471-6bdf-4187-a03e-96bf181581ed<img src='http://media.sacbee.com/smedia/2011/05/07/16/378-576Gas_Prices.sff.highlight.prod_affiliate.4.jpg' align='left' />The thought of gassing up for a cross-country &ndash; or even crosstown &ndash; vacation is enough to unleash an expletive-filled rant worthy of Chevy Chase's Clark W. Griswold.&nbsp; With fuel costs hovering around $4 a gallon, many motorists and re...Thu, 19 May 2011 12:44:32 -0500<p>The thought of gassing up for a cross-country &ndash; or even crosstown &ndash; vacation is enough to unleash an expletive-filled rant worthy of <a href="http://topics.sacbee.com/Chevy+Chase/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Chevy Chase's</a> Clark W. Griswold.&nbsp; With <a href="http://topics.sacbee.com/fuel+costs/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">fuel costs</a> hovering around $4 a gallon, many motorists and recreation enthusiasts are rethinking and reworking spring and summer travel plans.</p> <p>Count the Jones family of <a href="http://topics.sacbee.com/Citrus+Heights/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Citrus Heights</a> among those cutting back. Gone are the days when this family of seven would pile into their Honda Odyssey van and go for a drive. </p> <p><a href="http://topics.sacbee.com/Julie+Jones/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Julie Jones,</a> 36, said the family will wrap their <a href="http://topics.sacbee.com/summer+vacation/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">summer vacation</a> in with a roughly 300-mile trip to <a href="http://topics.sacbee.com/San+Luis+Obispo/" class=" lingo_link lingo_link_hidden" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">San Luis Obispo</a> to celebrate her grandparents' anniversary.</p> <br /> Read more: <a href="http://www.sacbee.com/2011/05/19/3636737/high-gas-prices-fuel-shift-in.html#ixzz1MovWfunD" style="color: #003399;">http://www.sacbee.com/2011/05/19/3636737/high-gas-prices-fuel-shift-in.html#ixzz1MovWfunD</a><br /> <br /> <br /> <p style="text-align: center;"><img width="179" height="295" class="sc_sharable" alt="Gas Prices" src="http://media.sacbee.com/smedia/2011/05/07/16/378-576Gas_Prices.sff.highlight.prod_affiliate.4.jpg" ev_id="35"> <div style="text-align: left;"></div> </img><br /> <span style="color: #953734;"><strong>&nbsp;</strong></span></p> <p style="text-align: left;"><em><span style="color: #953734;"><strong>Most of us are looking for way to reduce our living expenses and this is one idea.&nbsp; Another way is&nbsp;to reevaluate your insurance.&nbsp;Not sure what coverage you currently have or what discount you might receive? Let us help you&nbsp;to assess your risks to protect your assets.&nbsp; Contact </strong></span></em><a href="http://www.ccisca.com/contact.aspx"><em><strong>Cliff Cottam Insurance Services </strong></em></a><span style="color: #953734;"><strong><em> for a free no obligation consultation!&nbsp; Give us a call at (800) 807-6871&nbsp;</em><em>today!</em><br /> </strong></span></p>urn:uuid:b82e542d-21d1-4707-888c-89e8143798d1Emergency workers in nearly half of California counties will be practicing for a catastrophic flood this week &mdash; a drill given added urgency by the once-in-a-generation flooding in the Mississippi River delta 2,300 miles to the east. The reason ...Wed, 18 May 2011 17:13:30 -0500<p>Emergency workers in nearly half of California counties will be practicing for a catastrophic flood this week &mdash; a drill given added urgency by the once-in-a-generation flooding in the Mississippi River delta 2,300 miles to the east.</p> <p>The reason for the drill is clear: Similar devastation has struck before, and federal officials have determined that California&rsquo;s capital has the highest flood risk of any U.S. city outside New Orleans.</p> <p>&ldquo;We&rsquo;ve got the potential for a mass evacuation if the worst conditions present themselves,&rdquo; said Mike Dayton, acting secretary of the California Emergency Management Agency.</p> <p>Residents need only turn on their televisions to see the sort of disruption and devastation that could occur on just a few days&rsquo; notice, he said. If conditions are just right, even the state&rsquo;s complex system of dams, flood gates and overflow areas might not be able to contain flood waters.</p> <p>More than 1,100 miles of levees built more than a century ago to create farmland in the Sacramento River delta are vulnerable&nbsp;... Read more: <a href="http://www.insurancejournal.com/news/west/2011/05/18/199130.htm">http://www.insurancejournal.com/news/west/2011/05/18/199130.htm</a><br /> <br /> <strong><em><span style="color: #953734;">This article is a reminder that you may need to have</span> </em></strong><a href="/flood/insurance_quote.aspx"><strong><em>Flood Insurance</em></strong></a>.&nbsp;<strong><em><span style="color: #953734;"> Many people don't realize that they are not covered under their Homeowners policy.&nbsp;&nbsp;<a href="/contact.aspx">Contact us </a>for a free no obligation quote at (800) 807-6871 today!<br /> </span></em></strong></p>urn:uuid:e4a8548c-d31a-4ccd-8f2c-317d7025cbaf05/17/11 -- According to research from Swinton Bikes, there has been an increase in women bikers taking to the roads in the past year, and they seem to be leading the way in biker safety. Swinton Bikes, one of the UK's leading high street retailers o...Wed, 18 May 2011 11:31:24 -050005/17/11 -- According to research from Swinton Bikes, there has been an increase in women bikers taking to the roads in the past year, and they seem to be leading the way in biker safety. <p>Swinton Bikes, one of the UK's leading high street retailers of <a href="http://www.swinton.co.uk/motor/motorcycle/">motorbike insurance</a> has seen a 14% increase in the number of women seeking bike insurance quotes compared to this time last year. </p> <p>Research has also shown that, proportionately, women motorbike riders are safer riders than male motorcyclists. In addition, while men may be reluctant to take up further training after passing their motorcycle test, women tend to demonstrate greater interest in advanced rider development training and safety courses after they have obtained their license. </p> <p>The growing popularity of women motorcyclists can be seen in the vast array of A-list celebrities who have swapped four wheels for two. Well known motorcycle riders and enthusiasts include Charlize Theron, Megan Fox, KD Lang, Angelina Jolie, Pink, Alanis Morissette and Courtney Cox, to name a few.&nbsp;&nbsp;Read more:&nbsp; <a href="http://www.sys-con.com/node/1838293">http://www.sys-con.com/node/1838293</a><br /> <br /> <strong><em>&nbsp;<a href="/contact.aspx"><strong><em>Cliff Cottam Insurance Services</em></strong></a>&nbsp;have many top rated insurance companies for <a href="/motorcycle/insurance_quote.aspx">Motorcycle Insurance</a>.&nbsp; Give us a call at (800) 807-6871 to get you the best rate today!</em></strong></p>urn:uuid:3c708a1a-3168-4038-9170-92f5db11abc6 Think your parking ticket is unfair? The city of Sacramento now allows drivers to go online, type in their citation number, and view a photo of their vehicle taken by the parking enforcement officer. The photos will show if the parking meter next to...Wed, 18 May 2011 11:15:02 -0500<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p >Think your parking ticket is unfair?</p> <p>The city of Sacramento now allows drivers to go online, type in their citation number, and view a photo of their vehicle taken by the parking enforcement officer.</p> <p>The photos will show if the parking meter next to the car or the "pay and display" sticker in the vehicle window have expired. If the driver agrees he or she has parked illegally, the program allows the driver to pay automatically online. </p> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;">The photos are posted for private view 24 to 36 hours after the citation was issued, city transportation official Linda Tucker said. All city parking ... Read more: <a href="http://www.sacbee.com/2011/05/18/3634991/city-will-post-web-photos-as-parking.html#ixzz1MimOBqaV" style="color: #003399;">http://www.sacbee.com/2011/05/18/3634991/city-will-post-web-photos-as-parking.html#ixzz1MimOBqaV</a></div> </div>urn:uuid:7770a2a0-51e4-4e9a-8fca-1df3a673df6cGreat summer job for college students or anyone looking for part time work with&nbsp;social networking skills!&nbsp;&nbsp; Company Overview Cliff Cottam Insurance Services is an insurance agency specializing in auto, home and business insurance.&nb...Tue, 17 May 2011 17:22:35 -0500<p><b><i><span style="color: #953734; font-size: 13px;">Great summer job for college students or anyone looking for part time work with&nbsp;social networking skills!&nbsp;&nbsp;<br /> <br /> </span></i></b><strong><strong>Company Overview<br /> <br /> </strong>Cliff Cottam Insurance Services is an insurance agency specializing in auto, home and business insurance.&nbsp; We represent a wide array of insurance carriers and have a combined total of over 50 years of insurance experience.&nbsp; We have gained respect throughout the insurance industry for our technical knowledge and ethical standards.</strong></p> <strong>Position Description</strong><br /> Cliff Cottam Insurance Services is an insurance agency specializing in auto, home and business insurance.&nbsp; We represent a wide array of insurance carriers and have a combined total of over 50 years of insurance experience.&nbsp; We have gained respect throughout the insurance industry for our technical knowledge and ethical standards.<strong><br /> </strong>We are looking for a web savvy person to work diligently to give the agency a presence on all social networking arenas. The ideal candidate understands the mechanics and cultures of Twitter, Facebook, YouTube, and blogging. <br /> <br /> <p>Receive school credits for students from&nbsp;California State University, Sacramento or&nbsp;Los Rios Community Colleges!&nbsp; Depending on results and success, an offer for longer term employment may be offered.&nbsp; Hours are flexible and we will work with your school schedule. The incumbent reports to the Marketing Representative. <br /> <br /> <strong>Knowledge and Abilities</strong></p> <ul style="list-style-type: disc;"> <li>High aptitude for technology and social networking sites </li> <li>Understanding of how to use social networking to market and promote in a business environment </li> <li>Able to work independently and in a team environment </li> <li>Be creative to find new outlets and opportunities for the agency </li> <li>Be consistent and professional in all communications </li> <li>Interacts well with other people </li> <li>Can do anything attitude </li> <li>Basic HTML knowledge </li> </ul> <p><strong>Responsibilities</strong></p> <ul style="list-style-type: disc;"> <li>To effectively market and promote agency and industry news/success stories via the internet </li> <li>To educate the modern consumer about the Independent Agency </li> <li>To creatively find new outlets and opportunities for the agency to advertise and promote online </li> <li>To blog, tweet, use facebook, and add content to our website </li> <li>Create or find YouTube videos to market agency </li> <li>Develop and design templates or pages for website and e-mail blasts </li> <li>Evaluate our web presence and make recommendations </li> <li>Research and identify market trends, audience behavior, and marketing opportunities <br /> <strong></strong></li> </ul> <p><strong>To Apply<br /> </strong><br /> Submit an<a href="http://www.ccisca.com/category.aspx?id=MISC15"> Employment Application&nbsp;</a>and resume to Cliff Cottam Insurance Services, 3830 Watt Ave, Suite 3, Sacramento, CA 95821.&nbsp;&nbsp;You may also email it to <a href="mailto:dcottam@ccisca">dcottam@ccisca</a> or fax it to (916) 488-4796.&nbsp; </p>urn:uuid:f63024aa-7609-454d-aebe-604207821b2cBy Stephanie Ryder May 16th, 2011 I feel like I am paying way, way too much for my car insurance. Claims for &ldquo;lowest rates&rdquo; seem to be everywhere. How do I find out for sure? Preparation is key when comparing car insurance. In order to f...Tue, 17 May 2011 10:18:09 -0500By Stephanie Ryder<br /> May 16th, 2011<br /> <br /> <strong><span style="font-size: 13px;">I feel like I am paying way, way too much for my car insurance. Claims for &ldquo;lowest rates&rdquo; seem to be everywhere. How do I find out for sure?</span></strong> <p><span style="font-size: 13px;">Preparation is key when comparing car insurance. In order to find the best auto insurance for your specific needs, you must be prepared when shopping for insurance.</span></p> <p><b><span style="font-size: 13px;">Know the laws of your state</span></b></p> <p><span style="font-size: 13px;">Find out how much insurance is mandated in your state. </span><a href="http://www.naic.org/state_web_map.htm" target="_blank"><span style="font-size: 13px;">Locate your state&rsquo;s department of insurance</span></a><span style="font-size: 13px;"> to find out the legal requirements for insurance.</span></p> <p><b><span style="font-size: 13px;">Determine what type of coverage you need</span></b></p> <p><span style="font-size: 13px;">Determine which type of insurance you would like to purchase. Depending on your state requirements, your banks requirements (if the car is financed), and your personal preferences, determine which types of auto insurance coverage you are going to buy.</span></p> <p><b><span style="font-size: 13px;">Obtain a copy of your driving record</span></b></p> <p><span style="font-size: 13px;">Get a copy of your driving record from the DMV. When applying for an auto insurance policy, you need to know exactly how many accidents and moving violations are on your record. Get the information ahead of time in case there are any errors on your record that you would like to dispute before applying for insurance.</span></p> <p><span style="font-size: 13px;">See also: </span><a href="http://www.e-wisdom.com/tips/insurance/home-insurance/credit-reports-and-insurance/"><span style="font-size: 13px;">Your credit report can affect your insurance rates</span></a></p> <p><b><span style="font-size: 13px;">Shop around</span></b></p> <p><span style="font-size: 13px;">Contact four or five insurance companies that provide auto insurance quotes. The quotes should be free. Do not deal with a company that charges you for quotes. Ask for quotes for several different deductibles and limits. </span></p> <p><span style="font-size: 13px;">In order to determine which type of insurance is best for you, get several different quotes and weigh the advantages and disadvantages of each. Read the fine print to determine if there are any restrictions that may require additional premiums or fees.</span></p> <p><span style="font-size: 13px;"><b>Ask about discounts</b> </span></p> <p><span style="font-size: 13px;">Many companies offer "good driver" discounts if you have gone a number of years without a ticket. They may also provide </span><a href="http://www.e-wisdom.com/tips/insurance/auto-insurance/auto-insurance-discounts-to-look-for/"><span style="font-size: 13px;">additional discounts</span></a><span style="font-size: 13px;"> if you drive less than a specified number of miles per year, store your car in secure garage, or your care features airbags, anti-lock brakes or an alarm.<br /> Read more tips <a href="http://www.e-wisdom.com/news/insurance/auto-insurance/be-prepared-when-shopping-around-for-auto-insurance-110230008/">http://www.e-wisdom.com/news/insurance/auto-insurance/be-prepared-when-shopping-around-for-auto-insurance-110230008/</a><br /> <br /> </span><strong><em><span style="color: #953734; font-size: 13px;">As an independent agency we will do all of the above to find you the most affordable policy with the best coverage.&nbsp; This is what makes us different from the big insurance companies - -who offer only their insurance.&nbsp; Why not let us shop the many insurance markets for you?&nbsp; </span><a href="/contact.aspx"><span style="font-size: 13px;">Contact us </span></a><span style="color: #953734; font-size: 13px;">at (800) 807-6871 or fill out&nbsp;our </span><a href="/automobile/quick_insurance_quote.aspx"><span style="font-size: 13px;">auto quote form </span></a><span style="color: #953734; font-size: 13px;">today!<br /> </span></em></strong></p>urn:uuid:0aa45d99-4f4f-46b9-8566-36b4885c7aed<img src='http://www.cartalk.com/common/images/redtruck.gif' align='left' />By Car Talk Dear Tom and Ray: I've been driving for more years than I care to say, but this is the first I've heard of something called a "smoke test." Recently I noticed a gas odor coming from somewhere around the back end of my car. I couldn't pi...Mon, 16 May 2011 19:28:18 -0500<strong>By Car Talk<br /> <br /> Dear Tom and Ray:<br /> <br /> </strong>I've been driving for more years than I care to say, but this is the first I've heard of something called a "smoke test." Recently I noticed a gas odor coming from somewhere around the back end of my car. I couldn't pinpoint it to any specific location, e.g., around the gas cap, but the odor was unmistakable. No sign of any leaks on the garage floor, and I didn't smell anything inside the car, including when driving. I thought perhaps gas somehow had been splashed on the car, but after leaving it out in the rain to wash it off (it was too cold to get out the hose), the smell persisted. I took it to a chain repair place for a look, and while they also could smell the gas, they couldn't see anything, and said they'd have to start disassembling things to find it. They suggested that a better option would be to have a "smoke test" done, but I'd have to take it to a dealer, as they didn't have that equipment. So, what the heck is a "smoke test," and is that the best option? -- Chris<br /> <br /> <img width="216" height="117" style="float: right;" alt="Beat up old car" src="http://www.cartalk.com/common/images/redtruck.gif"></img><b>TOM:</b> We used a primitive smoke test back in the old days, Chris. <br /> <br /> <b>RAY:</b> My brother would just blow smoke from his El Productos into the fuel filler opening, and we'd see where it came out. Then one day he dropped a lit ash in there, and that was the end of his beard AND the customer's Vega.<br /> <br /> <b>TOM:</b> Yeah. But a smoke test is the right approach for you, Chris. We have a modern smoke machine at our garage now. It plays Deep Purple when you use it.<br /> <br /> Read more: <a href="http://www.cartalk.com/content/columns/latest.html">http://www.cartalk.com/content/columns/latest.html</a>urn:uuid:1cddfc8f-383d-46d2-9cf0-46585541e6d8As reported from the Sacramento Bee, here our traffic alerts you may want to know about&nbsp;if you are out and about this weekend. May 14, 2011 The Amgen Tour of California's first stage circles Lake Tahoe 1 1/2 times Sunday, with the race starting...Sat, 14 May 2011 15:17:03 -0500<p><strong><em><span style="color: #953734;">As reported from the Sacramento Bee, here our traffic alerts you may want to know about&nbsp;if you are out and about this weekend.<br /> May 14, 2011<br /> </span></em></strong><br /> The Amgen Tour of California's first stage circles Lake Tahoe 1 1/2 times Sunday, with the race starting in <a href="http://topics.sacbee.com/South+Lake+Tahoe/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">South Lake Tahoe</a> and concluding at the Northstar-at-Tahoe Resort.</p> <p>Rolling road closures: Roads on the Tahoe route will close about 30 minutes before the cyclists pass.</p> <p>Highway 50 closed: Caltrans has closed the route for at least two weeks due to a construction project at Echo Summit. Travelers are advised to take <a href="http://topics.sacbee.com/Interstate+80/" class=" lingo_link" style="font-size: 15px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Interstate 80</a> or the official detour on highways 88 and 89. </p> <p> Sacramento street closure: In preparation for Stage 2 on Monday, 10th Street will close between L and N streets at 8 a.m. on Sunday. <br /> <br /> .......................................................................................................................................................................................</p> <div class="asset-body"> <p>The Elk Grove Police Department will combat drunk driving over the next two weeks with a <a href="http://topics.sacbee.com/sobriety+checkpoint/" class=" lingo_link lingo_link_hidden" style="font-size: 14px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">sobriety checkpoint</a> next Friday and several roving DUI saturation patrols, one of which will be deployed today, according to a department news release.</p> <p>The department's traffic bureau will conduct the <a href="http://topics.sacbee.com/sobriety+checkpoint/" class=" lingo_link lingo_link_hidden" style="font-size: 14px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">sobriety checkpoint</a> from 8 p.m. May 20 until 3 a.m. the next morning, at an undisclosed location within Elk Grove city limits, according to the release. Officers will also check <a href="http://topics.sacbee.com/driver%27s+licenses/" class=" lingo_link" style="font-size: 14px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">driver's licenses.</a></p> </div> <div class="asset-more" id="more"> <p>DUI saturation patrols will also be deployed May 13, 14, 21 and 27, the release states.</p> <p>Over the last three years, six Elk Grove residents have died in DUI collisions, and 111 residents have been injured in 88 DUI crashes, the release states.</p> <p>Funding for the checkpoint and saturation patrols is provided through a DUI Enforcement and <a href="http://topics.sacbee.com/Awareness+Grant/" class=" lingo_link lingo_link_hidden" style="font-size: 14px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">Awareness Grant</a> made available by the <a href="http://topics.sacbee.com/California+Office+of+Traffic+Safety/" class=" lingo_link lingo_link_hidden" style="font-size: 14px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">California Office of Traffic Safety,</a> through the <a href="http://topics.sacbee.com/National+Highway+Traffic+Safety+Administration/" class=" lingo_link" style="font-size: 14px; font-style: normal; font-weight: 400; display: inline; cursor: pointer;" rel="nofollow">National Highway Traffic Safety Administration,</a> according to the release.</p> </div>urn:uuid:c0753b45-5357-4312-b593-8f06f24edc0cSome insurance companies offer low rates, but not personal service. Others provide an agent, but you pay for it with higher premiums. Why should you have to choose one or the other? Wouldn't it be great to get both? Well, you can with Mercury. We off...Sat, 14 May 2011 14:48:07 -0500<p>Some insurance companies offer low rates, but not personal service. Others provide an agent, but you pay for it with higher premiums. Why should you have to choose one or the other? Wouldn't it be great to get both?</p> <p>Well, you can with Mercury. We offer some of the lowest rates around and you also get your own dedicated agent when you become a Mercury customer. So have your cake and eat it, too. Choose heads AND tails. Hit AND stay. Both &mdash; because you deserve more. You deserve Mercury. </p> <h5><span style="font-size: 13px;">Low Rates</span></h5> <p>Mercury has been helping families like yours save money on their insurance for more than 45 years. In fact, recent surveys have shown that our customers often save hundreds or even thousands of dollars each year when they switch their auto insurance to Mercury. So what are you waiting for? Get a fast, free quote today to see how much Mercury can save you.</p> <h5><span style="font-size: 13px;">Dedicated Agents</span></h5> <p>At Mercury, we understand that there is no such thing as one-size-fits-all insurance. As a Mercury agent we will work with you to create a protection plan just for you.&nbsp;Cliff Cottam Insurance Services &nbsp;will find you the lowest rate, and search for discounts that could save you even more. The best part is that this personalized service and expert advice is included with every policy. So <a href="/contact.aspx">contact us </a>at (800) 807-6871 today!&nbsp;If you want&nbsp;to know immediately how much&nbsp;your auto premium will be, complete the Mercury Auto Form on our <a href="/default.aspx">Home Page</a>.&nbsp;&nbsp;</p>urn:uuid:dd924f70-749a-45b5-82c6-a72a709450f6There are plenty of things that motorcycle riders have to think about when riding down the highway at high speeds. One particular technique of concern is whether or not you are occupying your lane properly. Here are some tips on riding safely and suc...Sat, 14 May 2011 14:27:28 -0500There are plenty of things that motorcycle riders have to think about when riding down the highway at high speeds. One particular technique of concern is whether or not you are occupying your lane properly. Here are some tips on riding safely and successfully in your lane.<br /> <br /> First things first, be certain that you are always leaving yourself enough room. This is key because you need it in order to be able to react quickly in any dangerous situations that might occur. A good rule of thumb for any rider regardless of how experienced you are is to leave at least two seconds between you and the rider behind you.<br /> <br /> Next, you have to realize that you are at a huge disadvantage when on the road because of the size of the vehicle you are riding. A motorcycle doesn't take up much space on the road and you appear to be much narrower than other types of vehicles. <br /> <br /> Read more: .<a href="http://articledirectory.com/Art/719820/61/Motorcycle-Tips-How-To-Ride-Properly-Within-Your-Lane.html">http://articledirectory.com/Art/719820/61/Motorcycle-Tips-How-To-Ride-Properly-Within-Your-Lane.html</a>&nbsp; <br /> <br /> <strong><em><span style="color: #953734;">For more information about a specialized Motorcycle insurance policy&nbsp;contact</span> </em></strong><a href="http://www.ccisca.com/contact.aspx"><strong><em>Cliff Cottam Insurance Services </em></strong></a><strong><em><span style="color: #953734;">at 1-800-807--6871. Or, complete our online </span></em></strong><a href="http://www.ccisca.com/motorcycle/insurance_quote.aspx"><strong><em>Motorcyle Insurance Quote </em></strong></a><strong><em><span style="color: #953734;">form.</span></em></strong>urn:uuid:d5289e1a-4705-4f68-8e43-6e0656c7196dPending bill proposes a five-year extension of coverage; other reforms for insurance woes are in the works. Sacramento Business Journal - by Robert Celaschi, Correspondent In large swaths of Sacramento County, no homebuyer can get a mortgage without...Sat, 14 May 2011 14:08:19 -0500<h3 class="subhead"><span style="font-size: 13px;">Pending bill proposes a five-year extension of coverage; other reforms for insurance woes are in the works. Sacramento Business Journal - by Robert Celaschi, Correspondent</span> </h3> <p>In large swaths of Sacramento County, no homebuyer can get a mortgage without flood insurance. It sounds like a captive market, but standard home insurance policies<strong><em> don&rsquo;t cover floods.</em></strong></p> <p>Flood insurance literally takes an act of Congress.</p> <p>For the past few years, Congress has been reluctant to keep flood insurance available for more than a few months at a stretch. Several times in the past year, including the entire month of June 2010, there was no flood insurance available at all. The <a href="http://www.bizjournals.com/profiles/company/us/dc/washington/national_association_of_realtors/3250995/" class="ct saveLink" ct="APT: Company Link">National Association of Realtors</a><a href="http://www.bizjournals.com/sacramento/print-edition/2011/05/13/flood-insurance-unpredictability-sinks.html#bizWatch-infoPopup" class="inline follow bizWatchPlus executable" id="reconid-3250995-National_Association_of_Realtors" rel="bizWatch"></a> estimated that about 1,400 real estate transactions a day were stalled during the lapse. Read more: <a href="http://www.bizjournals.com/sacramento/print-edition/2011/05/13/flood-insurance-unpredictability-sinks.html#ixzz1MM4Bii5Q" style="color: #003399;">Flood insurance unpredictability sinks real estate | Sacramento Business Journal</a><br /> <strong><em><br /> </em></strong><a href="http://www.ccisca.com/contact.aspx"><strong><em>Contact</em></strong></a><strong><em> <span style="color: #953734;">Cliff Cottam Insurance Services to make sure your home and contents are covered. You can also complete our online </span></em></strong><a href="http://www.ccisca.com/flood/insurance_quote.aspx"><strong><em>Flood Quote </em></strong></a><span style="color: #953734;"><strong><em>form.&nbsp; Policies take 30 days to become effective - -&nbsp;so don't wait! Call us at (800) 807-6871.</em></strong><br /> </span></p>urn:uuid:fc29a80a-1b7b-4a39-9b70-7da353891facCliff Cottam Insurance Services is a Mercury Insurance Representative. Mercury is well known for having the "best" rates for teenage drivers. Why not let us give you a no obligation Auto Quote today!&nbsp; For many teens - and their parents - a driv...Fri, 13 May 2011 20:33:30 -0500<strong><em>Cliff Cottam Insurance Services is a Mercury Insurance Representative. Mercury is well known for having the "best" rates for teenage drivers. Why not let us give you a no obligation </em></strong><a href="http://www.ccisca.com/automobile/quick_insurance_quote.aspx"><strong><em>Auto Quote </em></strong></a><strong><em>today!&nbsp; </em></strong><br /> <p>For many teens - and their parents - a driver's license is a ticket to freedom. However, before taking to the road, it's important that they understand the responsibilities that come with driving. </p> <p>Henry Blumenthal, vice president and chief underwriter for TD Insurance offers the following tips for new drivers: </p> <p>1) Make sure you're covered. </p> <p>2) Take a driver's education course. </p> <p>3) Know your limits. </p> <p>4) Be prepared. </p> <p>5) Get set before you hit the gas </p> <p >Read more: <a href="http://www.thenownewspaper.com/business/five%20insurance%20tips%20young%20drivers/4771182/story.html#ixzz1MHnrJOuR" style="color: #003399;">http://www.thenownewspaper.com/business/five%20insurance%20tips%20young%20drivers/4771182/story.html#ixzz1MHnrJOuR</a></p>urn:uuid:73933daf-3459-4417-baec-4c2488cf6673By Claudia Buck cbuck@sacbee.com Its the kind of sticker shock that makes any parent wince: car insurance for your teenage driver.&nbsp; For families with teens behind the wheel, you know what we're talking about: high-octane jumps in insurance prem...Fri, 13 May 2011 11:11:01 -0500<p>By Claudia Buck<br /> <a href="mailto:cbuck@sacbee.com">cbuck@sacbee.com</a><br /> <br /> Its the kind of sticker shock that makes any parent wince: car insurance for your teenage driver.&nbsp; For families with teens behind the wheel, you know what we're talking about: high-octane jumps in insurance premiums, especially if your 16-to-19-year-old is a boy.</p> <p>"Teens are statistically the most dangerous drivers on the road compared to other age groups," said Tully Lehman, spokesman for the Insurance Information Network of California.&nbsp; Unfortunately, that added risk &mdash; accidents, speeding tickets, crashes &mdash; revs insurance costs into overdrive.</p> <p>"Adding a student to a parent's insurance policy roughly doubles the premium," Lehman said.</p> <p><strong><span style="font-size: 16px;">How to save</span></strong></p> <p>First, shop around. Not all insurers charge the same rates for teens, depending on the frequency and severity of loss claims in a given area or ZIP code.&nbsp; That's why comparing premiums from four or five companies will yield a wide range of rates.</p> <p>"That's the best way for anybody to save, especially for younger drivers," said Brad Cooper, a senior vice president for insurance Web site InsWeb.com. "They'll see a big variation."</p> <p>When contacting insurance companies for quotes, "make sure to compare apples to apples, in terms ofthe coverage limits and the deductible amounts," said California Deputy Insurance Commissioner Joel Laucher.</p> <h3>Keep grades up</h3> <p>One of the biggest breaks for teen drivers is a "good student" discount. Typically, if your kid has a 3.0 or better grade-point average, you can shave off anywhere from 10 percent to 25 percent, depending on the insurer.</p> <p>Read more: <a href="http://www.modbee.com/2011/05/12/1682686/teen-insurance-young-drivers-can.html#ixzz1MFSwg7P3" style="color: #003399;">http://www.modbee.com/2011/05/12/1682686/teen-insurance-young-drivers-can.html#ixzz1MFSwg7P3</a><br /> <br /> <strong><em><span style="color: #953734;"><a href="/contact.aspx"><strong><em><span style="color: #953734;">Cliff Cottam Insurance Services </span></em></strong></a>will shop multiple insurance companies to find&nbsp;you the most affordable rates.&nbsp;Among the companies we can place your business with,&nbsp;is Mercury Insurance. Mercury is well known for having the "best" rates for teenage drivers. Why not let us give you a no obligation</span> </em></strong><a href="http://www.ccisca.com/automobile/quick_insurance_quote.aspx"><strong><em>Auto Quote </em></strong></a><strong><em><span style="color: #953734;">today!&nbsp; </span></em></strong></p>urn:uuid:7ff15c63-9e3e-491d-b739-158864097123<img src='http://www.ccisca.com/img/~www.ccisca.com/Harley Motorcycle.jpg' align='left' /> With the high cost of gas, some people are&nbsp;purchasing motorcycles for the first time.&nbsp; Here are some common questions from new riders&nbsp;by&nbsp;Motorcycle Mentor.&nbsp; Beginning Rider Fear is real &mdash; at least to many.&nbsp;&nbsp...Thu, 12 May 2011 18:16:47 -0500<p style="text-align: center;"><strong><em><span style="color: #953734;"><img alt="" width="285" height="177" style="width: 248px; height: 133px;" src="/img/~www.ccisca.com/Harley Motorcycle.jpg" /><br /> <br /> With the high cost of gas, some people are&nbsp;purchasing motorcycles for the first time.&nbsp; Here are some common questions from new riders&nbsp;by&nbsp;Motorcycle Mentor.&nbsp;<br /> <br /> </span></em>Beginning Rider Fear</strong> is real &mdash; at least to many.&nbsp;&nbsp;&nbsp;&nbsp;</p> <p>I frequently receive questions about &rdquo; this fear when I&rsquo;m riding.&rdquo;</p> <p>Each rider defines it differently. To some it&rsquo;s an uncomfortable feeling. To others it&rsquo;s closer to a panic attack.</p> <p>Does every beginning motorcyclist experience this fear? Probably not. But from the emails I&rsquo;ve received, many DO &mdash; some to the point of <em>doubting everything</em>&hellip; including their decision to ride in the first place.</p> <p>I vividly remember having this FEAR when I started riding again. It&rsquo;s hard for me to describe my feelings in words. At times I felt anxious, awkward, and overwhelmed. <strong>I questioned everything</strong> &ndash; including my abilities and my sanity.</p> <ul> <li>What if I dropped it at a busy intersection (how embarrassing). </li> <li>What would it feel like if one of those steel boxes hit me? </li> <li>Is this really a good decision? </li> <li>Am I being selfish? (My family/friends were against it). </li> <li>Did I purchase the wrong motorcycle? </li> <li>Do I even enjoy riding? </li> </ul> <p>Read the answers @ <a href="http://motorcyclementor.com/overcoming-fear-when-learning-to-ride-a-motorcycle/">http://motorcyclementor.com/overcoming-fear-when-learning-to-ride-a-motorcycle/</a><br /> <br /> <strong><em><span style="color: #953734;">If you have recently purchased a new motorcycle, check out the premiums with</span> </em></strong><a href="/contact.aspx"><strong><em>Cliff Cottam Insurance</em></strong></a><strong><em>.&nbsp; <span style="color: #953734;">We have several insurance companies to&nbsp;compare rates and coverage.&nbsp; Give us a call at (800) 807-6871 or complete our online</span>&nbsp;<a href="/motorcycle/insurance_quote.aspx">Motorcycle Quote</a> <span style="color: #953734;">form today!&nbsp;</span></em></strong></p>urn:uuid:ba4ed35d-bc60-42c8-ba5e-9f9f67ee1459 This&nbsp;article may be important&nbsp;for you to know about access to&nbsp;your personal information.&nbsp; &nbsp; By Lisa Greim, PCWorld April 20, 2011&nbsp; Dropbox--flamed this week for revealing that it will hand over your stored files to t...Thu, 12 May 2011 11:20:41 -0500<p class="byline"><strong><span style="color: #953734;"><em><br /> This&nbsp;article may be important&nbsp;for you to know about access to&nbsp;your personal information</em>.&nbsp;<br /> </span></strong>&nbsp;<br /> By <a href="http://www.pcworld.com/author/Lisa-Greim">Lisa Greim</a>, <a href="http://www.pcworld.com/" target="_blank">PCWorld</a> April 20, 2011&nbsp; </p> <div id="articleText"> <div class="articleBodyContent"> <p>Dropbox--flamed this week for revealing that <a href="http://www.pcworld.com/article/225549/update_dropbox_will_hand_over_your_files_to_the_feds_if_asked.html">it will hand over your stored files to the feds</a> if requested--is not alone in its willingness to throw users' privacy under the proverbial bus.</p> <p>Nor is Apple, under the gun today after a revelation by <a href="http://radar.oreilly.com/2011/04/apple-location-tracking.html">O'Reilly Radar</a> that <a href="http://www.pcworld.com/article/225754/exactly_what_does_your_apple_iphone_or_ipad_record_about_you.html">3G iPads and iPhones keep track of users' locations</a> in unencrypted files.The Electronic Frontier Foundation recently released its annual <a href="https://www.eff.org/pages/when-government-comes-knocking-who-has-your-back" vglnk_1305216287855="7">Privacy and Protection Report Card</a>, rating the largest online players' performance in four categories: </p> <ul> <li>Telling users <a href="https://www.eff.org/deeplinks/2011/04/who-has-your-back-in-depth-which-companies-promise" vglnk_1305216287855="8">about data demands</a></li> <li>Being transparent about government requests for information</li> <li>Fighting for user privacy in the courts</li> <li>Advocating for privacy before Congress</li> </ul> <p>EFF asks the provocative question, "When the government comes knocking, who has your back?" The discouraging but unsurprising answer appears to be, "You better have your own," because <a href="https://www.eff.org/pages/when-government-comes-knocking-who-has-your-back" vglnk_1305216287855="6">almost everybody failed</a>.</p> <p><a href="http://www.zdnet.com/blog/violetblue/amazon-google-and-twitter-top-eff-8217s-privacy-scorecard/302" vglnk_1305216287855="5">As ZDNet's Violet Blue</a> said, "They've either got your back in a pinch, or they'll sing like yellow canaries when the chips are down and sacrifice you without a second glance."<br /> <br /> <strong><span style="font-size: 16px;">How the Big Boys Did</span></strong></p> <p>Among the tech firms whose performance on privacy issues can best be described as "not terrible:" Google (two stars plus two half-stars), Amazon (two stars) and Twitter (one star and two half-stars).&nbsp;Google was the only surveyed company to rate something in all four categories, giving it a solid grade... Read more: <a href="http://www.pcworld.com/article/225811/whos_screwing_you_over_on_privacy_issues_pretty_much_everybody.html#tk.mod_rel">http://www.pcworld.com/article/225811/whos_screwing_you_over_on_privacy_issues_pretty_much_everybody.html#tk.mod_rel</a>&nbsp;</p> </div> </div>urn:uuid:f65f630c-8510-405a-ae4f-e320d4b31ac0Researchers examining the San Andreas Fault in central California have found evidence that distant earthquakes can trigger episodes of accelerated &mdash; but still very slow &mdash; slip motion, deep on the fault. While a sudden slip on a fault gene...Wed, 11 May 2011 22:06:29 -0500<p>Researchers examining the San Andreas Fault in central California have found evidence that distant earthquakes can trigger episodes of accelerated &mdash; but still very slow &mdash; slip motion, deep on the fault.</p> <p>While a sudden slip on a fault generates earthquakes capable of strong shaking, a fault can also slip slowly. Sometimes, these slow movements on a fault, known as creep events, are accompanied by a weak ground vibration known as a tectonic tremor, which can be detected on sensitive seismometers, the U.S. Geological Survey explained.&nbsp;<br /> Read entire article: <a href="http://www.insurancejournal.com/news/west/2011/05/11/198041.htm">http://www.insurancejournal.com/news/west/2011/05/11/198041.htm</a><br /> <br /> <strong><em>"A Homeowners Policy will not cover losses caused by an earthquake. But, you need to decide if you are at risk as this article states</em></strong><strong><em>. If you would like to find out how much it would cost you, contact us at (800) 807-6871. Or, complete our </em></strong><a href="http://www.ccisca.com/earthquake/insurance_quote.aspx"><strong><em>Earthquake Quote </em></strong></a><strong><em>form."</em></strong></p>urn:uuid:eb0d70aa-8ac1-43ae-9972-7d450bd9b707For many Americans, the idea of starting their own business has been a bit of a pipe dream--a risky idea that could only happen if all the stars aligned just right. The current economic disaster has changed all that, and entrepreneurship is now not o...Wed, 11 May 2011 20:47:44 -0500<p>For many Americans, the idea of starting their own business has been a bit of a pipe dream--a risky idea that could only happen if all the stars aligned just right. The current economic disaster has changed all that, and entrepreneurship is now not only a good option, it's the <em>only</em> option for a lot of people.</p> <p>Here are a few things you need to know about entrepreneurship in the new economy.</p> <p><strong>The jobs are gone...and they aren't coming back.</strong></p> <p>This economic disaster is going to recover solely on the backs of small business. The government programs and oversized corporations aren't going to create jobs, in fact some of the most profitable behemoths are continuing to lay off workers, using the economy as an excuse. New businesses have been shouldering the load of job creation for decades...over 80% of new jobs come from companies that are five years old or younger. Starting your own business not only secures your own worklife and financial future, it also will make a positive impact on your local economy.&nbsp;</p> <p><strong>Entrepreneurship is your best bet to a better life. Read more: <a href="http://www.manta.com/small-business/entrepreneurship_now_0111?referid=10661">http://www.manta.com/small-business/entrepreneurship_now_0111?referid=10661</a><br /> <br /> <br /> <strong><em><strong>At Cliff Cottam Insurance Services we understand the plight of small businesses.</strong> Let us help you to assess your business insurance needs. </em></strong><a href="http://www.ccisca.com/contact.aspx"><strong><em>Contact us </em></strong></a><strong><em>for at (800) 807-6871 for a free consultation. Or, just click </em></strong><a href="http://www.ccisca.com/business/general_liability_quote.aspx"><strong><em>General Liability Quote </em></strong></a><strong><em>to make your request online!</em></strong><br /> </strong></p>urn:uuid:08c6e52a-5c23-478b-a7d2-ea804a199482Men are from Mars women are from Venus doesn&rsquo;t just apply to general communication it also applies to retirement planning. A recent article on Wallet Pop goes into detail about just how different the process and communication is between men and...Wed, 11 May 2011 20:41:29 -0500Men are from Mars women are from Venus doesn&rsquo;t just apply to general communication it also applies to retirement planning. A recent article on <a href="http://www.walletpop.com/2011/01/13/how-men-and-women-differ-regarding-retirement-planning/" target="_blank">Wallet Pop</a> goes into detail about just how different the process and communication is between men and women as things get closer to planning out their retirement years together. <p>According to Wallet Pop:</p> <p><em>&ldquo;For instance, a recent Country Financial survey showed that while men are more likely to say that communication about retirement budgets gets easier the closer they get to retirement age, women tend to say these discussions get harder.&rdquo;&nbsp;&nbsp;Read more: <a href="http://yourpage.weehours.com/yorblog/2011/01/men-women-differ-retirement-planning/">http://yourpage.weehours.com/yorblog/2011/01/men-women-differ-retirement-planning/</a></em></p>urn:uuid:d155f8e4-4209-427d-a193-13158d0c8c57<img src='http://www.ccisca.com/img/~www.ccisca.com/ccislogo.jpg' align='left' /> If you are interested in joining our team, check out our job openings: Independent Insurance Agent Social Media Intern Employment Application Wed, 11 May 2011 01:06:53 -0500<p style="text-align: center;"><em><strong><img alt="" src="/img/~www.ccisca.com/ccislogo.jpg" /><br /> <br /> <br /> If you are interested in joining our team, check out our job openings:<br /> <br /> <a href="http://www.ccisca.com/category.aspx?id=MISC3">Independent Insurance Agent</a><br /> </strong></em><em><strong><a href="http://www.ccisca.com/category.aspx?id=MISC6"><em><strong>Social Media Intern<br /> </strong></em></a></strong></em></p> <p style="text-align: center;"><em><strong><a href="http://www.ccisca.com/category.aspx?id=MISC15"><em><strong>Employment Application<br /> </strong></em></a><br /> </strong></em></p> <br />urn:uuid:c0b56a5e-6fa8-4ec1-b562-8c24f51ebebdAt some point in your boating career you will probably want to anchor. You may want to stop and fish, swim, have lunch or stay overnight. A second reason to drop anchor may be to control the boat if bad weather is blowing you ashore or if your engine...Tue, 10 May 2011 19:05:18 -0500At some point in your boating career you will probably want to anchor. You may want to stop and fish, swim, have lunch or stay overnight. A second reason to drop anchor may be to control the boat if bad weather is blowing you ashore or if your engine has quit and the wind and current are pushing you into shallow water or other boatsThe first step in anchoring is to select the proper anchor. In spite of claims to the contrary, there is no single anchor design that is best in all conditions. On most pleasure boats, the three anchors you will find most are the fluke or danforth type, the plow and the mushroom anchor.&nbsp; Here are some tips from BoatSafe.com<strong>&nbsp;</strong><br /> <li class="bulletlist">Select an area that offers maximum shelter from wind, current, boat traffic etc. </li> <li class="bulletlist">Pick a spot with swinging room in all directions. Should the wind change, your boat will swing bow to the wind or current, whichever is stronger.</li> <li class="bulletlist">Determine depth and bottom conditions and calculate the amount of rode you will put out.</li> <li class="bulletlist">If other boats are anchored in the area you select, ask the boat adjacent to the spot you select what scope they have out so that you can anchor in such a manner that you will not bump into the neighboring vessel.</li> <li class="bulletlist">Anchor with the same method used by nearby boats. If they are anchored bow and stern, you should too. If they are anchored with a single anchor from the bow, do not anchor bow and stern. Never anchor from the stern alone, this could cause the boat to swamp or capsize.</li> <li class="bulletlist">Rig the anchor and rode. Check shackles to make sure they are secured with wire tied to prevent the screw shaft from opening.</li> <li class="bulletlist">Lay out the amount of rode you will need on deck in such a manner that it will follow the anchor into the water smoothly without tangling. </li> <li class="bulletlist">Cleat off the anchor line at the point you want it to stop. (Don&rsquo;t forget or you&rsquo;ll be diving for your anchor.) </li> <li class="bulletlist">Stop your boat and lower your anchor until it lies on the bottom. This should be done up-wind or up-current from the spot you have selected. Slowly start to motor back, letting out the anchor rode. Backing down slowly will assure that the chain will not foul the anchor and prevent it from digging into the bottom.</li> <li class="bulletlist">When all the anchor line has been let out, back down on the anchor with engine in idle reverse to help set the anchor. (Be careful not to get the anchor line caught in your prop.)</li> <li class="bulletlist">While reversing on a set anchor, keep a hand on the anchor line. A dragging anchor will telegraph itself as it bumps along the bottom. An anchor that is set will not shake the line.</li> <li class="bulletlist">When the anchor is firmly set, look around for reference points in relation to the boat. You can sight over your compass to get the bearing of two different fixed points (house, rock, tower, etc. ) Over the next hour or so, make sure those reference points are in the same place. If not you&rsquo;re probably dragging anchor. </li> <li class="bulletlist">Begin anchor watch. Everyone should check occasionally to make sure you&rsquo;re not drifting.</li> <p class="bulletlist">&nbsp;&nbsp;Read more: <a href="http://www.boatsafe.com/nauticalknowhow/anchorsteps.htm">http://www.boatsafe.com/nauticalknowhow/anchorsteps.htm</a><br /> <br /> <strong><em>It's finally getting warm enough to get out on the river or lake! If you would like CCIS to give you a free </em></strong><a href="http://www.ccisca.com/boat/watercraft_insurance_quote.aspx"><strong><em>Boat Insurance Quote </em></strong></a><strong><em>contact us at (800) 807-6871.&nbsp; </em></strong></p> <p >&nbsp;</p>urn:uuid:85b48b49-ddbf-42b7-ad12-0c8aa7bc1f0aGiven the recent flooding, hurricanes and earthquakes, it appears the number of catastrophic events that inflict mass casualties and severe economic losses has increased &mdash; so much so that Dr. Erwann Michel-Kerjan, managing director of the Whart...Tue, 10 May 2011 16:35:43 -0500<p >Given the recent flooding, hurricanes and earthquakes, it appears the number of catastrophic events that inflict mass casualties and severe economic losses has increased &mdash; so much so that Dr. Erwann Michel-Kerjan, managing director of the Wharton Risk Management and Decision Processes Center in Pennsylvania, says the world has entered into a &ldquo;new era of catastrophes&rdquo; that will redefine the insurance industry.</p> <p>&ldquo;For many years, people had the very reassuring assumption &hellip; about extreme events &hellip; that we&rsquo;ll maybe see a major catastrophe every 20 to 25 years. That was very reassuring in the sense that you really don&rsquo;t have to pay attention to that every day,&rdquo; he said. &ldquo;The conventional wisdom that these extreme events are of low priority [doesn&rsquo;t hold true] in the world where we&rsquo;re more interdependent with each other.&rdquo;</p> <p>As proof, Michel-Kerjan suggests looking at first decade of the 21^st century. There were the Sept. 11, 2001, terrorist attacks, followed by the anthrax crisis, followed by the SARS epidemic, blackouts in New York and on the East Coast in which 50 million people were affected in just a few seconds, the Indian Ocean tsunami in 2004, terrorism attacks in the United Kingdom, Hurricanes William, Rita and Katrina, a major earthquake in 2008 in China that killed nearly 50,000 people only a few weeks after a major cyclone killed more than 100,000 in Myanmar, the financial crisis, earthquakes in Haiti and Chile, the BP oil spill, Japan&rsquo;s earthquake and tsunami and nuclear issue, and now significant tornadoes and flooding across the United States.&nbsp; Read more:&nbsp; <a href="http://www.insurancejournal.com/news/west/2011/05/10/197839.htm">http://www.insurancejournal.com/news/west/2011/05/10/197839.htm</a><br /> <br /> <strong><em><strong><em>Earthquake and flood coverage is not be covered under your&nbsp;<strong><em>Homeowners or Renters insurance </em></strong>policies.&nbsp; If</em></strong>&nbsp;you are thinking about reevaluating your coverage, contact <a href="/contact.aspx">Cliff Cottam Insurance </a>for a free consultation (800) 807-6871.&nbsp; Or, request an online</em></strong><a href="/earthquake/insurance_quote.aspx"><strong><em> earthquake </em></strong></a><strong><em>or&nbsp;</em></strong><a href="/flood/insurance_quote.aspx"><strong><em>flood</em></strong></a><strong><em> insurance quote today!&nbsp; We would be happy to discuss all of your&nbsp; options.</em></strong></p>urn:uuid:6a61faf8-3387-4d6c-9961-3fcd6804ac8c&nbsp; As an owner of a classic 65 Buick Skylark Convertible,&nbsp; I know that&nbsp;many classic car&nbsp;owners do not&nbsp;drive&nbsp;often enough&nbsp;to justify the higher cost of a standard&nbsp;auto insurance policy.&nbsp; Most people keep th...Mon, 09 May 2011 13:54:19 -0500<p>&nbsp;</p> <p style="text-align: center;"><img style="width: 298px; height: 229px;" alt="Cliff &amp; Diana Cottam at Kool April Nights Car Show" src="/img/~www.ccisca.com/Cliff%20and%20Diana%20Cottam%20at%20Kool%20April%20Nights%20Classic%20Car%20Show_001.JPG"></img></p> <p>As an owner of a classic 65 Buick Skylark Convertible,&nbsp; I know that&nbsp;many classic car&nbsp;owners do not&nbsp;drive&nbsp;often enough&nbsp;to justify the higher cost of a standard&nbsp;auto insurance policy.&nbsp; Most people keep their car parked in a garage or stored most of the&nbsp;time - - so liability requirements are minimal.&nbsp; If you would like a free no obligation&nbsp;insurance quote,&nbsp;<a href="/contact.aspx">contact us </a>us&nbsp;at (800) 807-6871.&nbsp; We also have an online&nbsp;instant&nbsp;quote form&nbsp;through American Collectors Insurance on our <a href="/default.aspx">home page</a>.&nbsp;</p>urn:uuid:bf184150-69fe-4538-b90f-816ebdfbf426<img src='http://www.ccisca.com/img/~www.ccisca.com/JP-PARKING-articleInline[1].jpg' align='left' /> SAN FRANCISCO &mdash; It is the urban driver&rsquo;s most agonizing everyday experience: the search for an empty parking place. It is part sleuthing and part blood sport. Circling, narrowly missing a spot, outmaneuvering other motorists to final...Mon, 09 May 2011 12:59:15 -0500<strong> <p style="text-align: center;"><img alt="" width="190" height="127" src="/img/~www.ccisca.com/JP-PARKING-articleInline[1].jpg" /><br /> <br /> <br /> SAN FRANCISCO &mdash; It is the urban driver&rsquo;s most agonizing everyday experience: the search for an empty parking place. </p> <p>It is part sleuthing and part blood sport. Circling, narrowly missing a spot, outmaneuvering other motorists to finally ease into a space only to discover that it is off limits during working hours. </p> <p>In this city, it is also a vexing traffic problem. Drivers cruising for parking spots generate 30 percent of all downtown congestion, city officials estimate. </p> <p>Now San Francisco professes to have found a solution &mdash; a phone app for spot-seekers that displays information about areas with available spaces. </p> <p>The system, introduced last month, relies on wireless sensors embedded in streets and city garages that can tell within seconds if a spot has opened up.<br /> <br /> <a href="http://www.nytimes.com/2011/05/08/technology/08parking.html?_r=1&amp;scp=3&amp;sq=Matt%20Richtel&amp;st=cse">http://www.nytimes.com/2011/05/08/technology/08parking.html?_r=1&amp;scp=3&amp;sq=Matt%20Richtel&amp;st=cse</a></p> </strong>urn:uuid:7f96beff-1226-4b79-a64b-30dc32aa572b PRNewswire/ -- For the seventh year in a row, CEOs rate Texas as the #1 state in which to do business and California as the worst. North Carolina maintained its #2 rank, while Florida rose three positions to the #3 spot. Tennessee fell one slot fro...Fri, 06 May 2011 12:59:44 -0500<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p ><br /> PRNewswire/ -- For the seventh year in a row, CEOs rate Texas as the #1 state in which to do business and California as the worst. <a href="http://topics.sacbee.com/North+Carolina/" class=" lingo_link" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FNorth%2BCarolina%2F">North Carolina</a> maintained its #2 rank, while Florida rose three positions to the #3 spot. Tennessee fell one slot from last year to #4 while Georgia climbed two positions to claim the #5 rank.</p> <p><i>Chief Executive</i> magazine's annual "Best &amp; Worst States" survey takes the pulse of CEOs on business conditions around the nation. For the 2011 survey, 550 CEOs from across the country evaluated the states on a broad range of issues, including regulations, <a href="http://topics.sacbee.com/tax+policies/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Ftax%2Bpolicies%2F">tax policies,</a> workforce quality, education resources, quality of living and infrastructure.</p> <p>"A handful of states have made business-friendly policies a priority," says J.P. Donlon, Editor-in-Chief of <i>Chief Executive</i> magazine and <a href="http://www.chiefexecutive.net/">ChiefExecutive.net</a>. "These forward-thinking states are the exception rather than the rule and include Utah, Arizona, Florida, Tennessee, Louisiana, Texas and Oklahoma." </p> <p>CEOs voted California as the worst state in 2011, with <a href="http://topics.sacbee.com/New+York/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FNew%2BYork%2F">New York,</a> Illinois, <a href="http://topics.sacbee.com/New+Jersey/" class=" lingo_link" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FNew%2BJersey%2F">New Jersey</a> and Michigan rounding out the bottom five.</p> Read more: <a href="http://www.sacbee.com/2011/05/05/3604058/ceos-rank-best-worst-states-for.html#ixzz1Lb0v1RIC" style="color: #003399;">http://www.sacbee.com/2011/05/05/3604058/ceos-rank-best-worst-states-for.html#ixzz1Lb0v1RIC</a><br /> <br /> <strong><em><span style="color: #953734;"><strong>At Cliff Cottam Insurance Services we understand the plight of small businesses.</strong>&nbsp; Let us help you to assess your business&nbsp;insurance needs</span>.&nbsp;&nbsp;</em></strong><a href="http://www.ccisca.com/contact.aspx"><strong><em>Contact us </em></strong></a><strong><em><span style="color: #953734;">for at (800) 807-6871 for a free consultation.&nbsp;&nbsp;Or, just click </span></em></strong><a href="http://www.ccisca.com/business/general_liability_quote.aspx"><strong><em>General&nbsp; Liability Quote </em></strong></a><span style="color: #953734;"><strong><em>to make your request&nbsp;online!</em></strong><br /> <br /> </span><br /> </div>urn:uuid:5eec5230-9774-4383-9a11-a10d17396a89 The California Highway Patrol and other Sacramento-area law enforcement agencies issued nearly 1,600 citations last month for using a hand-held cellphone while driving. The minimum fine for a first offense is $159, said Officer Adrian Quintero, spok...Fri, 06 May 2011 12:49:26 -0500<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>The <a href="http://topics.sacbee.com/California+Highway+Patrol/" class=" lingo_link" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FCalifornia%2BHighway%2BPatrol%2F">California Highway Patrol</a> and other Sacramento-area law enforcement agencies issued nearly 1,600 citations last month for using a hand-held cellphone while driving. The minimum fine for a first offense is $159, said Officer Adrian Quintero, spokesman for the CHP's Valley Division.</p> <p>The final tally for the Sacramento region was:</p> <p>&bull; 1,583 citations issued for using a hand-held cellphone while driving. </p> <p>&bull; 61 citations for texting or reading electronic devices while driving.</p> <p>&bull; 72 citations for other distracted driving violations such as weaving, impeding traffic, and failure to stop for red lights or stop signs.</p> <p>&bull; 331 verbal warnings.</p> <p>April marked California's first monthlong campaign aimed at distracted drivers, Quintero said. Two hundred eighty police and sheriff's departments throughout the state also participated in the campaign.</p> <p>Drivers who use hand-held devices while driving are four times more likely to be involved in a traffic collision. In addition, studies have shown that texting while driving can delay a driver's reaction time to that of a drunken driver, Quintero said.</p> Read more: <a href="http://www.sacbee.com/2011/05/06/3606484/nearly-1600-drivers-in-capital.html#ixzz1Laytss9L" style="color: #003399;">http://www.sacbee.com/2011/05/06/3606484/nearly-1600-drivers-in-capital.html#ixzz1Laytss9L</a><br /> <br /> <span style="color: #953734;"><strong><em>Want to find out if Cliff Cottam Insurance can save you more on your Auto&nbsp;insurance?</em></strong>&nbsp;&nbsp; </span><em><strong><span style="color: #953734;">Simply</span> <a href="http://www.ccisca.com/contact.aspx">Contact Us </a><span style="color: #953734;">at (800) 807- 6871 for a free no obligation quote!&nbsp; Or, use our online </span><a href="http://www.ccisca.com/automobile/quick_insurance_quote.aspx">Auto Quote Form</a>.</strong></em><br /> <br /> <br /> </div>urn:uuid:d2ba7c1d-ee15-442b-87f6-f3fa3b5c9310 Sacramento police will be watching today for motorists who don't stop for pedestrians at crosswalks.&nbsp; The department will conduct its first crosswalk sting of the year at undisclosed times and places in the city, police said. Police said that a...Thu, 05 May 2011 10:39:46 -0500<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>Sacramento police will be watching today for motorists who don't stop for pedestrians at crosswalks.&nbsp; The department will conduct its first crosswalk sting of the year at undisclosed times and places in the city, police said.</p> <p>Police said that an officer will stand at the side of the road, make eye contact with the driver, and then begin to walk across the road at the crosswalk.&nbsp; If the motorist fails to yield, a motorcycle officer will pull the driver over and write a citation.</p> <p>In 2010, 158 vehicle accidents involving pedestrians occurred in Sacramento. Ten of the accidents were fatal, police said.&nbsp; In August, Sacramento police handed out 47 tickets in a crosswalk sting.</p> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>In Sacramento, drivers must yield the right of way to pedestrians at the intersection of roadways &ndash; whether the crosswalk is marked or unmarked &ndash; and at any designated midblock crosswalk.&nbsp; However, pedestrians must exercise due care while in the crosswalk.</p> <p>Pedestrians in the roadway must yield the right of way to drivers at any point other than at an intersection or within a marked crosswalk.&nbsp; </p> <p><strong>Safe Kids USA provides these pedestrian safety tips:</strong></p> <p>&bull; Try to make eye contact with drivers before crossing in front of them. Do not assume that because you can see the driver, the driver can see you. </p> <p>&bull; Look left, right and left again when crossing, and keep looking as you cross. Walk, do not run, across the street. </p> <p>&bull; Walk on sidewalks or paths. If there are no sidewalks, walk facing traffic as far to the left as possible. </p> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;">&bull; Be a safe pedestrian around cars. Watch for cars that are turning or backing up<br /> <br /> Read more: <a href="http://www.sacbee.com/2011/05/05/3603304/sacramento-police-to-conduct-crosswalk.html#ixzz1LUcFEQXO" style="color: #003399;">http://www.sacbee.com/2011/05/05/3603304/sacramento-police-to-conduct-crosswalk.html#ixzz1LUcFEQXO</a></div> <br /> <br /> </div> </div>urn:uuid:35163e12-8f92-427a-a6dc-80c98728a3d3 NADAguides, the leading provider of vehicle pricing and information, names the all-new 2011 Ford Fiesta the NADAguides Car of the Month for May. &nbsp; The 2011 Ford Fiesta was selected as the NADAguides Car of the Month based on the vehicle's qua...Wed, 04 May 2011 12:18:55 -0500<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <li><a href="http://www.nadaguides.com/">NADAguides</a>, the leading provider of vehicle pricing and information, names the all-new 2011 <a href="http://topics.sacbee.com/Ford/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FFord%2F">Ford</a> Fiesta the NADAguides Car of the Month for May. &nbsp; </li> </div> <li>The <a href="http://www.nadaguides.com/Cars/2011/Ford/Fiesta">2011 Ford Fiesta</a> was selected as the NADAguides Car of the Month based on the vehicle's quality of engineering inside and out, driving comfort, <a href="http://topics.sacbee.com/fuel+efficiency/" class=" lingo_link" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Ffuel%2Befficiency%2F">fuel efficiency,</a> overall value, and wealth of features above and beyond what is expected in its class. </li> <li>Increased <a href="http://topics.sacbee.com/consumer+interest/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Fconsumer%2Binterest%2F">consumer interest</a> for the <a href="http://topics.sacbee.com/Ford/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">Ford</a> Fiesta on NADAguides.com also played a role in the vehicle's selection as the Car of the Month. &nbsp;NADAguides' market analysts saw an increase in <a href="http://topics.sacbee.com/consumer+interest/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">consumer interest</a> for the <a href="http://topics.sacbee.com/Ford/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">Ford</a> Fiesta of nearly 55 percent during the first quarter of 2011, as compared to the fourth quarter of 2010, and expect to see that percentage continue to increase over the coming months considering rising gas prices and the Fiesta's ability to reach 40 mpg on the highway. &nbsp; </li> <li>NADAguides analysts agree that the Fiesta's tagline &ndash; "It's a Pretty Big Deal" &ndash; is extremely fitting for this feature loaded, sub-compact vehicle that scored a "<a href="http://topics.sacbee.com/Top+Safety+Pick/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FTop%2BSafety%2BPick%2F">Top Safety Pick</a>" from the <a href="http://topics.sacbee.com/Insurance+Institute+for+Highway+Safety/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FInsurance%2BInstitute%2Bfor%2BHighway%2BSafety%2F">Insurance Institute for Highway Safety</a> (<a href="http://topics.sacbee.com/IIHS/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FIIHS%2F">IIHS</a>). &nbsp; The technology, performance and options of the Fiesta are not typically found in a sub-compact vehicle priced under $20,000, and <br /> <br /> Read more: <a href="http://www.sacbee.com/2011/05/03/3597616/2011-ford-fiesta-is-awarded-nadaguides.html#ixzz1LPA6dF8i" style="color: #003399;">http://www.sacbee.com/2011/05/03/3597616/2011-ford-fiesta-is-awarded-nadaguides.html#ixzz1LPA6dF8i</a> <p><strong><em>Looking for a car?&nbsp; Think of Cliff Cottam Insurance when you make your purchase.&nbsp; We have multiple insurance companies to find you company that will fit your personal situation.&nbsp; Just call us at <span style="color: #953734;">(800) 807-6871</span> or complete our online&nbsp;<a href="/automobile/quick_insurance_quote.aspx">Auto Quote form</a> today!</em></strong></p> <p><strong><br /> <em></em></strong></p> </li>urn:uuid:eecbe8f1-6715-44d3-9df5-824126a30865 Our recent rainy season has produced unprecedented brush growth.&nbsp; Are you prepared?&nbsp; Here's what you need to know to prepare for the threat of wildfires.&nbsp; First, create a defensible s...Wed, 04 May 2011 11:47:40 -0500<table width="100%" style="width: 100%; word-wrap: break-word;" border="0" cellspacing="0" cellpadding="0"> <tbody> <tr> <td style="padding-bottom: 0in; padding-left: 0in; padding-right: 0in; padding-top: 0in;"> <p>Our recent rainy season has produced unprecedented brush growth.&nbsp; Are you prepared?&nbsp; Here's what you need to know to prepare for the threat of wildfires.&nbsp;</p> <p>First, <span style="text-decoration: underline;">create a defensible space around your property</span>. This defensible space reduces the risk that fire will spread from the surroundings to the structure.&nbsp; Firefighters sometimes do not attempt protecting structures without adequate defensible space, for safety of their teams and their effort is less likely to succeed.&nbsp; <span style="text-decoration: underline;">30 feet clearance around the home is required by law</span>.&nbsp; An additional 70 feet is considered a Reduced Fuel Zone and may apply depending on the steepness of your property and the surrounding vegetation.&nbsp;</p> <p>&nbsp;To create a defensible space,</p> <p>1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Remove all buildup of needles and leaves from roof and gutters.</p> <p>2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Keep tree limbs cut back 10 feet from chimneys and remove dry limbs overhanging the home and garage.</p> <p>3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; A screen over your chimney outlet of not more than &frac12; inch mesh is required by law.<br /> <br /> Consult the Cal Fire web site for more details <a href="http://click.icptrack.com/icp/relay.php?r=8511801&amp;msgid=101826&amp;act=61IT&amp;c=808017&amp;destination=http%3A%2F%2Fwww.fire.ca.gov%2F" title="http://click.icptrack.com/icp/relay.php?r=8511801&amp;msgid=101826&amp;act=61IT&amp;c=808017&amp;destination=http%3A%2F%2Fwww.fire.ca.gov%2F" style="color: #0000ff !important;">www.fire.ca.gov</a>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br /> <br /> Second, in case of a fire it's helpful to have a <span style="text-decoration: underline;">household inventory</span>.&nbsp; Use a digital camera to photograph rooms and contents then take a few minutes to catalogue your possessions and note their values.&nbsp; If you choose to use a video camera, comment as you go with as many details describing the item(s).&nbsp; Store your inventory in different places.&nbsp;</p> <p>&nbsp;A free Home Inventory Guide is available at <a href="http://click.icptrack.com/icp/relay.php?r=8511801&amp;msgid=101826&amp;act=61IT&amp;c=808017&amp;destination=http%3A%2F%2Fwww.insurance.ca.gov%2F" title="http://click.icptrack.com/icp/relay.php?r=8511801&amp;msgid=101826&amp;act=61IT&amp;c=808017&amp;destination=http%3A%2F%2Fwww.insurance.ca.gov%2F" style="color: #0000ff !important;">www.insurance.ca.gov</a></p> <p><em>Now is a good time to review your homeowners' insurance policy with us to assure that you have sufficient coverage for your home and personal contents.&nbsp; <a href="/contact.aspx"><span style="font-size: 16px;">Cliff Cottam Insurance</span> </a>is ready to assist you and answer&nbsp;any questions you may have.&nbsp; Call us at&nbsp;<strong>(800) 807-6871</strong> today!</em></p> </td> </tr> </tbody> </table>urn:uuid:471fc2bf-876a-499f-ada5-0b56c830c23fA California Assembly committee is considering a bill that would eliminate the authority of the insurer to deduct the amount paid to the insured by or for any person or organization that may be held legally liable for the injury from its maximum liab...Mon, 02 May 2011 23:25:20 -0500<p>A California Assembly committee is considering a bill that would eliminate the authority of the insurer to deduct the amount paid to the insured by or for any person or organization that may be held legally liable for the injury from its maximum liability.</p> <p>According to the bill text, existing law prohibits a policy of bodily injury liability insurance covering liability arising out of the ownership, maintenance, or use of any motor vehicle from being issued or delivered in this state to the owner or operator of a motor vehicle &mdash; unless the policy contains a provision with specified coverage limits insuring the insured, the insured&rsquo;s heirs, or legal representative for all sums within the limits that he is legally entitled to recover as damages for bodily injury or wrongful death from the owner or operator of an uninsured motor vehicle.</p> <p>The law also prohibits the maximum liability of an insurer providing underinsured motorist coverage for bodily injury to the insured caused by one or more vehicles from exceeding the insured&rsquo;s underinsured motorist coverage limits, minus the amount paid to the insured by or for any person or organization that may be held legally liable for the injury.</p> <p><a href="http://www.leginfo.ca.gov/pub/11-12/bill/asm/ab_1051-1100/ab_1063_bill_20110218_introduced.html">AB 1063</a> would eliminate the authority of the insurer to deduct the amount paid to the insured by or for any person or organization that may be held legally liable for the injury from its maximum liability in those circumstances.&nbsp; <a href="http://www.insurancejournal.com/news/west/2011/05/02/196991.htm">http://www.insurancejournal.com/news/west/2011/05/02/196991.htm</a></p>urn:uuid:5b9f8d63-296f-4526-ada5-05570e87f5e0 Here are some great tips to ask when buying auto insurance written by Louise Witt.&nbsp; As an independent agent, we are here to answer these questions and guide you to find the best insurance plan for your personal situation.&nbsp; Think 15 minut...Mon, 02 May 2011 16:59:27 -0500<div class="entry-content KonaBody" sizset="6" sizcache="21"> <p class="author vcard"><strong><em>Here are some great tips to ask when buying auto insurance written by Louise Witt.&nbsp; As an independent agent, we are here to answer these questions and guide you to find the best insurance plan for your personal situation.</em></strong>&nbsp; <br /> <br /> Think 15 minutes can save you money on auto insurance? Think again.</p> <p style="font-size: 14px;" jQuery1304362211595="120" sizset="6" sizcache="21">When it comes to shopping around for car insurance quotes, you can fool yourself into thinking the lowest price is the best value. But buying the wrong type of coverage can cost you more in the end.</p> <p style="font-size: 14px;" jQuery1304362211595="121">You may not buy enough coverage to protect your assets. You may go with a bargain-rate company that has poor customer service. Or you may not shop around because you assume that your current insurer offers the best prices.</p> <p style="font-size: 14px;" jQuery1304362211595="122">"Invest time to make sure you're getting the best deal," says Jeremy Bowler, senior director of the insurance practice at J.D. Power and Associates. "It's a buyer's market out there, but it's an unpleasant way to spend a lunch hour."</p> <p style="font-size: 14px;" jQuery1304362211595="123" sizset="7" sizcache="21">Here are the five biggest mistakes people often make when buying car insurance.</p> <h3 jQuery1304362211595="147"><strong>Failing to Shop Around for Car Insurance Quotes</strong></h3> <p style="font-size: 14px;" jQuery1304362211595="124">You should review your auto policy every year. Most drivers, however, simply renew their policy without questions, failing to take the time to compare other insurers.</p> <p style="font-size: 14px;" jQuery1304362211595="125" sizset="8" sizcache="21">Only about one-third of all policyholders obtained an auto insurance quote in the past 12 months, according to a recent J.D. Power and Associates survey. Almost 70 percent automatically renewed their policy.</p> <p style="font-size: 14px;" jQuery1304362211595="126">"We see a lot of people letting it ride, instead of making sure they are still getting the best deal," Bowler says.</p> <p style="font-size: 14px;" jQuery1304362211595="127">To make sure you still have proper coverage at the best price, Bowler recommends you obtain at least three or four quotes when your policy is up for renewal.</p> <h3 jQuery1304362211595="148"><strong>Buying the Minimum</strong></h3> <p style="font-size: 14px;" jQuery1304362211595="128">Many car owners buy the minimum liability coverage required by law and assume that they have adequate coverage. Unfortunately, in some situations, that's not enough.</p> <p style="font-size: 14px;" jQuery1304362211595="129" sizset="9" sizcache="21">Christie Hyde, spokesperson for the American <a href="#" class="kLink" id="KonaLink1" style="position: static; text-decoration: underline !important;" jQuery1304362214045="4">Automobile</a> Association, recommends that you develop a good understanding of your assets and your financial risk in the event you became involved in a serious accident. If you have assets to protect, you should make sure your liability limits reflect what you've got to lose.</p> <p style="font-size: 14px;" jQuery1304362211595="130" sizset="10" sizcache="21">"If you hit a high-end vehicle, the minimum coverage will not cover the cost of a new one," Hyde says. "And I'm not talking about a <a href="http://www.foxbusiness.com/topics/business/automotive/rolls-royce.htm" class="r_lapi">Rolls Royce</a>."</p> <p style="font-size: 14px;" jQuery1304362211595="131">Stephanie Sheppard, spokesperson for Allstate Insurance, says many consumers believe that they can save money by increasing their deductibles. While that is true, it becomes a problem if you can't afford to pay your deductible after an accident.</p> <p style="font-size: 14px;" jQuery1304362211595="132">Sheppard adds that many policyholders also drop collision and comprehensive coverage for older vehicles. But if you can't afford to pay for costly repairs or buy a new car, it may be more prudent to buy the coverage.</p> <p style="font-size: 14px;" jQuery1304362211595="133">"In an effort to save money, consumers may cut corners in areas that help protect them and their families and cut put them at risk financially," Sheppard says.</p> <h3 jQuery1304362211595="149"><strong>Ignoring Reputation</strong></h3> <p style="font-size: 14px;" jQuery1304362211595="134" sizset="11" sizcache="21">When you're shopping around for the best car insurance rates,it's important to make sure you don't sacrifice customer service.</p> <p style="font-size: 14px;" jQuery1304362211595="135">While you may pay a lower premium, the insurer could give you unreasonably low damage estimates or force you to pay more for manufacturer replacement parts. Before you buy a policy, investigate the insurance company's reputation and the details of your policy.</p> <p style="font-size: 14px;" jQuery1304362211595="136" sizset="12" sizcache="21">The National Association of Insurance Commissioners' website provides information on <a href="https://eapps.naic.org/cis/?WT.qs_osrc=fxb">insurer complaint ratios</a>.</p> <h3 jQuery1304362211595="150"><strong>Not Understanding What You're Buying</strong></h3> <p style="font-size: 14px;" jQuery1304362211595="137" sizset="13" sizcache="21">Insurance companies have a reputation for offering products that their customers can't understand. A recent survey by Siegel + Gale, a New York-based branding firm, found that <a href="http://www.insure.com/car-insurance/insurance-is-complicated.html?WT.qs_osrc=fxb">insurance companies are at the bottom of its Brand Simplicity Index</a>. In other words: We can't figure out what we just bought.</p> <p style="font-size: 14px;" jQuery1304362211595="138" sizset="14" sizcache="21">Don't wait until an <a href="#" class="kLink" id="KonaLink2" style="position: static; text-decoration: underline !important;" jQuery1304362214045="3">insurance adjuster</a> has to explain your policy to you after a crash. That only leads to rude surprises. Go over your policy terms and exclusions with your agent.</p> <h3 jQuery1304362211595="151"><strong>Lying to Your Car Insurance Company</strong></h3> <p style="font-size: 14px;" jQuery1304362211595="139">Make sure you provide your insurance company with accurate information.</p> <p style="font-size: 14px;" jQuery1304362211595="140" sizset="15" sizcache="21">Drivers often lie about who drives their car, what the car is used for and where it's parked at night. (Read the <a href="http://www.insure.com/car-insurance/biggest-car-insurance-lies.html?WT.qs_osrc=fxb">5 biggest lies told to car insurance companies</a>.)</p> <p style="font-size: 14px;" jQuery1304362211595="141">You may think that fudging the facts in order to get a better rate is OK, but it could put your coverage in jeopardy if your misrepresentations come to light.</p> <p style="font-size: 14px;" jQuery1304362211595="142">"Quick savings may come back to bite you," Bowler warns.</p> <p style="font-size: 14px;" jQuery1304362211595="143" sizset="16" sizcache="21">The original article can be found at <a href="#" class="kLink" id="KonaLink3" style="position: static; text-decoration: underline !important;" jQuery1304362214045="2">Insure</a>.com:<br /> <br /> <br /> <strong><em>Let Cliff Cottam Insurance&nbsp;help you with all your insurance needs.&nbsp; Simply <a href="http://www.ccisca.com/contact.aspx">contact us </a>at (800) 807- 6871&nbsp;for a free&nbsp;consultation today! </em></strong></p> </div>urn:uuid:b6c5628d-aef7-4282-a5ec-9e8edc8d3d37<img src='http://www.ccisca.com/img/~www.ccisca.com/cruisers-yachts-520-sports-coupe-sport-boat-2008%5B1%5D.jpg' align='left' /> The two chief aspects of boat insurance are legal responsibility, or security and insurance; and property loss. The liability section covers the owner against claims by a third party if any damage is caused to that person or his property by the in...Sun, 01 May 2011 16:33:07 -0500<div style="overflow: hidden;"><br /> </div> <p style="text-align: center; overflow: hidden;"><img alt="" src="/img/~www.ccisca.com/cruisers-yachts-520-sports-coupe-sport-boat-2008%5B1%5D.jpg" /></p> <div style="overflow: hidden;">The two chief aspects of boat insurance are legal responsibility, or security and insurance; and property loss. The liability section covers the owner against claims by a third party if any damage is caused to that person or his property by the insured vessel. It is just as important to find a boat insurance agent that looks after his clients by finding the best policies and obtaining the best settlements should they need them. Equally important when searching for a boat insurance policy is to have one with good legal backup should it be necessary as a liability claim that is covered under the boat insurance policy be brought against you.<br /> <br /> Article Source: http://EzineArticles.com/1391408<br /> <br /> <strong><em><span style="color: #953734;">It's finally getting warm enough to get out on the river or lake!&nbsp;&nbsp;If you would like CCIS to give you a free <a href="/boat/watercraft_insurance_quote.aspx">Boat Insurance Quote </a>contact us at (800) 807-6871.&nbsp; </span></em></strong></div>urn:uuid:a1b045ef-6b5a-4c33-ab52-4ae854e14336 It's the kind of sticker shock that makes any parent wince: car insurance for your teenage driver. For families with teens behind the wheel, you know what we're talking about: high-octane jumps in insurance premiums, especially if your 16-to-19-year...Sun, 01 May 2011 11:15:29 -0500<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;">It's the kind of <a href="http://topics.sacbee.com/sticker+shock/" class=" lingo_link" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">sticker shock</a> that makes any parent wince: <a href="http://topics.sacbee.com/car+insurance/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">car insurance</a> for your teenage driver.</p> <p style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;">For families with teens behind the wheel, you know what we're talking about: high-octane jumps in <a href="http://topics.sacbee.com/insurance+premiums/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">insurance premiums,</a> especially if your 16-to-19-year-old is a boy.</p> <p style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;">"Teens are statistically the most dangerous drivers on the road compared to other age groups," said <a href="http://topics.sacbee.com/Tully+Lehman/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">Tully Lehman,</a> spokesman for the Insurance Information Network of <a href="http://topics.sacbee.com/California/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">California.</a> </p> <p style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;">Unfortunately, that added risk &ndash; accidents, speeding tickets, crashes &ndash; revs insurance costs into overdrive.</p> <p style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"><strong>How much?</strong></p> <p style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;">"Adding a student to a parent's insurance policy roughly doubles the premium," Lehman said.</p> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>Because <a href="http://topics.sacbee.com/California/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">California</a> insurance rates are primarily based on three factors &ndash; years of driving, accident history and annual miles driven &ndash; any new driver is considered riskier.</p> </div> <p style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;">For at least the first three years with a young driver, it simply <i>will </i>cost more to insure him or her. But there are ways to make sure you're paying the least amount.</p> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p><strong>How to Save?<br /> <br /> </strong>First, shop around. Not all insurers charge the same rates for teens, depending on the frequency and severity of loss claims in a given area or ZIP code. </p> </div> <p>That's why comparing premiums from four or five companies will yield a wide range of rates.<br /> Read more: <a href="http://www.sacbee.com/2011/05/01/3590753/claudia-buck-you-can-save-on-teen.html#ixzz1L7HAZVfr" style="color: #003399;">http://www.sacbee.com/2011/05/01/3590753/claudia-buck-you-can-save-on-teen.html#ixzz1L7HAZVfr</a></p> </div> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"><strong><em><span style="color: #953734;">As an Independent Agency, we can shop all of the insurance markets to find you the lowest premiums with the best coverage.&nbsp;&nbsp;Not only will you get the best rate, but you&nbsp;will know exactly what&nbsp;coverage you have.&nbsp;&nbsp;Why not let us do all the work for you?&nbsp; <br /> <br /> <span style="color: #000000;">Note:</span> If you currently have a Mercury Auto Insurance Policy with CCIS&nbsp;- - and have a teen who just obtained their Learners Permit, let us know right away.&nbsp; They are covered under your policy at no extra charge, providing that you notify&nbsp;us.&nbsp;<br /> </span><span style="color: #000000; font-size: 16px;"><span style="font-size: 13px;">(800) -807-6871<br /> </span> <div></div> </span></em></strong></div> </div>urn:uuid:293068f5-665d-481d-85d3-5f388565eb11 PLEASANT GROVE, Ala. (AP) -- Dozens of tornadoes ripped through the South, flattening homes and businesses and killing at least 214 people in six states in the deadliest outbreak in nearly 40 years. As day broke Thursday, people in hard-hit Alabama...Fri, 29 Apr 2011 17:38:06 -0500<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"><br /> PLEASANT GROVE, Ala. (AP) -- Dozens of tornadoes <a href="http://www.sacbee.com/2011/04/28/3586044/dozens-of-tornadoes-kill-209-in.html">ripped through the South</a>, flattening homes and businesses and killing at least 214 people in six states in the deadliest outbreak in nearly 40 years. As day broke Thursday, people in hard-hit Alabama surveyed flattened, debris-strewn neighborhoods and told of pulling bodies from rubble after the storms passed Wednesday afternoon and evening. <br /> <br /> "It happened so fast it was unbelievable," said Jerry Stewart, a 63-year-old retired firefighter who was picking through the remains of his son's wrecked home in Pleasant Grove, a suburb of Birmingham. "They said the storm was in Tuscaloosa and it would be here in 15 minutes. And before I knew it, it was here." <br /> He and his wife, along with their daughter and two grandchildren, survived by hiding under their front porch. Friends down the street who did the same weren't so lucky -- Stewart said he pulled out the bodies of two neighbors whose home was ripped off its foundation<br /> <br /> View a photo gallery at: <a href="http://blogs.sacbee.com/photos/2011/04/tornadoes-devastate-south-kill.html#more">http://blogs.sacbee.com/photos/2011/04/tornadoes-devastate-south-kill.html#more</a><br /> <br /> <strong><em>If&nbsp;you have any questions regarding your current insurance policies or would like to make sure you are covered&nbsp;in the event of a flood or earthquake,&nbsp;</em></strong><a href="/contact.aspx"><strong><em>contact us&nbsp;</em></strong></a>&nbsp;<em><strong>to go over your policy.&nbsp; Or simply give us a call us at (800) 807-6871.</strong></em><br /> </div> </div>urn:uuid:7e370dfe-9a44-457f-8eb0-af3445085fd3 We all are experiencing the impact of gas prices.&nbsp;&nbsp;It is anyones guess when it will&nbsp;return to reasonable&nbsp;prices again.&nbsp; While we are going through this price hike, you may want to&nbsp;take a moment to re-evaluate your auto&...Fri, 29 Apr 2011 17:02:38 -0500<strong><em><span style="color: #953734;"><br /> We all are experiencing the impact of gas prices.&nbsp;&nbsp;It is anyones guess when it will&nbsp;return to reasonable&nbsp;prices again.&nbsp; While we are going through this price hike, you may want to&nbsp;take a moment to re-evaluate your auto&nbsp;insurance policies.&nbsp;&nbsp;<a href="/contact.aspx">Call us </a>to go over your policy and&nbsp;look for extra discounts&nbsp;or&nbsp;to make changes to&nbsp;your deducibles.&nbsp; (800) 807-6871.<br /> &nbsp;&nbsp;</span></em></strong><br /> As gasoline prices reach $4 a gallon throughout the nation, pain at the pump seems to have at least one silver lining for drivers and insurers. <p>The rising cost of gas also drives a decline in all traffic accidents, including drunk-driving crashes, according to a new study by Mississippi State&rsquo;s Social Science Research Center.</p> <p>Researcher Guangqing Chi, an assistant professor of sociology at the university, published his findings in the Journal of Safety Research and Accident Analysis and Prevention</p> <p>Chi examined a range of factors related to driving-related accidents in the state, including age, gender and race. The study analyzed total traffic crashes between April 2004 and December 2008, comparing gas prices to traffic safety statistics.</p> <p>&ldquo;The results suggest that prices have both short-term and intermediate-term effects on reducing traffic crashes,&rdquo; he reports in the journal article.</p> <p>Among other points, the research also shows gas prices having a short-term impact on crashes involving younger drivers and intermediate-term impact related to older drivers and men.&nbsp; <br /> Read more: <a href="http://www.insurancejournal.com/news/national/2011/04/28/196534.htm">http://www.insurancejournal.com/news/national/2011/04/28/196534.htm</a></p>urn:uuid:637b6b3c-2085-458c-ab2d-2dda088f8840<img src='http://www.ccisca.com/img/~www.ccisca.com/elp_badge_home_auto_lg.jpg' align='left' />Looking for a practical, meaningful gift for graduating seniors&mdash;one that would have saved you a lot of headaches when you were young? Rachel Cruze Presents: The Graduate's Survival Guide is hot off the press. The Graduate's Survival Guide offe...Thu, 28 Apr 2011 10:24:33 -0500Looking for a practical, meaningful gift for graduating seniors&mdash;one that would have saved you a lot of headaches when you were young? <a href="http://www.daveramsey.com/store/prodgsg.html?ectid=1004fpucoordupdate_3" title="http://www.daveramsey.com/store/prodgsg.html?ectid=1004fpucoordupdate_3"><em title="http://www.daveramsey.com/store/prodgsg.html?ectid=1004fpucoordupdate_3"><i title="http://www.daveramsey.com/store/prodgsg.html?ectid=1004fpucoordupdate_3">Rachel Cruze Presents: The Graduate's Survival Guide</i></em></a> is hot off the press.<br /> <br /> The Graduate's Survival Guide offers advice and tools to help incoming freshmen navigate through that tough first year of college. With all of the good things college brings, it creates a new set of temptations and pressures too. This book and DVD set nudges students in the right direction, covering important issues like handling money, avoiding credit card traps and landing the right part-time job. The book is fun and easy to read in Q&amp;A form, and the DVD features Dave's daughter <a href="http://www.daveramsey.com/speakers/Rachel-Cruze/?ectid=1004fpucoordupdate_4" title="http://www.daveramsey.com/speakers/Rachel-Cruze/?ectid=1004fpucoordupdate_4">Rachel Cruze</a>, <a href="http://www.daveramsey.com/speakers/Christy-Brown/?ectid=1004fpucoordupdate_5" title="http://www.daveramsey.com/speakers/Christy-Brown/?ectid=1004fpucoordupdate_5">Christy Brown</a> and <a href="http://www.daveramsey.com/speakers/Jon-Acuff/?ectid=1004fpucoordupdate_6" title="http://www.daveramsey.com/speakers/Jon-Acuff/?ectid=1004fpucoordupdate_6">Jon Acuff</a> as they share some personal stories about college life, class scheduling, finances, dorm vs. apartment living and more.<br /> <br /> <br /> <span style="color: #953734;"><strong><em>Cliff Cottam Insurance Services&nbsp;is financial guru, Dave Ramsey's, 'Endorsed Local Provider' for insurance products.&nbsp; We have learned valuable&nbsp;financial lessons from following his sound advice.&nbsp; </em></strong></span><br /> <br /> <p style="text-align: center;"><img alt="" style="width: 170px; height: 95px;" src="/img/~www.ccisca.com/elp_badge_home_auto_lg.jpg" /></p>urn:uuid:1f58c5cd-7eb5-4321-8991-b8b53157b486The Chevrolet Volt and Nissan Leaf got top safety ratings in some of the first-ever tests of electric cars by an insurer-funded research group. Both cars earned top scores for front, side and rear-impact crashes and for rollover crash protection, acc...Thu, 28 Apr 2011 10:07:25 -0500<p>The Chevrolet Volt and Nissan Leaf got top safety ratings in some of the first-ever tests of electric cars by an insurer-funded research group.</p> <p>Both cars earned top scores for front, side and rear-impact crashes and for rollover crash protection, according to results from the Insurance Institute for Highway Safety.</p> <p>While both the Leaf and Volt are classified as small cars, the institute said their heavy battery packs put their weight closer to large sedans. The Volt, for example, weighs 3,760 pounds, which is close to the weight of the Chevrolet Impala. The Leaf weighs 3,370 pounds, which is similar to a Nissan Altima midsize car. That extra mass helps protect their occupants, since heavier cars are less likely to be pushed around in a crash.</p> <p>The Leaf runs solely on battery power and has a range of around 100 miles. The Volt can go around 40 miles on an electric charge before a small gas engine kicks in.&nbsp; Read more:&nbsp; <a href="http://www.insurancejournal.com/news/national/2011/04/27/196399.htm">http://www.insurancejournal.com/news/national/2011/04/27/196399.htm</a><br /> <br /> <strong><em><span style="color: #953734;">If you are car shopping and would like a fast,&nbsp;free auto quote,</span> </em></strong><a href="/contact.aspx"><strong><em>contact us<span style="color: #953734;"> </span></em></strong></a><strong><em><span style="color: #953734;">at (800) 807-6871.&nbsp; Also, ask about our Mechanical Breakdown Coverage.&nbsp; We have some of the best&nbsp;rates and can beat what the auto dealers will offer you.</span>&nbsp;&nbsp;</em></strong><a href="/automobile/quick_insurance_quote.aspx"><strong><em>Request a auto&nbsp;quote online</em></strong></a><strong><em>.&nbsp;&nbsp;<br /> </em></strong></p>urn:uuid:2c888319-73b8-4755-8ef9-213be85bd06c Not everyone agrees that there is global warming.&nbsp; But, we do know that the snow will melt&nbsp; - - and soon.&nbsp;&nbsp; WASHINGTON &ndash; Global warming in California's Central Valley could increase flooding, shrink salmon habitat and inv...Tue, 26 Apr 2011 18:20:29 -0500<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p ><span style="color: #953734;"><strong><em>Not everyone agrees that there is global warming.&nbsp; But, we do know that the snow will melt&nbsp; - - and soon.&nbsp;&nbsp;<br /> <br /> </em></strong></span>WASHINGTON &ndash; Global warming in California's <a href="http://get.lingospot.com/link/?@li2=5406&amp;is_lhid=0&amp;key=ATPUCNWCXV&amp;portal_key=3_Sacbee&amp;ps_id=Ua6pq9e3Q0&amp;q=QQ:lqOTqjptCQPHSSB[GS:ORJJOUHOPSUVOqptJ:pnCBOqmj_J:pnCPO4aJm8CHSURA:GSSBKVV&amp;section_key=&amp;site_id=&amp;url=http%3A%2F%2Ftopics.sacbee.com%2FCentral%2BValley%2F&amp;url_key=_TaCSO0CADAD:PIGBK&amp;v=1&amp;~boot=1303859150687" class=" lingo_link" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FCentral%2BValley%2F">Central Valley</a> could increase flooding, shrink salmon habitat and invite more invasive species, scientists conclude in a sobering report released Monday. </p> <p>Snow will melt sooner in the <a href="http://topics.sacbee.com/Sierra+Nevada/" class=" lingo_link" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FSierra%2BNevada%2F">Sierra Nevada,</a> the report predicts. Rain will replace snow altogether in some places. Fisheries will stress out. <a href="http://topics.sacbee.com/Surface+water/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FSurface%2Bwater%2F">Surface water</a> will be harder to come by, and groundwater will be drained, as average <a href="http://topics.sacbee.com/temperatures+rise/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Ftemperatures%2Brise%2F">temperatures rise.</a> </p> <p>"These changes pose a significant challenge and risk to adequate <a href="http://topics.sacbee.com/water+supplies/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Fwater%2Bsupplies%2F">water supplies,</a>" Mike Connor, head of the <a href="http://topics.sacbee.com/U.S.+Bureau+of+Reclamation/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FU.S.%2BBureau%2Bof%2BReclamation%2F">U.S. Bureau of Reclamation,</a> declared Monday. </p> <p>Connor said the predicted hydrologic changes "reaffirm the urgency of planning" for California's water future. "You can see the trend that it's harder to assure water supply reliability south of the Delta," he said.</p> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>The congressionally ordered study of global warming and Western <a href="http://topics.sacbee.com/water+resources/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Fwater%2Bresources%2F">water resources</a> is being called the first of its kind by Interior Department officials because it examines eight Western water basins, including the Central Valley and those served by the Colorado, Missouri and Columbia rivers, among others. </p> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>The study anticipates average temperatures rising between 5 and 6 degrees Fahrenheit through the 21st century. The federal scientists do not, however, wade into the political thicket of assessing blame for why the Earth is warming.</p> <p>Some consequences are easier to predict than others, including "more frequent rainfall events (and) less frequent snowfall events." Even within regions, though, the changes will vary. Rainfall, for instance, is expected to increase slightly in the northern part of the Central Valley. In the Valley's southern part, it's expected to decrease slightly. </p> <p>Similarly, the region's future snowpack will shrink more in some places than in others. Snow will melt readily in the northern Sierra Nevada and in the lower to middle elevations of the southern Sierra range, where winter temperatures already hover on the edge of freezing. </p> <p>"However, even in the highest elevations of the southern Sierra Nevada, (snowpack) losses are projected to be significant by the late 21st century," the report states. </p> <p>While avoiding firm predictions about future California flooding, scientists say their studies "raise questions &hellip; (about) potentially greater <a href="http://topics.sacbee.com/flood+risk/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Fflood%2Brisk%2F">flood risk</a> during the 21st century." These dangers include "more winter runoff" and "more extreme runoff events," the report says. </p> Read more: <a href="http://www.sacbee.com/2011/04/26/3578242/us-study-says-rising-temperatures.html#ixzz1KfpVRCcL" style="color: #003399;">http://www.sacbee.com/2011/04/26/3578242/us-study-says-rising-temperatures.html#ixzz1KfpVRCcL</a><br /> <br /> </div> </div> <p><strong><em><span style="color: #953734;">Many people don't realize that their&nbsp;Homeowners Policy does not cover floods; and, that p</span></em></strong><strong><em><span style="color: #953734;">olicies&nbsp;take 30 days to become effective.&nbsp;&nbsp;If you are interested in finding out how much Flood Insurance would cost, give us a call us at <span style="color: #000000;">(800)&nbsp;807-6871</span>.&nbsp; Or, complete our online</span>&nbsp;</em></strong><a href="/flood/insurance_quote.aspx"><strong><em>Flood Quote <strong><em>form.</em></strong></em></strong><br /> </a></p> <br /> </div> </div>urn:uuid:ad038855-6bef-45f8-be1a-23e08719deba<img src='http://www.ccisca.com/img/~www.ccisca.com/ss_100428270%5B1%5D.jpg' align='left' />Made from a kit, this do-it-yourself gazebo features a distinctive double cupola. Furnished with comfortable, cushioned, all-weather wicker furniture, this open-sided structure is the perfect place to read a novel or chat with friends. The exterior i...Tue, 26 Apr 2011 17:42:10 -0500<p>Made from a kit, this do-it-yourself gazebo features a distinctive double cupola. Furnished with comfortable, cushioned, all-weather wicker <a href="http://www.bhg.com/topics/home-improvement/decor/furniture/furniture.htm">furniture</a>, this open-sided structure is the perfect place to read a novel or chat with friends. The exterior is finished with a semitransparent <a href="http://www.bhg.com/topics/arts-and-crafts/latex.htm">latex</a> stain. <a href="http://www.bhg.com/topics/lawn-and-garden/flowers/perennial.htm">Perennial</a> beds surround the structure, adding to the romance of the setting.&nbsp;</p> <p>Drag and drop deck structures and accessories to design an outoor space that's all your own! <a href="http://www.bhg.com/gardening/design-deck/welcome-to-arrange-a-deck/?psrc=R1104BSS7884R233AD"><strong>Start Designing with Arrange-a-Deck Now!</strong></a> <br class="clearall" /> <br /> <br /> </p> <p style="text-align: center;"><img alt="" src="/img/~www.ccisca.com/ss_100428270%5B1%5D.jpg" /></p> <p style="text-align: left;">To view more home improvement tips and videos visit:&nbsp; <a href="http://www.bhg.com/home-improvement/porch/outdoor-rooms/gazebo-ideas/">http://www.bhg.com/home-improvement/porch/outdoor-rooms/gazebo-ideas/</a><br /> <br /> <strong><em><span style="color: #953734;"><strong><em>A gazebo creates a backyard destination where you can kick back and relax in style</em></strong>.&nbsp;&nbsp;Just keep in mind that renovations or home improvements may change your home's value.&nbsp;&nbsp;Make sure that your home is&nbsp;protected.&nbsp; If you would like to change your policy to reflect upgrades, give us call at <span style="color: #000000;">(800) 807-6871</span>.&nbsp; Or, complete our online&nbsp;<a href="/contact.aspx">Contact Us </a></span><span style="color: #953734;">form.</span></em></strong><strong><em><span style="color: #953734;"> </span></em></strong></p>urn:uuid:413e6088-038b-402d-8b55-bb8a218fb914 Local gas prices leveled off last week, a development predicted by energy analysts who felt the overheated crude oil market was cooling down. Last week, the average retail price of gasoline in Sacramento rose just 0.6 cents a gallon, according to to...Mon, 25 Apr 2011 18:48:33 -0500<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>Local <a href="http://topics.sacbee.com/Gas+prices/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FGas%2Bprices%2F">gas prices</a> leveled off last week, a development predicted by energy analysts who felt the overheated crude oil market was cooling down.</p> <p>Last week, the average retail price of gasoline in Sacramento rose just 0.6 cents a gallon, according to today's weekly report by SactoGasPrices.com, a GasBuddy.com website.</p> <p>Essentially, the local average price rounded off to $4.15 a gallon last week and the week before. </p> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>Nationally, the average price increased 2.8 cents per gallon to $3.83 last week.</p> <p>Prices in Sacramento are $1.10 higher than they were a year ago, and they're up 20 cents from last month. The national average has increased 28.1 cents per gallon during the past month and is 97.9 cents higher than it was one year ago.</p> <p>The good news about the cooling down of crude oil speculation was accompanied by another red flag - national gasoline supplies have decreased, producing a supply shortage in some areas and a corresonding spike in <a href="http://topics.sacbee.com/Gas+prices/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">gas prices</a> in the Midwest.</p> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>Analysts warned that continued low supplies of gasoline could produce yet more at-the-pump <a href="http://topics.sacbee.com/price+increases/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Fprice%2Bincreases%2F">price increases</a> throughout the nation in the weeks ahead.</p> <p>See more details in Tuesday's edition of The Sacramento Bee.&nbsp;<a href="http://www.sacbee.com/2011/04/25/3577402/gas-prices-level-off-but-supply.html#ixzz1Ka88kEuU" style="color: #003399;">http://www.sacbee.com/2011/04/25/3577402/gas-prices-level-off-but-supply.html#ixzz1Ka88kEuU</a></p> </div> </div> </div>urn:uuid:7c84647a-9a4d-4b91-b4e1-a99c02554aea Many of us can think of a time when we were in a meeting and observed people who fit these characteristics.&nbsp; We found this article that summarizes their behavior.&nbsp; In the Star Wars movie's famous bar scene you knew, by their appearance, ...Mon, 25 Apr 2011 18:38:51 -0500<p><strong><em><span style="color: #953734;"><br /> Many of us can think of a time when we were in a meeting and observed people who fit these characteristics.&nbsp; We found this article that summarizes their behavior.</span></em>&nbsp; <br /> </strong><br /> In the Star Wars movie's famous bar scene you knew, by their appearance, what zany character was sitting beside you. Each character had a distinctive look. Yet in business meetings you may have no idea about the group of characters with whom you're meeting. </p> <p>That's because their normal outward appearances belie often troublesome behavior. Want to learn more about the crazy cast of characters you're likely to encounter in your business meetings? Whether or not you're armed with a light saber, you'll nevertheless be better equipped to do battle with these often-destructive forces who subvert business meetings with their bothersome behavior. Learn more about ten dysfunctional characters you'll meet in business meetings.</p> <h3><span style="font-size: 13px;">Monopolizer</span></h3> <p>The Monopolizer thinks he or she is the only one with wisdom on various subjects at the business meeting. The Monopolizer believes everyone else is there to hear him or her speak - and so they do - incessantly. They don't appreciate business that meetings offer an opportunity to hear from many. </p> <p>They prattle on and on, arrogantly acting as though their ideas or beliefs are inherently more important than those of other employees. Sadly other people shy away from contributing, intimidated by the Monopolizer's strangle hold on the meeting. </p> <p>When facilitators allow an employee to monopolize a business meeting, it sends the message that their rudeness is sanctioned. The facilitator, or even other meeting participants, should indicate an interest in hearing from others in the meeting, to remind the Monopolizer that should indicate an interest in hearing from others in the meeting, to remind the Monopolizer that others can speak as well as listen. </p> <p><strong>&nbsp;<span style="font-size: 13px;">Tangent Talker</span></strong></p> <p>The Tangent Talker hijacks the topic of the group by taking discussions off on tangents - topics unrelated to the issue at hand. One minute you're on topic and the next minute you're in "left field" as your agenda topic has been taken on a tangent.</p> <p>Your meeting leader's ability to recognize the tangent and refocus is essential to a productive meeting. "Let's remember to confine ourselves to the topic at hand" is a good way to get back on track. Alternately saying, "Let's try to avoid tangents" also labels such behavior as contrary to the group's aims. As well, you can "park" extraneous items in a "parking lot" list where they're noted, if only to be addressed later. </p> <p><strong>&nbsp;<span style="font-size: 13px;">Devil's Advocate</span></strong></p> <p>Let's face it, there's a Devil's Advocate in every crowd and in most business meetings, too. This person seems to relish taking the opposite tack. Whatever the argument being put forth, this person delights in taking an opposing view.</p> <p>It's sport for them, an exercise in opposition. The more unpopular the stance the more exciting they find the challenge. Often this employee begins by saying "just for the sake of argument - I believe the opposite is true." While there is value in looking at issues from multiple points of view and to avoid group think, the Devil's Advocate applies their technique to every issue, every argument and every conversation.</p> <p>Hold on to your agenda and get comfortable. This could take a while. A good business meeting leader can praise this person's ability to raise alternative issues. At the same time, the business meeting leader must indicate its inappropriateness, given time parameters or previously agreed upon issues.</p> <h3><span style="font-size: 13px;">Cynic</span></h3> <p>The ultimate naysayer, the Cynic has a Masters degree in <a href="http://humanresources.about.com/od/workrelationships/a/negativitycause.htm">negativity</a>. Adroit at using the phrase, "it won't work," they are skilled at deflating and defeating whatever motion is in motion. "Can't be done." "They'll never buy it." "We tried it once and it was a failure." Their motto: just say no. </p> <p>Challenge cynical employees to think like the Devil's Advocate; suppose for a minute that the idea or project could work. Use a common conflict resolution tool and ask the Cynic to embrace the other side's point of view as if it were their own, and argue that side's position. </p> <p><strong>&nbsp;<span style="font-size: 13px;">Fence Sitter</span></strong></p> <p>Known for their paralysis by analysis, Fence Sitters are unable to make decisions. Despite being in a deliberative body, they are conflicted by multiple arguments, and can't "pull the trigger" when it's time to make a decision in a business meeting.</p> <p>They provide fodder for the Devil's Advocate, the Cynic, and other characters with their ambivalence. Whether they are afraid of being wrong, or of disagreeing with someone else, or just going on record, they are a meeting monster for their inability to move the action forward.</p> <p>Try to cajole the Fence Sitter into action. Remind them that they have a vote and were invited to use it. Ask them their opinions on matters to draw them out and get them on record.<br /> <br /> </p> <p>For these tips&nbsp;and more visit, <a href="http://humanresources.about.com/od/success/tp/happy_work.htm" target="_blank">About.com</a></p>urn:uuid:fb7ab8f6-9fde-423c-a00b-599403d29a7c<img src='http://www.ccisca.com/img/~www.ccisca.com/eco-friendly-products%5B1%5D.jpg' align='left' /> Is it possible we&rsquo;ve discovered too many ways to &ldquo;Go Green?&rdquo; It&rsquo;s become so trendy, sometimes it seems only wealthy people can save the planet. I&rsquo;m glad forward-thinking billionaires have promoted it, but now every busi...Sun, 24 Apr 2011 14:04:03 -0500<p style="text-align: center;"><img alt="" style="width: 335px; height: 195px;" src="/img/~www.ccisca.com/eco-friendly-products%5B1%5D.jpg" /></p> <p>Is it possible we&rsquo;ve discovered too many ways to &ldquo;Go Green?&rdquo; It&rsquo;s become so trendy, sometimes it seems only wealthy people can save the planet. I&rsquo;m glad forward-thinking billionaires have promoted it, but now every business from corner store to mega-corporation is selling the concept.<br /> <br /> Despite all appearances, however, you don&rsquo;t need to spend a lot of green to be green. In fact, good old-fashioned frugality was always eco-friendly. Take a look at these 30 basic things you can make yourself. These are simple &ldquo;recipes&rdquo; and formulas, and all of them will save both the environment and your bank account.<br /> <br /> <strong>1. Dishwasher Soap</strong><br /> Mix together 1 cup washing soda, 1 cup Borax, &frac12; cup salt and &frac12; cup citric acid. Store tightly covered in a jar. Use one tablespoon per load. Add a splash of vinegar to the rinse dispenser for best results.</p> <p style="text-align: left;"><strong>2. Pancake Syrup</strong><br /> I love maple syrup but it&rsquo;s too expensive to let the kids use it every other day. Besides, I want something without the high fructose corn syrup. Combine 1 cup hot water, 2 cups sugar and &frac12; teaspoon maple flavoring. Bring to a boil and heat until thickened.<br /> <br /> <strong>3. Lawn Spray</strong><br /> Mix 1 cup baby shampoo, 1 cup ammonia, 1 can of beer and &frac12; cup corn syrup in a 20-gallon hose-end sprayer. Top off with warm water and soak your grass with this lawn spray once a month. It&rsquo;ll be green and healthy.<br /> <strong><br /> 4. Compost</strong><br /> This one may seem obvious, and it is, but I think there are still many people out there who don&rsquo;t know that making compost is easy. Really, it&rsquo;s easy! To get started, check out <a href="http://compostguide.com/" target="_blank">CompostGuide.com</a> or <a href="http://www.plowhearth.com/magazine/compost_how_to.asp" target="_blank">Plow &amp; Hearth magazine</a>. <br /> <br /> <strong>5. Compost Bin</strong><br /> When I first tried composting, I was really put off by all the expensive composters I found online. The point of this exercise is to save money! Here&rsquo;s a <a href="http://simplemom.net/how-to-make-a-compost-bin/" target="_blank">great solution</a> that won&rsquo;t break the bank.</p> <p style="text-align: center;"><img alt="" src="/img/~www.ccisca.com/plant-fertilizer%5B1%5D.jpg" /></p> <p><strong>6. Plant Fertilizer</strong><br /> If you&rsquo;re still completely put off by composting, it&rsquo;s okay. Rotting things can be scary. Have some leftover coffee grounds? Just throw them directly onto the dirt around your favorite plants. Grind egg shells and do the same. Pour leftover green tea on them. Kids have fish? Dump the old fish tank water. Every once in a while, take a pronged garden tool out there and scrape around to mix things up. Your plants will love you.<br /> <br /> <strong>7. Weed Killer</strong><br /> Vinegar is a great weed killer. Fill a spray bottle with vinegar and spray it on anything you can&rsquo;t get out by the roots. It's one of the few things that will work against such noxious weeds as Canadian Thistle. All vinegars are diluted, so try and buy the highest concentration you can find at the supermarket.<br /> <br /> <strong>8. Laundry Soap</strong><br /> A basic recipe that costs $0.03 per load and uses washing soda, Borax and grated bar soap can be found at <a href="http://craftingagreenworld.com/2011/01/30/how-to-make-your-own-eco-friendly-laundry-soap-for-three-cents-a-load/" target="_blank">Crafting A Green World</a>. There are variations on the basic formula for protecting sensitive skin and for stain removal.<br /> <br /> <strong>9. Make Dinner</strong><br /> Cooking anything at home saves you gas and is cheaper and healthier. Cooking magazines and websites can help or hurt. Don&rsquo;t think you&rsquo;ve got to serve the gourmet meal every night. Make things you like and look for recipes with few ingredients. If you have kids, get them involved. They&rsquo;ll eat better and complain less.</p> <p style="text-align: left;"><strong>10. Glass Cleaner</strong><br /> This is a classic eco-friendly and frugal recipe. Mix 2&frac12; cups of water, &frac12; cup rubbing alcohol and 1 tablespoon white vinegar in a spray bottle. Use newspaper to wipe the windows. I know it seems counter-intuitive, but newsprint has no lint, which is why it works so well.<br /> <strong><br /> 11. Furniture Polish</strong><br /> Combine the juice from 5 lemons with 1 cup of olive oil and pour into a spray bottle. Shake well before each use. Spray the polish on a clean cloth and wipe down your wood furniture to give it a shine.<br /> <br /> <strong>12. Wrapping Paper</strong><br /> If you have a newspaper printing press near you, go down there and ask for a &ldquo;remainder&rdquo; roll of newsprint. There&rsquo;s usually a lot of paper still on it, since the machines can&rsquo;t operate properly once the roll gets below a certain diameter. Wrap gifts with this paper and get the kids to decorate with drawings. Or stamp it and add matching ribbon.<br /> <br /> <strong>13. Fabric Gift Wrap</strong><br /> Another beautiful gift-wrapping idea is to use old fabric scraps for &ldquo;furoshiki&rdquo; gift wrap. <a href="http://www.youtube.com/watch?v=Bn6zdyCAwJs&amp;feature=player_embedded" target="_blank">This video</a> shows lots of ways to do it. One of the cutest versions is for wrapping books &ndash; one of my favorite gifts in can buy for less at Goodwill.</p> <p style="text-align: left;"><strong>14. Art Paints</strong><br /> In a glass mixing bowl combine &frac34; cup flour, 1 tablespoon corn starch, &frac14; cup salt and a package of Kool-Aid (your choice of color). Stir until evenly mixed. Bring 1&frac12; cups of water to a boil and remove from heat. Pour 1&frac12; cups boiling water and then 2 tablespoons vinegar directly into dry mixture, and stir carefully until combined. Cover loosely and let mixture cool until it comes to room temperature. Use as finger paints, with paintbrushes, or with other creative materials that can be used to apply paint to paper.<br /> <br /> Get all tips at:&nbsp; <a href="http://www.freeshipping.org/blog/30-eco-friendly-and-frugal-basics-you-can-make/">http://www.freeshipping.org/blog/30-eco-friendly-and-frugal-basics-you-can-make/</a></p>urn:uuid:4d54db7b-0141-4345-b3ae-489ac3162d68 Here are some great questions to ask when buying auto insurance written by Kate Forgach.&nbsp; As an independent agent, we are here to answer these questions and guide you to find the best insurance plan for your personal situation.&nbsp; There ou...Sun, 24 Apr 2011 13:28:53 -0500<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p><span style="color: #953734;"><strong><em>Here are some great questions to ask when buying auto insurance written by Kate Forgach.&nbsp; As an independent agent, we are here to answer these questions and guide you to find the best insurance plan for your personal situation.</em></strong></span>&nbsp; <br /> <br /> There ought to be required reading in school to prepare us for buying&nbsp;auto insurance<a href="http://topics.sacbee.com/auto+insurance/" class=" lingo_link" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Fauto%2Binsurance%2F">.</a> We need training for reading insanely confusing policy details, imagining worst-case scenarios for ourselves and our loved ones, and weighing the cost of this future doom against a monthly premium payment.</p> <p>Instead, we find ourselves shopping for insurance with no idea of what we're about to do. No wonder people hate it. No wonder people throw up their hands in frustration and just shell out as much as cash they can afford, and never review the policy again. In what other arena do we seriously consider our own destruction and possible death?</p> <p>So here's a guide to help you decide if you still need full-coverage auto insurance, along with a tips on reviewing your current policy. This is not pass/fail. Don't let fear overwhelm your better judgment. In real life, the penalty for ignorance hits you in the wallet. Insurance is a product. You can shop frugally for it just like anything else. 1. Do you drive a car?</p> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>You must have minimum insurance coverage as required by your state. Full coverage auto insurance generally refers to a policy that includes comprehensive and collision insurance, in addition to the state minimum.</p> <p>2. Have you paid off your car loan?</p> <p>You should know up front that, unless you have paid off your car loan, you won't be able to drop full coverage. You may play with the deductible to make this more affordable, but you do need full coverage until you've paid off your car loan</p> <p>3. Do you already have auto insurance?</p> <p>After the purchase price, auto insurance can be the most expensive aspect of owning your car.. Adjusting your policy can lead to substantial savings and more affordable auto insurance. It's absolutely worth reviewing your policy and comparison shopping every year.</p> <p>4. What is your car worth to you?</p> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>Comprehensive insurance covers you if your car is stolen and not recovered, or damaged by anything other than a car accident (e.g. fire, flood or act of God). This will pay for your car to be fixed or replaced for the amount your insurance determines to be the car's actual cash value, minus your deductible. For a general estimate of your car's worth, consult the <a href="http://topics.sacbee.com/Kelley+Blue+Book/" class=" lingo_link" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FKelley%2BBlue%2BBook%2F">Kelley Blue Book.</a></p> <p>5. What is your car worth to the insurance company?</p> <p>Get out your calculator and do the math on the last question. Look up your car's value in the Kelley Blue Book. Subtract your deductible. Don't forget to also subtract the amount of your car loan. This is what you will receive if your car is totaled.</p> <p>6. What is your car worth to someone else?</p> <p>Before you decide to write off comprehensive coverage based on the results of your math, consider the 10 most commonly stolen cars in the United States are more than a decade old. So even if you drive an older car and can't replace the car yourself, you might want to keep your comprehensive insurance.</p> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>7. Are you a careful driver?</p> <p>Collision coverage pays for repair or replacement (minus your deductible) in the case of a crash. Some people think, "I drive like granny and will never crash, so why bother?" The idea is to pocket the money you'd otherwise send to insurance. However, when you are hit by the teenager who mistakes the gas for the break, you may reconsider the wisdom of this. Are you really driving a junker?</p> Read more: <a href="http://www.sacbee.com/2011/04/18/3560024/do-you-still-need-full-coverage.html#ixzz1KSxSNI3d" style="color: #003399;">http://www.sacbee.com/2011/04/18/3560024/do-you-still-need-full-coverage.html#ixzz1KSxSNI3d</a><br /> <br /> <span style="color: #953734;"><strong><em>Let Cliff Cottam Insurance&nbsp;help you with all your insurance needs.&nbsp; Simply <a href="/contact.aspx">contact us </a>at (800) 807- 6871&nbsp;for a free&nbsp;consultation today! </em></strong></span></div> </div> </div> </div>urn:uuid:676fecfa-e94a-49f1-a60a-196328e6116d OLYMPIA, Wash. -- Drivers of electric cars may have left the gas pump behind, but there's one expense they may not be able to shake: paying to maintain the roads. After years of urging residents to buy fuel-efficient cars and giving them tax breaks ...Sat, 23 Apr 2011 14:55:31 -0500<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>OLYMPIA, Wash. -- Drivers of electric cars may have left the gas pump behind, but there's one expense they may not be able to shake: paying to maintain the roads.</p> <p>After years of urging residents to buy fuel-efficient cars and giving them tax breaks to do it, <a href="http://topics.sacbee.com/Washington/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FWashington%2F">Washington</a> state lawmakers are considering a measure to charge them a $100 annual fee - what would be the nation's first electric car fee.</p> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>State lawmakers grappling with a $5 billion deficit are facing declining gas tax revenue, which means less money to maintain or improve roads. </p> <p>"Electric vehicles put just as much wear and tear on our roads as gas vehicles," said Democratic state Sen. Mary Margaret Haugen, the bill's lead sponsor. "This simply ensures that they contribute their fair share to the upkeep of our roads."</p> <p>Other states are trying to find solutions to the same problem, as cars become more fuel-efficient and, now, don't use any gas at all.</p> Read more: <a href="http://www.sacbee.com/2011/04/22/3572687/wash-considers-annual-flat-fee.html#ixzz1KNTbr4Jm" style="color: #003399;">http://www.sacbee.com/2011/04/22/3572687/wash-considers-annual-flat-fee.html#ixzz1KNTbr4Jm</a></div> <br /> <strong><em>Want to find out if Cliff Cottam Insurance can save you more on your Auto&nbsp;insurance?</em></strong>&nbsp;&nbsp; <em><strong>Simply <a href="http://www.ccisca.com/contact.aspx">Contact Us </a>at (800) 807- 6871 for a free no obligation quote!&nbsp; Or, use our online <a href="/automobile/quick_insurance_quote.aspx">Auto Quote Form</a>.</strong></em><br /> </div>urn:uuid:9d5648f2-2a9f-4f6a-8bdc-297f7c6ba423<img src='https://www.insurancewebsitebuilder.com/img/~www.ccisca.com/58093375.jpg' align='left' /> Don't be caught wi...Sat, 23 Apr 2011 14:42:02 -0500<div id="BodyImposter" style="background-color: #cae4ff; color: #666;"> <table width="610" id="Helpful" cellspacing="0" cellpadding="15"> <tbody> <tr> <td></td> </tr> </tbody> </table> <table width="580" id="Box" style="background-color: #fff; color: #666;" cellspacing="0" cellpadding="15"> <tbody> <tr> <td> <table width="580" id="Masthead" cellspacing="0" cellpadding="20"> <tbody> </tbody> </table> <table width="580" id="Content" style="background-color: #fff; color: #666;" cellspacing="0" cellpadding="20"> <tbody> <tr valign="top"> <td id="Primary"> <h2>Don't be caught with your head in the sand</h2> <p style="text-align: center;"><img alt="" style="width: 344px; height: 141px;" src="https://www.insurancewebsitebuilder.com/img/~www.ccisca.com/58093375.jpg" /></p> <p><strong>What is an umbrella policy and do I need one?</strong> </p> <p>When comparing auto insurance companies, you should also consider the possibility of purchasing an umbrella policy. An umbrella policy is a supplemental insurance policy that goes into affect when you reach your limit of liability insurance. </p> <p>For a relatively affordable amount per year, you may be able to purchase a high-limit personal umbrella policy that can be coordinated with your existing policy.</p> <p>We have all heard stories of ridiculously expensive lawsuits.&nbsp; Exposures can range the gamut.&nbsp; What if:&nbsp;</p> <ul> <li>Your children&rsquo;s remarks about others on the internet gives rise to a defamation suit;&nbsp; </li> <li>Your dog playfully knocks over a toddler and you are sued for damages; </li> <li>&nbsp;You are involved in an auto accident resulting in&nbsp;costs that exceed the limits on your auto policy; or&nbsp; </li> <li>An acquaintance&nbsp;trips and falls at your home resulting in costly medical expenses. </li> </ul> <p>Let&rsquo;s face it, you can be sued for legitimate or illegitimate reasons; and to defend yourself is expensive.&nbsp; Your homeowners and auto insurance covers you for a variety of liability exposures, but may not offer enough protection for a serious lawsuit.&nbsp; You can&nbsp;get a million dollars of additional protection, without spending more money.&nbsp;</p> <p><b>What is at risk in a liability lawsuit?<br /> <br /> </b>You&rsquo;ve worked hard throughout your life to have the things you have.&nbsp; To reach a comfortable retirement, you will need your past savings and future earnings to allow you to save adequately.&nbsp; Your financial well being&nbsp;could potentially be at risk if your insurance coverage is not enough to pay a settlement:</p> <ul style="list-style-type: disc; margin-top: 0in;"> <li>Your home and other property may be &ldquo;attached&rdquo; to pay debts </li> <li>Your future wages may be garnished </li> <li>Your financial accounts may be frozen by a creditor with a judgment&nbsp;&nbsp; </li> </ul> <p style="text-align: left;"><b>How much is an Umbrella policy?<br /> <br /> </b>There&nbsp;is&nbsp;good news!&nbsp; An umbrella policy is very affordable, often around $200 to $250 per year.&nbsp; It may be&nbsp;more important to have adequate liability protection than to maintain low deductibles on your other policies.&nbsp; Which would you rather have to pay, an additional $1,500 if your house catches on fire, or potentially hundreds of thousands of additional dollars if you get into an auto accident and seriously injure someone?&nbsp;&nbsp;<br /> <br /> If you would like to find out if you can save enough money on your other insurance policies to pay for an Umbrella Policy <a href="http://www.ccisca.com/contact.aspx"><span style="font-size: 16px;">contact&nbsp;us</span> </a>today!&nbsp;<br /> <br /> <strong>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(800) 807-6871 or ( 916) 488-4426</strong>&nbsp;&nbsp;</p> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <table width="610" id="Legal" cellspacing="0" cellpadding="15"> <tbody> <tr> <td></td> </tr> </tbody> </table> </div>urn:uuid:0752e39f-27c6-455a-952c-7c87b716647b Placing building insurance on any business establishment that is being rented out is a wise measure of protection for building owners. With a large influx of retail strips popping up throughout the suburbs in most states, property owners are buying ...Wed, 20 Apr 2011 14:18:50 -0500<div class="KonaBody"> <p>Placing building insurance on any business establishment that is being rented out is a wise measure of protection for building owners. With a large influx of retail strips popping up throughout the suburbs in most states, property owners are buying up rentals for businesses to use for their home of operations. Especially if the owner of the building does not use the holdings for his or her own operations, shopping for business insurance quotes should be on the top of the priority list. There are too many variables that can lead to asset destruction, even with responsible tenants, and it only takes a small amount of damage to run a pricy repairs total. </p> <p>Because the market is competitive for all forms of insurance, property owners should take the time to shop for the best insurer. There is no one provider who offers the best rates all the time. Instead, one provider may list the best deal for home building insurance while another might be better for the business variety. Additionally, some insurers are more willing to cover risky properties, whether the risk arises from geographic location or the type of business that will operate out of the building.&nbsp; To read entire article: <a href="http://goarticles.com/article/A-Building-Insurance-Quote-Protecting-An-Owners-Property/4495612/">http://goarticles.com/article/A-Building-Insurance-Quote-Protecting-An-Owners-Property/4495612/</a><br /> <br /> <strong><em>If you would like a free no obligation quote, </em></strong><a href="/contact.aspx"><strong><em>contact us </em></strong></a><strong><em>today at (800) 807-6871.&nbsp; Or, you can complete one of our </em></strong><a href="/business/default.aspx"><strong><em>online forms</em></strong></a><strong>.</strong></p> </div>urn:uuid:bf5fbd5a-1e52-451c-bd6b-ce8215ea403cBy William Pirraglia If someone borrows my car, what is covered and who covers it?&nbsp; Most people, when they compare auto insurance quotes, give little thought to how their auto coverage protects them when someone else drives their car. While it&...Wed, 20 Apr 2011 13:50:28 -0500<h2><span style="font-size: 16px;"><span style="font-size: 13px;">By William Pirraglia<br /> <br /> </span>If someone borrows my car, what is covered and who covers it?</span>&nbsp;</h2> <h2><span style="font-size: 13px;">Most people, when they compare auto insurance quotes, give little thought to how their auto coverage protects them when someone else drives their car. While it&rsquo;s natural &ndash; and logical &ndash; to assume that drivers, not cars, cause accidents, the insurance world usually disagrees.<br /> <br /> </span><span style="font-size: 16px;">Consider situations when others may drive your car</span></h2> <h2><span style="font-size: 13px;">Insurance rates combine the value and loss history of vehicles like yours and your personal driving/accident record. Insurance quotes usually do not account for other drivers not named on your policy. You probably don&rsquo;t give it a thought when you compare insurance rates, either. Yet, there are at least two situations where this question arises.</span><span style="font-size: 13px;">&nbsp;</span></h2> <ul id="artlist"> <li><i><strong>Someone borrows your car with your permission.</strong></i></li> <li><i><strong>Someone borrows your auto <span style="text-decoration: underline;">without</span> your permission&mdash;usually called &ldquo;stealing.&rdquo;</strong></i>&nbsp;</li> </ul> <p><strong>Another situation, while rare, sometimes occurs that generates even more confusion. </strong> <ul id="artlist"> <li><em><strong>Your Aunt Florence comes to live with you for a short while (hopefully). She borrows your next door neighbor&rsquo;s car and has an accident.&nbsp;</strong>&nbsp;</em></li> </ul> </p> <p><strong>Most people have no idea what or who is covered as it&rsquo;s not usually mentioned in auto insurance quotes. These situations create confusion, fear, and uncertainty for both drivers and insured car owners.</strong></p> <p><em>Read more:&nbsp; </em><a href="http://www.e-wisdom.com/news/insurance/auto-insurance/lending-your-car-can-bring-auto-insurance-concerns-110230014/"><em>http://www.e-wisdom.com/news/insurance/auto-insurance/lending-your-car-can-bring-auto-insurance-concerns-110230014/</em></a><br /> <br /> <em><strong>If you would like to&nbsp;make sure you are covered in these situations, give us a call&nbsp;</strong><strong>at (800) 807-6871.&nbsp; Or, just complete our online <a href="/contact.aspx">Contact Us&nbsp;</a></strong><strong>form today!</strong></em></p>urn:uuid:1b2bb132-7c90-40e6-9993-f8b332a9ea0a This article from&nbsp;Insurance Journal describes California's Low Cost Auto Program and the eligibility requirements.&nbsp; But not everyone meets the criteria.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The eligibility requirements for the California Low ...Mon, 18 Apr 2011 23:11:14 -0500<div id="article-header"> <h1><span style="font-size: 13px;"><br /> <span style="color: #953734;"><em>This article from&nbsp;Insurance Journal describes California's Low Cost Auto Program and the eligibility requirements.&nbsp; But not everyone meets the criteria.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</em></span></span></h1> </div> <div class="post-194990 post type-post status-publish format-standard hentry category-west tag-auto-liability tag-california tag-technology" id="post-194990"> <div id="article-content"> <p>The eligibility requirements for the California Low Cost Auto (CLCA)&nbsp;program include:</p> <ul> <li>An applicant must be a &ldquo;good driver&rdquo; &ndash; no more than one at-fault, property damage-only accident or one point for a moving violation in the past three years; </li> <li>No at-fault accident involving bodily injury or death in the past three years and no felony or misdemeanor conviction for a violation of the Vehicle Code;</li> <li>&nbsp;Family meets income eligibility limits of $27,225 for a single person, $36,775 for two persons and $55, 875 for a family of four;</li> <li>The value of an insured vehicle must not exceed $20,000. </li> </ul> <p>Representatives from California&rsquo;s&nbsp; Department of Insurance and notebook computer maker ASUS Computer International have been visiting community colleges to introduce students to the state&rsquo;s California Low Cost Automobile Insurance Program (CLCA).</p> <p>In today&rsquo;s economy, all Californians &ndash; especially students &ndash; are looking to save money. The CLCA program provides affordable <strong><em><span style="font-size: 16px;">liability-only</span></em></strong> auto insurance that meets the state&rsquo;s financial responsibility laws for less than $400 a year.</p> <p>&ldquo;The CLCA is a great resource for many Californians, but it can be especially helpful for college students,&rdquo; said Deputy Commissioner Chris Shultz. &ldquo;For as little as $26 a month, students can get liability insurance through the CLCA program &ndash; satisfying California&rsquo;s insurance requirements.&rdquo;</p> <p>The CDI said it recognizes that many students shop for bargains online, which is why it and ASUS&nbsp; representatives recently visited American River College in Sacramento to introduce the CLCA program and demonstrate the ease of applying to the program online.</p> <p>The American River College visit was the second in the Insurance Department&rsquo;s series of ollege events, with a third to follow next month at a community college in San Diego.</p> <p>&ldquo;Every day, more than a million uninsured drivers hit the roads in California,&rdquo; Shultz said. &ldquo;The bottom line is that driving without insurance is illegal. The California Department of Insurance encourages all Californians to find out if they qualify.&rdquo;<br /> <br /> <em><strong><span style="color: #953734;">Note:&nbsp; This coverage is very basic and does not provide&nbsp;comprehensive or collision&nbsp;protection.&nbsp;&nbsp;Cliff Cottam Insurance represent insurance companies such as Mercury Insurance that are <span style="text-decoration: underline;">very</span>&nbsp;competitive (particularly for students with good grades).&nbsp; If you would like&nbsp;to&nbsp;compare rates, <a href="/contact.aspx">contact us&nbsp;</a>for a free <a href="/automobile/quick_insurance_quote.aspx">Auto Quote </a>today!</span></strong></em></p> </div> </div>urn:uuid:f5997388-0748-4997-8d31-9dc7bdaaac0dSeismologists predict a major earthquake, similar in size to the 1906 quake, can hit the San Francisco area at any time. With inflation and exposure added, the total property loss if such an event occurred today could be well over $200 billion and th...Fri, 15 Apr 2011 10:37:27 -0500<p>Seismologists predict a major earthquake, similar in size to the 1906 quake, can hit the San Francisco area at any time. With inflation and exposure added, the total property loss if such an event occurred today could be well over $200 billion and the insured loss would range between $30 to $60 billion.</p> <p>&ldquo;The likelihood that there will be a major earthquake along the San Andreas Fault in California is very high,&rdquo; said Markus Treml, natural catastrophe expert and seismologist at Allianz Re. &ldquo;According to a scientific study in 2008, the chance of having one or more magnitude 6.7 or larger earthquakes in the San Francisco region over the next 30 years is greater than 63 percent; for the whole state, it is greater than 99 percent.&rdquo;</p> <p>For this reason, Fireman&rsquo;s Fund, one of the main California insurers in 1906 and a major property insurer today, has compared the change in population, values, and losses to form a picture of what the 1906 earthquake might look like today.</p> <p>&ldquo;The potential cost of earthquakes has been growing because of increasing urban development in seismically-active areas,&rdquo; An earthquake today&nbsp;...&nbsp;&nbsp; Read more: &nbsp;<a href="http://www.insurancejournal.com/news/west/2011/04/14/194530.htm">http://www.insurancejournal.com/news/west/2011/04/14/194530.htm</a><br /> <br /> <strong><em><span style="color: #953734;">If you are looking for</span></em></strong><a href="http://www.ccisca.com/homeowners/insurance_quote.aspx"><strong><em>&nbsp;home</em></strong></a><strong><em> <span style="color: #953734;">or</span>&nbsp;</em></strong><a href="http://www.ccisca.com/renters/insurance_quote.aspx"><strong><em>renters</em></strong></a><strong><em> <span style="color: #953734;">insurance, or would like to review your current coverage and costs,</span>&nbsp;</em></strong><a href="http://www.ccisca.com/contact.aspx"><strong><em>contact Cliff Cottam Insurance</em></strong></a><strong><em> <span style="color: #953734;">for a free consultation.&nbsp;&nbsp;As an independent agency, we can shop all the top insurance&nbsp;companies to find you the best rates and coverage!&nbsp; &nbsp;(800)&nbsp;807-6871.&nbsp; </span></em></strong></p>urn:uuid:02354063-44e0-4f97-9811-0562b4422f18How has the US real estate market affected its citizens?&nbsp; Compared to China, men who don't own a home "have it made" because they can still find a date; China however, is an entirely different subject.&nbsp; With a rising real estate market an...Thu, 14 Apr 2011 19:30:59 -0500How has the US real estate market affected its citizens?&nbsp; Compared to China, men who don't own a home "have it made" because they can still find a date; China however, is an entirely different subject.&nbsp; <br /> <br /> With a rising real estate market and a clinging-to of tradition, Chinese women are very clear about what they want in a man: financial security.&nbsp; Many men in China have been denied places on Dating services and dates with women simply because they lack property.&nbsp; <br /> <br /> Imagine...300 years ago having a home gave you status (in addition to meeting some other requirements).&nbsp; I am sure there are women in the US who wouldn't give a second thought to a man without a home, job, or car, but in China, having a car, job, and money isn't enough: you need a home too.<br /> <br /> One Chinese man commented, "'My friends tell me I&rsquo;m quite handsome,'" but it seems that it just isn't enough to be good looking; a man must have good looks and the title to a home.&nbsp; <br /> <br /> <br /> <br /> <em>Richard Delgado<br /> <br /> Are you a homeowner already?&nbsp; Pick up a quote from us today!&nbsp; Visit our website for more details: <a href="http://www.ccisca.com">www.ccisca.com</a>.&nbsp; </em><em>Read the rest of the</em> <em>article here: <a href="http://www.nytimes.com/2011/04/15/world/asia/15bachelors.html?pagewanted=1&amp;_r=1&amp;hp">"For Many Chinese Men, No Deed Means No Dates" By Andrew Jacobs</a></em>urn:uuid:3fc51d55-d10c-4fe5-af22-3d7e4e4a906e Take a leisurely drive&nbsp;with this fun&nbsp;game.&nbsp; See if you can stay on the road!&nbsp; http://apps.facebook.com/route-rageous/?api_key=2c1c0746d899a736de22cade96a021fa%20&amp;id=6C44685A-65D5-4DF3-B303-236359A1C4C7 With&nbsp;spring wea...Thu, 14 Apr 2011 12:06:26 -0500<br /> <em><strong>Take a leisurely drive&nbsp;with this fun&nbsp;game.&nbsp; See if you can stay on the road!&nbsp; <br /> <br /> </strong></em><a href="http://apps.facebook.com/route-rageous/?api_key=2c1c0746d899a736de22cade96a021fa%20&amp;id=6C44685A-65D5-4DF3-B303-236359A1C4C7">http://apps.facebook.com/route-rageous/?api_key=2c1c0746d899a736de22cade96a021fa%20&amp;id=6C44685A-65D5-4DF3-B303-236359A1C4C7</a><br /> <br /> <strong><em><span style="color: #953734;"><span style="color: #000000;">With&nbsp;spring weather finally here - - and high gas prices, many people are&nbsp;riding their motorcyles.&nbsp; Progressive have great rates for motorcyles!&nbsp; And, if you&nbsp;combine this with your auto insurance you will receive additional discounts.<br /> <br /> </span><strong><em><span style="color: #000000;">If you would like a free consultation to reevaluate your current&nbsp;insurance or to get a free no obligation&nbsp;quote,</span> </em></strong><a href="http://www.ccisca.com/contact.aspx"><strong><em>contact us </em></strong></a><strong><em><span style="color: #000000;">at (800) 807-6871 today!</span>&nbsp;</em></strong></span></em></strong>urn:uuid:800b7dfe-0292-467f-ad9a-3b94db9f0160<img src='http://www.ccisca.com/img/~www.ccisca.com/balloons.jpg' align='left' /> Here is your last chance to enter our April Card Giveaway!&nbsp; If you entered in March, you are eligible to enter again.&nbsp;&nbsp;Our winner will receive their choice of either a $20 Starbucks or $20 iTunes FREE gift card!&nbsp; Its easy, simply...Tue, 12 Apr 2011 11:15:38 -0500<br /> <span style="font-size: 16px;">Here is your last chance to enter our <em><strong>April Card Giveaway</strong></em>!&nbsp; If you entered in March, you are eligible to enter again.&nbsp;&nbsp;Our winner will receive their choice of either a $20 Starbucks or $20 iTunes FREE gift card!&nbsp; Its easy, simply click here to begin:&nbsp;</span><a href="http://www.ccisca.com/category.aspx?id=MISC9"><span style="font-size: 16px;">Sweepstakes</span></a><span style="font-size: 16px;">.&nbsp; <br /> <br /> While you are at it, why not add $5 more to your card by taking our <span style="color: #c00000;"><em><strong>Trivia Quiz Scavenger Hunt!</strong></em>&nbsp;&nbsp;<br /> </span></span> <p style="text-align: center;"><img alt="" style="width: 177px; height: 250px;" src="/img/~www.ccisca.com/balloons.jpg" /><br /> <br /> <span style="color: #c00000; font-size: 16px;"><strong><em>Tomorrow&nbsp;April 13, 2011 we will be selecting another winner!</em></strong></span></p>urn:uuid:d9801d3a-6b4b-4c61-bb1f-491a6dbbe551 Many families have strugged during the past few years to make ends meet.&nbsp; This article is about&nbsp;how a local high school is&nbsp;teaching students how to handle their&nbsp;finances. - -&nbsp;a step in the right direction.&nbsp; Thank you Cl...Tue, 12 Apr 2011 11:11:47 -0500<p><strong><em><span style="color: #953734;"><br /> Many families have strugged during the past few years to make ends meet.&nbsp; This article is about&nbsp;how a local high school is&nbsp;teaching students how to handle their&nbsp;finances. - -&nbsp;a step in the right direction.&nbsp; Thank you Claudia Buck for sharing how our community&nbsp;is helping&nbsp;students prepare for their financial future.<br /> </span></em></strong><br /> How many high school students pack a lunch to save money? How many have a financial plan for buying a car, going to college, paying for the prom?<br /> <br /> Not too many, judging by the show of hands in a recent economics class at <a href="http://get.lingospot.com/link/?@li2=13032&amp;is_lhid=1&amp;key=ATPUCNWCXV&amp;portal_key=3_Sacbee&amp;ps_id=uRGErC115C&amp;q=QQ:lqOTqjptCQGU_BH_IZSORJJOHGPOPGIVOqptJ:pnCDOqmj_J:pnCGBO4aJm8CHGARA:GSSBKVV&amp;section_key=&amp;site_id=&amp;url=http%3A%2F%2Ftopics.sacbee.com%2FBurbank%2BHigh%2BSchool%2F&amp;url_key=_TaCSO0CAB{P_{{UBK&amp;v=1&amp;~boot=1302622431343" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FBurbank%2BHigh%2BSchool%2F">Burbank High School.</a></p> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>As part of a class talk on "budget busters," the teens got some fast-paced, practical schooling on <a href="http://topics.sacbee.com/money+management/" class=" lingo_link" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Fmoney%2Bmanagement%2F">money management,</a> courtesy of <a href="http://topics.sacbee.com/SACRAMENTO/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">Sacramento</a> CPA Bruce Kajiwara. </p> <p>"Many times in school, you think, 'Why do I have to learn this? I'll never use it,' " said Kajiwara, amid some smiling, nodding agreement from the 24 seniors.</p> <p>But personal finances? "This is the kind of stuff you use every day."</p> <p>Kajiwara's classroom appearance at Burbank comes during <a href="http://topics.sacbee.com/National+Financial+Literacy+Month/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FNational%2BFinancial%2BLiteracy%2BMonth%2F">National Financial Literacy Month,</a> an effort to get more American adults and students focused on sharpening their personal finance smarts.</p> <p>For many Burbank High students, the topic is an eye-opener. In a south <a href="http://topics.sacbee.com/SACRAMENTO/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">Sacramento</a> school where 85 percent of students qualify for federal free lunches based on poverty-level incomes, learning financial skills at home isn't always possible.</p> Read more: <a href="http://www.sacbee.com/2011/04/11/3543880/personal-finance-class-opens-students.html#ixzz1JK8Qupsi" style="color: #003399;">http://www.sacbee.com/2011/04/11/3543880/personal-finance-class-opens-students.html#ixzz1JK8Qupsi</a><br /> <br /> <strong><em><span style="color: #953734;">Cliff Cottam Insurance Services&nbsp;is financial guru, Dave Ramsey's, endorsed local provider for insurance products.&nbsp; We have learned valuable&nbsp;financial lessons from following his advice.&nbsp; If you want to&nbsp;check out his books, videos and get financial tips, visit his website&nbsp;at</span></em></strong> <a href="http://www.daveramsey.com/home/">http://www.daveramsey.com/home/</a>.&nbsp;&nbsp;<br /> <br /> </div>urn:uuid:7de958c7-b7ab-4739-9a8a-ffffb0fb4042Low rates and a dedicated local agent&mdash; a winning combination Some insurance companies offer low rates, but not personal service. Others provide an agent, but you pay for it with higher premiums. Why should you have to choose one or the other? W...Mon, 11 Apr 2011 18:58:45 -0500<h3><span style="font-size: 13px;">Low rates and a dedicated local agent&mdash; a winning combination</span></h3> <p>Some insurance companies offer low rates, but not personal service. Others provide an agent, but you pay for it with higher premiums. Why should you have to choose one or the other? Wouldn't it be great to get both?</p> <p>Well, you can with Mercury. We offer some of the lowest rates around and you also get your own dedicated agent when you become a Mercury customer. So have your cake and eat it, too. Choose heads AND tails. Hit AND stay. Both &mdash; because you deserve more. You deserve Mercury. </p> <h5>Low Rates</h5> <p>Mercury has been helping families like yours save money on their insurance for more than 45 years. In fact, recent surveys have shown that our customers often save hundreds or even thousands of dollars each year when they switch their auto insurance to Mercury. So what are you waiting for? Get a fast, free quote today to see how much Mercury can save you.</p> <h5>Dedicated Agents</h5> <p>At Mercury, we understand that there is no such thing as one-size-fits-all insurance. Your Mercury agent will work with you to create a protection plan just for you. Your agent will find you the lowest rate, and search for discounts that could save you even more. The best part is that this personalized service and expert advice is included with every policy.<br /> &nbsp;<br /> See, both really is better!<br /> <br /> <strong><em><span style="color: #953734;">Cliff Cottam Insurance Services is a&nbsp;Mercury Insurance Agent.&nbsp; If you would like a free consultation to reevaluate your current&nbsp;insurance or to get a no obligation&nbsp;quote, <a href="/contact.aspx">contact us </a>at (800) 807-6871.&nbsp;&nbsp;&nbsp;&nbsp;</span></em></strong></p>urn:uuid:d1cdfbc7-eb00-41d8-a23f-51813d0d9400Here are new facts about teenage drivers that&nbsp;may help to&nbsp;to target programs such as driver education and other efforts to reduce those critical errors and prevent crashes from happening.&nbsp; Teen drivers get into serious accidents at a...Mon, 11 Apr 2011 13:53:56 -0500<p><span style="color: #953734;"><em><strong>Here are</strong></em> <strong><em>new facts about teenage drivers that&nbsp;may help to</em><span style="color: #953734;"><em>&nbsp;</em></span></strong></span><span style="color: #953734;"><em><strong>to target programs such as driver education and other efforts to reduce those critical errors and prevent crashes from happening.&nbsp; <br /> <br /> </strong></em></span>Teen drivers get into serious accidents at a high rate because they fail to scan for possible hazards, go too fast for road conditions, or become distracted by something inside or outside their cars.</p> <p>A recent study by The Children&rsquo;s Hospital of Philadelphia and State Farm Insurance Companies hones in on the most common errors teen drivers make that lead to a serious crash.</p> <p>Teen drivers are involved in fatal crashes at four times the rate of adults, according to the study, which was published in the journal, Accident Analysis and Prevention.</p> <p>Researchers analyzed more than 800 crashes involving teen drivers and identified a few common &ldquo;critical errors&rdquo; that are often one of the last in a chain of events leading up to a crash. Seventy-five percent of these crashes were due a critical teen driver error, with three common errors accounting for nearly half of all serious crashes.</p> <p>Among crashes with a teen driver error:</p> <ul> <li>Twenty-one percent occurred due to lack of scanning that is needed to detect and respond to hazards. </li> <li>Twenty-one percent occurred due to going too fast for road conditions, (for example, driving too fast to respond to others, or to successfully navigate a curve). </li> <li>Twenty percent occurred due to being distracted by something inside or outside the vehicle. </li> </ul> <p>The researchers said that environmental conditions, such as poor weather, vehicle malfunction, aggressive driving, or physical impairments such as drowsy driving were not primary factors in most crashes.</p> <p>&ldquo;This study helps dispel the myth that most teen crashes are due to aggressive driving or thrill-seeking,&rdquo; said Allison Curry, Ph.D., lead author and a researcher at The Children&rsquo;s Hospital&rsquo;s Center for Injury Research and Prevention. &ldquo;Promoting safe driving skills is as important as preventing problem behaviors.&rdquo;&nbsp;<br /> Read more:&nbsp; <a href="http://www.insurancejournal.com/news/national/2011/04/11/194018.htm">http://www.insurancejournal.com/news/national/2011/04/11/194018.htm</a><br /> <br /> <strong><em><span style="color: #953734;">Cliff Cottam Insurance Services is a&nbsp;Mercury Insurance Representative.&nbsp;&nbsp;Mercury is well known for having the "best" rates for teenage drivers.&nbsp; Why not let us give you a no obligation <a href="/automobile/quick_insurance_quote.aspx">Auto Quote </a>today!&nbsp; <br /> <br /> Now is a good time to re-evaluate your current insurance to&nbsp;find out if you can save&nbsp;more on your insurance.&nbsp; <a href="http://www.ccisca.com/contact.aspx">Contact us </a>or simply complete&nbsp;one of our convenient online <a href="/get_a_quote/default.aspx">Quote forms </a>today!&nbsp;</span></em></strong></p>urn:uuid:e3361938-e3e7-4636-844e-e195bd6c6f07 Ongoing costs - - for insurance, repairs and fuel - can vary markedly from one vehicle to another.&nbsp; Ignore those differences and you could vastly underestimate the cost of ownership.&nbsp; By Kathy M. Kristof, Personal Finance If you're thin...Sun, 10 Apr 2011 11:42:18 -0500<p><strong><em><br /> <span style="color: #953734;">Ongoing costs - - for insurance, repairs and fuel - can vary markedly from one vehicle to another.&nbsp; Ignore those differences and you could vastly underestimate the cost of ownership.&nbsp; <br /> <br /> </span></em>By Kathy M. Kristof, Personal Finance</strong></p> <div id="story-body"> <p>If you're thinking about buying a car this year, you're far from alone. Auto sales appear to be ramping up after a couple of fairly lackluster years.</p> <p>But with the economy still on tenterhooks, consumers may want to pay careful attention to auto economics, said Jack Gillis, author of "The Car Book," an annual compendium of information on auto safety, reliability and costs.</p> <p>The price of the car is an important consideration, of course. But ongoing costs &mdash; for insurance, repairs and fuel &mdash; can vary markedly from one vehicle to another. Ignore those differences and you could vastly underestimate the cost of ownership, Gillis said. </p> <p>Consider, for example, two luxury sedans. The Dodge Charger has a manufacturer's suggested retail price of about $38,000, according to Edmunds.com. The Lexus HS 250h, a hybrid, costs $35,600. Does that mean there's a mere $2,400 price difference between the two? Hardly.</p> <p>The Lexus gets roughly 35 miles to the gallon in both city and highway driving, while the Charger speeds through fuel about twice as fast, getting just 13 miles to the gallon in city driving and 19 on the highway. With gasoline prices near or past the $4-per-gallon mark, the consumer who drives about 15,000 miles annually is going to spend roughly $1,700 on fuel each year with the Lexus but about $3,750 on the Charger. That's more than $2,000 in additional costs every year you own the less fuel-efficient car.</p> <p>The differences don't stop there. The Charger is also one of the most expensive <a href="http://www.latimes.com/business/la-fi-perfin-20110403,0,1315050.column">http://www.latimes.com/business/la-fi-perfin-20110403,0,1315050.column</a><br /> <br /> <span style="color: #953734;"><strong><em>Contact <a href="/contact.aspx">Cliff Cottam Insurance Services </a>to find&nbsp;how much your insurance will cost - - before you&nbsp;purchase a car.&nbsp; Just call us at (800) 807-6871 for a free no obligation consultation.&nbsp; You can also complete our online <a href="/automobile/quick_insurance_quote.aspx">Auto quote </a>form.</em></strong></span></p> </div>urn:uuid:2d1b7830-051c-4810-8036-fa3ded38e515Most people believe that their personal belongings are covered under their homeowners policy&nbsp;in any situation.&nbsp; Often, it is&nbsp;only when a loss occurs, that they find out differently.&nbsp; And, when they do, they are understandably upse...Sun, 10 Apr 2011 11:22:48 -0500<p ><span style="color: #953734;"><strong><em>Most people believe that their personal belongings are covered under their homeowners policy&nbsp;in any situation.&nbsp; Often, it is&nbsp;only when a loss occurs, that they find out differently.&nbsp; And, when they do, they are understandably upset.&nbsp;&nbsp;The national flood insurance program&nbsp;is currently being reevaluated for its effectiveness.&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</em></strong><br /> <br /> </span><br /> The <a href="http://blog.nwf.org/wildlifepromise/2011/03/how-your-flood-losses-are-increasing-whether-you-live-in-a-floodplain-or-not/"><strong>National Flood Insurance Program</strong></a> (NFIP) was designed to protect homeowners, but it&rsquo;s putting their safety and the environment at risk. Unfortunately, the federal program encourages construction in environmentally sensitive areas. It&rsquo;s also drowning in over $17 billion in debt and drying out the wallets of taxpayers. Conservationists and tax and free market advocates agree that the NFIP needs to be reformed, and a new bill in Congress could help close the program&rsquo;s floodgates.</p> <p>H.R. 1309, the <a href="http://thomas.gov/cgi-bin/bdquery/D?d112:1:./temp/~bdwdAW::|/home/LegislativeData.php|"><strong>Flood Insurance Reform Act of 2011</strong></a>, is a first step in reforming the NFIP. &ldquo;This bill makes great strides towards removing subsidies that have incentivized high risk development of environmentally sensitive areas&rdquo;, says <strong>Josh Saks</strong>, senior legislative representative for NWF&rsquo;s water resources campaign. Currently, the NFIP charges below market rates for flood insurance, which encourages development in flood prone areas. These areas, if left undeveloped, would serve as natural protective buffers against flooding. The new reform bill would require people to pay market-based rates for flood insurance, which makes it less attractive to build in a risky area. H.R. 1309 also seeks to have every property included in floodplain maps.&nbsp; As a result, taxpayers will be more informed about which properties carry flood risk and how they can protect themselves. Read more:</p> <p><a href="http://blog.nwf.org/wildlifepromise/2011/04/closing-the-floodgates-reforming-the-national-flood-insurance-program/">http://blog.nwf.org/wildlifepromise/2011/04/closing-the-floodgates-reforming-the-national-flood-insurance-program/</a><br /> <br /> <strong><em><span style="color: #953734;">You may or may not need flood insurance.&nbsp; To find out</span></em></strong> <a href="http://www.ccisca.com/contact.aspx"><strong><em>Contact</em></strong></a><strong><em> <span style="color: #953734;">Cliff Cottam Insurance Services to make sure your home and contents are covered.&nbsp;&nbsp;You can also complete our online </span></em></strong><a href="http://www.ccisca.com/flood/insurance_quote.aspx"><strong><em>Flood&nbsp;Quote </em></strong></a><span style="color: #953734;"><strong><em>form.&nbsp; Policies&nbsp;take 30 days to become effective, so don't wait!&nbsp; Call us at (800)&nbsp; 807-6871.</em></strong><br /> </span></p>urn:uuid:f9363da9-49b4-4959-896c-692aaf554d48<img src='https://www.insurancewebsitebuilder.com/img/~www.ccisca.com/6N9X4SUNFLOWER.embedded.prod_affiliate.4%5B1%5D.jpg' align='left' /> Gardening tasks for April&nbsp;&nbsp; It finally feel like spring!&nbsp; Enjoy your home and its surroundings by planting flowers, trees and vegtables this weekend.&nbsp; This is a great family project and the vegtables always&nbsp;taste better and...Sat, 09 Apr 2011 18:54:25 -0500<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <h3><b><span style="font-size: 13px;">Gardening tasks for April&nbsp;&nbsp;<br /> <br /> <strong><em><span style="color: #953734;">It finally feel like spring!&nbsp; Enjoy your home and its surroundings by planting flowers, trees and vegtables this weekend.&nbsp; This is a great family project and the vegtables always&nbsp;taste better and&nbsp;are healthier than store bought.</span></em></strong>&nbsp;&nbsp;</span> <h3 style="text-align: left;"><img alt="" width="316" height="144" style="width: 146px; height: 85px;" src="https://www.insurancewebsitebuilder.com/img/~www.ccisca.com/6N9X4SUNFLOWER.embedded.prod_affiliate.4%5B1%5D.jpg" /></h3> </b></h3> <p>By:&nbsp; Debbie Arrington<br /> <br /> &bull; This is the last chance to plant citrus trees such as dwarf orange, lemon and kumquat. These trees also look good in landscaping and provide fresh fruit in winter. </p> <p>&bull; Smell orange blossoms? Feed citrus trees with a low dose of balanced fertilizer (such as 10-10-10) during bloom to help set fruit. Keep an eye out for ants.</p> <p>&bull; Apply slow-release fertilizer to the lawn.</p> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>&bull; Thoroughly clean debris from the bottom of outdoor ponds or fountains.</p> <p>&bull; Feed shrubs and trees with a slow-release fertilizer. Or mulch with a 1-inch layer of compost.</p> <p>&bull; Azalea and camellia leaves looking a little yellow? Give them a boost with chelated iron.</p> <p>&bull; Trim dead flowers but not leaves from spring-flowering bulbs such as daffodils and tulips. Those leaves gather energy to create next year's flowers. Also, give the bulbs a fertilizer boost after bloom.</p> <p>&bull; Pinch chrysanthemums back to 12 inches for fall flowers. Cut old stems to the ground.</p> <p><b>PLANTING GUIDE</b></p> <p><b>&bull; Vegetables</b></p> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>From seed: Beans (snap), beets, cantaloupe, carrots, chard, corn, cucumbers, melons, onion sets, pumpkins, radishes and squash.</p> <p><b>From transplants:</b> Bok choy, broccoli, cabbage, cauliflower, green bunching onions and lettuce. As weather warms, tomatoes. </p> <p><b>&bull; Flowers</b></p> <p>From seed: Asters, cosmos, celosia, marigolds, salvia, sunflowers and zinnias.</p> <p><b>From transplants:</b> Geraniums, pansies, petunias, primroses, violas, zinnias and other summer annuals. Also, plant perennials, dahlia tubers and summer bulbs, such as gladiolus and tuberous begonias.</p> Read more: <a href="http://www.sacbee.com/2011/04/09/3539603/your-garden-guide-to-spring.html#ixzz1J4OU7xJB" style="color: #003399;">http://www.sacbee.com/2011/04/09/3539603/your-garden-guide-to-spring.html#ixzz1J4OU7xJB</a><br /> <br /> <strong><em><span style="color: #953734;">What&nbsp;a&nbsp;great way to improve your home surroundings.&nbsp;&nbsp;Make sure that <strong><em>your home is&nbsp;protected at the limits you need to cover any losses.&nbsp; Not sure what coverage you currently have?&nbsp;&nbsp;Contact&nbsp;</em></strong><a href="http://www.ccisca.com/contact.aspx"><strong><em>Cliff Cottam Insurance Services&nbsp;</em></strong></a>&nbsp;for<strong><em> a fast free quote!&nbsp;&nbsp;Give us a call at&nbsp;(800) 807-6871 or complete our online&nbsp;<a href="/homeowners/insurance_quote.aspx">homeowners</a> or <a href="/renters/insurance_quote.aspx">rental quote </a>form today!</em></strong></span></em></strong></div> </div> </div>urn:uuid:cf9d770c-69c7-419d-868f-471ccb7b0228<img src='http://www.ccisca.com/img/~www.ccisca.com/58093375.jpg' align='left' />HAPPY CRAZY FRIDAY!! &nbsp; Get you head out of the sand!!&nbsp; Cliff Cottam Insurance is&nbsp;having another drawing for a $20 Gift Card! Starbucks or iTunes, your choice.&nbsp; It's easy to enter - - just click&nbsp;Sweepstakes.&nbsp;&nbsp; T...Fri, 08 Apr 2011 11:43:39 -0500<p style="text-align: center;"><span style="font-family: tahoma; font-size: 16px;"><strong><span style="color: #c00000;"><em>HAPPY CRAZY FRIDAY!!<br /> <br /> </em><br /> &nbsp; <img alt="" style="width: 400px; height: 202px;" src="/img/~www.ccisca.com/58093375.jpg" /><br /> <br /> </span><span style="font-family: arial;"><em><span style="color: #1f497d;">Get you head out of the sand!!&nbsp; </span><span style="color: #000000;">Cliff Cottam Insurance</span> <span style="color: #00b050;">is&nbsp;having another drawing for a</span> $20 Gift Card! Starbucks or iTunes, <span style="color: #e36c09;">your choice</span>.&nbsp; </em></span></strong></span><strong><span style="font-family: arial; color: #000000; font-size: 16px;"><em>It's easy to enter - - just click&nbsp;</em></span></strong><a href="/category.aspx?id=MISC9"><span style="font-family: arial; color: #810081; font-size: 16px;"><strong><em>Sweepstakes</em></strong></span></a><strong><span style="font-family: arial;"><em>.&nbsp;&nbsp;<br /> </em></span></strong></p> <p style="text-align: center;"><strong><span style="font-family: arial;"><em><span style="font-size: 16px;"><span style="color: #7030a0;">To&nbsp;add</span> $5 to your card,&nbsp;<span style="color: #e36c09;">why not take our</span> Trivia Quiz Scavenger Hunt too !&nbsp;&nbsp;</span></em></span></strong><strong><span style="font-family: verdana;"><em><span style="font-family: arial; font-size: 16px;">&nbsp;&nbsp;<br /> <br /> <strong><span style="color: #002060;">Our contest ends</span> April 13th <span style="color: #ff0000;">so enter today!</span></strong></span></em></span></strong></p>urn:uuid:b51d5616-a4fd-4f83-83b3-7c790268d8f1<img src='http://www.ccisca.com/img/~www.ccisca.com/myrtle-beach-sc_home%5B1%5D.jpg' align='left' />It is fun to dream that you could be living in&nbsp;these beautiful homes during these economic times.&nbsp; Take a look at:&nbsp; http://realestate.yahoo.com/promo/million-dollar-homes-at-half-off.html http://realestate.yahoo.com/promo/million-dolla...Fri, 08 Apr 2011 11:24:02 -0500<p><strong><em><span style="color: #953734;">It is fun to dream that you could be living in&nbsp;these beautiful homes during these economic times.&nbsp; Take a look at:&nbsp; <a href="http://realestate.yahoo.com/promo/million-dollar-homes-at-half-off.html">http://realestate.yahoo.com/promo/million-dollar-homes-at-half-off.html</a> </span></em></strong><a href="http://realestate.yahoo.com/promo/million-dollar-">http://realestate.yahoo.com/promo/million-dollar-</a><br /> <br /> </p> <p style="text-align: center;"><img alt="" style="width: 250px; height: 124px;" src="/img/~www.ccisca.com/myrtle-beach-sc_home%5B1%5D.jpg" /></p> <p >If you've dreamed of owning a million-dollar home, the time is now. According to the Zillow Home Value Index (ZHVI), high-end homes in the U.S. are now listed for 27 percent less than their prices at the peak of the market in June 2006. That translates into hundreds of thousands of dollars in savings - and the possibility of buying a million-dollar home for, say, $500,000.</p> <p><a href="http://realestate.yahoo.com/California/Los_Angeles/homes-for-sale" target="_blank">Los Angeles</a> real estate agent Gary Gold of Hilton &amp; Hyland confirms most of the homes in the million-dollar bracket are selling for a third less than the peak market price - and that many of his clients are taking advantage of the discount</p> <p>"The [luxury] market is solid; people are buying for sure," he said. "In general there aren't too many people that say &lsquo;let's wait until prices get lower.' "</p> <p>Gold emphasized that not all real estate markets are the same. While average prices are down 30 percent across the U.S., some of the higher-end homes in <a href="http://realestate.yahoo.com/New_York/New_York/homes-for-sale" target="_blank">New York</a> or <a href="http://realestate.yahoo.com/California/San_Francisco/homes-for-sale" target="_blank">San Francisco</a> are still selling at strong 2006 prices, and properties elsewhere can be found listed for even lower prices - up to 50 percent off.</p> <p>"Real estate is very local and every neighborhood is different. Every situation is different. There are certain things that are selling from zero to 50 percent [off] depending on the situation," said Gold.</p> <p>Why such a significant drop in prices? According to Gold, these homes may have been overpriced when they sold in 2006, or they are now located in a real estate market that is no longer considered high-end. Below are seven homes currently found on Zillow that were once priced in the million-dollar price bracket when they sold in 2006 but are now listed at prices 48 to 52 percent less. And no - these are not distressed sales (foreclosures or short sales).<br /> <br /> <strong><em><span style="color: #953734;">If you are someone who is able to capitalize on low home prices, why not keep the momentum going.&nbsp; We have several top rated insurance companies to find you the most affordable homeowners insurance</span>.&nbsp; </em></strong><a href="http://www.ccisca.com/contact.aspx"><strong><em>Contact Cliff Cottam Insurance </em></strong></a><strong><em><span style="color: #953734;">today to find out how much we can save you.&nbsp; Remember to ask&nbsp;about the discounts that you may be qualified to receive.&nbsp;&nbsp;Online&nbsp;</span></em></strong><a href="http://www.ccisca.com/homeowners/insurance_quote.aspx"><strong><em>Home</em></strong></a><strong><em> <span style="color: #953734;">or</span>&nbsp;</em></strong><a href="http://www.ccisca.com/renters/insurance_quote.aspx"><strong><em>Renters&nbsp;Insurance</em></strong></a><strong><em> <span style="color: #953734;">quotes are also available.&nbsp; </span><span style="color: #000000;">(800) 807-6871</span></em></strong></p>urn:uuid:d39d0b5e-224d-4ef3-8107-fa5b27c1c664 Anyone who has ridden a motorcycle knows that it can be exhilarating and fun. And there are times when a biker may want to travel with a passenger. Riding with a passenger can be a great experience for both the driver and the passenger, but it is im...Fri, 08 Apr 2011 10:41:27 -0500<p style="line-height: 150%;"><b></b></p> <p style="line-height: 150%;">Anyone who has ridden a motorcycle knows that it can be exhilarating and fun. And there are times when a biker may want to travel with a passenger. Riding with a passenger can be a great experience for both the driver and the passenger, but it is important that the proper preparations are made to ensure your safety.&nbsp;&nbsp;<br /> <br /> The most important thing to remember when considering riding with a passenger is that both of you must be comfortable. You should be an experienced motorcyclist and comfortable with your skills and your bike before adding a passenger to the mix. If your riding companion is scared or nervous, it can make a big difference in the way they react, which can affect the bike&rsquo;s handling. The passenger must be able to relax and work with the driver. The passenger should also be alert and act as another set of eyes and ears out on the road. The first step in making a passenger feel comfortable is a prepared driver.&nbsp;</p> <p style="line-height: 150%;">Start by making sure your bike is capable of carrying two people. You may need to adjust your suspension to accommodate the extra weight, so check your owner&rsquo;s manual before heading out. Be sure you have a seat that can comfortably accommodate two. In addition, talk to your passenger about what their responsibilities are out on the road. Don&rsquo;t assume they know.&nbsp;</p> <h1 style="line-height: 150%;"><span style="font-size: 16px;">Before Riding</span></h1> <ul> <li> <p style="line-height: 150%;">Protective Gear &ndash; Make sure your passenger knows that they need to wear a helmet, jacket, gloves, boots and long pants if they are going to be riding with you. The proper attire can help reduce the risk of injury in the event of an accident.&nbsp;</p> </li> <li>Mounting &ndash; Explain to your passenger that the rider mounts first, gets the bike pointed in the right direction and has the bike completely under control before the passenger mounts. The passenger should always mount and dismount the bike from the left side by first putting a foot on the peg and then swinging the other leg over the seat. They should try to keep their weight as evenly distributed as possible.&nbsp;&nbsp; </li> </ul> <ul> <li>Feet on the Pegs &ndash; Once on the bike, it&rsquo;s important that the passenger keep both feet on the pegs at all times, unless the driver indicates otherwise. If the rider takes their feet off the pegs, it can throw off the distribution of weight and cause the bike to tip. In some states, the law requires foot pegs for passengers, so make sure you know what the guidelines in your state are before you head out.&nbsp;&nbsp; </li> </ul> <h1 style="line-height: 150%;"><span style="font-size: 16px;">During the Ride</span></h1> <ul> <li>Practice &ndash; Let your passenger know that their added weight can cause the bike to handle differently. Find a large parking lot or a straight section of road and take the time to practice braking and stopping so both you and your passenger can get used to the feel of it.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </li> <li>Braking &ndash; Weight distribution will change as the bike comes to a stop. The quicker the braking, the more sudden the change in weight distribution. As you come to a stop, your passenger will automatically lurch forward. To minimize the effects of the shift in weight, make sure your passenger keeps their feet on the foot pegs and holds on to the driver around the waist, at the hips or by the belt. As the driver, you should leave plenty of time for braking to avoid abrupt stops.&nbsp;&nbsp;&nbsp; </li> </ul> <p>&nbsp;</p> <ul> <li>Leaning &ndash; Instruct your passenger to lean with the bike while turning or around corners. They should lean gently and avoid sudden movements. The passenger should hold on to the driver and move with the movement of the bike and driver. <b>If your passenger has never ridden a cycle before, you should not take any high-speed turns until they understanding leaning and can do it properly.</b>&nbsp;&nbsp;&nbsp;&nbsp;</li> <li>Turning &ndash; When turning, it is important that the passenger move with the driver and help maintain the stability of the bike. Again, this is best accomplished by having the passenger hold on to the driver, counterbalance to keep the weight evenly distributed and avoid any abrupt movements.&nbsp;&nbsp;&nbsp;&nbsp;</li> <li>Stop Often &ndash; Be sure that both you and your passenger have ample opportunity to get off the bike, stretch your legs and enjoy the scenery. It will help&nbsp;keep both of you alert and make he ride more enjoyable.&nbsp; </li> </ul> <p>Riding with a passenger can be safe and fun if you provide these tips to your passenger, talk through their responsibilities and yours, and practice until you&rsquo;re both comfortable before heading out on the road. If your passenger moves in synch with the bike and the driver, maintains evenly centered weight distribution, holds on to the driver and is relaxed and comfortable, you can have a great time riding. But remember, it all starts with a prepared driver who is confident and in control. <br /> <br /> Before heading out on the road, alone or with a companion, you should also make sure you have the right insurance policy to protect you from the unexpected. The companies of the Foremost Insurance Group have been providing specialty insurance programs for over 50 years and they have the experience and expertise to offer a superior motorcycle insurance policy. A Foremost policy offers things like Safety Apparel Coverage, Optional Equipment Coverage, Towing and Roadside Assistance including Trip Interruption Coverage, flexible payment plans and money-saving discounts. Foremost has specially-trained claims representatives that handle only motorcycle and off-road vehicle claims &ndash; it&rsquo;s not just one of the things they do, it&rsquo;s all they do. They have the experience and expertise to handle claims quickly and fairly.&nbsp; And as an&nbsp;independent agency,&nbsp;Cliff Cottam lnsurance will&nbsp;step in to personally represent you if any problems do occur.&nbsp; <br /> <em><strong><span style="color: #953734;"><br /> For more information about a specialized Motorcycle insurance policy from Foremost,&nbsp;can <a href="/contact.aspx">contact us </a>at&nbsp;1-800-807--6871. Or, complete our online <a href="/motorcycle/insurance_quote.aspx">Motorcyle Insurance Quote </a></span></strong></em><em><strong><span style="color: #953734;">form&nbsp;and see what Foremost can offer with their Motorcycle program.&nbsp; They also&nbsp;have other specialized programs for off-road vehicles, mobile homes, motor homes, travel trailers, personal watercraft and boats!&nbsp;&nbsp;</span></strong></em></p>urn:uuid:83ccbf03-e29c-4122-892f-44ef6086ca7e Soon after launching a $2 billion statewide mortgage assistance program, the California Housing Finance Agency said Tuesday it would loosen eligibility requirements &ndash; allowing owners who used their homes as cash machines during the boom to now...Wed, 06 Apr 2011 19:28:27 -0500<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>Soon after launching a $2 billion statewide mortgage assistance program, the <a href="http://topics.sacbee.com/California+Housing+Finance+Agency/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FCalifornia%2BHousing%2BFinance%2BAgency%2F">California Housing Finance Agency</a> said Tuesday it would loosen eligibility requirements &ndash; allowing owners who used their homes as cash machines during the boom to now receive some help.</p> <p>The change to the Keep Your Home California initiative acknowledges just how many homeowners now in trouble tapped into their equity during the peak.</p> <p>"It is a higher percentage than we were expecting," said <a href="http://topics.sacbee.com/Diane+Richardson/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FDiane%2BRichardson%2F">Diane Richardson,</a> the program manager. In January, after months of delays, the state launched the first phase of the federally funded effort. All four of the initiative's programs were up and running by early February.</p> <p>The state's goal is to help more than 100,000 homeowners. To date, though, just 201 have received assistance through one of the four programs &ndash; at a cost of less than $1.5 million.</p> Read more: <a href="http://www.sacbee.com/2011/04/06/3530847/california-mortgage-aid-includes.html#ixzz1InCF8iBb" style="color: #003399;">http://www.sacbee.com/2011/04/06/3530847/california-mortgage-aid-includes.html#ixzz1InCF8iBb</a></div>urn:uuid:74d64e9f-db7b-4839-ace8-f225334aceea This happened near our house and our condolences go out to the Hess family.&nbsp; This is a sad reminder to all drivers,&nbsp;pedestrians and bicyclists to slow down, stop completely and look before&nbsp;proceeding when&nbsp;at a red light or inter...Wed, 06 Apr 2011 19:20:19 -0500<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <div style="margin-bottom: 28px; font-size: 1.2em; padding-top: 5px;"><span style="color: #953734;"><strong><em><br /> <span style="font-size: 13px;">This happened near our house and our condolences go out to the Hess family.&nbsp; This is a sad reminder to all drivers,&nbsp;pedestrians and bicyclists to slow down, stop completely and look before&nbsp;proceeding when&nbsp;at a red light or intersection.&nbsp; As a driver, the possibility of hurting another person&nbsp;is one of my biggest fears.&nbsp; <br /> <br /> </span></em></strong></span><span style="font-size: 13px;">The Sacramento County Coroner has released the name of the jogger struck by a pickup Monday in Elk Grove.&nbsp; She was identified as Teresa Hess, 53, of Elk Grove. She was pronounced dead 1 p.m. Tuesday.</span></div> <div class="entry-asset asset hentry story" id="entry-42403"> <div class="asset-content entry-content lingo_region"> <div class="asset-body"> <p>Elk Grove police say Hess was jogging across Laguna Boulevard when hit by a pickup truck.&nbsp; Hess was thrown 50 feet on impact. She was not responsive when taken to a local hospital.</p> </div> </div> </div> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>Police said that at about 8 a.m. Hess stepped off the curb on Laguna Boulevard near Laguna Park Drive and was hit by the vehicle. The 32-year-old driver of the truck, who had his 7-year-old daughter in the vehicle with him, was traveling eastbound on Laguna Boulevard.</p> <p>An investigation has revealed that the driver, an Elk Grove resident, ran a red light, according to police spokesman officer Chris Trim. The driver stayed at the scene.</p> <p>"The light had been red for several seconds," when the driver's pickup entered the intersection," Trim said today.&nbsp; Laguna Boulevard and Laguna Park Drive is a four-way intersection controlled by <a href="http://topics.sacbee.com/traffic+lights/" class=" lingo_link" style="font-style: normal; display: inline; font-size: 14px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Ftraffic%2Blights%2F">traffic lights.</a></p> Read comments by people: <a href="http://blogs.sacbee.com/crime/archives/2011/04/coroner-identif-7.html#ixzz1In3Ks28o" style="color: #003399;">http://blogs.sacbee.com/crime/archives/2011/04/coroner-identif-7.html#ixzz1In3Ks28o</a></div> <br /> <br /> </div>urn:uuid:9f8b7834-74fd-44ba-ac75-81791c149bdd Your rental property has just been vacated and you want to take some time to screen new tenants or make upgrades to your property.&nbsp; Does your coverage change now that the home is vacant?&nbsp; To avoid surprises at the time of a claim, it&rsq...Tue, 05 Apr 2011 22:46:26 -0500<p><b></b></p> <p><b></b></p> <p><b></b></p> <p >Your rental property has just been vacated and you want to take some time to screen new tenants or make upgrades to your property.&nbsp; <b>Does your coverage change now that the home is vacant?&nbsp; </b>To avoid surprises at the time of a claim, it&rsquo;s crucial to know exactly what your policy covers.&nbsp; <br /> <br /> <b>Review your policy today for restrictions.&nbsp; Here are some points to check regarding coverage on vacant property:&nbsp;</b>&nbsp;</p> <ul style="list-style-type: disc; margin-top: 0in;"> <li>Will your policy immediately terminate when the home is vacated?&nbsp; </li> <li>If not, how long will coverage continue for named perils like fire, explosion, lightning, vandalism, windstorm and hail damage?&nbsp; </li> <li>What happens if you decide to renovate? </li> <li>Does your carrier offer a separate policy for vacant property?&nbsp;&nbsp;&nbsp;&nbsp;</li> </ul> <p><b>Not everyone loves insuring vacant homes.&nbsp; But Foremost does.</b>&nbsp; That&rsquo;s why they also offer a specific program for vacant homes that provides a full 12-month policy with pro-rata cancellation and the choice to stay insured for up to 24 months.&nbsp; The home can be for sale, in the name of an estate or under renovation.&nbsp; Coverage includes common perils, plus options for liability, personal property, vandalism and malicious mischief.&nbsp;&nbsp;<br /> <br /> <strong><em><span style="color: #953734;">Not sure what your policy provides?&nbsp; Contact <a href="/contact.aspx">Cliff Cottam Insurance Services </a>at (800) 807-6871 to discuss your coverage and find out more about the Foremost Vacant program today!</span></em></strong></p>urn:uuid:b1e46de5-06ef-4b68-8f78-442a9b26e856<img src='https://www.insurancewebsitebuilder.com/img/~www.ccisca.com/campaign%20logo.jpg' align='left' /> In just a few days we will be selecting another winner!&nbsp; Our winner will receive their choice of either a $20 Starbucks or $20 iTunes FREE gift card!&nbsp; Its easy, simply click here to begin:&nbsp;Sweepstakes.&nbsp; While you are at it, why...Tue, 05 Apr 2011 17:05:40 -0500<p style="text-align: center;"><img alt="" style="width: 290px; height: 123px;" src="https://www.insurancewebsitebuilder.com/img/~www.ccisca.com/campaign%20logo.jpg" /></p> <p style="text-align: center;"><span style="font-size: 16px;">In just a few days we will be selecting another winner!&nbsp; Our winner will receive their choice of either a $20 Starbucks or $20 iTunes FREE gift card!&nbsp; Its easy, simply click here to begin:&nbsp;</span><a href="/category.aspx?id=MISC9"><span style="font-size: 16px;">Sweepstakes</span></a><span style="font-size: 16px;">.&nbsp; <br /> <br /> While you are at it, why not add $5 more to your card by taking our Scavenger Hunt!&nbsp;&nbsp;The winner will be selected April 13, 2011&nbsp;- - only 8 days away!<br /> <br /> </span></p>urn:uuid:2f769f0d-5421-4d2b-93d0-c6c739a7e4ca Here is an interesting article on the History of Workers' Compensation and how it evolved. By Christopher J. Boggs, CPCU, ARM, ALCM This year marks the 100th anniversary of the workers' compensation system in the U.S. As Christopher Boggs, directo...Tue, 05 Apr 2011 16:47:48 -0500<p><strong><br /> <span style="color: #953734;"><em>Here is an interesting article on the History of Workers' Compensation and how it evolved.<br /> </em></span><br /> By Christopher J. Boggs, CPCU, ARM, ALCM<br /> <br /> This year marks the 100th anniversary of the workers' compensation system in the U.S. As Christopher Boggs, director of Education for Insurance Journal's Academy of Insurance, writes in the following <em>Workers' Compensation History: The Great Tradeoff!</em>, the states' workers' compensation systems have evolved and expanded since the beginning.</strong></p> <p><em>Workers' Compensation History: The Great Tradeoff!</em></p> <p>Pirates of the 18th century and a 19th century German "Iron" Chancellor preceded the United States in the creation of a social system for the protection of injured workers. The modern U.S. workers' compensation system owes parts of its existence to this parentage.</p> <p><strong>Arrrrg, I'm Hurt!</strong></p> <p>Pirates, contrary to popular myth, proved to be highly organized and entrepreneurial. Prior to their assignment to the ranks of outlaws, they were considered highly prized allies of the government, plundering and sharing the spoils with governors of the pre-Revolutionary colonies who gave them a safe port.</p> <p>Privateering (the gentleman's term for piracy) was a dangerous occupation; taking booty away from those who did not want to give it up leads to sea battles, hand-to-hand combat and injury. Because of the ever-present chance of impairment, a system was developed to compensate injured "employees." There was one catch: he or she (there were female pirates as well) had to survive the wounds to collect as there was no recorded compensation for death.</p> <p>Piratesinfo.com provides some information regarding the amount of payment made to the injured:</p> <p>&bull; Loss of an eye &mdash; 100 pieces of eight (Spanish dollar);<br /> &bull; Loss of a finger &mdash; 100 pieces of eight;<br /> &bull; Loss of left arm &mdash; 500 pieces of eight;<br /> &bull; Loss of right arm &mdash; 600 pieces of eight;<br /> &bull; Loss of left leg &mdash; 400 pieces of eight; and<br /> &bull; Loss of right leg &mdash; 500 pieces of eight.</p> <p>Average weekly wage for colonial Americans of this period equated to approximately two pieces of eight per week. Loss of an eye or finger would merit payment approximating 50 weeks of wages. The right arm was worth 300 weeks (a little less than six years). These compare rather closely to modern compensation schedules.</p> <p>In addition to being compensated, injured crew members were allowed to remain on board and were offered less strenuous duty. The first return-to-work program was created.<br /> <br /> Read more:&nbsp; <a href="http://www.mynewmarkets.com/articles/180913/happy-100th-birthday-workers-compensation-the-great-tradeoff">http://www.mynewmarkets.com/articles/180913/happy-100th-birthday-workers-compensation-the-great-tradeoff</a>-<br /> <br /> <em><strong><span style="color: #953734;">Did you know that Cliff Cottam Insurance Services provides Workers' Compensation Insurance for businesses?&nbsp; If you would like to get a free quote <a href="/contact.aspx">contact us </a>at (800) 807-6871!&nbsp; Or you can complete our online <a href="/business/workers_compensation_quote.aspx">Workers' Compensation form</a>.</span></strong></em></p>urn:uuid:7aec0585-5b89-43bc-ad94-afc9f5c684a4 Each day brings new possibilities for unfortunate accidents and liability claims.&nbsp; Many people don't recognize their loss exposures, which can unfortunately result in catastrophic loss and significant financial burden.&nbsp; The following scena...Mon, 04 Apr 2011 13:30:16 -0500<br /> Each day brings new possibilities for unfortunate accidents and liability claims.&nbsp; Many people don't recognize their loss exposures, which can unfortunately result in catastrophic loss and significant financial burden.&nbsp; The following scenarios are factual claims that cost these&nbsp;families a fortune.<br /> <br /> <strong>Internet blogger:</strong>&nbsp; The insured's daughter hated math class as well as the teacher.&nbsp; The daughter made several "disparaging" and false remarks about her teacher online.&nbsp; The teacher sued the parents for personal injury and $750,000 was paid.<br /> <br /> <strong>Faulty Furnace:</strong>&nbsp; The insured's tenant claims she became ill from carbon monoxide poisoning resulting from a faulty furnace.&nbsp; The tenant claimed permanent brain damage and demanded $750,000.<br /> <br /> <strong>Coaching Circumstances:</strong>&nbsp; A teenager, who was destined for greatness as a softball player, filed a $700,000 lawsuit against her former coach alleging his incorrect teaching style ruined chances for an athletic scholarship.<br /> <br /> <em><strong>An umbrella insurance policy, also know as excess liability, provides an additional layer of liability insurance coming into effect once the underlying limits are exhausted or the retention level is met. This single policy acts as an "umbrella" over all of your other personal liability policies (home, auto, boat, RV, etc.) so you have a higher personal liability limit than what would otherwise be available.&nbsp; This protection will &ldquo;kick-in&rdquo; when the liability on other current policies have been exhausted.&nbsp; <br /> <br /> <span style="color: #953734;">If you would like to find out more about this important coverage,&nbsp;<a href="/contact.aspx">contact us </a>at (800) 807-6871 for a free consultation.&nbsp;</span></strong></em>urn:uuid:8b632988-35a6-4b4e-b3a4-12ad62e664e7 Cliff Cottam Insurance Services&nbsp;represent Mercury Insurance who is&nbsp;one of the leading insurance companies in the nation.&nbsp; Mercury is well known for&nbsp;having great rates for teenage drivers as well as renters insurance.&nbsp; And, a...Sun, 03 Apr 2011 13:02:31 -0500<br /> Cliff Cottam Insurance Services&nbsp;represent Mercury Insurance who is&nbsp;one of the leading insurance companies in the nation.&nbsp; Mercury is well known for&nbsp;having great rates for teenage drivers as well as renters insurance.&nbsp; And, are second to none for their "low cost" Mechanical Breakdown Warranty Plans.&nbsp; If you have purchased this protection&nbsp;from an auto dealer; or,&nbsp;are considering purchasing,&nbsp;call us at&nbsp;<span style="color: #000000;"><strong><span style="color: #953734; font-size: 13px;">(800) 807-6871</span></strong>&nbsp;to see how much you can save!&nbsp; <br /> <br /> </span>Now is a good time to re-evaluate your current insurance to&nbsp;find out if you can save&nbsp;more on your insurance.&nbsp; <a href="/contact.aspx">Contact us </a>or simply complete&nbsp;one of our convenient online Quote forms today!&nbsp;<br /> <br /> <ul> <li>Auto Quote:&nbsp; <a href="http://www.ccisca.com/automobile/quick_insurance_quote.aspx">http://www.ccisca.com/automobile/quick_insurance_quote.aspx</a>&nbsp; </li> <li>Homeowners Quote: &nbsp;<a href="http://www.ccisca.com/module.aspx?ref=900">http://www.ccisca.com/module.aspx?ref=900</a> </li> <li>Renters Quote: &nbsp;<a href="http://www.ccisca.com/renters/insurance_quote.aspx">http://www.ccisca.com/renters/insurance_quote.aspx</a> </li> <li>Business Quote&nbsp; <a href="http://www.ccisca.com/business/general_liability_quote.aspx">http://www.ccisca.com/business/general_liability_quote.aspx</a> </li> </ul> <p>For a&nbsp;instant Auto Quote which includes an estimated premium click here:&nbsp; <a href="https://quote2.mercuryinsurance.com/WebQuote/startQuote.do?submitName=startQuote&amp;RedSt=CA&amp;src=agentlink&amp;agentcode=045100">https://quote2.mercuryinsurance.com/WebQuote/startQuote.do?submitName=startQuote&amp;RedSt=CA&amp;src=agentlink&amp;agentcode=045100</a></p> <strong>It's free, easy and there is no obligation to purchase.</strong>&nbsp;&nbsp;<a href="/contact.aspx">Contact us&nbsp;</a><strong> to get the lowest rates from an outstanding company today!<br /> </strong>urn:uuid:e43405a2-b717-48a0-b8c4-a3ef6a32f631 Who knew that filling up&nbsp;early in the morning, slowly, and when the tank is half full&nbsp;saves gas!&nbsp; Thank you Sacramento Bee for this article!&nbsp;&nbsp; There are nearly as many tips for saving gasoline as there are suggestions for ...Sun, 03 Apr 2011 12:23:14 -0500<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p><strong><em><span style="color: #953734;"><br /> Who knew that filling up&nbsp;early in the morning, slowly, and when the tank is half full&nbsp;saves gas!&nbsp; Thank you Sacramento Bee for this article!&nbsp;&nbsp;<br /> </span></em></strong><br /> There are nearly as many tips for saving gasoline as there are suggestions for losing weight. Some gas-saving tips might save you a few drops; others will save gallons. In the end, saving money is the key. Here are some ways to cut your costs at the pump:</p> <p><b>Light right foot:</b> Stomping that accelerator, particularly on stoplight-choked city streets, is a gas-guzzling mistake. Easy accelerations and lightening up just a little on the highway will add up in the long haul. </p> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p><b>Pressure's on: </b>Underinflated tires will drain your wallet. Keep tires at pressures recommended in your car owner's manual, and <a href="http://topics.sacbee.com/AAA/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FAAA%2F">AAA</a> says you'll improve <a href="http://topics.sacbee.com/gas+mileage/" class=" lingo_link" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Fgas%2Bmileage%2F">gas mileage</a> by up to 5 percent. Worn or flat-spotted tires that don't roll smoothly can also cost you mileage and money. </p> <p><b>Maintain to gain: </b>Following the recommended maintenance guides for changing spark plugs and air/fuel filters will cost you a little, but save on fuel mileage in cars kept more than five years. </p> <p><b>Oil counts, too: </b>Using the grade of oil recommended in the owner's manual could produce a 2 percent improvement in gas mileage. </p> <p><b>Buying habits: </b>You could buy a fuel-sipping, gas-electric hybrid or an all-electric vehicle like the <a href="http://topics.sacbee.com/Nissan+Leaf/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FNissan%2BLeaf%2F">Nissan Leaf.</a> But it's important to do your homework, first to see the amount of available <a href="http://topics.sacbee.com/tax+credits/" class=" lingo_link" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Ftax%2Bcredits%2F">tax credits</a> on an alternative-fuel model. Then, you need to estimate your annual mileage driven and compare that with the premium you pay to buy a hybrid or all-electric auto. It might work for you. On the other hand, an economical, gas-fueled, four-cylinder car without a price premium might make more economic sense. Ford, Chevrolet, Honda and <a href="http://topics.sacbee.com/Hyundai/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FHyundai%2F">Hyundai</a> are among those making new four-cylinder models that top 40 miles per gallon on the highway. </p> <p><b>Shop around: </b>Helpful websites like GasBuddy.com can get you to nearby gas stations offering comparative bargains on fuel. <a href="http://topics.sacbee.com/AAA/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">AAA</a> recently introduced a free <a href="http://topics.sacbee.com/AAA/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">AAA</a> TripTik Mobile application, and air/fuel filters will cost you a little, but save on fuel mileage in cars kept more than five years. </p> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p><b>Oil counts, too: </b>Using the grade of oil recommended in the owner's manual could produce a 2 percent improvement in gas mileage. </p> <p><b>Buying habits: </b>You could buy a fuel-sipping, gas-electric hybrid or an all-electric vehicle like the <a href="http://topics.sacbee.com/Nissan+Leaf/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FNissan%2BLeaf%2F">Nissan Leaf.</a> But it's important to do your homework, first to see the amount of available <a href="http://topics.sacbee.com/tax+credits/" class=" lingo_link" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Ftax%2Bcredits%2F">tax credits</a> on an alternative-fuel model. Then, you need to estimate your annual mileage driven and compare that with the premium you pay to buy a hybrid or all-electric auto. It might work for you. On the other hand, an economical, gas-fueled, four-cylinder car without a price premium might make more economic sense. Ford, Chevrolet, Honda and <a href="http://topics.sacbee.com/Hyundai/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FHyundai%2F">Hyundai</a> are among those making new four-cylinder models that top 40 miles per gallon on the highway. </p> <p><b>Shop around: </b>Helpful websites like GasBuddy.com can get you to nearby gas stations offering comparative bargains on fuel. <a href="http://topics.sacbee.com/AAA/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">AAA</a> recently introduced a free <a href="http://topics.sacbee.com/AAA/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">AAA</a> TripTik Mobile application, where Apple iPhone users can get frequent updates on <a href="http://topics.sacbee.com/gas+prices/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Fgas%2Bprices%2F">gas prices.</a> </p> <p><b>Customize with care: </b>Large, fancy wheels and wheel coverings might look cool, but they also add weight to the vehicle. More weight, more gas used. Along the same line, remove ski racks and luggage racks when you aren't using them. </p> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p><b>The right mix: </b>The optimum mix of engine-cooling fluids and their freshness typically get little attention. Too bad, because an engine running excessively cool or hot is not an efficient engine. </p> <p><b>Try the "econ" button: </b>Hitting the "sport" mode button on some cars might be your routine, but unless you need that extra power boost all the time, you're burning money through your fuel line. </p> <p><b>No time to idle: </b>Idling the car can keep you warmer or cooler for a few minutes waiting in a parking lot, but be aware that you're burning gas all the time. Likewise, long waits at the drive-through lane save you a few steps, but they cost you <a href="http://topics.sacbee.com/gas+money/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Fgas%2Bmoney%2F">gas money.</a> </p> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p><b>Be a multitasker: </b>Plan to combine those three car-outing errands into one. It saves miles and fuel. </p> <p><b>Be pump-wise: </b>The myriad suggestions that scientists and fuel experts offer for smart filling up at the <a href="http://topics.sacbee.com/gas+pump/" class=" lingo_link" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Fgas%2Bpump%2F">gas pump</a> include: </p> <p>&bull; Fill the tank in early morning, when the temperature of gas in underground tanks is coolest. Filling the tank with cool, relatively dense gas is preferable to buying gas that expands in warmer temperatures. </p> <p>&bull; Fill up slowly. A nice, even flow from the fuel nozzle reduces vapor production. And given gasoline's rapid evaporation rate, you're likely to get a more honest fill-up by refueling when your <a href="http://topics.sacbee.com/gas+tank/" class=" lingo_link" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Fgas%2Btank%2F">gas tank</a> is half full. </p> Read more: <a href="http://www.sacbee.com/2011/04/03/3522080/saving-every-drop.html#ixzz1ITsgtWXb" style="color: #003399;">http://www.sacbee.com/2011/04/03/3522080/saving-every-drop.html#ixzz1ITsgtWXb</a><br /> <br /> <strong><em><span style="color: #953734;">Want to find out if Cliff Cottam Insurance can save you more on your insurance?</span></em></strong>&nbsp;&nbsp; <em><strong><span style="color: #953734;">Simply <a href="/contact.aspx">Contact Us </a>at (800) 807- 6871 for a free no obligation quote!&nbsp; Or, use one of our many <a href="/get_a_quote/default.aspx">online insurance quote forms</a>.<br /> </span></strong></em></div> <br /> <br /> </div> </div> </div> </div>urn:uuid:354480a6-51ee-480b-bd41-8e73cd495b92<img src='http://www.ccisca.com/img/~www.ccisca.com/balloons.jpg' align='left' /> Cliff Cottam Insurance is&nbsp;having another drawing for a $20 Gift Card! Starbucks or iTunes, your choice.&nbsp; To&nbsp;add $5 to your card,&nbsp;take our Trivia Quiz too.&nbsp;&nbsp; To enter just click&nbsp;Sweepstakes.&nbsp;&nbsp;Our contest ...Sat, 02 Apr 2011 13:25:21 -0500<span style="font-family: georgia; color: #1f497d; font-size: 16px;"><span style="color: #c00000;"><span style="color: #000000;"><br /> Cliff Cottam Insurance is&nbsp;having another drawing for a $20 Gift Card! Starbucks or iTunes, your choice.&nbsp; To&nbsp;add $5 to your card,&nbsp;take our Trivia Quiz too.</span>&nbsp;&nbsp;<br /> <br /> </span><span style="color: #000000;">To enter just click&nbsp;</span></span><a href="/category.aspx?id=MISC10"><span style="font-family: georgia; font-size: 16px;">Sweepstakes</span></a><span style="font-family: georgia; font-size: 16px;">.&nbsp;&nbsp;Our contest ends April 13th so enter today!<br /> <br /> <br /> <p style="text-align: center;"><img alt="" style="width: 178px; height: 204px;" src="/img/~www.ccisca.com/balloons.jpg" /></p> </span> <p style="text-align: center;">&nbsp;</p>urn:uuid:18e305d9-c65c-4013-9373-cd95f734f3a4 This article in the Sacramento bee by Carlos Alcal&aacute; is getting alot of posts.&nbsp; There are also other distractions such as eating, putting&nbsp;on makeup,&nbsp;dealing with kids, rushing to get to work, etc. &nbsp;Maybe we&nbsp;should al...Sat, 02 Apr 2011 13:13:26 -0500<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <div class="asset-content entry-content lingo_region"> <div class="asset-body"> <p><strong><em><span style="color: #953734;">This article in the Sacramento bee by Carlos Alcal&aacute; is getting alot of posts.&nbsp; There are also other distractions such as eating, putting&nbsp;on makeup,&nbsp;dealing with kids, rushing to get to work, etc. </span>&nbsp;<span style="color: #953734;">Maybe we&nbsp;should all just drive.</span>&nbsp;&nbsp; <br /> </em></strong></p> <p>The California Highway Patrol and local law enforcement agencies are urging motorists to hang up and drive and are promising a crackdown on distracted drivers this month.</p> <p>California elected and public safety officials will gather at the CHP's training academy in West Sacramento Monday to promote the effort.</p> </div> <div class="asset-more" id="more"> <p>The parents of a driver who died in a distracted driving crash will be there, along with the vehicle that the victim was driving.</p> <p>Among the local agencies promising zero tolerance is the police department of the Twin Rivers Unified School District.</p> <p>Twin Rivers officials warn that first-time fines for students cited for texting while driving is $159.</p> <p>They recommend turning off the phone before driving, pulling over to talk or message, and using phone apps that will hold calls and texts while driving.<br /> <br /> Read more: <a href="http://blogs.sacbee.com/crime/archives/2011/04/chp-promises-cr.html#ixzz1IOE3tjuI" style="color: #003399;">http://blogs.sacbee.com/crime/archives/2011/04/chp-promises-cr.html#ixzz1IOE3tjuI</a><br /> <br /> <span style="color: #953734;"><strong><em>Just be safe and watch the road.&nbsp; You also need to make sure you are protected if an accident does occur.&nbsp;&nbsp;Cliff Cottam Insurance would like to help you determine the best options for your personal situation - -&nbsp;cost, coverage and discounts that you may be qualified to receive.&nbsp;<br /> <br /> <a href="/contact.aspx">Contact us </a>at (800) 807-6871 for a free consultation.&nbsp; Or, click here to complete our online <a href="/automobile/quick_insurance_quote.aspx">Auto quote </a>form.&nbsp; Why not find out if&nbsp;we can improve your protection and save you money.&nbsp; It is free and there is no obligation!</em></strong> <br /> </span></p> </div> </div> </div>urn:uuid:4bb36004-2006-4a8d-a1cf-360c27801a27Spring is here and&nbsp;people are beginning home projects.&nbsp;&nbsp;If you are renovating, repairing or painting here is some important information provided by the EPA&nbsp;to help keep you and your family safe.&nbsp;&nbsp;Here are excerpts from a...Fri, 01 Apr 2011 16:04:50 -0500<p style="text-align: left;"><strong><em><span style="color: #953734;">Spring is here and&nbsp;people are beginning home projects.&nbsp;&nbsp;If you are renovating, repairing or painting here is some important information provided by the EPA&nbsp;to help keep you and your family safe.&nbsp;&nbsp;Here are excerpts from an EPA pamphlet titled <br /> </span></em></strong><strong><em><strong><em><span style="color: #953734;">"The Lead-Safe Certified Guide to Renovate Right "</span>&nbsp;<br /> &nbsp;</em></strong>&nbsp;&nbsp;</em></strong><br /> &bull; Is your home, your building, or the child care facility or school your children attend being renovated, repaired, or painted?</p> <p style="text-align: left;">&bull; Was your home, your building, or the child care facility or school where your children under six years of age attend built before 1978?</p> <p style="text-align: left;">If the answer to these questions is YES, there are a few important things you need to know about lead-based paint.</p> <p><strong><span style="font-size: 16px;">The Facts<br /> </span></strong>Lead can affect children&rsquo;s brains and developing nervous systems, causing reduced IQ, learning disabilities, and behavioral problems. Lead is also harmful to adults.</p> <p style="text-align: left;">&bull; Lead in dust is the most common way people are exposed to lead. People can also get lead in their bodies from lead in soil or paint chips. Lead dust is often invisible.</p> <p style="text-align: left;">&bull; Lead-based paint was used in more than 38 million homes until it was banned for residential use in 1978.</p> <p style="text-align: left;">&bull; Projects that disturb painted surfaces can create dust and endanger you and your family. &nbsp;Don&rsquo;t let this happen to you. Follow the practices described in this pamphlet to protect you and your family.</p> <strong><span style="font-size: 16px;">For Property Owners<br /> </span></strong>You have the ultimate responsibility for the safety of your family, tenants, or children in your care.&nbsp; This means properly preparing for the renovation and keeping persons out of the work area (see p. 8). It also means ensuring the contractor uses lead-safe work practices. <p style="text-align: left;">Federal law requires that contractors performing renovation, repair and painting projects that disturb painted surfaces in homes, child care facilities, and schools built before 1978 be certified and follow specific work practices to prevent lead contamination.</p> <p style="text-align: left;">Make sure your contractor is certified, and can explain clearly the details of the job and how the contractor will minimize lead hazards during the work.</p> <p style="text-align: left;">&bull; You can verify that a contractor is certified by checking EPA&rsquo;s website at epa.gov/getleadsafe or by calling the National Lead Information Center at 1-800-424-LEA D (5323). You can also ask to see a copy of the contractor&rsquo;s firm certification.</p> <p style="text-align: left;">&bull; Ask if the contractor is trained to perform lead-safe work practices and to see a copy of their training certificate.</p> <p style="text-align: left;">&bull; Ask them what lead-safe methods they will use to set up and perform the job in your home, child care facility or school.</p> <p style="text-align: left;">&bull; Ask for references from at least three recent jobs involving homes built before 1978, and speak to each personally.&nbsp; Always make sure the contract is clear about how the work will be set up, performed, and cleaned.</p> <p style="text-align: left;">&bull; Share the results of any previous lead tests with the contractor.</p> <p style="text-align: left;">&bull; You should specify in the contract that they follow the work practices described on pages 9 and 10 of this brochure.</p> <p style="text-align: left;">&bull; The contract should specify which parts of your home are part of the work area and specify which lead-safe work practices will be used in those areas. Remember, your</p> <p style="text-align: left;">contractor should confine dust and debris to the work area and should minimize spreading that dust to other areas of the home.</p> <p style="text-align: left;">&bull; The contract should also specify that the contractor will clean the work area, verify that it was cleaned adequately, and re-clean it if necessary.</p> <p style="text-align: left;">If you think a worker is not doing what he is supposed to do or is doing something that is unsafe, you should:</p> <p style="text-align: left;">&bull; Direct the contractor to comply with regulatory and contract requirements.</p> <p style="text-align: left;">&bull; Call your local health or building department, or</p> <p style="text-align: left;">&bull; Call EPA's hotline 1-800-424-LEAD (5323). If your property receives housing assistance from HUD (or a state or local agency that</p> <p style="text-align: left;">This pamphlet provides basic facts about lead and information about lead safety when work is being done in your home, your building or the child care facility or school your children attend.&nbsp;<br /> <br /> <span style="color: #953734;"><em><strong>To access complete&nbsp;pamphlet&nbsp;click:</strong></em></span>&nbsp; <a href="http://www.epa.gov/lead/pubs/renovaterightbrochure.pdf">http://www.epa.gov/lead/pubs/renovaterightbrochure.pdf</a></p>urn:uuid:63e5516c-78f6-43aa-b001-4cf66ed7a665 Take notice to this article by Jack Chano of the Sacramento Bee.&nbsp; Law enforcement are more aggressive than ever!&nbsp; Make sure you follow the law and drive safely to avoid getting a ticket! The reasons are in dispute, but the trend is clear:...Fri, 01 Apr 2011 10:34:44 -0500<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p><span style="color: #953734;"><strong><em>Take notice to this article by Jack Chano of the Sacramento Bee.&nbsp; Law enforcement are more aggressive than ever!&nbsp; Make sure you follow the law and drive safely to avoid getting a ticket!<br /> <br /> </em></strong></span>The reasons are in dispute, but the trend is clear: The California Highway Patrol is handing out more traffic citations than it did a few years ago, and that has generated tens of millions of dollars in new revenue for state and local government.</p> <p>As the state and cities wrestled with shrinking revenue and growing budget gaps, the California Highway Patrol issued about 200,000 more traffic citations in 2009 than it did two years before.</p> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>Sacramento Superior Court, meanwhile, processed about 37,000 more traffic filings last year than in 2006 &ndash; a 16 percent increase. Local police departments, the county Sheriff's Department and the CHP gave out those tickets. </p> <p>Driver advocates say that such growth in traffic enforcement is happening all over the country and that the timing isn't coincidental. They contend that state and local governments nationwide have been raising revenue by issuing more traffic citations.</p> <p>CHP and other police officials respond that their sole concern is safety, as some departments dispatch more officers to the streets.</p> <p>What's clear is that the growing enforcement has generated millions of dollars more revenue for government.</p> Read more: <a href="http://www.sacbee.com/2011/04/01/3519405/driver-advocates-suspect-fiscal.html#ixzz1IHm38njB" style="color: #003399;">http://www.sacbee.com/2011/04/01/3519405/driver-advocates-suspect-fiscal.html#ixzz1IHm38njB</a></div> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"><br /> <strong><em><span style="color: #953734;">Keep your family protected and safe.&nbsp; If you want Cliff Cottam Insurance to research the top insurance companies and&nbsp;get you the best insurance,</span> </em></strong><a href="http://www.ccisca.com/contact.aspx"><strong><em>Contact Us&nbsp;</em></strong></a><strong><em> <span style="color: #953734;">at (800) 807-6871.&nbsp; Or. complete our online </span></em></strong><a href="http://www.ccisca.com/automobile/quick_insurance_quote.aspx"><strong><em>Auto Quote form </em></strong></a><span style="color: #953734;"><strong><em>for a no obligation quote.</em></strong><br /> <br /> </span></div> </div>urn:uuid:b0af7100-00d1-44e7-a5aa-9beb2a76d59b<img src='http://www.ccisca.com/img/~www.ccisca.com/balloons.jpg' align='left' /> Enter our April CCIS Card Giveaway!&nbsp; You can win a $20 Starbucks or iTunes card, your choice!&nbsp; To enter just like us on facebook.&nbsp;Simply&nbsp;click http://www.ccisca.com/category.aspx?id=MISC9&nbsp;to get you&nbsp; on your way!! Why ...Wed, 30 Mar 2011 18:03:35 -0500<p style="text-align: center;"><img alt="" style="width: 114px; height: 168px;" src="/img/~www.ccisca.com/balloons.jpg" /></p> Enter our April CCIS Card Giveaway!&nbsp; You can win a $20 Starbucks or iTunes card, your choice!&nbsp; To enter just like us on facebook.&nbsp;Simply&nbsp;click <a href="http://www.ccisca.com/category.aspx?id=MISC9">http://www.ccisca.com/category.aspx?id=MISC9</a>&nbsp;to get you&nbsp; on your way!!<br /> <br /> Why not&nbsp;add $5 more to your card by&nbsp;taking our Trivia Quiz..&nbsp; This is simple and will only take a minute.&nbsp; Don't wait - - the winner will be randomly selected on&nbsp;April 13, 2011.&nbsp;&nbsp;&nbsp;<br /> <br /> <strong><em>While your on our website, why not request a free consultation to find out if we can save you money on&nbsp;your current insurance?&nbsp;&nbsp;As an independent agency, we&nbsp;can shop all of the insurance companies to find you the the company that best meets&nbsp;your personal situation. &nbsp;There are&nbsp;many advantages to&nbsp;having someone represent you in the event of a claim or if a problem occurs.&nbsp;&nbsp;Don't be stuck with one option and one company <a href="/contact.aspx">contact us </a>today at (800) 807-6871<br /> </em></strong><br />urn:uuid:82d81d97-2495-4f10-8395-feb41349d3f1At Cliff Cottam Insurance Services we understand the plight of small businesses.&nbsp; We came across these 7 tips by Nazir Daud and&nbsp;thought that we should share them with other businesses.&nbsp; If you would like to view business videos click ...Wed, 30 Mar 2011 15:49:06 -0500<p><span style="font-style: italic;"><strong><span style="color: #953734;">At Cliff Cottam Insurance Services we understand the plight of small businesses.&nbsp; We came across these 7 tips by</span></strong> <a href="http://www.articlesbase.com/authors/nazir-daud/123667.htm" title="Nazir Daud">Nazir Daud<strong> </strong></a></span><strong><span style="color: #953734;">and&nbsp;thought that we should share them with other businesses</span>.&nbsp;<br /> <span style="color: #953734;"><br /> If you would like to view business videos click</span></strong> <a href="http://www.manta.com/small-business/finance_cash_manage_0110?referid=10571">http://www.manta.com/small-business/finance_cash_manage_0110?referid=10571</a><br /> <br /> In today's unhealthy economy, one can't help but wonder how small businesses can effectively achieve cash management. In fact, even medium scale and large scale business are struggling to cut back on their expenditures during the current economic situation. <br /> <br /> Everyone is tightening their belts, both customers and consumers. Imagine the consequences if no one wanted to purchase goods other than the essentials. What will happen to the restaurant industry? What will happen to the retail industry, particularly those marketing electronics and those gadgets that people can manage without? </p> <div class="article hreview"> <div class="description"> <div> <p>It's not just a matter of reducing expenses. Small businesses need to survive and compete with the lower prices that are offered by their competitors--and good cash management is a must. <br /> <br /> Here are some tips to help you to save money and manage your business and cash flow. These will also help individuals to better manage their home expenses. <br /> <br /> <span class="m-color-blue-01" style="font-weight: bold;">1. Energy Consumption </span><br /> Electricity is an expense we can't avoid, but if you are able to keep your energy consumption lower than normal, you can save a fair amount of money. One way to save energy is through the use of laptop computers. Sure, they can be more expensive than desktop computers, but imagine the great savings you'll get when it comes to energy consumption. A laptop or notebook computer consumes around 90 percent less energy than desktop computers. Most small businesses use computers, and if these are replaced with laptops when the time comes, energy expenditure will be less. The more computers your business uses, the more money you will save. <br /> <br /> <span class="m-color-blue-01" style="font-weight: bold;">2. Telephone Costs </span><br /> The telephone is essential to all small businesses, and many use mobile as well as land lines. Check up on your monthly plan and negotiate a better deal. As competition is increasing, many businesses are stuck on a deal they started off with, and if they renegotiate they can save a lot of money. Use mobiles only where necessary since they are significantly more expensive to use than land lines. Good cash management involves keeping a close eye on communications costs, especially those that are non-essential. <br /> <br /> If you use multiple telephone lines in your business, consider VOIP as an alternative. This can allow you to make huge savings, particularly if you have more than one location for your business. Also, Skype offers a completely free service between Skype users, and it is less expensive than normal to phone non-Skype users. <br /> <br /> <span class="m-color-blue-01" style="font-weight: bold;">3. Save on Your Ink <br /> </span>Ink for printers can be another expensive item, particularly when calculated over a year. Try to go paperless and print only what is essential. Use recycled cartridges or buy in bulk to save money. Printer sharing on a network can save on the cost of the hardware and also on ink! </p> <strong>4. Save on Lighting<br /> &nbsp;</strong>Most people turn off the lights in their homes when they leave the room, but strangely they rarely do so at work. Make a point of doing so. Switching to energy-efficient light bulbs can save a lot of money over a year. <br /> <br /> <strong>5. Use the Internet </strong><br /> Small businesses should use the internet as much as possible. It is amazing how many tasks can be carried out online, including business calls, sales calls, online business conferencing, video conferencing, live meetings, instant messaging, seminars and so on. <br /> <br /> Owning a small business involves almost constant communication with customers, suppliers and other employees. This can be expensive, particularly if it involves travel. It is just as easy to communicate online as by telephone, and video conference is cheaper than a transatlantic flight! Online seminars can be arranged for training purposes, and advertising costs can be slashed through online advertising. Websites are becoming easier and cheaper to put up with every day that passes. The internet offers many opportunities for you to improve your cash management and improve your overall cash flow. <br /> <br /> <strong>6. Assess your Office Space<br /> </strong>Perhaps you have too much office space and you can afford to let some of it out until you have expanded enough to need it. If you are renting, share the rent with another small business that only needs a desk or two. <br /> <br /> <strong>7. Buy in Bulk </strong><br /> A lot depends on your cash flow situation, but it is sometimes cheaper to purchase office items on a quarterly rather than a weekly or monthly basis. This is particularly true if bulk discounts overcome the problem of tying up your capital in stock. You will save on delivery charges, but make sure that you budget the use of such supplies, since there is sometimes a temptation to use more materials or supplies when stocks are higher than normal. <br /> <br /> <strong><em><span style="color: #953734;">Let Cliff Cottam Insurance help you to assess your business&nbsp;insurance needs.&nbsp; Find out if we can save you money or&nbsp; review&nbsp;your current business&nbsp;insurance.&nbsp;&nbsp;<a href="/contact.aspx">Contact us </a>for at (800) 807-6871 for a free consultation.&nbsp;&nbsp;Or, just click <a href="/business/general_liability_quote.aspx">General&nbsp; Liability Quote </a>to make your request&nbsp;online!</span></em></strong><br /> </div> </div> </div>urn:uuid:ccf716d8-13e3-4f29-beac-deaaaaa4c9a5<img src='http://www.ccisca.com/img/~www.ccisca.com/Harley%20Motorcycle.jpg' align='left' /> &nbsp;As the nice weather begins, Cliff Cottam Insurance&nbsp;want to remind drivers and motorcyclists to be careful when sharing the roads.&nbsp;&nbsp;This article from Ezine Articles&nbsp;lists statistics and scenarios to&nbsp;keep in mind&nbsp;w...Wed, 30 Mar 2011 13:01:25 -0500<div style="overflow: hidden;"> <div id="body"><img alt="" style="width: 235px; height: 127px;" src="/img/~www.ccisca.com/Harley%20Motorcycle.jpg" /> <p>&nbsp;As the nice weather begins, Cliff Cottam Insurance&nbsp;want to remind <strong><em>drivers and motorcyclists to be careful when sharing the roads.&nbsp;&nbsp;T</em></strong>his article from Ezine Articles&nbsp;lists statistics and scenarios to&nbsp;keep in mind&nbsp;when&nbsp;driving a car or motorcyle.&nbsp;&nbsp;</p> <p>The allure of a motorcycle is undeniable. The feeling of open air, the scenery, the camaraderie with other bikers all come together to create a sense of freedom and adventure. Everything about it is just so cool and fun and exciting-except if you or another biker gets into a motorcycle accident.</p> <p>Then, things can get tough for awhile while you heal or take care of your friends and try to make sure everything works out for the best. Some bikers think they don't have much recourse after an accident. It's part of life on the highways, they think, but you have a right to a personal injury claim as much as anyone else who is a victim of negligence.</p> <p>Motorcycle accidents happen in startling numbers. Make sure you're protecting your rights to ride if you get in an accident.&nbsp;</p> <ul> <li>75% of motorcycle accidents involve collision with another vehicle, where failure of motorists to recognize motorcycles is the leading cause. </li> <li>In single vehicle accidents caused by motorcycle error, slideouts due to overbraking are the main cause-but the motorists still fail to react responsibly to the slideouts and are usually still negligent. </li> <li>The main behavior in motorist negligence against a motorcycle is making a left-hand turn while the motorcyclist is driving straight. </li> <li>Weather is a factor in only approximately 2% of accidents involving motorcycles. </li> <li>The median pre-crash speed in a motorcycle accident is 29 MPH. This is not an unsafe speed as long as it is lawful for the road. </li> <li>Almost half of fatal accidents involve alcohol. The majority of these accidents show considerable collision avoidance, including failure to brake, overbraking, or lack of ability to countersteer. Don't drink and ride! </li> <li>Large displacement motorcycles are underrepresented in accident data, but when they are in collisions, the damage is much worse. </li> <li>Safety helmets are the most critical factor in preventing death in an accident. </li> <li>Helmeted riders show less injury to the head, neck, and spine. Only 4 minor injuries from 2001 on are recorded by the National Highway Safety Transportation Administration. </li> </ul> <p>&nbsp;Ride safe, so you can keep riding!&nbsp; Article Source: http://EzineArticles.com/3892590<br /> <strong><em><span style="color: #953734;"><br /> Your team at </span></em></strong><a href="/contact.aspx"><strong><em>Cliff Cottam Insurance Services </em></strong></a><strong><em><span style="color: #953734;">will be more than happy to&nbsp;answer questions and help you with your </span><a href="/motorcycle/insurance_quote.aspx">motorcycle insurance coverage</a>.&nbsp; (800) 807-6871</em></strong></p> </div> </div>urn:uuid:0587372c-dd97-45bb-8f47-166bebacb7d3 This article provides guidelines and phone numbers so consumers can check out contractors before they begin&nbsp;making&nbsp;home repairs.&nbsp;&nbsp;&nbsp;&nbsp; By Claudia Buck cbuck@sacbee.com Downed trees. Leaking roofs. Broken gutters. Blown-...Tue, 29 Mar 2011 17:04:23 -0500<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <div class="byline author vcard"><strong><em><span style="color: #953734;">This article provides guidelines and phone numbers so consumers can check out contractors <span style="text-decoration: underline;">before</span> they begin&nbsp;making&nbsp;home repairs.&nbsp;&nbsp;&nbsp;&nbsp;<br /> <br /> </span></em></strong>By Claudia Buck<br /> <a href="mailto:cbuck@sacbee.com">cbuck@sacbee.com</a> </div> <p>Downed trees. Leaking roofs. Broken gutters. Blown-over fences. Across the region, homes, yards and businesses took a beating during the past weeks' flood of storms.</p> <p>The heavy rains also created another kind of deluge: hurried calls to repair companies, everyone from roofers and tree removers to fence builders and general contractors.</p> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>"We've been hit hard the last four days: trees breaking on lawns, trees breaking on patios, trees breaking on houses. In the past week, it's tripled our calls," said <a href="http://topics.sacbee.com/Terry+Stevens/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FTerry%2BStevens%2F">Terry Stevens,</a> general manager of <a href="http://topics.sacbee.com/Tree+Tech+Services/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FTree%2BTech%2BServices%2F">Tree Tech Services</a> in <a href="http://topics.sacbee.com/Sacramento/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FSacramento%2F">Sacramento.</a> </p> <p>At All About Gutters in <a href="http://topics.sacbee.com/Auburn/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FAuburn%2F">Auburn,</a> spokeswoman <a href="http://topics.sacbee.com/Michele+Neeb/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FMichele%2BNeeb%2F">Michele Neeb</a> said service calls always spike the week after a storm, when homeowners go outside to assess the damage. "Most people wait till after a storm passes, then we get a flood of calls."</p> <p>And given all the rain-delayed work that couldn't get started in recent weeks, Monday's sunny skies were a chance to start getting caught up with postponed jobs.</p> <p>"We're playing catch-up," said Neeb, who's been re-booking delayed jobs and scheduling new repair work. </p> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>For companies whose work is primarily outdoors, stormy weather is a two-edged sword, said <a href="http://topics.sacbee.com/Dave+Zimmerman/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FDave%2BZimmerman%2F">Dave Zimmerman,</a> owner of Zimmerman Re-Roofing Inc. in <a href="http://topics.sacbee.com/Sacramento/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">Sacramento.</a> "When it's raining, we can't work, so it hurts business. But in the long run, storms lead to roof leaks and you get lots more calls for repairs."</p> <p>Before making those calls, dozens of savvy consumers are doing their homework, checking the licensing credentials of contractors and home repair people.</p> <p>Last Thursday, when rainfall and high winds walloped the area, a record number of inquiries flooded into the local Better Business Bureau office in <a href="http://topics.sacbee.com/West+Sacramento/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FWest%2BSacramento%2F">West Sacramento.</a> It logged 1,020 calls and online hits in one day, for lookups of contractors or companies handling repairs or removal of roofs, fences, gutters, awnings/patios and trees, said <a href="http://topics.sacbee.com/BBB/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FBBB%2F">BBB</a> spokeswoman <a href="http://topics.sacbee.com/Katie+Robison/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FKatie%2BRobison%2F">Katie Robison.</a></p> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>"It's astonishing. We had more inquiries in one day than we had the entire previous week" for those types of repair services, Robison said. "We're grateful people actually looked up or called about contractors before hiring them to get the work done."</p> <p>The <a href="http://topics.sacbee.com/BBB/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">BBB</a> advises consumers to check a company's complaint history and overall rating before getting bids or hiring for repair work. To check a company, call the <a href="http://topics.sacbee.com/BBB/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">BBB</a> at (916) 443-6843 or go to the website, <a href="http://www.necal.bbb.org" target="_blank">www.necal.bbb.org</a>.</p> <p>Similarly, the <a href="http://topics.sacbee.com/Contractors+State+License+Board/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FContractors%2BState%2BLicense%2BBoard%2F">Contractors State License Board</a> also saw a spike in license searches for contractors and home improvement salespeople. Last week, as the rain poured down, the <a href="http://topics.sacbee.com/CSLB/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FCSLB%2F">CSLB's</a> website averaged 65,000 license checks a day, compared with 55,000 daily hits the prior week.</p> <p>"We urge consumers to be really careful. Before they call anybody, check the contractor's license so they don't bring someone out to the house who's not licensed," said <a href="http://topics.sacbee.com/CSLB/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">CSLB</a> spokesman <a href="http://topics.sacbee.com/Rick+Lopes/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FRick%2BLopes%2F">Rick Lopes</a></p> Read more: <a href="http://www.sacbee.com/2011/03/29/3510564/after-the-rains-a-new-deluge-of.html#ixzz1I1nXJHd6" style="color: #003399;">http://www.sacbee.com/2011/03/29/3510564/after-the-rains-a-new-deluge-of.html#ixzz1I1nXJHd6</a><br /> <br /> <strong><em><span style="color: #953734;">Cliff Cottam Insurance Services is your local independent agency, specializing in personal products such as&nbsp;<a href="/homeowners/default.aspx">homeowners</a>&nbsp; and&nbsp;<a href="/automobile/default.aspx">auto insurance</a>.&nbsp;&nbsp;You will receive a multiple discount&nbsp;if we insure your auto and home (owned or rented).&nbsp;&nbsp;Let us find out if we can save you money today.&nbsp; Give us a call at (800) 807-6871.<br /> </span></em></strong></div> <br /> <br /> </div> </div> </div>urn:uuid:346c267e-075b-4b9f-98b6-132258fcfb8c By CLAUDIA BUCK McClatchy Newspapers The frightening images of Japan's tsunami wiping out homes, roads and entire cities are vivid reminders that a natural disaster can strike at any time. And whether it's an earthquake, a wildfire or flooding, bei...Mon, 28 Mar 2011 19:27:05 -0500<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <div class="byline author vcard">By CLAUDIA BUCK<br /> McClatchy Newspapers </div> <p>The frightening images of Japan's <a href="http://topics.sacbee.com/tsunami/" class=" lingo_link" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Ftsunami%2F">tsunami</a> wiping out homes, roads and entire cities are vivid reminders that a natural disaster can strike at any time.</p> <p>And whether it's an earthquake, a wildfire or flooding, being covered against severe damage to your home or business is essential.</p> <p>Across the United States, flooding is the No. 1 natural disaster, according to the <a href="http://topics.sacbee.com/Federal+Emergency+Management+Agency/" class=" lingo_link" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FFederal%2BEmergency%2BManagement%2BAgency%2F">Federal Emergency Management Agency.</a> </p> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>And given the region's swollen rivers and the promise of heavy runoff this spring from melting snow, now's a good time to assess how well you're protected against flooding.</p> <p>A basic homeowner's or business insurance policy will cover damage caused by storms, such as a leaky roof, fallen tree limbs or broken pipes.&nbsp; <br /> <br /> But a homeowner's policy typically does not cover damage due to flooding, or what's known as "rising water."</p> <p>Flooding - such as a levee break, a river overflowing its banks or water from springtime snow melt - is generally defined as a temporary inundation of normally dry land. For that type of coverage, you need a separate flood policy, which is provided by the federal government's National <a href="http://topics.sacbee.com/Flood+insurance/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FFlood%2Binsurance%2F">Flood Insurance</a> Program and purchased through a local insurance agent.</p> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>"The distinction is that <a href="http://topics.sacbee.com/homeowner%27s+insurance/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Fhomeowner%2527s%2Binsurance%2F">homeowner's insurance</a> covers water falling from the sky; <a href="http://topics.sacbee.com/Flood+insurance/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">flood insurance</a> covers water rising from the ground," said Tully Lehman, spokesman for the nonprofit Insurance Information Network of California.</p> Read more: <a href="http://www.sacbee.com/2011/03/21/3492645/how-well-are-you-insured-against.html#ixzz1HwWjTuwz" style="color: #003399;">http://www.sacbee.com/2011/03/21/3492645/how-well-are-you-insured-against.html#ixzz1HwWjTuwz</a><br /> <br /> <strong><em><span style="color: #953734;">&nbsp;<br /> <a href="/contact.aspx">Contact</a> Cliff Cottam Insurance Services to make sure your home and contents are covered.&nbsp;&nbsp;You can also complete our online <a href="/flood/insurance_quote.aspx">Flood&nbsp;Quote </a>form.&nbsp; Policies&nbsp;take 30 days to become effective, so don't wait!&nbsp; Call us at (800)&nbsp; 807-6871.<br /> </span></em></strong></div> </div> </div>urn:uuid:93ee17ab-1436-40b6-a6db-b9ec3118b288<img src='http://l.yimg.com/a/i/us/re/gr/kitchenpaint_lafamilia_v2.jpg' align='left' />With the onset of Spring, many people want to make improvements to their homes.&nbsp; Here are some great ideas that you may want to try!&nbsp; To see more photos and&nbsp;a full description click http://realestate.yahoo.com/promo/improving-your-home...Mon, 28 Mar 2011 14:56:41 -0500<p><strong><em><span style="color: #953734;">With the onset of Spring, many people want to make improvements to their homes.&nbsp; Here are some great ideas that you may want to try!&nbsp; To see more photos and&nbsp;a full description click <a href="http://realestate.yahoo.com/promo/improving-your-home-for-1000-or-less.html">http://realestate.yahoo.com/promo/improving-your-home-for-1000-or-less.html</a><br /> </span></em></strong><br /> <strong>By Pat Mertz Esswein, Kiplinger.com <br /> </strong><strong>Mar 25, 2011 </strong></p> <p style="text-align: center;"><img alt="" style="width: 261px; height: 150px;" src="http://l.yimg.com/a/i/us/re/gr/kitchenpaint_lafamilia_v2.jpg" /><img alt="" style="width: 267px; height: 150px;" src="http://l.yimg.com/a/i/us/re/gr/home-garage_v2.jpg" /><br /> <br /> <br /> <img alt="" style="width: 150px; height: 191px;" src="http://l.yimg.com/a/i/us/re/gr/officenookadamselwood.jpg" /></p> <p class="author"><strong>Make Over Cabinets, $1,000<br /> </strong>Give your dowdy kitchen cabinetry a lift with paint and new hardware. Proper preparation -- cleaning, sanding, priming and painting with an oil-based or 100% acrylic paint -- is key to a good-looking, long-lasting result. Using a paint sprayer helps, too (rent one from a paint or home-improvement store). Pros charge an average of $547 to do the job with one coat of paint on 150 square feet of base and wall-hung wood cabinets, according to Do It Yourself or Not (www.diyornot.com).</p> <p>Give your dowdy kitchen cabinetry a lift with paint and new hardware. Proper preparation -- cleaning, sanding, priming and painting with an oil-based or 100% acrylic paint -- is key to a good-looking, long-lasting result. Using a paint sprayer helps, too (rent one from a paint or home-improvement store). Pros charge an average of $547 to do the job with one coat of paint on 150 square feet of base and wall-hung wood cabinets, according to Do It Yourself or Not (www.diyornot.com).</p> <p><strong>Create An Office Nook, $250</strong><br /> Don't have an entire room to make into a dedicated home office? Create an office nook by redoing a corner of a room or repurposing a closet. If you use a closet, first remove existing shelves and the hanging pole, then paint.</p> <p><strong>Reclaim Your Garage, $1,000</strong><br /> Many homeowners have a no-car garage because it's so full of stuff that there's no room to park a vehicle. Look for a slatwall system that uses molded plastic panels with slots from which you can hang hooks, shelves and baskets. Fasten the panels to your garage walls via one of several methods, such as drywall screws into studs.</p> <p><strong>Organize Your Closet, $500</strong><br /> Has your closet become an avalanche waiting to happen? You need a closet organizer. First, empty the closet and decide what to keep, toss, donate, consign or sell. Once you know what stays, you can pick a system accordingly.<br /> <br /> <strong><em><span style="color: #953734;">If you are looking for<a href="/homeowners/insurance_quote.aspx">&nbsp;home</a> or&nbsp;<a href="/renters/insurance_quote.aspx">renters</a> insurance, or would like to review your current coverage and costs,&nbsp;<a href="/contact.aspx">contact Cliff Cottam Insurance</a> for a free consultation.&nbsp;&nbsp;As independent agency, we can shop all the top insurance&nbsp;companies to find you the best rates!&nbsp; <span class="skype_v3_tb_injection" id="softomate_v3_highlight_0" title="Call this phone number in United States of America with Skype: +18008076871" skypeid="0" skypeaction="call" fwidth=".w16" type=".flex" mode=".compat" path="file://C:/Users/ISABEL~1.CCI/AppData/Local/Temp/Low/__SkypeIEToolbar_Cache/e70d95847a8f5723cfca6b3fd9946506/static/" durex2="%DADDYHEIGHT%" durex="%DADDYWIDTH%" context="(800) 807-6871"><span class="skype_v3_tb_imgA" id="skype_v3_tb_img_f0" title="Skype actions" style="background-image: url(file://c:/users/isabel~1.cci/appdata/local/temp/low/__skypeietoolbar_cache/e70d95847a8f5723cfca6b3fd9946506/static/famfamfam/us.gif);" skypeid="0" skypeaction="drop" skypesms="0"></span><span class="skype_v3_tb_imgS" id="skype_v3_tb_img_s0" style="background-image: url(file://c:/users/isabel~1.cci/appdata/local/temp/low/__skypeietoolbar_cache/e70d95847a8f5723cfca6b3fd9946506/static/inactive_s.flex.compat.gif);"></span><span class="skype_v3_tb_injectionIn" id="skype_v3_tb_innerText0" style="background-image: url(file://c:/users/isabel~1.cci/appdata/local/temp/low/__skypeietoolbar_cache/e70d95847a8f5723cfca6b3fd9946506/static/inactive_m.compat.gif);">&nbsp;(800)&nbsp;807-6871&nbsp;</span><span class="skype_v3_tb_imgR" id="skype_v3_tb_img_r0" style="background-image: url(file://c:/users/isabel~1.cci/appdata/local/temp/low/__skypeietoolbar_cache/e70d95847a8f5723cfca6b3fd9946506/static/inactive_r.compat.gif);"></span></span> <span class="skype_v3_tb_injection_print" id="softomate_v3_print_0">(800)&nbsp;807-6871</span> .&nbsp; </span></em></strong></p>urn:uuid:18c33a49-fd85-411a-b22a-6bbe320cadff Here is a list of household&nbsp;items that you should have at home in the event of&nbsp;an emergency. Public safety agencies recommend residents put together emergency supply kits, which can come in handy in the event of floods, fires or extended...Fri, 25 Mar 2011 16:57:33 -0500<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"><b> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"><span style="color: #953734;"><em>Here is a list of household&nbsp;items that you should have at home in the event of&nbsp;an emergency. <br /> <br /> </em></span>Public safety agencies recommend residents put together <a href="http://topics.sacbee.com/emergency+supply+kits/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Femergency%2Bsupply%2Bkits%2F">emergency supply kits,</a> which can come in handy in the event of floods, fires or extended <a href="http://topics.sacbee.com/power+outages/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Fpower%2Boutages%2F">power outages:</a> <br /> <br /> What you need to prepare for a flood: <br /> <br /> </div> The essentials:</b> <br /> <br /> &bull; Water: one gallon per person per day. A week's supply is recommended.<br /> &bull; Food: ready-to-eat canned meats, fruits and vegetables, canned juices, milk, soup (if powdered, store extra water)<br /> &bull; Nonelectric can opener<br /> &bull; Portable radio, flashlight, spare batteries<br /> &bull; Essential medications<br /> &bull; Candles, matches<br /> &bull; Cash and change<br /> &bull; Baby supplies: formula, bottle, pacifier, soap and baby powder, clothing, blankets, <a href="http://topics.sacbee.com/baby+wipes/" class=" lingo_link" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Fbaby%2Bwipes%2F">baby wipes,</a> disposable diapers, canned food and juices<br /> &bull; Important papers: <a href="http://topics.sacbee.com/insurance+policies/" class=" lingo_link" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Finsurance%2Bpolicies%2F">insurance policies,</a> copies of Social Security cards and birth certificates in a waterproof container<br /> &bull; Pet supplies: food, carrier, leash <br /> <br /> <b>Other items:</b> <br /> <br /> &bull; Cooking and eating utensils<br /> &bull; Sanitation supplies, including household bleach, toilet paper and bar soap<br /> &bull; Change of clothing and sturdy shoes<br /> &bull; Blankets, sleeping bags, <a href="http://topics.sacbee.com/rain+gear/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Frain%2Bgear%2F">rain gear</a><br /> &bull; Tools and supplies, including shovel, ax, broom, screwdriver, pliers, hammer, and plastic or duct tape <br /> <br /> For information on <a href="http://topics.sacbee.com/power+outages/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">power outages</a> and safety during storms: <br /> <br /> &bull; Sacramento Municipal Utility District customers should check <a href="http://www.smud.org" target="_blank">www.smud.org</a>; search under "Customer Safety."<br /> &bull; Pacific Gas and Electric customers should check <a href="http://www.pge.com" target="_blank">www.pge.com</a>, search under "Storms, Outages and Safety." <br /> <br /> Read more: <a href="http://www.sacbee.com/2011/03/22/3495618/be-prepared-for-emergencies.html#ixzz1HeMYB3Hk" style="color: #003399;">http://www.sacbee.com/2011/03/22/3495618/be-prepared-for-emergencies.html#ixzz1HeMYB3Hk</a><br /> <br /> <em><strong><span style="color: #953734;">If you are in a flood zone, make sure you have Flood Insurance.&nbsp; This coverage in not provided&nbsp;in your Homeowners Policy.&nbsp; For areas that are not in a flood zone, but would like flood protection, the cost is about $300 per year.&nbsp; If you have any questions about your insurance, <a href="/contact.aspx">contact us </a>at (800) 807-6871.&nbsp; We would be happy to discuss all of your options.&nbsp; <br /> </span></strong></em></div>urn:uuid:24bca4f3-68f9-48b8-9035-3718e609dc3bMost people believe that their personal belongings are covered under their homeowners policy&nbsp;in any situation.&nbsp; Often, it is&nbsp;only when a loss occurs, that they find out differently.&nbsp; And, when they do, they are understandably upse...Thu, 24 Mar 2011 17:38:34 -0500<p style="text-align: left;"><strong><em><span style="color: #953734;">Most people believe that their personal belongings are covered under their homeowners policy&nbsp;in any situation.&nbsp; <em>Often, it is&nbsp;only when a loss occurs, that they find out differently.&nbsp; And, when they do, they are understandably upset.&nbsp; If you have a basement, you need to read&nbsp;this</em> article from Fidelity Insurance.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br /> <br /> </span></em>Seepage-Yes!<br /> </strong>Many homes may experience seepage into their basements after a season of snow or rain with ground saturation even though flood waters themselves did not enter the home. Damage caused by seepage, sewer backup, and hydrostatic pressure is covered by the Standard Flood Insurance Policy:</p> Many homes may experience seepage into their basements after a season of snow or rain with ground saturation even though flood waters themselves did not enter the home. Damage caused by seepage, sewer backup, and hydrostatic pressure is covered by the Standard Flood Insurance Policy: <ul> <li>when there is a flood in an area, </li> <li>when a flood is the cause of the seepage, sewer backup and hydrostatic pressure </li> <li>when the basement meets the minimum standards of the NFIP </li> </ul> <p style="text-align: left;">.A flood is defined as a general or temporary condition of partial or complete inundation of two or more acres of normally dry land or two or more properties (at least one of which is your property). A street may be considered a property when homes are not located within a reasonable distance from each other.<br /> <br /> <strong>Basements:<br /> </strong>A basement is any area of a building having its floor below ground level on ALL sides. Flood insurance coverage is limited in basements. Damage in a basement may not be covered by flood insurance if it does not comply with the minimum standards of the National Flood Insurance Program.</p> A basement is any area of a building having its floor below ground level on ALL sides. Flood insurance coverage is limited in basements. Damage in a basement may not be covered by flood insurance if it does not comply with the minimum standards of the National Flood Insurance Program.<strong> </strong> <p style="text-align: left;"><strong>Basements-Yes!<br /> </strong>In a basement, <strong>building property</strong> coverage includes some mechanical items necessary for running the house such as a boiler, furnace, or water heater, and also items such as unfinished drywall for walls and ceilings, floor, nonflammable insulation, stairways and staircases attached to the building and clean-up. <strong>Personal property</strong> is a separate coverage from the building property coverage. In a basement, coverage includes air conditioning units, portable or window type, clothes washers and dryers, food freezers, other than walk in, and the food in any freezer.</p> In a basement, coverage includes some mechanical items necessary for running the house such as a boiler, furnace, or water heater, and also items such as unfinished drywall for walls and ceilings, floor, nonflammable insulation, stairways and staircases attached to the building and clean-up. is a separate coverage from the building property coverage. In a basement, coverage includes air conditioning units, portable or window type, clothes washers and dryers, food freezers, other than walk in, and the food in any freezer.<strong> </strong> <p style="text-align: left;"><strong>What is not Covered:<br /> </strong>Other personal items such as couches, chairs, televisions, carpet, beds and other items not listed above are NOT covered in a basement<strong>.&nbsp;&nbsp;<br /> <br /> </strong><em><strong><span style="color: #953734;">During this stormy weather make sure you are protected!</span>&nbsp; </strong></em><a href="https://www.insurancewebsitebuilder.com/contact.aspx"><em><strong>Contact us </strong></em></a><em><strong><span style="color: #953734;">to go over your insurance plan today!&nbsp; (800) 807-6871&nbsp;&nbsp;&nbsp;</span></strong></em></p>urn:uuid:23acd413-5fe5-479d-bd6b-3629d58e5a35<img src='http://www.ccisca.com/img/~www.ccisca.com/balloons.jpg' align='left' />What's happening at Cliff Cottam Insurance?&nbsp; We have&nbsp;just extended our CCIS Gift Card Giveaway!&nbsp;You can win a $20 Starbucks or iTunes card by entering our sweepstakes again, or for the first time!&nbsp; To enter just like us on faceb...Thu, 24 Mar 2011 14:58:06 -0500What's happening at Cliff Cottam Insurance?&nbsp; We have&nbsp;just extended our CCIS Gift Card Giveaway!&nbsp;You can win a $20 Starbucks or iTunes card by entering our sweepstakes again, or for the first time!&nbsp; <br /> <br /> To enter just like us on facebook.&nbsp;&nbsp;You can easily add $5 more to your card by&nbsp;taking our Trivia Quiz.&nbsp; To enter just visit our website at <a href="http://www.ccisca.com">www.ccisca.com</a> and click on Sweepstakes.&nbsp;&nbsp;The winner will be randomly selected&nbsp;April 13, 2011.&nbsp;&nbsp;&nbsp;<br /> <br /> <span style="color: #953734;"><strong><em>While your visiting us, why not let us go over your insurance needs.&nbsp; We know which&nbsp;insurance companies will fit your personal auto, home or business situation.&nbsp; This is our business and&nbsp;we&nbsp;know all the ins and outs of the confusing insurance world.&nbsp; If you can save money and keep the same coverage, why not give&nbsp;us a call today!</em></strong>&nbsp; <span style="color: #000000; font-size: 13px;"><strong>(800) 807-6871<br /> </strong></span><em><strong><br /> Just a note, that the cheap insurance advertisements you often see&nbsp;- - such as "Get Auto insurance for $39 per month" are generally&nbsp;the lowest limits, minimum insurance protection with&nbsp;discounts applied that you may not be qualified to receive.</strong></em></span>&nbsp;&nbsp;<br /> <br /> <p style="text-align: center;"><img alt="" style="width: 177px; height: 250px; vertical-align: middle;" src="/img/~www.ccisca.com/balloons.jpg" /></p>urn:uuid:db4e3b6c-7139-46b7-bd80-d5f7aac6c3a9Heartbreaking images of homes being washed away in Japan&rsquo;s deadly tsunami this month were a very visual reminder of just how destructive a disaster can be. While homeowner&rsquo;s insurance is important to have in the face of disaster, the real...Thu, 24 Mar 2011 11:23:15 -0500<p style="font-size: 14px;" jQuery1300983165828="118" sizset="6" sizcache="23">Heartbreaking images of homes being washed away in Japan&rsquo;s deadly tsunami this month were a very visual reminder of just how destructive a disaster can be. While homeowner&rsquo;s <a href="#" class="kLink" id="KonaLink0" style="position: static; text-decoration: underline !important;" jQuery1300983168421="5">insurance</a> is important to have in the face of disaster, the reality is that it only protects your home from windstorm damage&mdash;leaving it vulnerable to other major catastrophes like earthquakes and flooding.</p> <p style="font-size: 14px;" jQuery1300983165828="119" sizset="7" sizcache="23">Loretta Worters, vice president of the <a href="http://www.iii.org" target="_blank">Insurance Information Institute</a>, said nearly 98% of U.S. homeowners have the standard homeowner&rsquo;s insurance coverage that is necessary to have when paying back a mortgage. Homeowners can purchase flood coverage separately through the National Flood <a href="#" class="kLink" id="KonaLink1" style="position: static; text-decoration: underline !important;" jQuery1300983168421="4">Insurance Program</a>, which protects homes for up to $250,000 externally and up to $100,000 for the contents. Worters said excess flood insurance for more expensive homes can be purchased on the regular market.</p> <p style="font-size: 14px;" jQuery1300983165828="120">Depending on a homeowner&rsquo;s location in the country, earthquake policies can also be purchased separately. The only type of disaster that is not covered by insurance is nuclear disaster, she said.</p> <p style="font-size: 14px;" jQuery1300983165828="121" sizset="9" sizcache="23">&ldquo;Nuclear is like war, and they can&rsquo;t <a href="#" class="kLink" id="KonaLink2" style="position: static; text-decoration: underline !important;" jQuery1300983168421="3">insure</a> a home for war,&rdquo; she said. &ldquo;It&rsquo;s not anyone&rsquo;s fault.&rdquo;</p> <p style="font-size: 14px;" jQuery1300983165828="122">Many homeowners opt to not get disaster coverage in addition to their homeowners&rsquo; policies, Worrters said. Only about 12% of homes in flood-prone areas have flood coverage nationwide, she said, and in earthquake-prone California the same percentage of homeowners buy earthquake insurance.&nbsp; Read more: <a href="http://www.foxbusiness.com/personal-finance/2011/03/21/disaster-coverage-homeowners-insurance/">http://www.foxbusiness.com/personal-finance/2011/03/21/disaster-coverage-homeowners-insurance/</a><br /> <br /> <strong><em><span style="color: #953734;">If you would like to find out if you need to add coverage to your homeowner's policy,</span></em></strong> <a href="/contact.aspx"><em><strong>Contact us </strong></em></a><em><strong>at (800) 807-6871 today!&nbsp; <span style="color: #953734;">For people who are not in the flood zone the average cost is about $300 per year.</span></strong></em></p>urn:uuid:78ff451f-c1d9-4688-970f-6a730609ef6eWe found this great article at&nbsp;www.&nbsp;LearnAboutAg.org.&nbsp; It&nbsp;makes&nbsp;you pause to think and be grateful for the our farmers and how agriculture is an essential part of our lives.&nbsp; Farmers feed our nation and the world,&nbsp; ...Wed, 23 Mar 2011 14:33:01 -0500<p style="text-align: left;"><em><span style="color: #953734;"><strong>We found this great article at&nbsp;www.&nbsp;LearnAboutAg.org</strong></span></em><strong><em><span style="color: #953734;">.&nbsp; It&nbsp;makes&nbsp;you pause to think and be grateful for the our farmers and how agriculture is an essential part of our lives.&nbsp; Farmers feed our nation and the world,&nbsp; but they are all local to somewhere.&nbsp; Get to know your local farmers, get to know your food, and don't forget to say thank you!"<br /> </span></em><br /> Have you ever stopped to think about where your lunch comes from? Not the cafeteria or your refrigerator at home, but where it really comes from? Your apples and grapes? Your chicken and string cheese? Have you ever wondered where the clothes that you are wearing came from before they were bought at the store? What is your t-shirt made of? Your sweater? Your favorite pair of jeans?&nbsp; What about the paper you write on, the books you read, and the room you&rsquo;re sitting in? All of these things have one thing in common&mdash;they were produced with care by a farmer!</strong></p> <strong>Have you ever stopped to think about where your lunch comes from? Not the cafeteria or your refrigerator at home, but where it really comes from? Your apples and grapes? Your chicken and string cheese? Have you ever wondered where the clothes that you are wearing came from before they were bought at the store? What is your t-shirt made of? Your sweater? Your favorite pair of jeans?&nbsp; What about the paper you write on, the books you read, and the room you&rsquo;re sitting in? All of these things have one thing in common&mdash;they were produced with care by a farmer! </strong> <p style="text-align: left;"><strong>Farming sure has changed over the past century! Today&rsquo;s farmer feeds more than eight times as many people as they did 50 ears ago. One farmer can feed 155 people around the world! Farmers can be men or women, young or old, representing a wide variety of ethnic groups. Farmers use progressive technology to make sure agriculture products are getting to you fast, fresh, and safe. Today&rsquo;s farmer may even use social media tools to communicate with consumers and market their products. Farmers take on many different roles on the farm, often filling in as accountant, doctor, conservationist, researcher and so much more.&nbsp;<br /> </strong><br /> <em><strong><span style="color: #953734;">If you need a farmers insurance policy or a review of your old one, contact Cliff Cottam Insurance&nbsp;at (800) 807-6871 today!&nbsp; Or, complete or online</span> </strong></em><a href="/farm/insurance_quote.aspx"><em><strong>Farmers Quote</strong></em> </a><strong><em><span style="color: #953734;">form.&nbsp;&nbsp;</span></em></strong></p>urn:uuid:7593a592-24f2-412f-a7c0-3779d0d8e991 The nation's largest organization of pediatricians is telling its members and parents that children riding in cars should remain in rear-facing child safety seats until at least their second birthday and preferably even longer. This reverses advice ...Tue, 22 Mar 2011 19:02:25 -0500<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>The nation's largest organization of pediatricians is telling its members and parents that children riding in cars should remain in rear-facing <a href="http://topics.sacbee.com/child+safety+seats/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Fchild%2Bsafety%2Bseats%2F">child safety seats</a> until at least their second birthday and preferably even longer.</p> <p>This reverses advice many pediatricians gave parents for years that children's <a href="http://topics.sacbee.com/car+seats/" class=" lingo_link" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Fcar%2Bseats%2F">car seats</a> should be turned around shortly after their first birthday.</p> <p>The new policy from the <a href="http://topics.sacbee.com/American+Academy+of+Pediatrics/" class=" lingo_link" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FAmerican%2BAcademy%2Bof%2BPediatrics%2F">American Academy of Pediatrics,</a> published Monday in the Pediatrics medical journal, is buoyed by research that shows children younger than 2 are 75 percent less likely to die or be severely injured in a crash if they are in a rear-facing child restraint. </p> <p>Equally important, the academy now recommends that children remain in a seat with a five-point safety harness as long as possible and should only transition to a booster seat that relies on the car's adult <a href="http://topics.sacbee.com/seat+belts/" class=" lingo_link" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Fseat%2Bbelts%2F">seat belts</a> when children exceed the height and weight limit for the five-point harness.</p> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>Five-point harnesses, which run across children's shoulders and hips and buckle between their legs, provide more protection than a car's seat belts because they distribute the crash forces evenly over the strong, bony parts of a child's body.</p> <p>The pediatricians also recommend that children remain in booster seats until they are 4 feet 9 inches tall - a height most kids don't reach until they are between 8 and 12 years old.&nbsp; Read more: <a href="http://www.sacbee.com/2011/03/21/3494111/an-about-face-on-front-facing.html#ixzz1HNMiqk6F" style="color: #003399;">http://www.sacbee.com/2011/03/21/3494111/an-about-face-on-front-facing.html#ixzz1HNMiqk6F</a><br /> <strong><em><br /> <span style="color: #953734;">Keep your family protected and safe.&nbsp; If you want Cliff Cottam Insurance to research the top insurance companies and&nbsp;get you the best insurance</span>, </em></strong><a href="http://www.ccisca.com/contact.aspx"><strong><em>Contact Us&nbsp;</em></strong></a><strong><em><span style="color: #953734;"> at (800) 807-6871.&nbsp; Or. complete our online </span></em></strong><a href="http://www.ccisca.com/automobile/quick_insurance_quote.aspx"><strong><em>Auto Quote form </em></strong></a><span style="color: #953734;"><strong><em>for a no obligation quote.</em></strong><br /> </span></p> </div> </div>urn:uuid:94dddb2d-fd2c-43d0-94f2-e08e712d8fffAlthough it doesn't seem like it, spring is here.&nbsp; We found&nbsp;this article from Sacramento Magazine that we want to share with our friends.&nbsp;&nbsp;It links to various maps&nbsp;close to Sacramento that you can explore.&nbsp; Thank you Kir...Tue, 22 Mar 2011 18:45:38 -0500<strong><em><span style="color: #953734;">Although it doesn't seem like it, spring is here.&nbsp; We found&nbsp;this article from Sacramento Magazine that we want to share with our friends.&nbsp;&nbsp;It links to various maps&nbsp;close to Sacramento that you can explore.&nbsp; Thank you Kira O'Donnell for writing it!&nbsp; <br /> <br /> </span></em></strong>Warm weather is right around the corner, and it&rsquo;s time to start planning some entertaining outdoor jaunts. Consider exploring a local farm trail, which offers you an opportunity to not only visit local farms (try bonding with your kids while plucking sun-warmed peaches straight from the tree, or petting an alpaca), but also to learn about other agricultural treasures, like small wineries, corn mazes, specialty nurseries and farm festivals, that may be located surprisingly close to home. <br /> <br /> Regional farm trail maps differ widely in design, content and sophistication. At their most basic, the maps indicate the location of participating farms and show consumers which farms are offering which products. Local food artisans &ndash; cheese, honey, beer and bread producers, for example - may also be included on a farm trail map. Some feature product and event indexes, so consumers can locate specific items; others offer a handy harvest calendar so visitors know what produce is available on the trail at different times of the year.&nbsp; Here&rsquo;s a list of some excellent farm trail maps:<br /> <br /> <a href="http://www.sacmag.com/Eat-Drink/Eat-Drink-Blog/March-2011/Farm-Trails/www.calagtour.org">www.calagtour.org</a> (an University of California website which catalogs agritourism sites throughout California.)<br /> <br /> 49er Fruit Trail &amp; Christmas Tree Lane<br /> <a href="http://www.sacmag.com/Eat-Drink/Eat-Drink-Blog/March-2011/Farm-Trails/www.49erfruittrailandchristmastreelane.com">www.49erfruittrailandchristmastreelane.com</a><br /> <br /> Apple Hill Growers Association<br /> <a href="http://www.sacmag.com/Eat-Drink/Eat-Drink-Blog/March-2011/Farm-Trails/www.applehill.com">www.applehill.com</a><br /> <br /> Calaveras Grown<br /> <a href="http://www.sacmag.com/Eat-Drink/Eat-Drink-Blog/March-2011/Farm-Trails/www.calaverasgrown.org">www.calaverasgrown.org</a><br /> <br /> El Dorado County Farm Trails<br /> <a href="http://www.sacmag.com/Eat-Drink/Eat-Drink-Blog/March-2011/Farm-Trails/www.edc-farmtrails.org">www.edc-farmtrails.org</a><br /> <br /> <a href="http://www.sacmag.com/Eat-Drink/Eat-Drink-Blog/March-2011/Farm-Trails/">http://www.sacmag.com/Eat-Drink/Eat-Drink-Blog/March-2011/Farm-Trails/</a><br /> <br /> Read more: <a href="http://www.sacmag.com/Eat-Drink/Eat-Drink-Blog/March-2011/Farm-Trails/">http://www.sacmag.com/Eat-Drink/Eat-Drink-Blog/March-2011/Farm-Trails/</a><br /> <br /> <span style="color: #953734;"><strong><em>Cliff Cottam Insurance encourages outdoor enthusiasts to get out and about.&nbsp; Just remember to drive defensively when your driving to get there.&nbsp;&nbsp;If you need an auto insurance policy or would like a review of your old one, <a href="/contact.aspx">contact us </a>at (800) 807-6871.&nbsp;&nbsp;Or, simply complete our online <a href="/automobile/car_insurance_quote.aspx">Auto Quote </a>form.&nbsp;</em></strong></span>&nbsp;&nbsp;&nbsp;urn:uuid:5c72b880-6b69-4f01-86f3-401bf7705c34 For the first time in weeks, local gasoline prices actually declined. The average retail price of gas in Sacramento fell 0.2 cents a gallon to $3.91 over the past week, according to today's weekly report issued by SactoGasPrices.com, a GasBuddy.com ...Mon, 21 Mar 2011 19:09:46 -0500<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>For the first time in weeks, local <a href="http://topics.sacbee.com/gasoline+prices/" class=" lingo_link" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2Fgasoline%2Bprices%2F">gasoline prices</a> actually declined.</p> <p>The average retail price of gas in <a href="http://topics.sacbee.com/Sacramento/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow" _old_href="http%3A%2F%2Ftopics.sacbee.com%2FSacramento%2F">Sacramento</a> fell 0.2 cents a gallon to $3.91 over the past week, according to today's weekly report issued by SactoGasPrices.com, a GasBuddy.com website.</p> <p>The slight decrease came after local prices rose nearly 40 cents a gallon over the previous three weeks. The latest average was still 86.8 cents per gallon higher than one year ago and up 39.6 cents from last month. </p> Read more: <a href="http://www.sacbee.com/2011/03/21/3492550/gas-prices-take-a-dip-reprieve.html#ixzz1HHZN8lNt" style="color: #003399;">http://www.sacbee.com/2011/03/21/3492550/gas-prices-take-a-dip-reprieve.html#ixzz1HHZN8lNt</a></div>urn:uuid:aa8c59fd-9776-4c1e-b50c-3b36690439e0At Cliff Cottam&nbsp;Insurance we&nbsp;provide information that will help you&nbsp;make informed decisions when&nbsp;purchasing your auto policy.&nbsp;&nbsp;We ran across a great article from Insurance Tips For U that answers some common questions.&n...Mon, 21 Mar 2011 18:03:36 -0500<em><span style="color: #953734; font-size: 13px;"><strong>At Cliff Cottam&nbsp;Insurance we&nbsp;provide information that will help you&nbsp;make informed decisions when&nbsp;purchasing your auto policy.&nbsp;&nbsp;We ran across a great article from Insurance Tips For U that answers some common questions.</strong></span>&nbsp; <br /> <br /> <span style="color: #000000;">How to save money when buying auto insurance</span> <p><span style="color: #000000; font-size: 13px;">1. Shop around : Companies are in the business to insure drivers. Understandably they all want to insure good drivers and if you are one shop around to find the company that will offer you the best rate.<br class="style124" /> <br /> Drivers with some driving infractions should also shop around. All companies are not the same and you will find that some are more forgiving than others when it comes to insuring risky drivers. It does pay to shop around. <br class="style124" /> <br /> 2. Avoid Over-Insuring: Depending on the value of the car you drive you may not need certain types of coverage, such as collision coverage for an old car. Some times drivers with older cars only need liability insurance.&nbsp; </span></p> <p class="style6"><span style="color: #000000; font-size: 13px;">This protects you if you for injury liability to others but does not cover damage to your own car. There is no point in paying say a $1000 for collision coverage every year if your car is only worth about $1000. <br /> <br /> 3. Deductibles : If you want to reduce your insurance premiums then select a higher deductible. Go for a lower comprehensive deductible. Comprehensive coverage is for damages such as windshield replacements.<br /> </span></p> <br /> <span style="color: #000000; font-size: 13px;">4. Small Claims Filing : Sometimes it makes sense not to file for small claims, such as damage to your vehicle that is about the same or slightly more than your deductible. You need to decide for yourself in such cases if its worth paying for the damage yourself or filling a claim that will be on your insurance record for three years or so.<br class="style124" /> <br class="style127" /> </span><span style="color: #000000;"><span style="font-size: 13px;">5. Multiple-line discounts : If you are a home owner insure your home and car with one insurance company. Make sure you ask for a discount as most companies offer multiple-line discounts.&nbsp;&nbsp;<br /> Read more:&nbsp; </span><a href="http://www.insurancetipstoday.com/auto/auto_insurance.htm"><span style="font-size: 13px;">http://www.insurancetipstoday.com/auto/auto_insurance.htm</span></a><br /> <br /> </span><strong><em><span style="color: #953734;"><span style="font-size: 13px;">Let us&nbsp;shop&nbsp;the insurance markets to save you time&nbsp;and help you&nbsp;find the right insurance for your personal situation.&nbsp; </span><a href="/contact.aspx"><span style="font-size: 13px;">Give us </span></a><span style="font-size: 13px;">a call at (800) 807-6871 or complete our online </span><a href="/automobile/quick_insurance_quote.aspx"><span style="font-size: 13px;">Auto Quote </span></a><span style="font-size: 13px;">form today!</span></span></em></strong> <p><span style="font-size: 13px;">&nbsp;</span></p> <p>&nbsp;</p> </em>urn:uuid:acd36b4f-b95e-4fd4-a3bb-545b5762124fWe represent Mercury Insurance and can get you an Auto, Homeowners, Renters or &nbsp;Business Insurance Quote.&nbsp; Contact us at (800) 807-6871 to get the lowest rates from an outstanding company.&nbsp;&nbsp;&nbsp;You can also complete one of the o...Sun, 20 Mar 2011 13:07:45 -0500We represent Mercury Insurance and can get you an Auto, Homeowners, Renters or &nbsp;Business Insurance Quote.&nbsp; Contact us at (800) 807-6871 to get the lowest rates from an outstanding company.&nbsp;&nbsp;&nbsp;You can also complete one of the online Quote forms.&nbsp; We will get back to you right away!&nbsp;<br /> <br /> <ul> <li>Auto Quote:&nbsp; <a href="http://www.ccisca.com/automobile/quick_insurance_quote.aspx">http://www.ccisca.com/automobile/quick_insurance_quote.aspx</a>&nbsp; </li> <li>Homeowners Quote: &nbsp;<a href="http://www.ccisca.com/module.aspx?ref=900">http://www.ccisca.com/module.aspx?ref=900</a> </li> <li>Renters Quote: &nbsp;<a href="http://www.ccisca.com/renters/insurance_quote.aspx">http://www.ccisca.com/renters/insurance_quote.aspx</a> </li> <li>Business Quote&nbsp; <a href="http://www.ccisca.com/business/general_liability_quote.aspx">http://www.ccisca.com/business/general_liability_quote.aspx</a> </li> </ul> <p>For a&nbsp;instant Auto Quote which includes an estimated premium click here:&nbsp; <a href="https://quote2.mercuryinsurance.com/WebQuote/startQuote.do?submitName=startQuote&amp;RedSt=CA&amp;src=agentlink&amp;agentcode=045100">https://quote2.mercuryinsurance.com/WebQuote/startQuote.do?submitName=startQuote&amp;RedSt=CA&amp;src=agentlink&amp;agentcode=045100</a></p>urn:uuid:4bf40bac-cb68-4c38-8188-14a60317c29f We came across this article by the Sacramento Bee that gives you an idea of what is at stake if you&nbsp;are not properly insured for flooding.&nbsp; By Claudia Buck The frightening images of Japan's tsunami wiping out homes, roads and entire citi...Sun, 20 Mar 2011 12:49:09 -0500<div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p><strong><em><span style="color: #953734;">We came across this article by the Sacramento Bee that gives you an idea of what is at stake if you&nbsp;are not properly insured for flooding.</span></em></strong>&nbsp; <br /> <br /> By Claudia Buck<br /> The frightening images of <a href="http://topics.sacbee.com/Japan/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">Japan's</a> <a href="http://topics.sacbee.com/tsunami/" class=" lingo_link" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">tsunami</a> wiping out homes, roads and entire cities are vivid reminders that a natural disaster can strike at any time.</p> <p>And whether it's an earthquake, a wildfire or flooding, being covered against severe damage to your home or business is essential.</p> <p>Across the United States, flooding is the No. 1 natural disaster, according to the <a href="http://topics.sacbee.com/Federal+Emergency+Management+Agency/" class=" lingo_link" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">Federal Emergency Management Agency.</a> </p> <p>And given the region's swollen rivers and the promise of heavy runoff this spring from melting snow, now's a good time to assess how well you're protected against flooding.</p> <p>A basic homeowner's or business insurance policy will cover damage caused by storms, such as a leaky roof, fallen tree limbs or broken pipes. </p> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>But a homeowner's policy typically does <i>not</i> cover damage due to flooding, or what's known as "rising water." </p> <p>Flooding &ndash; such as a levee break, a river overflowing its banks or water from springtime snow melt &ndash; is generally defined as a temporary inundation of normally dry land. For that type of coverage, you need a separate flood policy, which is provided by the federal government's <a href="http://topics.sacbee.com/National+Flood+Insurance+Program/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">National Flood Insurance Program</a> and purchased through a local insurance agent.</p> <p>"The distinction is that <a href="http://topics.sacbee.com/homeowner%27s+insurance/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">homeowner's insurance</a> covers water falling from the sky; <a href="http://topics.sacbee.com/Flood+insurance/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">flood insurance</a> covers water rising from the ground," said <a href="http://topics.sacbee.com/Tully+Lehman/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">Tully Lehman,</a> spokesman for the nonprofit Insurance Information Network of <a href="http://topics.sacbee.com/California/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">California.</a></p> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>In some areas, <a href="http://topics.sacbee.com/Flood+insurance/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">flood insurance</a> is required, particularly in high-risk areas, such as Natomas. "In other areas, <a href="http://topics.sacbee.com/Flood+insurance/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">flood insurance</a> is suggested but not mandatory," said <a href="http://topics.sacbee.com/Vince+Wetzel/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">Vince Wetzel,</a> the Sacramento-based spokesman for <a href="http://topics.sacbee.com/State+Farm+Insurance/" class=" lingo_link" style="font-style: normal; display: inline; font-size: 15px; cursor: pointer; font-weight: 400;" rel="nofollow">State Farm Insurance.</a> "People need to evaluate the costs and (flood) risks and decide for themselves." </p> <p><strong>&nbsp;<span style="font-size: 16px;">What's covered</span> </strong></p> <h3> <p><a href="http://topics.sacbee.com/Flood+insurance/" class=" lingo_link lingo_link_hidden" style="font-style: normal; display: inline; font-size: 18px; cursor: pointer; font-weight: 700;" rel="nofollow">Flood insurance</a> <span style="font-size: 16px;">covers most damage to your home, business and personal property caused by temporary inundation of water. It includes mudflows, but not landslides. </span></p> </h3> covers most damage to your home, business and personal property caused by temporary inundation of water. It includes mudflows, but not landslides. <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>One limitation to flood insurance is basements. Improvements such as sheetrocked walls, finished floors and personal belongings in a basement are not covered by flood insurance; essential household equipment such as furnaces or water heaters is covered.</p> <p>For residential policies, the maximum coverage is $250,000 for the structure and $100,000 in personal property. For a business or commercial property, the maximum limits are $500,000 structural and $500,000 in contents.</p> <p><strong>&nbsp;<span style="font-size: 16px;">What it costs</span>&nbsp;&nbsp;</strong></p> <h3> <p><span style="font-size: 16px;">Flood insurance premiums vary, depending on where you live and whether your home is considered at high or low risk of flooding.</span></p> </h3> Flood insurance premiums vary, depending on where you live and whether your home is considered at high or low risk of flooding. <p>The average residential flood insurance premium is about $570 per year, according to the NFIP. But homeowners in low-risk areas can purchase coverage for as little as $129 a year; those whose homes are in heavily flood-prone areas will pay $2,700 or more in annual premiums. Commercial property rates are higher. See <a href="http://www.floodsmart.gov" target="_blank">www.floodsmart.gov</a> for details.</p> <div style="text-align: left; background-color: transparent; color: #000000; overflow: hidden; text-decoration: none;border: medium none;"> <p>And keep in mind: If you get a policy today, it doesn't go into effect until 30 days after it's purchased.</p> <p><strong>&nbsp;<span style="font-size: 16px;">Do a home inventory</span> </strong></p> <h3> <p><span style="font-size: 16px;">Regardless of whether you purchase flood insurance, it's a good idea to conduct a home inventory.</span></p> </h3> Regardless of whether you purchase flood insurance, it's a good idea to conduct a home inventory.&nbsp; Read more: <a href="http://www.sacbee.com/2011/03/20/3487277/personal-finance-how-well-are.html#ixzz1HA7U41Bn" style="color: #003399;">http://www.sacbee.com/2011/03/20/3487277/personal-finance-how-well-are.html#ixzz1HA7U41Bn</a></div> <br /> <strong><em><span style="color: #953734;">Cliff Cottam Insurance is here to help with questions and concerns regarding your homeowners policy or other insurance options.&nbsp; <a href="/contact.aspx">Contact Us </a>today at (800) 807-6871 or complete our online <a href="/flood/insurance_quote.aspx">Flood Quote </a>form.<br /> </span></em></strong></div> </div> </div> </div>urn:uuid:a3a41104-e6ca-4a17-98ca-563196307924Our friends at Mortgage Bankers Acceptance Company have moved!&nbsp;&nbsp;We have personally&nbsp;refinanced our home through them and know that&nbsp;they&nbsp;will make sure your mortgage is expertly&nbsp;handled.&nbsp;&nbsp; You are invited&nbsp;...Sat, 19 Mar 2011 17:43:49 -0500<p style="text-align: center;">Our friends at Mortgage Bankers Acceptance Company have moved!&nbsp;&nbsp;We have personally&nbsp;refinanced our home through them and know that&nbsp;they&nbsp;will make sure your mortgage is expertly&nbsp;handled.&nbsp;&nbsp; <br /> <br /> You are invited&nbsp;to stop by to see their new office and take advantage of today's LOW interest rates and home prices!&nbsp;<br /> <br /> <strong>NEW LOCATION:<br /> <br /> MORTGAGE BANKERS ACCEPTANCE COMPANY<br /> 5330 Primrose Drive, Suite 231<br /> Fair Oaks, CA&nbsp; 95628<br /> (916) 725-9902 or (800) 725-9902<br /> </strong><a href="http://www.mbac.com">www.mbac.com</a></p>