For all your insurance needs. Volume number 8, issue number 1 ASK US ABOUT… Personal Insurance Business Insurance Life Insurance Health Insurance Disability Ins. Long-Term Care Medicare Supplements Group Insurance January, 2014 FIVE SURE-FIRE WAYS TO GET YOUR CAR STOLEN Most people would say their car is one of the most valuable assets they own – if not the most valuable. Despite that, however, some people make it downright easy for thieves to drive off in their pride and joy. In order to help ensure that you don’t walk out your door to an empty driveway or find only some broken glass left behind in your parking space, avoid these five mistakes: 1. Leave your car running…and unattended. 2. Keep a spare set of keys inside the car. 3. Put valuables in plain sight. 4. Leave your car unsecured. 5. Assume nobody would want to steal your car. Keeping thieves away helps to keep everyone’s insurance costs down, so avoiding these mistakes not only will save you hassle; it will save you money as well. So stay safe, not only on the roads, but in the parking lots as well! For more complete information on this subject, please refer to: http://www.naught-naught.com/category/blog Retirement Plans Investments Business Planning _______________ “My Grandfather once told me there were two kinds of people; those who do the work and those who take the credit. He told me to try to be in the first group; there was much less competition.” Indira Gandhi 1917-1984 _______________ Newsletter Editor: Foy G. Egbert USING LIFE INSURANCE TO FUND A BUY-SELL AGREEMENT A chief concern among business owners is what will happen upon the death of one of the owners: how will it affect the business, the other owners and the heirs of the deceased owner? Surviving owners want to ensure the continuity of ownership and not risk having a large share of ownership fall into the hands of potentially inexperienced heirs of the deceased. In addition, they want to protect themselves and the company financially. On a personal level, owners want to also ensure that their family is financially secure and compensated fairly in the event something happens to them. To learn more about What is a Buy-Sell Agreement as well as the Advantages of a Life Insurance Funded Buy-Sell Agreement and the Types of Buy-Sell Life Insurance Plans, please refer to: http://www.naught-naught.com/category/blog Visit us on the web at www.naught-naught.com Naught-Naught Agency 1441 Christy Drive Jefferson City, MO 65203 A Solid Foundation of Service In These Missouri Locations. Jefferson City 573-634-2727 800-392-0423 Boonville 660-882-2800 Fulton 573-642-1111 Higginsville 660-584-3939 Carrollton 660-542-2035 Marshall 660-886-7444 Columbia 573-874-3102 800-245-5727 Osage Beach 573-348-2794 Concordia 660-463-7091 Eldon 573-392-7141 Owensville 573-437-4191 Ozark 417-581-2866 WHAT DO YOU COLLECT? Collecting is as widespread as ever in America today. What makes it special is that people don’t necessarily choose what is popular. Rather, they pursue a hobby that has meaning to them. Some collect as a family tradition; others to pursue a childhood fascination, and yet others to preserve a part of history or culture. Simply put, collections matter more to collectors than other things they own. A collection often starts as a labor of love and can become a valuable investment over time. Many collectors rely on homeowners insurance to cover loss or damage to collections. But there are key limitations in a basic homeowners policy. There could be a sub-limit, such as $2,500, that applies to collections or collections may be valued at actual cash value. In either case, it is wise to consider scheduling your collectibles. For more details: http://www.naughtnaught.com/category/blog NIGHT DRIVING CAUTIONS There is no doubt winter has taken a strong hold on the Midwest. One of the things coming with winter is longer nights – which can mean increased danger on the roads. You might think you drive just as well at night, but consider this: Even though nighttime driving accounts for just 23% of vehicle miles traveled, more than 50% of fatalities for vehicle occupants 16 and older occur between 6 PM and 6 AM, according to the National Safety Commission (NSC). Because we at NAUGHT-NAUGHT AGENCY are advocates for safety, we thought it would be helpful to take a look at why night driving is more dangerous, and what you can do to decease than danger. For details on What’s Dangerous About Night Diving? and What To Do About It, please refer to our website at: http://www.naughtnaught.com/category/blog WHAT IS YOUR COMMUNICATIONS PREFERENCE?? As we continue to strive to enhance our service to you, our clients, it is important to us to know if you would prefer to receive this newsletter via email in lieu of printed copy. We would appreciate your sending us your email address and letting us know if you would prefer to have this newsletter and other communications sent to you via email. Please send to: newsletters@naught-naught.com.