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St Visalia, CA  93277

Mark Jennings, Partner
Scott Bosler, Partner
Phil Oliver, Partner

Mark Jennings.. Producer of the Year

Mark Jennings

Partner Mark Jennings (right) is presented the award for Producer of the Year in 2017 from Josh Woodard of Sammons Retirement Solutions. Congratulations Mark!

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Worth Quoting

This month, some famous quotes on the topic of design:

Design is not just what it looks like and feels like. Design is how it works.
-Steve Jobs

A designer knows he has achieved perfection not when there is nothing left to add, but when there is nothing left to take away.
-Antoine de Saint-Exupery

Every contrivance of man, every tool, every instrument, every utensil, every article designed for use, of each and every kind, evolved from a very simple beginnings.
-Robert Collier

Design is not for philosophy, it’s for life.
-Issey Miyake

Design works if it’s authentic, inspired, and has a clear point of view. It can’t be a collection of input.
-Ron Johnson

Will a Claim Raise My Car Insurance Premiums?

You’ve been in an accident. What are your initial thoughts?

If you’re like many vehicle owners, your mind quickly turns to the financial ramifications of the incident: “How much will repairs cost?” “If I make an insurance claim, will this accident increase my premiums?”

Too often, car owners don’t file a claim for fear of potential rate increases.

The truth is, filing a claim may or may not increase your premium, as there are several factors that can affect this situation.

The Accident: How severe was the accident? Was it a fender bender or a major crash? If the damage was great, it’s more likely to lead to a premium increase.

The Fault: Who was at fault in the accident? If you were at fault, it’s more likely your rates will go up. Often if the fault lies with the other driver, your rates will not be affected.
In some areas, both insurance companies will pay for some of the costs as a result of “no fault” regulations in those areas. Your insurance carrier will determine if the incident results in an increase.
The Record: Is this your first accident? If you have a safe driving record and have been with your insurance company for a long time, you are less likely to experience a premium increase.
If it is your first accident, you also may be eligible for accident forgiveness.

If you suffer any vehicle damage, it’s always a good idea to discuss your repair and replacement needs with your insurance agent.

He or she can help you determine the next best steps and walk you through the process of filing a claim.

And remember, keeping your record clean of accidents and traffic violations will allow you to have the lowest possible premiums.

Chocolate Strawberry Panna Cotta

This romantic Valentine’s Day dessert

Serves 6
3 cups frozen strawberries thawed in a strainer

1 3/4 cup buttermilk

6 tablespoons sugar

3 1/2 teaspoons powdered gelatin

1/4 cup whole milk

1/4 cup heavy cream

Store-bought chocolate sauce to taste


Blend together strawberries, buttermilk, and sugar until smooth, then pour through a fine sieve into a medium bowl.

In a separate small bowl, add gelatin to the whole milk and let stand.

Bring the cream to a simmer, remove from heat, and add the gelatin mixture. Stir until dissolved.

Whisk together cream and buttermilk mixtures, then pour evenly into 6 small stemmed glasses. Chill for at least 8 hours.

Serve with a fresh strawberry and drizzle chocolate sauce on top.

Dream Vacations

Clients Morrie and Bev Frazier are pictured above with daughter Molly Mandal (middle). They are owners of a Dream Vacations franchise helping people experience memorable vacations. They can be reached at (800) 499-4336.
Dream Vacations

Quick Quiz

Each month I’ll give you a new question.
Just reply to our email for the answer.
How many planets are in our solar system?
First 10 responders will be entered into drawing for 3 Starbuck’s gift cards.
Last month’s winners were Amy Lopez, Larry Owens, and Kelly Rider.

The Best “Valentation” of All May Be Just around the Corner

Whether at home or abroad, nothing says Happy Valentine’s Day like a romantic “Valentation.” Here are a few thought-starters:

Paris: Choose a boutique hotel in a 17th-century building or check out the elegant Right Bank from a hotel near the Champs-Elysees and the magnificent Arc de Triomphe.

Mykonos: If you’re considering Greece, pick an island – almost any island – and you’re sure to find sparkling sea views, rugged walks, and idyllic beaches. Ask, and most people will unhesitatingly recommend Mykonos. Try the Vencia Boutique Hotel for almost perfection at a reasonable price.

Ravello: Italy may be the most romantic place on earth, and while anywhere you choose will delight you, Ravello is special. High above the Amalfi coast, expect breathtaking scenery, an enchanting village, and spectacular cuisine. Try the Hotel Rufolo in the historic center of town – a family-run charmer with an outdoor pool and breakfast included.

New York: New York, New York is twice as exciting when you’re in love. Go to plays, go to jazz clubs, go to restaurants, or just stay in a romantic (albeit expensive) spot like The Mark Hotel and explore the city that never sleeps.

Sydney: Often overlooked, Sydney defines “lovers’ nirvana” with picturesque spaces, a fabulous harbor, and intimate cafes. Take selfies at every corner and be seduced by the beauty of Sydney.

Home getaway: “Home getaway” may seem like an oxymoron, but a Valentation at home just might be the best Valentine’s Day present of all. Play tourist, but come home to familiar (and romantic) surroundings.

Trend-Setting Boomers Are Still Doing What They Love

We can’t welcome 2018 without wondering what the boomer generation will be up to this year. In fact, many boomers are still doing what they love, and they’re still doing it well! After years of working for others, they’re making the decisions – and taking the risks – to start their own businesses in retirement.

Notes writer Wendy Mayhew in the Globe and Mail: “Many people can’t wait to retire. They want to golf, travel, or just take it easy. Others can’t wait to retire so they can start the business they have always dreamed about.”

According to the 2017 Kauffman Index of Entrepreneurship, individuals between 55 and 64 accounted for 25.5% of all new entrepreneurs in 2016, while the number of 20- to 34-year-old entrepreneurs declined by 34.3% over a 20-year period to 24.4% in 2016.

Why? It may be that the boomer generation is healthier and more energetic than previous generations, it may be that boomers (who are notoriously bad savers) need to supplement their income in retirement, or it may simply be that older workers have a lot to offer.

In a recent CNBC article, Jody Holtzman, senior vice president of market innovation for AARP, suggests: “[As a boomer] you know what works and what doesn’t, you’ve been in small and big companies … You have a network, possibly savings, or other ways to gain access to capital. All of those things come together as key success factors for building and sustaining a business.”

Plus, boomers have always wanted to change the world. And now’s their chance.

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