Fearnow Insurance

go fund me

2017-04-27T11:22:00.002-04:00

Monica would like you to support

Diana Robinson's Medical Fund

by making a donation and helping spread the word.

Monica would like you to support

Diana Robinson's Medical Fund

by making a donation and helping spread the word.

Monica Hilton's family needs help. The Insurance is not enough to cover the medical needs of her Step Mom.

Diana Robinson was diagnosed with Lung cancer over a year ago and even though they removed half of her lung the cancer has returned and spread throughout her chest. Diana is now receiving Chemotherapy at Moffitt Cancer Center. Moffitt has been great in trying to find avenues to help her husband with the additional cost but there seems to be no money in those programs.

The insurance benefits are not enough to cover all the medical bills for the treatments as well as the other medical conditions arising from the treatment.

Monica's family is facing a medical hardship they have never had to deal with before and we know it will be a long road ahead for Diana & David.

We appreciate all prayers and any little bit you could donate to help my Diana & David would be greatly appreciated.

Please help spread the word.

View Campaign

What is GoFundMe?

GoFundMe is a personal fundraising website that has helped thousands of people raise millions of dollars for the things that matter to them most.

This email was sent on behalf of Monica D Hilton via GoFundMe.

Don't want these emails?

Our new commercial

2017-02-14T11:37:00.001-05:00

https://www.youtube.com/watch?v=f0uEIGiMVrY

2015-11-04T11:35:00.000-05:00

Attention!!
Be sure to read the fine print before you sign on the dotted line!
An assignment of Benefits Agreement is sometimes provided by contractors that specialize in home repair and restoration, as well as roofers and plumbers.
Before signing any document that includes Assignment of Benefits language, please read carefully and consider speaking with your insurance agent. Also referred to as an “AOB,” the agreement authorizes the contractor to act on your behalf and may allow the contractor to receive funds directly from your insurance company. By signing an Assignment of Benefits document, you may be “signing away your rights.
Click link below to watch short video:
Assignment of Benefits http://fromthetower.thig.com/assignment-of-benefits-tower-hill-insurance/via @towerhillins
Fearnow Insurance

2015-11-04T11:23:00.000-05:00

2016 Open Enrollment for the Individual Market
November 1, 2015 – January 31, 2016

As a reminder, customers need to be enrolled by December 15^th for coverage effective January 1^st.

The countdown starts now…6 weeks until December 15^th.

If you miss this current Open Enrollment Period, you will not be able to obtain a Government Health Plan until 2017.

What You Need to Know About Open Enrollment

The Open Enrollment Period for 2016 begins on November 1, 2015 and ends on January 31, 2016. All Americans must have health insurance or face a fine.

Important: In order for your coverage to begin on January 1, 2016, you must enroll by December 15, 2015.

Important: If you currently have a 2015 Government Plan, for 2016 you have to renew your existing plan or enroll in a new one. You will not be automatically re-enrolled.

You will not be able to sign up for a Government Health Plan until the next Open Enrollment Period. The only exception is that if you experience certain life changes after Open Enrollment -- known as “Qualifying Life Events” -- you could be re-eligible to enroll.

To minimize your chances of not having health insurance, it is highly recommended that you do not miss the Open Enrollment Period and enroll immediately during this time.

What If I Don’t Sign Up for a Health Plan?

If you do not have health insurance in 2016, you stand to face a fine in the form of a tax penalty on your federal income tax return.

The penalties are whichever of the below two is the greatest amount:

2.5% of your household income; or

$695 per adult / $347.50 per child, with no household limit

The Affordable Care Act was designed to ensure that all Americans have health insurance. To make sure no one is uninsured, health care has to be truly attainable and affordable. That is why you cannot be denied coverage for preexisting conditions, and your costs could also be greatly lowered by subsidies -- or “discounts” -- if you meet certain income guidelines.

Universal and affordable health care can only work if everyone is covered. Remember that uninsured patients can become very costly for everyone. That is why you can be penalized for not having coverage. If you miss the Open Enrollment Period and have a Qualifying Life Event, you can still get a government health insurance plan during the Special Enrollment Period.

When Does My Coverage Begin?

If you enroll during the first 15 days of the month, your coverage begins on the first day of the following month. For example, if you enroll by January 15, 2016 your coverage will begin on February 1, 2016.

Enrolling during the last half of the month means your coverage begins on the first day of the second month. For example, if you enroll on December 16, 2015, you will have to wait until February 1, 2016 for your coverage to begin.

Call us today for more information at 813-865-4202 and ask for our Life and Health Specialist, Anthony Perry or email, anthony@fearnowins.com

2015-11-02T13:03:00.000-05:00

Confused about Medicare? You are not alone

Use these tools to help guide and support your Medicare education experience.

Medicare Education Checklist

Learning about Medicare shouldn't be limited to just one week of the year. Taking the time to review your coverage options and stay informed about Medicare may help you feel better prepared to enroll in Medicare for the first time or make confident health care decisions during Medicare Open Enrollment (Oct. 15-Dec. 7). Use this checklist to help you learn more about Medicare.

Start with the Basics:Mastering the basics of the Medicare program may help you feel prepared to find the coverage that's right for you. Check out the Learn about Medicare page, watch the Medicare Overviewvideo or get familiar with some terms in the Glossary .

Ask the Right Questions: Medicare isn't one-size-fits-all. You have lots of options as you're deciding which coverage is right for you. But those options can sometimes feel overwhelming. Make it easier by asking yourself some key questions that will help you determine your needs .

Prepare: Be ready to make decisions about your coverage options during Medicare Open Enrollment (Oct. 15-Dec. 7). Visit the Coverage Examples page to see how four Medicare beneficiaries chose their plans. Or watch the videosabout Medicare Parts A, B, C and D as well as Medicare supplement insurance.

Go Straight to the Source: Anthony Perry at Fearnow Insurance

Call: 813-865-4202 or email: anthony@fearnowins.com

Tax Free Weekend

2015-08-06T12:14:00.004-04:00

It's almost that time of year again! the summer flew by! will you be taking advantage of all the sales and tax free items?

2015-04-16T11:29:00.000-04:00

April/May Newsletter is hot off the press with some articles that might interest you......

April is stress awareness month, tips on how to de-stress yourself at home and work. Also

some exercises to do and food to eat to de-stress yourself.

Including in our regular do it yourself corner, we have some exercises and foods to also help

you de-stress yourself.

"Click Here" to view our newsletter.

2015-03-17T18:28:00.000-04:00

It's that time again!
Hot off the press is our March Newsletter !!

Articles include Open enrollment extention for Medical and Flood Awarness week.

Our featured partner is TNT Termite and Pest Control.

For Easter, we have "do it yourself" bunnies and chicks also with some fun recipes.

Click link below to view our newsletter....

http://media.wix.com/ugd/101e2e_20ca4bbfe7ab4203ab4e478913b4c5cd.pdf

2015-03-17T13:16:00.000-04:00


National Flood Safety Awareness week is March 16-22, 2015!
		FLOOD DAMAGE. Just a few inches of water from a flood can cause tens of thousands of dollars in damage. From 2008 to 2012, the average residential flood claim amounted to more than $38,000. Flood insurance is the best way to protect yourself from devastating financial loss.
		GET COVERED. Flood insurance is available to homeowners, renters, condo owners/renters, and commercial owners/renters. Costs vary depending on how much insurance is purchased, what it covers and the property's flood risk. For the Preferred Risk policy, premiums start at $129/year.
		DON'T WAIT! Typically, there's a 30-day waiting period from date of purchase before your policy goes into effect. That means now is the best time to buy flood insurance.
		CHANCES ARE... What are your chances of experiencing a flood? Floods are caused by storms, hurricanes, water backup due to inadequate or overloaded drainage systems, as well as broken water mains. Nearly 20% of flood claims come from moderate-to-low risk areas.
		SAFETY PLAN. Flooding can happen at any time. Create a family plan today to help minimize potential losses and ensure your family's safety. Don't forget to plan for your pets! Visit Floodsmart.gov/familyplan or Ready.gov/prepare for helpful tips and more information about how you can be prepared.

2015-03-13T16:00:00.000-04:00

With over 25 years of experience in the pest control industry, Ed
& Bonnie Tekampe, of TNT Termite and Pest Control, can help you say goodbye to those pesky ants, termites, roaches, silverfish, spiders and other nasty bugs.

TNT Termite and Pest Control provides a variety of services for commercial and residential properties and are committed to tailoring their solutions to meet a customer’s individual needs. They provide quarterly pest service for residential properties covers all basic household pests including ants, roaches, wasps, even fleas. When they treat they're going to cover all basic household pests including ants, roaches, wasps, even fleas. Services include solutions for drywood and subterranean termites as well. In addition, TNT Termite and Pest Control conducts Wood Destroying Organism (WDO) inspections for prospective real estate buyers, sellers, and lenders. Before starting his own pest control business 4 years ago, Ed worked for a national company where he received countless hours of training and experience.

When needing to eliminate pests from a home, many customers can be even more concerned about the chemicals entering their living space. However, TNT is dedicated to providing customers with safe solutions that work. “When treating the inside of your home, we’re going to utilize gels and baits and put them in the areas where the bugs live, not where you and your family live.”

Providing “Dynamite Customer Service” has been key to TNT Termite and Pest Control’s success. Not only do they eliminate bugs, they also consult with their customers, educating them on how to identify different species of pests, their tendencies, and how to keep them from invading again.

TNT Termite and Pest Control—led by Ed and Bonnie Tekampe, along with their son, Andy—is truly a hometown, family business known for doing the job well and doing it right. “You’re always going to get the straight and honest answer with us,” said Bonnie, “and we’ll be there if you need us. Even if we’re slammed with business, if someone is having a challenge we’ll be there for them.”

Don’t let bugs do any more damage to your home. Give yourself peace of mind and call TNT Termite and Pest Control today

813-716-9196 or 813-760-2691 (for a free Estimate)

visit our website: www.TNTtermiteandpestcontrol.com

and "Like" us on our Facebook page: www.facebook.com/TNTtermiteandpest

2015-03-10T17:16:00.004-04:00

Save Ray! He needs your help!

Follow link below for his story

www.gofundme.com/saveray

What to Expect when filing an Automobile Claim

2015-02-05T15:23:00.000-05:00

Auto Insurance & Fender Benders

Impact On Premiums
Fender benders and the like are an anticipated part of life, and though you're protected with auto accident insurance, you may still have concerns about what's going to happen to your insurance rates when you file a claim. Will your rates go up, and if so, how much? Will you be canceled? What if the accident wasn't your fault? What if it was? There are no simple answers to these questions, as the process of establishing auto insurance premiums is very complex, and each accident is analyzed using many variables, including fault, history of accidents, moving violations and auto insurance claims, as well as age, car type and much more.

Not your fault: If the accident is not your fault, it's the first in which you've been involved, and your driving history is free of moving violations and/or insurance claims, you may have no premium increase at all.
Your fault with property damage: If the accident is your fault, but it resulted in property damage only, you will probably not lose your good driver discount. It may, however, trigger an increase in your premium.
Your fault with bodily injury: If you are at fault and someone is injured you will most likely lose your good driver discount and could see a 20 to 25 percent premium increase.
Non-renewal & cancellation: Your insurance company may also decide not to renew your policy if your driving record gets markedly worse or you have several auto accident claims. Different insurers have different rules about what constitutes an unacceptable driving record, but there are a few accidents, such as those caused by drunk driving, that will probably trigger a non-renewal from virtually every insurance company.

Practices vary from company to company, but in general, an insurer will increase your premium by specific percentages for each chargeable claim made against your policy above a specific dollar amount. A chargeable claim is one the insurer considers primarily your fault. The percentages and ceilings vary from company to company. These increases generally stay on your premium for three years following the claim.

Save Money & Time
Some accidents may involve little damage and will be under your deductible, so you may be inclined to circumvent the process of filing an auto accident insurance claim and just fix the damage on your own. This is a mistake that could cost you thousands, if not hundreds of thousands of dollars, because what seems like a little fender bender could turn into an injury claim. By reporting the accident, you are now protected against future claims because Mercury will now have a record of the damage and will be able to defend you in the event that you are sued. Additionally, Mercury can help arrange for repairs at a trusted facility, and you can take advantage of the company's pricing discounts. In most cases, the reporting of this fender bender will not affect your premium and it will end up saving you money in the long run.

Don't Do It Alone
Insurance professionals can spot red flags and are trained to deal with people and resolve problems, which takes the adversarial component out of the equation. When people try to adjust their own claims, they are an involved party and it often gets emotional.

Driver's Rights
The process of filing an auto accident insurance claim is regulated by the California Department of Insurance; however, in a competitive auto insurance market, great service from the claims department can set an insurance company apart from the pack. This is the number one goal of Mercury: To provide exceptional service at all times.

Drivers' rights under the Fair Claims Settlement Practices Regulations of the California Department of Insurance (www.insurance.ca.gov) mandate that insurance companies assist in the following way:

Advise you of all benefits, coverage, time limits, or other provisions of your insurance policy.
Acknowledge a claim, start an investigation, provide forms and instructions, and provide reasonable assistance immediately (in no more than 15 days) after receiving notice of a claim. (Notice of claim is any written or oral communication to the insurance company that reasonably apprises the insurer that you wish to make a claim.)
Respond immediately to communications received from you (in no more than 15 days).
Accept or deny the claim immediately (in no more than 40 days) after receiving proof of claim. (Proof of claim is documentation in your possession which provides any evidence of the claim and supports the magnitude or the amount of the loss, such as estimates of repair or police report indicating theft of your vehicle, etc.)
Pay reasonable towing expenses, unless the insurer has provided you with the name of a specific towing company prior to your using a towing facility.
Offer a fair settlement. If you suffered a total loss, settlement must include taxes, license and transfer fees. The settlement must reflect the value of comparable deductions from the settlement for salvage and must be fair, measurable and discernable.
Pay the claim no later than 30 days from the date settlement was reached on an accepted claim.
Advise you whether or not they will sue the other party to recoup payments they have made to repair your vehicle (a.k.a. subrogation). If the insurance company does pursue subrogation, they must include your deductible unless you've already recovered your deductible.

The bottom line is never make assumptions when you've been in an auto accident and do not try to be your own claims agent. If you've been in an accident, contact your insurer, get the dialogue going and the process started on what needs to be done to protect your needs and get you and your vehicle moving again.

Why The Cheapest Insurance Isn't Alway The Best !!

2015-01-30T17:27:00.001-05:00

Cheap Auto Insurance: The Hazards of Choosing Cheap Car Insurance

Dangers of cheap auto insurance: pitfalls of choosing a cheap car insurance provider.

______________________________________________________________

If you own a car, truck or other motor vehicle, most states require you to purchase Auto Liability insurance, which can protect you and your passengers in the event of a covered loss.

Auto insurance rates are based on many factors and quotes can vary widely. Among the factors that insurance companies often consider when setting rates are age, gender, driving history, and the year, make and model of the vehicle. Additionally, in some states insurers can consider credit histories (credit scoring) when providing rate quotes.

If your car is financed, your lender will likely require you carry some form of Comprehensive insurance (sometimes known as "Other than Collision Coverage"). This type of insurance protects you against damage caused by things other than a vehicle collision such as fire, hail, flood, vandalism or theft. Collision insurance is coverage that applies to your vehicle if it is damaged as a result of colliding with another object—another vehicle, for example, or a tree.

Another step is to check the credit-worthiness of your insurance company through Moody's, Standard & Poor's and AM Best. If your insurance company has a strong financial rating, chances are excellent that it will have the ability to withstand a major catastrophe, such as claims produced by a hurricane, flood, earthquake or wildfires.

Here are some tips to consider while shopping for a quality provider and affordable rates:

Shop around: Use the Internet and your phone to obtain free quotes from several insurance companies. Additionally, if you are planning to purchase a new or used vehicle, make a phone call to your insurance agent—or prospective insurer—and obtain quotes for the vehicle. Many factors — such as different models, different engines and accessories—can impact your cost of insurance.
Maintain a clean record: A good driving history is your best defense towards obtaining and maintaining affordable insurance. Obey traffic laws, keep a light foot on the accelerator, and—if you choose an insurer that uses credit scoring in their evaluations—pay your bills on time.
Bundle your insurance: Many insurance companies sell other types of insurance, such as homeowners, renters or condo insurance, or mechanical breakdown protection. Consolidating your insurance policies with a single provider can create a substantial discount on your premiums.
Drive an economical car: Insurance rates are partially based on the type of car you drive. If your vehicle has low safety ratings, a high theft rate or a high incidence of vandalism, you may pay a higher premium.

2015-01-15T16:12:00.000-05:00

It's that time again!

Hot off the press is our January Newsletter with a new look !!

Find out from a how to keep your home safe (what a burglar looks for) and 10 ideas for 2015! Our Partner Featured is AJ Westfall Co.
Recipe for a Pull Apart Party Loaf and a DIY project.

2015-01-15T11:05:00.000-05:00

Click here to visit full website of AJ Westfall Co.

Nov/Dec Newletter - Holiday Issue

2014-11-14T13:29:00.001-05:00

It's that time again!

Our Nov/Dec 2014 Newsletter is hot off the press! Here is a sneak peak at what's inside:

Holiday issue with recipes, DIY centerpieces, Holiday Travel Safety, Holiday Boat Parade information and more!!

View our newsletter ...

Nov/Dec 2014 Newsletter.

While you're there, check out the rest of our community page or view our website at www.fearnowins.com

Have a Safe and Happy Thanksgiving.
Fearnow Insurance

National Recycling Week Nov. 10 thru Nov. 16

2014-11-12T10:19:00.001-05:00

Rescue 2 Kitties Please

2014-10-17T22:08:00.001-04:00

Hello! We are Gracie & Oakley. Our owner passed away suddenly leaving us homeless. A rescue group, Cat Call, was nice enough to take us in so we could stay together & not be euthanized at animal services. Only problem is they don't have any space for us at a foster home so for now we are stuck in a kennel at Petsmart on Causeway in Brandon. We are in need of a forever home but for now would be very happy to just find a temporary foster home. We are both very sweet & loveable. Right now though we are still in shock from losing our family so suddenly. It would help us to adjust if we could be in a calm home environment instead of a kennel. If anyone has room in their home & heart for us we would be forever grateful!

Enrollment for Medical Insurance

2014-10-17T14:32:00.003-04:00

Getting Covered – Stay Covered

2015 Individual Major Medical Open Enrollment

Open enrollment runs from November 15, 2014 to February 15, 2015

Many clients may be receiving non-renewal letters in the next few months if their medical plans do not meet the Federal mandated coverages. Those people will have until December 15^th to apply for a qualified plan with an effected date of January 1, 2015, so there is no loss of coverage.

People looking for different plans can give us a call at 813-689-8878 for a quote or make an appointment and we can explain coverages, costs and see if you may be eligible for government subsidizing.

If you have any questions at all, please give us a call, we are here to assist you.

Fearnow Insurance

Phone: 813-689-8878
email: info@fearnowinsurance.com

Visit our website: www.fearnowinsurance.com

*** Open enrollment for Medicare is October 15, 2014 and ends December 7, 2014 ***

Umbrella Policies

2014-10-17T13:45:00.001-04:00

Quick Facts about Umbrella Policies

• A Umbrella policy contains a broad definition of what constitutes personal injury compared to our competitors and it includes coverage for libel and slander.

• It provides peace of mind and an extra layer of protection against catastrophic loss for the insured and all members of their household.

• Also provides protection for the insured at home or while traveling, in all countries worldwide.

• Pays for attorney costs, win or lose, for all claims covered by a personal umbrella and not covered by an underlying insurance policy. Defense coverage is provided in addition to the limit of liability.

• AnUmbrella is an open peril policy so unless a loss is specifically excluded by the contract, we’ve got your customer covered.

• An umbrella quote can be completed in just 30-60 seconds!

• For as little as $10 a month, you can gain the protection and peace of mind they need with Umbrella Insurance. (Rates vary by state and underlying auto liability limits.)

• Coverage is available in $1 million increments from $1 million to $5 million.

22 Reasons Why Living in Florida is Underrated....

2014-10-08T17:28:00.000-04:00

1. We live where you vacation. Miami, Ft. Lauderdale, Orlando, Clearwater, West Palm Beach, Panama City, etc. Take your pick.

2. Currently one of the very few states that still doesn’t have a state income tax.

3. The Florida Keys. Enough said.

4. We have the most golf courses in the country (over 1,200).

5. You’ll quickly become bilingual living here. Me gusta.

6. You go to Disney for the parks; we go to Disney to drink around the world.

7. The Noles, Gators, The U, Bulls and Knights: pick your allegiance.

8. Our weather is the best in the country. The polar vortex hasn’t even come close to us.

9. We are the deciders in presidential elections.

10. Every weekend you decide whether to go to the beach, lay by the pool or go on a boat.

11. We’re home to Publix, the greatest grocery store in the US of A.

12.Stone crab.

13. You can’t drive anywhere for an hour without running into a major international airport.

14. Spring Break is not a week; it’s a month of college kids coming and going as they please.

15. It’s totally normal to see the multiple celebrities, musicians, sports players, and politicians that call Florida their second home on a daily basis.

16.You can have your snow days; we have hurricane parties.

17. Gambling isn’t just limited to casinos. Race tracks galore. Have you ever seen a Jai Alai match?

18. A weekend cruise is never out of the question. Not like in your car. I mean like getting on a Royal Caribbean ship and going to Bermuda.

19. Can’t find a parking spot, no problem. We have valet everywhere. Life is just a bit more luxurious down here.

20.Freshly squeezed Florida Orange Juice. There is no substitute. Not from concentrate or GTFO.

21. Cafe con leche, croquetas, and empañadas?.

22. We put Justin Bieber in jail. You’re welcome America.

BY SGPlumb

2014 Referral Reward … Win a 40” HDTV!

2014-09-26T15:38:00.000-04:00

Fearnow Insurance “Just Keep Talking” Program!

Our agency was built by taking special care of YOU – and clients like YOU! This shows you the large number of people who call us because YOU – our existing clients, recommend us. “Just Keep Talking” about the special treatment and low prices YOU receive from us!

Now, we want to add a little FUN to the process! We're going to make EVERYONE A WINNER when they tell a friend, relative, colleague or whoever to call us. We could give our ad dollars to newspapers, yellow pages, etc., but we’d rather give them to YOU, because…YOU are the best advertising we can get!

2 Chances, 2 Prizes for YOU to WIN!

First Way ....
Tell a friend, a colleague, a relative, an acquaintance … whoever … about us.When they contact us and tell us you sent them (don’t worry, we ask why they called): The first week of each month we’ll randomly draw from all of last month’s Chance qualifiers. THE WINNER will receive Dinner for Two at a local restaurant – a $40 value!

Second Way ....
Grand Prize! On December 17th, 2014, we’ll conduct a random drawing from all chances at the Grand Prize qualified through December 05, 2014. THE GRAND PRIZE WINNER will have the 40” HDTV delivered to their home in time for a Holidays retreat! (*We reserve the right to INCREASE the value of the Grand Prize because you deserve it!)

The Fearnow Insurance "Just Keep Talking About Us!" Program Rules

There is no limit on the number of chances you can create for yourself. Odds of winning are entirely dependent on the quantity of qualified chances created during the contest periods.

This contest and the rewards provided are open to any human being on the planet who refers a prospect to our agency. You do NOT have to be a client to be entered for a chance to win any of the random draw prizes.

The prospects referred do NOT have to become our client for the referring party to receive any of the rewards and/or chances in this program.

We are not responsible if the law says you can’t win due to age or anything else.

National Medicare Education Week

2014-09-16T17:07:00.000-04:00

It’s National Medicare Education Week!

Did you know it’s National Medicare Education Week?

National Medicare Education week (Sept. 15-21), a United Healthcare initiative to help consumers learn about Medicare and make health care coverage decisions that best meet their needs before the 2015 selling season begins.

According to a 2013 United Healthcare survey of 1,000 older adults, 1 in 5 Medicare beneficiaries described Medicare as confusing, and most could not correctly identify what Medicare Parts A, B, C and D cover. With National Medicare Education Week, we can help make Medicare easier to understand.

This 2014 National Medicare Education Week video extends the invitation to anyone looking for answers. During National Medicare Education Week, UnitedHealthcare hosts dozens of educational events across the country. To view a full list of cities and events that will take place this year, please visit NMEW.com.

NMEW.com also has an on-demand version of the event presentation so that people can is available on solucionesdemedicare.com. Some of the topics included in the presentation are:

The different types of Medicare coverage and how to determine what coverage is right for you;

How and when to enroll in Medicare, including tips for people who choose to continue working and delay enrolling in Medicare past age 65;

The impact of health reform on Medicare; and Where to go for more information.

To learn more about National Medicare Education Week, please visit NMEW.com.

1 U.S. Census bureau for the 10,000 people turning 65 every day.

Today is National Day of Encouragement

2014-09-12T11:05:00.000-04:00

The National Day of Encouragement is a day dedicated to uplifting those around us and making a positive impact, no matter the magnitude. Here are five thing to do, it's that simple ....

1. Tell somebody "great job" today. Even it was just above average. Heck, it's not Tell the Truth Without Regards to Others' Feelings Day. That doesn't come until March.

2. High-fives, high-fives, high-fives. You need to high-five at least three people today. Nothing says encouragement like a high-five. Just make sure the other person is paying attention. It's also not Slap a Friend in the Face While Pretending to Give Them a High-Five Day. Also in March.

3. Call, email or text a friend or family member you haven't contact in a while. Tell them you just wanted to see how they're doing. Tell them you'll contacted them again on International Talk Like a Pirate Day and they better brush up on their Piratese.

4. Help someone along with their goals. If a friend is trying to get in better shape, go exercise with them. If a friend is trying to get a project done with their house, ask if you can help with something for the day. If a friend is trying to get onto a reality TV show, encourage that friend to find a new goal – preferably one that does not involve national embarrassment.

5. Smile more. Nothing encourages people more than to see those around them smiling. Except for maybe clowns. But that's a column for another "less-encouraging" day.

September is ........

2014-09-09T16:58:00.000-04:00

Life insurance can do some pretty amazing things for people. It can buy loved ones time to grieve. It can pay off debts and loans, providing surviving family members with the chance to move on with a clean slate. It can keep families in their homes and pre-fund a child's college education. It can keep a family business in the family. It can provide a stream of income for a family to live on for a period of time.