Terri Habecker- Life Matters & So Does Your Insurance Co

Dana Point Chamber mixer is at Mahe restaurant on Harbor Drive in Dana Point Thursday night.

Come and get your Sushi on and network with Local Business professionals $15.00 non- members at the door

The Ritz Carlton has a 2 night stay, 3rd night free deal.

It's a great time to travel and the hotels are offering many special's, promoting Spa and restaurants, resort bucks and even gas cards . Check out your hotel on line for deals before you book.

The resorts and hotels may be a good place to market travelers for investing in your community?

I live in Dana Point and restaurants are also offering great deals. Canon's, with their non stop views are offering a fantastic appetizer menu, with half price drinks and bottles of wine half price. I don't get out much, but even I have been heading out with a local Real Estate office to take advantage of happy hour pricing.

Do you have a story of a deal the economy has offered in your community?

I'm here on a holiday week-end and somehow in it all, cleaning and getting ready for the week AHEAD AND I'M THINKING ABOUT EVERYTHING I DO to promote my business: I work hard in the community, I formed a face book page for family and friends and where do I get the most satisfaction and feedback?

Activerain.

There are more opportunituies here than anywhere else. Opportunities come in many packages and satisfaction as a poster and blogger.

When I visit the activerain pages and see the passion, the community, the opportunities shared, the experience and knowledge- I was wondering if others feel the same way?

May 28,29,30,31 Come enjoy a beautiful day on the Harbor in Dana Point. Please visit www.danapointboatshow.com many sponsorship, volunteer and coupons can be found on these pages. 9th annual in water boat show , vendors, fun for the kids and dogs too! The Ocean Institute will be open for visitors. Many vendors, food and fun is what it's all about.

Friday is One dollar Friday- 1 dollar admission, 1 dollar hot dogs, 1 dollar drinks

If you end up buying a boat, ask me for a quote on your insurance.

Please visit the Sand Dollar Guild Booth, Friday, Saturday and Sunday. The Sand Dollar Guild is a fund raising arm of the Ocean Institute. Sand Dollar Guild members will be there with community awareness about the Ocean Institute and it's programs. We will have lots of fun prizes to promote their ticket sales for Golf 'n Drop tickets for a chance to win fabulous prizes! See the Press release below. Over 115,000 children visit the Ocean Institute each year and take part in their self immersion programs.

2009 Golf 'n Drop Press Release

GOLF ‘N DROP EVENT INCLUDES PRIZES FROM THE SKIES!

15^th Annual Golf Classic & Chopper Drop to Benefit

Ocean Institute Education

The 15th Annual Golf Classic and Chopper Drop for Education, benefiting the Ocean Institute, gets underway Friday, September 25, 2009, at 11:00 am and promises to be an unforgettable golfing experience, including a helicopter drop with a Grand Prize of five nights in Paris. To add to the allure of the Classic, it is being held at the spectacular St. Regis Resort, Monarch Beach Golf Links, with its challenging holes and sweeping Pacific Ocean views.

Bob McKnight, President and CEO of Quiksilver, Inc. serves as Honorary Chairman for the event. He has worked diligently over the years to increase awareness of the Ocean Institute, whose mission is to inspire all generations through education to become responsible stewards of our oceans. Quiksilver, Inc. has been a major sponsor of the Golf Classic for the past 14 years and McKnight is especially proud that each amateur foursome is paired with a member of the golf team from a local high school, giving students the opportunity to interact with business leaders in the community. Names of the winners will be placed on the perpetual Bob McKnight trophy.

Event Co-Chairmen Alan Deck, General Manager of Monarch Beach Golf Links and Harold Rapoza, General Manager of the Hilton Anaheim, announce the cost for an individual golfer is $­­­­­­­­1,000, which includes two tickets to the Chopper Drop for Education Cocktail Viewing Party, golfing, golf cart, tee package, lunch and on-course refreshments. The golfer also receives five chances to win a white ball prize.

Golf sponsorship opportunities are available:

Event Sponsor, $6,000 - Includes one room per golfer at the St. Regis Monarch Beach Resort & Spa for Friday, September 25^th, eight tickets to the Chopper Drop for Education Cocktail Viewing Party, a full-page ad in the Tournament Book, golfing for four, golf cart, tee package, lunch, on-course refreshments and tee sponsor sign. Each golfer receives five chances to win a white ball prize.

Corporate Sponsor, $3,500 - Includes one room at the Hilton Anaheim or Doubletree Guest Suites, Doheny Beach for the check-writer anytime, eight tickets to the Chopper Drop for Education Cocktail Viewing Party, a full-page ad in the Tournament Book, golfing for four, golf cart, tee package, lunch, on-course refreshments and tee sponsor sign. Each golfer receives five chances to win a white ball prize.

Tee/Green Sponsor, $500 - Includes tee sponsor sign and half-page ad in Tournament Book.

The tournament will be immediately followed by the Chopper Drop for Education, hosted by the Sand Dollar Guild. The Guild, a fundraising arm of the Ocean Institute, has raised more than $1 million since it was formed 20 years ago.

The Chopper Drop is a spectacular happening in which a helicopter hovers, dropping golf balls to a hole, offering individuals a chance to win a myriad of prizes. Individuals may purchase a white golf ball for $20 or a colored golf ball for $100. Participants may win one of many prizes as their golf balls are dropped from the helicopter. Five or more white golf balls may be purchased at a reduced rate of $15 per ball, with an invitation to the Chopper Drop Viewing Cocktail Party, which follows the tournament at 4 pm. The evening also includes a silent and live auction, featuring more than 100 items including weekend getaways, golf packages, elegant dinners, surf and sports merchandise and much more.

The white ball prizes are as exciting as they are luxurious. The Grand Prize is Six Days/Five Nights for two in Paris, France. The winner will enjoy the many amazing sights and sounds of the City of Love. The prize includes round-trip airfare for two people on British Airways and five nights at the Four-Star Hotel Waldorf Trocadero. Second Prize is a Six Day/Five Night Tahiti Escape for Two that includes round-trip airfare for two people on Tahiti Nui and five nights in an ocean view room at the Five-Star Radisson Plaza Resort Tahiti. Third Prize consists of a Three Day/Two Night Stay for two at the Chumash Casino Hotel in the Santa Ynez Valley, complete with wine tasting at five local wineries.

For more information, to register for the tournament or to purchase Chopper Drop for Education tickets, please call 949.496.2274, ext. 412, email Ellen Meese at emeese@ocean-institute.org or visit the Ocean Institute website at www.ocean-institute.org.

I received a question regarding "Who does your Personal, Commercial, Remodel" Cost segregation for you?"

Cost Segregation covers so many aspects, from Tax, Hard & Soft Costs, Legal, Liability, employees, Auto and sometimes even death of a Spouse, business partner or Key Personnel can leave exposures with great monetary damage. Being an Insurance Agent comes with a tremendous amount of responsibility. Being an Insurance Nerd, this question really got me thinking and perhaps someone has something to add to this blog that can help our fellow Rainers understand and rethink their coverages.

If you don't read past here, I have been re writing a lot of business for Mortgage Brokers and Realtors, tightening their belts on some coverages on their policies. I highly recommend that you think seriously how an exposure could cause a tremendous amount of damage if you don't have the funds to "Self Insure" Self Insurance works great in some instances. Large Developers can self insure on their projects, if they meet the guidelines. Auto Insurance can be another area where "Agreed Value" or putting up the Bond requirements required by your State. There are other things you can do to lower your premiums. I have seen just by raising a deductible from $1,000 to $2,500 can resolve the problem w/o having to change critical coverages on a policy.

If you can risk lowering personal Property coverage or accept Actual Cash value on a roof or Personal Property or raising your deductible. These are examples where you can lower your premium without discarding the most important value's of your Policy. You can't remove all of your personal limits. The Companies we work with do have minimum requirements, but there is room for negotiation. With the housing crisis, I have seen people let their policy's lapse. Another recent experience, I was notified by one of my clients that one of their rental properties went into foreclosure and remove their Insurance. I checked the Recorded owner and the bank hadn't taken title yet. I recommend my insureds to keep coverage until title is changed.

Your General Liability coverage on your Home Policy, does not cover Libel/Slander- It does not cover a worker on your property if they do not have Workers Comp and gets hurt on your property or your rental. It does not cover Building Ordinance if half your house burns down and the City requires you to tear the whole property down and re-build. That becomes your responsibility and the Insurance Company will not pay for it. The policy will not pay for your 20K ring or Rolex or your Wine/Art Collection unless you have scheduled property. It does not cover Identity theft. These are endorsements.

Liability is the greatest exposure we have. Realtor's, do you drive that potential customer in your Auto? Is it a 200 million dollar a year CEO? Don't do it. Brokers are requiring their Realtors to add them as additionally named insured's on the autos with min. limit requirements. Can you pay for a potential 3million dollar law-suit? The larger the exposure, the higher your Liability limits should be on your Auto and Home. An Umbrella Policy is worth it's weight in gold.

Additional purchases beyond the Umbrella available for your policy can be Workers Comp exposure for anyone working in your home- Identity Fraud- Libel/Slander-Cost replacement-Building Ordinance and collections. On an Auto, Having Permissive use, Loan Coverage and high limits for Property damage. In the Coastal area where I live, cars can be 100K or more, yet I often see $25K on auto property damage limits. That means the insured would have 75K or more to pay out of pocket if even 1- but if 2 cars or a light pole were involved in paying out, it could be a lot more.

The above coverages offer protection at a great value and I highly recommend everyone to have.The overall costs for the protection you need is nothing compared to the devastation a law-suit in an auto accident or your house catching fire, could have on you or your family.

There are so many times I see extremely important coverages missing on a Home/Auto Policy. Don't lower your Liability or other important coverages on your Policy's.

I have much more to say on the effects of Cost segregation, but from the size of this BLOG- I will save it for another day.