If any of the following quotes seem familiar -  you may be in need of some or even more insurance protection.

"Sure, it's fireproof."
"He's probably just hibernating."
"What does this button do?"
"It's probably just a rash."
"You're sure the power is off?"
"The odds of that happening have to be a million to one!"
"Pull the pin and count to what?"
"Which wire was I supposed to cut?"
"I wonder where the mother bear is."
"I've seen this done on TV."
"These are the good kind of mushrooms."
"I'll hold it and you light the fuse."
"Let it down slowly."
"It's strong enough for both of us."
"That didn't taste right."
"It's not that much snow."
"I can make the light before it changes."
"Nice doggie."
"What duck?"
"Now watch this..."
"I can do that with my eyes closed."
 
 
Effective insurance protects good people when dumb things happen.

Call Dave to review your coverages today.   
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Of course, because spring is a time for new beginnings, cleaning and organization around the house are very popular this time of year. If you’re ready to tackle that monumental chore, read on for some helpful information. (And if you’re so tidy and organized throughout the year that spring cleaning isn’t a big chore for you, well, keep that to yourself! Unless you want your friends and neighbors to be jealous, that is.)
 
Take it one room at a time. Deciding to clean or organize your entire home can quickly get overwhelming. If you focus on just one area or room, then move to another only when you’re finished, you’ll likely work more efficiently.

Follow the six-month rule. Generally, if you haven’t used something in six months (with the exception of seasonal items), it’s a good idea to consider throwing it away or donating it.

Don’t forget the kitchen. Just like other rooms, your kitchen likely has things that haven’t been used in some time — and this includes food in the refrigerator or freezer. Give those appliances a thorough cleaning and get rid of anything you won’t be eating.

Set yourself up for success. Paper clutter is something we all could probably cut back on pretty easily. Setting up a few recycling bins throughout the house gives you a convenient alternative to just setting that old magazine or paperwork down somewhere and watching the pile grow.

Make some money! Of course, the spring cleaning garage sale is a tradition for many homeowners, and can be a great way to bring in some extra income. Talk about a win-win situation — you get rid of stuff you don’t need, and someone pays you for it!
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Stay safe. When you’re cleaning or maintaining your home, be mindful of the physical risks involved. Lift with your leg muscles, not your back. Avoid prolonged repetitive motions. Use ladders, lawnmowers and other dangerous tools with caution.
 
Contact Us!
 
For further questions and assistance, please contact Dave Trout at Trout Insurance 828.279.4681 or [email protected]

ASHEVILLE, N.C. -- The cost of health insurance continues to rise despite the efforts of the Affordable Care Act. 

Now, some healthcare providers are teaming up to develop a new lower cost way to offer coverage. Health insurance premiums on average next year are jumping about 10 percent across the nation, according to the Kaiser Family Foundation. READ MORE...

HIGHLIGHTS....

• Small businesses with fewer than 25 employees can receive substantial tax credits for insuring their employees
• When picking a plan, choose one that most doctors will accept, seminar leader says
• The 2016 penalty for the uninsured jumps to $695 or 2.5 percent of one’s salary, whichever is greater.

​Read more....

OPEN ENROLLMENT BEGINS NOVEMBER 1ST....
...and lots of folks have question about The Health Insurance Marketplace.  We're here to help!
 
Dave Trout will be hosting 2 seminars to provide you with answers.
 
We will discuss -

• How the Marketplace will renew your Premium Discount Tax Credit
• New options from the insurance companies and how they work with your doctor
• Choosing the most effective plan for you - Compare & Save
• Express Lane Enrollment - under 5 minutes.  NO KIDDING!

 
WHEN: Thursday, Oct 15th
TIME: 5.30 pm
WHERE: Jubilee Community meeting room
(Please enter at the Patton Ave entrance, next to Jack of the Wood.)
No registration is required –
but we would like to get an idea of attendance.