Hey There! My name is Fred (see, that's me in the picture) and this is my blog - "Nose to the Ground with the Insurance Hound". I used to live a comfortable life - sleeping on the couch, eating MilkBones and (occasionally) digging out from my backyard - until my people realized I had a nose for news. I suppose that's part of being a Beagle. Anyway, now I work to track down important insurance news and happenings to share with you here - on my blog. If I dig up anything interesting and you want more information or have questions for me, you can email me. My email address is bigears@mcdonaldmcgarry.com. And one of my people told me about this thing called Twitter - you can follow me there too! My username is @FredBeagle (Click for My Link). Look forward to sharing with you! -Fred June 10, 2010 Hey there everyone, it's Fred the Insurance Hound again. Do you know what today is (other than a good day for dog treats, of course)? Today, Thursday, June 10, 2010 is the day that Washington State's new CELL PHONE BAN goes into effect! From today on, drivers have to use a hands-free device behind the wheel, and if they're under 18 they can't use cell phones at all! Here's the deal. If a police office or State Trooper sees you using your handheld phone to text, email or are talking with it to your ear, they can pull you over even if you aren't breaking any other rules! So even if you have your seatbelt buckled and are driving the speed limit, talking on your phone can STILL get you busted. And trust me, having been busted before (with my good friend Chloe) I can tell you it isn't really that much fun. With the new law, getting caught sending a text or making a call can cost you $124. That's a pricey conversation, let me tell you. But there is something you CAN do to make sure you can still talk and cruise the roads. Get a hands-free device, like a Bluetooth or other earpiece. They are sold at most phone stores and connect wirelessly. Just pop it in your ear and both hands are able to maneuver your vehicle safely. The rules against texting, emailing and gazing at my picture as the background on your phoen are still in place - taking your eyes off the road for even a moment is dangerous. So remember, hang up or pay up. As your Insurance Hound it is my job to hound out information you need to know! Just in case you're still confused, I have added some questions published June 6, 2010 in The Everett Herald below if you need more clarification. Till next time, Fred Beagle General Information on the Law (from The Everett Herald) Q) Who does the law cover? Almost anyone holding a cell phone to an ear while driving. If you are using that phone or another wireless communication device to read, manually write or send a text message, you'll be in violation too. Those under 18 with a learner's permit or an intermediate license cannot use a cell phone or texting device while driving, period. Q) Who is exempt? People operating emergency vehicles - police officers, firefighters and paramedics as well as tow truck drivers responding to a disabled vehicle and bus drivers contacting dispatchers with time sensitive information. Also, people with hearing aids can continue to use hand-held phones. Q) Aren't there some exceptions for everyone? Yes. Any person reporting a crime or phoning for emergency help won't be ticketed for having a hand-held phone at their ear. Q) Does this totally ban cell phone use while driving? No. A phone operated with a hands-free device is legal. People also won't likely be ticketed for holding a phone away from their ear and talking on it in speaker mode. Q) How much is the ticket? $124 Q) Can I pull over to the side of the road and call? No. Washington State Patrol troopers expect to see more people pulling over on the side of the freeway to use a cell phone. In most cases, that's illegal and could cost you $124, trooper Keith Leary said Monday. Existing state law prohibits drivers from stopping alongside most major freeways except in emergencies, unless otherwise posted, state Department of Transportation spokeswoman Melanie Coon said. Q) Who else does this? California, Connecticut, New Jersey, New York, Oregon and Washington, D.C. have similar laws regarding cell phones, according to the National Conference of State Legislatures. Maryland will join the group this fall. -"No more leeway on cell phones: Talking on a hand-held phone while driving can earn you a ticket starting Thursday, even if you're not breaking any other laws" by Jerry Cornfield. Published Sunday, June 6, 2010 in The Everett Herald. May 27, 2010 Hey there, Fred Beagle writing to you. My people went traveling again...can you believe it? Everyone thinks it's easy to be the one left behind. Sure, I don't have to pack a suitcase, get a haircut or go through security...but again, hello, the one left behind. Of course, they always have a great house sitter for us, lots of treats, and come home with that vaguely guilty look on their faces, but did I mention I didn't get to go to Rome? Did I get to see the wonders of the Vatican? Was my picture taken at the Pantheon? Can a Beagle be a flower dog in St. Peter's Basilica? We shall never know, because I was the one left behind. I try not to let it bother me, a quick nap and I've forgotten anyway, but I have observed that the family goes throught quite a lot of routines before they head to the airport. Take the newspaper for example...I happen to look forward to my morning bark as Delivery Guy throws the paper on the porch. Doesn't happen when the people travel. And mail, afternoons are a lot more interesting when I have a heart healthy bark at the little white truck when it stops. Not happening. Then there's the list of emergency contacts, the most important being the vet of course, along with phone numbers of the hotel posted on the fridge. Katy the Retriever had a have a quick check up before the people left since she is old and cranky. It is always important if you are traveling a long distance or for an extended amount of time, to make sure we canines are in good shape and that our vet knows you are on the road. Since I don't like car rides, I can't imagine planes are a whole lot more fun, so I am not really complaining about being left behind. It would be kind of nice to be in some of the famly pcitures as they're drinking wine and throwing coins in the fountain. Or, to have walked around the piazzas eating gelato (have no clue you hold that little spoon) listening to music and enjoying the warm night air. But, then again, who would be in charge of the house while they're gone? So, instead of feeling I was left behind, I have decided to elevate my status to Canine Security. My people can have peace of mind and I have a real excuse to bark at anything that moves on our street. Sounds like a win-win to me. Although, we are getting painfully close to working here, so I must be very careful. 'Till summer I remain, newly appointed Canine Security, and your Faithful Insurance Beagle,Fred April 28, 2010 Hey There, Happy Spring! Can you believe the luck we've had with sunshine over the past few weeks? I know it's not been all that warm lately, but I've ben able to find a few sunny spots (between the small rainstorms) to nap in around the house. That's my kind of day. We also had a really great day around McDonald McGarry Insurance last weekend. Our office hosted our annual Shredding Event last Saturday and John and Sandy let me come! It was so nice to meet everyone- apparently I have a few fans out there who were eager to see me. Since I'm not around the office much anymore - barking got me busted - I don't get to meet many of our clients. Public appearances can wear a dog out though. I was literally caught napping in the garage between visitors. Identity theft is one of the big crimes in Washington. I've heard a lot of people have had problems with dumpster diving (and I always heard it was a benign sport, looking for meat scraps and such) and their sensitive information being used to steal all sorts of things. That's why my people thought it was a great idea to invite everyone to our office for a day of shredding. Because here at McDonald McGarry we believe in protecting your assets - and your identity is definitely a big asset. Well, I have to go now...looks like there's some great sun to catch before the clouds roll in. And thanks again for stopping by the Shredding Event. Those folks at Grange sure were nice to help us put that together. Until Next Time,Fred P.S. Look for information on our Flag Recycle happening in June in the newsletter and on our website coming soon! March 29, 2010 It's Good to Be a Dog...We Don't Do Maintenance! It's a great time of year to be a beagle...dry days outdoors, new smells all over the yard and a bit of sunshine to bathe in now and again. Personally, give me a warm spring afternoon laying on the deck with the sun on my tummy and I am a happy camper. But along with the blessings of spring come all the "to dos". Watching John work around the yard last weekend, I am so glad I'm not the worker bee around here. While I'm dilligently checking the perimeter for security breaches, aka squirrels on the loose, folks are getting out their ladders to clear gutters, trim broken branches from windblown trees and are tuning up the old lawnmowers. Around our house, I love the sound of the lawnmower - it signals time to start the great game Katy the Retriever and I play where we drop balls in front of the mower while John tries to mow - hours of canine entertainment. Every homeowner knows that with a house comes a commitment to maintenance. Without good maintenance, you are leaving yourself open to all sorts of complications and unneccessary expense. While your homeowners policy is there for you come wind, rain or fire, etc...It just seems like you don't want to be turning in claims for situations that could have been taken care of with a little preventative maintenance. Gotta tell you though...just the idea of working that hard exhausts me. That would explain, of course, why so few beagles in your neighborhood are proud homeowners. A beagle's idea of a busy day around the house consists of following the sun across the deck, while keeping one large ear open for incoming squirrels. It's finally dawned on me the chances of catching one of the darn crows was pretty slim, but I still have those trespasser squirrels in my sights... So while you are taking advantage of this great time of year to start your spring cleanup, make sure you are looking around your property for all sorts of problems. Clean your gutters and take a good look at your roof, look at the seals around your windows for winter water leaks and check your walkways for slippery moss or overgrown vegetation. And check your fence...not that I personally would have done anything of the sort but I have heard rumors of some dogs that may have chewed through a section of fence on a particularly boring day or they may have dug a hole or two into which folks could fall. And by the way, can I just say thanks for all my new friends? The pictures and your notes were just great. I do not believe that I better looking group of dogs could be found anywhere. Just think, pretty soon our group could be texting, twittering and drinking Frappucinos at Starbucks. OK, probably not, due to the lack of canine thumbs and an inability to drink from a straw, but hey, we are still cool. Till Next Time, Fred February 1, 2010 You Gotta Have Friends...Right? With the holidays behind us, I don't know about you guys, but things have gotten a little quiet around ourhose. Fewer visitors mean fewer friends for me...I mean it's not like I can wake up in the morning, take a quick shower, grab the car keys and meet a buddy for breakfast. Leaving aside the fact that I can't see over the steering wheel, and there is no auto insurance in the world that is going to provide coverage for a Beagle as a named insured, and restaurants tend not to appreciate the canine clientele. So my circle of friends is pretty well limited to drop-ins, walkers or going out on visits. In the canine world, as for most people, it's all about friends. The grass seems greener, the air has all sorts of new scents and, really, is there anything better than sharing a good bark? It gets your blood flowing, drives your people crazy and bonds you to your canine buddy. While my sidekick Katy the Golden Retrieverr lives right at home wiht us, I am also fortunate to have drop-in visitors. Gilley, a fiesty little Westie, lives just up the street with the Grandparents and comes by for all the major get-togethers and summer play dates. Apparently since winter visits are by nature housebound, they are not well tolerated by those who may not enjoy the furniture and rug rearrangement that tends to happen when the Gilster and I hang indoors. And, of course, you're familar with Chloe, my BFF who stays with us when here people hit the road. Moses, a docile rescue dog, comes by occaisonally when his people are walking, and it's always fun when Butch the Springer Spaniel from across the street stops by to exchange smells. Friends are also what keeps me ear deep in dog treats. Friends refer their friends here to the insurance office and the next thing you know, I have a whole new bag of Pupperonis. But, since I can always use more friends, I'd love to check out your canine companion. Yes, send us the cutest picture you have of your dog for a chance to be my BFF. You can send the snapshots by email, fax or snail mail. All dogs are eligible and I am guessing there are a lot of winners out there. Wow, this can be like a canine dating service. Maybe I'll even get a reality show out of this...and get to attend a dinner at the White House to meet the first dog, Bo. Not sure if the red dress will fit, but hey, a bowtie with my best fur and I am nothing short of dashing. So send us your favorite dog picture and the winners will be announced in the March newsletter. Until then, I remain, your humble Insurance Hound. Fred January 12, 2010 Hey There, Fred Beagle here. Sorry I haven't written in a while. The holidays were so busy for me! All of the people to bark at, all the presents to smell and, most importantly, all of the leftovers for me. Thanksgiving is almost as good as Christmas, if you know what I mean. Unfortunately, this holiday season has been rather rought on me - and would explain why I haven't been blogging. In December, I came down with the dreaded Beagle Disease. Apparently, and much to the surprise of my people, beagles have bad backs. All that laying around and random bouts of barking cause us to slip discs in our backs. Well a few days before Christmas, I was watching television on my couch (I think Iron Chef America was on - I do love a good battle in Kitchen Stadium) and suddenly I couldn't move my back! I was stuck. So my people bundled me up, put me in the car, and took me to the Veterinary Emergency Room. I was home a few hours later, full of pain medication and something to make my back better. Turns out, I had slipped three discs! Not only was my back injured, but my dignity was too. Because my spine was injured in a few different places, I had to keep it immobile - meaning my people had to carry me from couch to floor to couch to food. The worst part - I couldn't get to the windows to bark! I was supported by pillows and blankets and spent my holidays watching movies. Anyway, now that it's a new year I am back on my feet - all four of them. Expect ot hear lots from me in 2010. After a brief stint on the disabled list, I am back and it's nose to the ground! Until next time, Fred October 27, 2009 Hey There, Fred Beagle, Insurance Hound, writing from the very wet Pacific Northwest. We have had so much rain here over the past few weeks! I am not a big fan of the great outdoors so the inclement weather has not been to my liking, let me tell you. But I discovered something I had to share. I was napping on the couch one evening when my family started talking about umbrellas. I assumed since it was raining they were talking about those things humans use to keep themselves dry - like actual umbrellas. Then they started talking about lawsuits and liabilities and protection and other big words I couldn't quite make sense of. I realized they were discussing umbrella policies - not bumbershoots. Since I was a little confused, I thought I'd do a little research and sniff out some information to give you. McDonald McGarry Insurance is a part of the National Society of Agents for Consumer Education and they have a lot of information about umbrellas that can protect you from more than just the rain. I found an article that cleared things up for me and here's what I learned. One of the big questions that people have is why would they need an umbrella policy when they already have protection from their home or auto policy. Well, take this example: you are in an auto accident, and your policy has a per-person liability limit of $100,000. The driver or passenger in the other car has been awarded $250,000 for the accident. What happens now? If you don't have an umbrella policy, you will be on the hook for all costs about the $100,000 - so $150,000! Even a Beagle knows that's a lot of money. BUt if you have umbrella coverage, it will pay for the $150,000 (except for your deductible). Pretty smart, right? Umbrella policies can also come with what is called "Personal Injury" protection. This protects you from damage you may cause to someone's career or reputation or invasion of privacy, wrongful entry, wrongful eviction, false arrest, false imprisonment, and malicious prosecution. Some umbrella policies will even protect you if you are involved in a civic, charitable or religious organization and are sued for your work there. A wise insurance agent once said, "If insurance is for a rainy day, then umbrella insurance is for a storm!" With the crazy weather we're having it might be time to think of more than one type of umbrella. Call my people at McDonald McGarry Insurance to see if an umbrella is a good option for you. Meanwhile, I'm getting back to the couch to wait for the storm to pass... Until Next Time, Fred September 30, 2009 Hello Again! As we continue on with the adventures of Fred Beagle, Insurance Dog, I have to tell you, my life has really changed. Yes, I still have quality couch time and barking remains my reason for living, but now folks know me. I'm like famous. OK, not famous...perhaps well known to clients would be more accurate. And unfortunately, well known also to those fine folks at the Edmonds Police Department. Due to a bad decision, I now have a record, and we're not talking music here. Like many folks over the summer, I recently had a houseguest. Chloe, a beautiful long-legged Collie/Shepard mix stays with us when her people travel. Now, Chloe likes a little adventure in her day, and I sure didn't want to look foolish or get left behind, so in spite of our Pet System collars, we dug out under the back fence and went off to explore the world. Of course, seeing the world came to a screeching halt when we met one of Edmonds' Finest. Apparently the folks we kept barking at didn't appreciate it, and realized we were escapees. When the patrol car arrived, Chloe jumped right in - can you believe it? Personally, I am not a car kind of guy, so I held my ground. Not a good plan. The next thing you know, Officer Dawg shows up with the paddy wagon and we were busted. Having already mentioned my aversion to cars, you can imagine my horror when I realized we were being transported in small compartments in the back of a dog truck. I swore then and there that my days of crime were over. No matter what my canine friends came up with, I knew I wasn't going back to the big house. As a Beagle used to a life of comfort, the stress of being treated like a common dog was simply too much. Who would have ever thought peer pressure could get a copule of dogs into an afternoon of trouble? With fall being "back to school" time, you realize teenagers can be facing the same issue. Take a 16 year old with a license, add in peer pressure and you can start to see how too many kids in a car, showing off behind the wheel and blowing off a curfew an happen. Teen driving is always a concern around McDonald McGarry Insurance. Many of our companies have teen driving programs, we have a video we can loan out about driving dangers plus we work with your family to make sure we have just the coverage you need. As much as I dislike cars, even a Beagle knows the importannce of talking with your teen about all those rules and expectations. And we have the perfect tool for you...a Teenage Driving Contract. It's simple! The young driver and parents sit down, go over the ground rules and sign the contract. We've enclosed a copy with our newsletter this month or you can click HERE to get a copy of the contract. Is it possible that dogs can be teenagers as well? I celebrated my 5th birthday this summer, and as I seem to recall, you multiply that by one formula or another and bingo..Well, that could explain a lot, I might be a teenager. Or a middle-aged guy with a bad haircut and no common sense. Either way, I have learned my lesson. This Beagle is staying on the straight and narrow and not giving in to peer pressure. Of course, a squirrel going by is quite another issue. Until Next Time, Fred September 9, 2009 Hey There! It's Fred Beagle - your trusty insurance hound - again. Can you believe that it's back to school season already? I just sent my boy (the one who took me camping a few weeks ago) to school for his first day. He's a senior in high school. Crazy, isn't it? But this whole back-to-school thing got me to thinking, and I realized that this is the last first day of school I get to spend with my kid. Next year, he'll be far away at college, and I'll be here digging up insurance tips for you. I'll have the bed all to myself, he won't be there to give me breakfast and I just don't know what I am going to do. The whole thing makes me very sad, and I have to go chase squirrels just to feel better. This happens to humans every fall, I suppose. I mean, so many kids start college and take off with all their stuff to these far away places (and beagles aren't allowed, can you imagine!). From an insurance perspective this is a very important time! The kids are far away, and you are here but what if something happens to them or their belongings? Do you know if you're covered? And some kids frive their cars to their schools - I know the other kid in our house, Meagan, drove her car to college for a few years - and that is a whole different story. It is imperative that you make sure that you are informed and well protected. As your source for insurance tips and tricks, I thought I'd remind you that as school is starting and the leaves are changing, to talk to the fine people at McDonald McGarry Insurance about any changes in where your students are living, or driving, or studying. All I ask is that if you ahve any tips to get over missing your college student...please share. I will be one heartbroken puppy next August. Until next time, Fred August 12, 2009 Hello again, You'll never believe where I went this week! I was camping with my people in Eastern Washington. I've never been camping before, but let me tell you, it is a lot of fun. There are new smells, and dirt and all sorts of people. I never realized how much stuff humans have to take when they go camping. They have sleeping bags and cots, and grills and pots and pans. This time my people even packed food and dishes for me. When we were all packed up and almost ready to go, I went back into our house and guess what? There was still a bunch of stuff in there! I had no idea there was so much in my house! While I was in the car on the way to the campground, I realized that most people probably don't know all the things in their home and how much they're worth. Do you? One of the hot tips I overheard while I was in the office one day - before they kicked me out for barking - was how people need to keep track of theri possessions for accurate value and replacement in the event of a claim. So I dug around (and not out of my backyard for a change) and found some helpful tips so you can learn the value of your stuff! There is a website - www.knowyourstuff.org - put together by the Insurance Information Institute that has a very easy, dowloadable software that does it all for you. If you're adventurous - like me - you can take your own inventory. Just follow these steps: 1) Start with one room (You would eat a rawhide chew one bite and a time and you can do your inventory one room at a time.) Don't overwhelm yourself. If you have family members, get them involved. 2) Sit down and make a list. Then go back and include serial numbers, model numbers, estimated value and estimated replacement cost. If need be, go window shopping at the mall or on the internet and see what that cost would be. 3) Make notes about items. Family heirlooms? A special gift that can't be replaced? Has it been appraised? Where did you get it? List that information. It is especially important for jewely, furs and other unusual items. 4) Take pictures of videos. In this time of so many electronic gadgets, this should be fairly easily (except for beagles - we're not so good with the small buttons). If you don't have a digital camera, borrow one from someone who does. Consider video-taping each room. You might even consider filming a family member talking about the unique items. If you have hard copy photos, scan them to your computer and then burn them to a disc. 5) Make several copies of your inventory. The website I put above has disc storage available. Or give the person who has a copy of your will a copy of your inventory. Trade inventories with a trusted friend or family member and put a copy in your bank box or safe deposit box too. 6) Keep your inventory updated! The more accurate you are, the easier it can be! As you can see, work for the Insurance Hound never stops. Even when I'm on vacation with my family, I'm still digging up the good tips for you. Speaking of tips, here's another one I'd like to share: watch out for chipmunks when you go camping! They spent most of their time laughing at me - not too pleasant for a dog who wants to keep his dignity. Here's wishing you many adventures, and reminding you to call my staff at McDonald McGarry whenever you have questions or concerns! Until next time, Fred July 29, 2009 Hey there, Wow, is it warm here in Edmonds where I live! Normally, when it's nice outside one of my favorite things to do is lay in the sun - not that I tan or anything. I just like warm places. But it was really hot this week. In this place called Seattle (my people say it's close by) there will be record breaking high temperatures. And that is my favorite kind of weather. But the thing is, I started not to feel so good the other day as I lay on my deck in the sun.I tried drinking water, and panting a lot, but I had to go inside and cool down. Just like humans have to. Until I was back to my normal self (charming as ever, of course) I thought there was something seriously wrong with me. Which got me to thinking...what if there actually WAS something wrong with me? I am quite the curious dog, so I get myself into scrapes every now and then. Occasionally I eat some bad grass or a bug, or I trip over something when I'm tracking a juicy scent. Knock on your food bowl nothing bad has happened yet. My people have this thing called Health Insurance so why can't I have Pet Insurance? So I nosed around a bit (as is my job) and found that MetLife Auto and Home has insurance for furry family members just like me. It was so exciting, I had to share! I know my neighborhood is full of cats and dogs so I think other people would want to know that they can help protect their pets. I convinced one of my staff members at the office to put this page together so that you can find out all you need about the MetLife Pet Insurance program, just click HERE and learn! Anyway, back to the sun. It's hitting my favorite spot in the whole backyard. Just ask the people here at McDonald McGarry Insurance about the Pet Insurance programs and options. They're great at explaining all sorts of things (except why I can't bark at dogs walking by the office). Until next time, Fred July 22, 2009 Hello...I guess I should introduce myself since it appears I am now a working canine (and this is my first column!). Fred Beagle, Insurance Dog. Used to be, I just slept on beds, ate good stuff and chased a light around the floor. That was pretty much my day. Next thing you know, the economy changes and suddenly it's all paws on deck...yes, after for years of ignorance of the daily grind, I find myself the office mascot. Sure, I'm pretty handsome. I have huge ears, big brown eyes and a pretty good lookin' coat, so folks tend to make a fuss over me. And, yes, you might say that I'm observant....it's not like I have a whole lot of other responsibilities, so watching the world go by is a no-brainer. Did I mention I'm a telecommuter? Trendy Beagle that I am, I have found that since they locked me out of the office for barking, I can just as easily work from home. While in the office, I simply felt security was an important part of my job and when people used the sidewalk I let them know it was our property. Okay, I might have been a little excessive. It's not like I ever bit anyone... Right now, I am trying to figure out how reasonably intelligent people, those who are supposed to be brighter than the average dog, repeat the same mistakes again and again. For example, ever notice how many folks drive around with those rock chip "stars" in their windshields? Even a dog knows that's an easy fix. Simply have it filled, your deductible is waived and you're home free. And it seems to me that if you had the option of mailing your check to an insurance company every month or having it withdrawn from your account automatically at no charge, the choice would be obvious. It's called EFT and apparently the greatest thing since chicken-flavored milkbones. Just ask my staff about it...OK, not really my staff. Just ask the people here at McDonald McGarry Insurance about it - they seem to know a lot about cars and payments. Until next time, Fred
Hey There!
My name is Fred (see, that's me in the picture) and this is my blog - "Nose to the Ground with the Insurance Hound". I used to live a comfortable life - sleeping on the couch, eating MilkBones and (occasionally) digging out from my backyard - until my people realized I had a nose for news. I suppose that's part of being a Beagle. Anyway, now I work to track down important insurance news and happenings to share with you here - on my blog. If I dig up anything interesting and you want more information or have questions for me, you can email me. My email address is bigears@mcdonaldmcgarry.com. And one of my people told me about this thing called Twitter - you can follow me there too! My username is @FredBeagle (Click for My Link). Look forward to sharing with you!
-Fred
June 10, 2010
Hey there everyone, it's Fred the Insurance Hound again. Do you know what today is (other than a good day for dog treats, of course)? Today, Thursday, June 10, 2010 is the day that Washington State's new CELL PHONE BAN goes into effect! From today on, drivers have to use a hands-free device behind the wheel, and if they're under 18 they can't use cell phones at all!
Here's the deal. If a police office or State Trooper sees you using your handheld phone to text, email or are talking with it to your ear, they can pull you over even if you aren't breaking any other rules! So even if you have your seatbelt buckled and are driving the speed limit, talking on your phone can STILL get you busted. And trust me, having been busted before (with my good friend Chloe) I can tell you it isn't really that much fun. With the new law, getting caught sending a text or making a call can cost you $124. That's a pricey conversation, let me tell you.
But there is something you CAN do to make sure you can still talk and cruise the roads. Get a hands-free device, like a Bluetooth or other earpiece. They are sold at most phone stores and connect wirelessly. Just pop it in your ear and both hands are able to maneuver your vehicle safely. The rules against texting, emailing and gazing at my picture as the background on your phoen are still in place - taking your eyes off the road for even a moment is dangerous.
So remember, hang up or pay up. As your Insurance Hound it is my job to hound out information you need to know! Just in case you're still confused, I have added some questions published June 6, 2010 in The Everett Herald below if you need more clarification.
Till next time, Fred Beagle
General Information on the Law (from The Everett Herald)
Q) Who does the law cover?
Almost anyone holding a cell phone to an ear while driving. If you are using that phone or another wireless communication device to read, manually write or send a text message, you'll be in violation too. Those under 18 with a learner's permit or an intermediate license cannot use a cell phone or texting device while driving, period.
Q) Who is exempt?
People operating emergency vehicles - police officers, firefighters and paramedics as well as tow truck drivers responding to a disabled vehicle and bus drivers contacting dispatchers with time sensitive information. Also, people with hearing aids can continue to use hand-held phones.
Q) Aren't there some exceptions for everyone?
Yes. Any person reporting a crime or phoning for emergency help won't be ticketed for having a hand-held phone at their ear.
Q) Does this totally ban cell phone use while driving?
No. A phone operated with a hands-free device is legal. People also won't likely be ticketed for holding a phone away from their ear and talking on it in speaker mode.
Q) How much is the ticket?
$124
Q) Can I pull over to the side of the road and call?
No. Washington State Patrol troopers expect to see more people pulling over on the side of the freeway to use a cell phone. In most cases, that's illegal and could cost you $124, trooper Keith Leary said Monday. Existing state law prohibits drivers from stopping alongside most major freeways except in emergencies, unless otherwise posted, state Department of Transportation spokeswoman Melanie Coon said.
Q) Who else does this?
California, Connecticut, New Jersey, New York, Oregon and Washington, D.C. have similar laws regarding cell phones, according to the National Conference of State Legislatures. Maryland will join the group this fall.
-"No more leeway on cell phones: Talking on a hand-held phone while driving can earn you a ticket starting Thursday, even if you're not breaking any other laws" by Jerry Cornfield. Published Sunday, June 6, 2010 in The Everett Herald.
May 27, 2010
Hey there,
Fred Beagle writing to you. My people went traveling again...can you believe it? Everyone thinks it's easy to be the one left behind. Sure, I don't have to pack a suitcase, get a haircut or go through security...but again, hello, the one left behind. Of course, they always have a great house sitter for us, lots of treats, and come home with that vaguely guilty look on their faces, but did I mention I didn't get to go to Rome? Did I get to see the wonders of the Vatican? Was my picture taken at the Pantheon? Can a Beagle be a flower dog in St. Peter's Basilica? We shall never know, because I was the one left behind.
I try not to let it bother me, a quick nap and I've forgotten anyway, but I have observed that the family goes throught quite a lot of routines before they head to the airport. Take the newspaper for example...I happen to look forward to my morning bark as Delivery Guy throws the paper on the porch. Doesn't happen when the people travel. And mail, afternoons are a lot more interesting when I have a heart healthy bark at the little white truck when it stops. Not happening. Then there's the list of emergency contacts, the most important being the vet of course, along with phone numbers of the hotel posted on the fridge. Katy the Retriever had a have a quick check up before the people left since she is old and cranky. It is always important if you are traveling a long distance or for an extended amount of time, to make sure we canines are in good shape and that our vet knows you are on the road.
Since I don't like car rides, I can't imagine planes are a whole lot more fun, so I am not really complaining about being left behind. It would be kind of nice to be in some of the famly pcitures as they're drinking wine and throwing coins in the fountain. Or, to have walked around the piazzas eating gelato (have no clue you hold that little spoon) listening to music and enjoying the warm night air. But, then again, who would be in charge of the house while they're gone? So, instead of feeling I was left behind, I have decided to elevate my status to Canine Security. My people can have peace of mind and I have a real excuse to bark at anything that moves on our street. Sounds like a win-win to me. Although, we are getting painfully close to working here, so I must be very careful.
'Till summer I remain, newly appointed Canine Security, and your Faithful Insurance Beagle,Fred
April 28, 2010
Hey There,
Happy Spring! Can you believe the luck we've had with sunshine over the past few weeks? I know it's not been all that warm lately, but I've ben able to find a few sunny spots (between the small rainstorms) to nap in around the house. That's my kind of day.
We also had a really great day around McDonald McGarry Insurance last weekend. Our office hosted our annual Shredding Event last Saturday and John and Sandy let me come! It was so nice to meet everyone- apparently I have a few fans out there who were eager to see me. Since I'm not around the office much anymore - barking got me busted - I don't get to meet many of our clients. Public appearances can wear a dog out though. I was literally caught napping in the garage between visitors.
Identity theft is one of the big crimes in Washington. I've heard a lot of people have had problems with dumpster diving (and I always heard it was a benign sport, looking for meat scraps and such) and their sensitive information being used to steal all sorts of things. That's why my people thought it was a great idea to invite everyone to our office for a day of shredding. Because here at McDonald McGarry we believe in protecting your assets - and your identity is definitely a big asset.
Well, I have to go now...looks like there's some great sun to catch before the clouds roll in. And thanks again for stopping by the Shredding Event. Those folks at Grange sure were nice to help us put that together.
Until Next Time,Fred
P.S. Look for information on our Flag Recycle happening in June in the newsletter and on our website coming soon!
March 29, 2010
It's Good to Be a Dog...We Don't Do Maintenance!
It's a great time of year to be a beagle...dry days outdoors, new smells all over the yard and a bit of sunshine to bathe in now and again. Personally, give me a warm spring afternoon laying on the deck with the sun on my tummy and I am a happy camper. But along with the blessings of spring come all the "to dos". Watching John work around the yard last weekend, I am so glad I'm not the worker bee around here.
While I'm dilligently checking the perimeter for security breaches, aka squirrels on the loose, folks are getting out their ladders to clear gutters, trim broken branches from windblown trees and are tuning up the old lawnmowers. Around our house, I love the sound of the lawnmower - it signals time to start the great game Katy the Retriever and I play where we drop balls in front of the mower while John tries to mow - hours of canine entertainment.
Every homeowner knows that with a house comes a commitment to maintenance. Without good maintenance, you are leaving yourself open to all sorts of complications and unneccessary expense. While your homeowners policy is there for you come wind, rain or fire, etc...It just seems like you don't want to be turning in claims for situations that could have been taken care of with a little preventative maintenance. Gotta tell you though...just the idea of working that hard exhausts me. That would explain, of course, why so few beagles in your neighborhood are proud homeowners. A beagle's idea of a busy day around the house consists of following the sun across the deck, while keeping one large ear open for incoming squirrels. It's finally dawned on me the chances of catching one of the darn crows was pretty slim, but I still have those trespasser squirrels in my sights...
So while you are taking advantage of this great time of year to start your spring cleanup, make sure you are looking around your property for all sorts of problems. Clean your gutters and take a good look at your roof, look at the seals around your windows for winter water leaks and check your walkways for slippery moss or overgrown vegetation. And check your fence...not that I personally would have done anything of the sort but I have heard rumors of some dogs that may have chewed through a section of fence on a particularly boring day or they may have dug a hole or two into which folks could fall.
And by the way, can I just say thanks for all my new friends? The pictures and your notes were just great. I do not believe that I better looking group of dogs could be found anywhere. Just think, pretty soon our group could be texting, twittering and drinking Frappucinos at Starbucks. OK, probably not, due to the lack of canine thumbs and an inability to drink from a straw, but hey, we are still cool.
Till Next Time, Fred
February 1, 2010
You Gotta Have Friends...Right?
With the holidays behind us, I don't know about you guys, but things have gotten a little quiet around ourhose. Fewer visitors mean fewer friends for me...I mean it's not like I can wake up in the morning, take a quick shower, grab the car keys and meet a buddy for breakfast. Leaving aside the fact that I can't see over the steering wheel, and there is no auto insurance in the world that is going to provide coverage for a Beagle as a named insured, and restaurants tend not to appreciate the canine clientele. So my circle of friends is pretty well limited to drop-ins, walkers or going out on visits.
In the canine world, as for most people, it's all about friends. The grass seems greener, the air has all sorts of new scents and, really, is there anything better than sharing a good bark? It gets your blood flowing, drives your people crazy and bonds you to your canine buddy. While my sidekick Katy the Golden Retrieverr lives right at home wiht us, I am also fortunate to have drop-in visitors. Gilley, a fiesty little Westie, lives just up the street with the Grandparents and comes by for all the major get-togethers and summer play dates. Apparently since winter visits are by nature housebound, they are not well tolerated by those who may not enjoy the furniture and rug rearrangement that tends to happen when the Gilster and I hang indoors. And, of course, you're familar with Chloe, my BFF who stays with us when here people hit the road. Moses, a docile rescue dog, comes by occaisonally when his people are walking, and it's always fun when Butch the Springer Spaniel from across the street stops by to exchange smells.
Friends are also what keeps me ear deep in dog treats. Friends refer their friends here to the insurance office and the next thing you know, I have a whole new bag of Pupperonis. But, since I can always use more friends, I'd love to check out your canine companion. Yes, send us the cutest picture you have of your dog for a chance to be my BFF. You can send the snapshots by email, fax or snail mail. All dogs are eligible and I am guessing there are a lot of winners out there. Wow, this can be like a canine dating service. Maybe I'll even get a reality show out of this...and get to attend a dinner at the White House to meet the first dog, Bo. Not sure if the red dress will fit, but hey, a bowtie with my best fur and I am nothing short of dashing. So send us your favorite dog picture and the winners will be announced in the March newsletter. Until then, I remain, your humble Insurance Hound.
Fred
January 12, 2010
Fred Beagle here. Sorry I haven't written in a while. The holidays were so busy for me! All of the people to bark at, all the presents to smell and, most importantly, all of the leftovers for me. Thanksgiving is almost as good as Christmas, if you know what I mean. Unfortunately, this holiday season has been rather rought on me - and would explain why I haven't been blogging. In December, I came down with the dreaded Beagle Disease. Apparently, and much to the surprise of my people, beagles have bad backs. All that laying around and random bouts of barking cause us to slip discs in our backs. Well a few days before Christmas, I was watching television on my couch (I think Iron Chef America was on - I do love a good battle in Kitchen Stadium) and suddenly I couldn't move my back! I was stuck. So my people bundled me up, put me in the car, and took me to the Veterinary Emergency Room. I was home a few hours later, full of pain medication and something to make my back better. Turns out, I had slipped three discs! Not only was my back injured, but my dignity was too. Because my spine was injured in a few different places, I had to keep it immobile - meaning my people had to carry me from couch to floor to couch to food. The worst part - I couldn't get to the windows to bark! I was supported by pillows and blankets and spent my holidays watching movies. Anyway, now that it's a new year I am back on my feet - all four of them. Expect ot hear lots from me in 2010. After a brief stint on the disabled list, I am back and it's nose to the ground!
Until next time, Fred
October 27, 2009
Fred Beagle, Insurance Hound, writing from the very wet Pacific Northwest. We have had so much rain here over the past few weeks! I am not a big fan of the great outdoors so the inclement weather has not been to my liking, let me tell you. But I discovered something I had to share.
I was napping on the couch one evening when my family started talking about umbrellas. I assumed since it was raining they were talking about those things humans use to keep themselves dry - like actual umbrellas. Then they started talking about lawsuits and liabilities and protection and other big words I couldn't quite make sense of. I realized they were discussing umbrella policies - not bumbershoots. Since I was a little confused, I thought I'd do a little research and sniff out some information to give you.
McDonald McGarry Insurance is a part of the National Society of Agents for Consumer Education and they have a lot of information about umbrellas that can protect you from more than just the rain. I found an article that cleared things up for me and here's what I learned.
One of the big questions that people have is why would they need an umbrella policy when they already have protection from their home or auto policy. Well, take this example: you are in an auto accident, and your policy has a per-person liability limit of $100,000. The driver or passenger in the other car has been awarded $250,000 for the accident. What happens now? If you don't have an umbrella policy, you will be on the hook for all costs about the $100,000 - so $150,000! Even a Beagle knows that's a lot of money. BUt if you have umbrella coverage, it will pay for the $150,000 (except for your deductible). Pretty smart, right?
Umbrella policies can also come with what is called "Personal Injury" protection. This protects you from damage you may cause to someone's career or reputation or invasion of privacy, wrongful entry, wrongful eviction, false arrest, false imprisonment, and malicious prosecution. Some umbrella policies will even protect you if you are involved in a civic, charitable or religious organization and are sued for your work there.
A wise insurance agent once said, "If insurance is for a rainy day, then umbrella insurance is for a storm!" With the crazy weather we're having it might be time to think of more than one type of umbrella. Call my people at McDonald McGarry Insurance to see if an umbrella is a good option for you. Meanwhile, I'm getting back to the couch to wait for the storm to pass...
Until Next Time, Fred
September 30, 2009
Hello Again!
As we continue on with the adventures of Fred Beagle, Insurance Dog, I have to tell you, my life has really changed. Yes, I still have quality couch time and barking remains my reason for living, but now folks know me. I'm like famous. OK, not famous...perhaps well known to clients would be more accurate. And unfortunately, well known also to those fine folks at the Edmonds Police Department. Due to a bad decision, I now have a record, and we're not talking music here.
Like many folks over the summer, I recently had a houseguest. Chloe, a beautiful long-legged Collie/Shepard mix stays with us when her people travel. Now, Chloe likes a little adventure in her day, and I sure didn't want to look foolish or get left behind, so in spite of our Pet System collars, we dug out under the back fence and went off to explore the world. Of course, seeing the world came to a screeching halt when we met one of Edmonds' Finest. Apparently the folks we kept barking at didn't appreciate it, and realized we were escapees. When the patrol car arrived, Chloe jumped right in - can you believe it? Personally, I am not a car kind of guy, so I held my ground. Not a good plan. The next thing you know, Officer Dawg shows up with the paddy wagon and we were busted. Having already mentioned my aversion to cars, you can imagine my horror when I realized we were being transported in small compartments in the back of a dog truck.
I swore then and there that my days of crime were over. No matter what my canine friends came up with, I knew I wasn't going back to the big house. As a Beagle used to a life of comfort, the stress of being treated like a common dog was simply too much.
Who would have ever thought peer pressure could get a copule of dogs into an afternoon of trouble? With fall being "back to school" time, you realize teenagers can be facing the same issue. Take a 16 year old with a license, add in peer pressure and you can start to see how too many kids in a car, showing off behind the wheel and blowing off a curfew an happen. Teen driving is always a concern around McDonald McGarry Insurance. Many of our companies have teen driving programs, we have a video we can loan out about driving dangers plus we work with your family to make sure we have just the coverage you need. As much as I dislike cars, even a Beagle knows the importannce of talking with your teen about all those rules and expectations. And we have the perfect tool for you...a Teenage Driving Contract. It's simple! The young driver and parents sit down, go over the ground rules and sign the contract. We've enclosed a copy with our newsletter this month or you can click HERE to get a copy of the contract.
Is it possible that dogs can be teenagers as well? I celebrated my 5th birthday this summer, and as I seem to recall, you multiply that by one formula or another and bingo..Well, that could explain a lot, I might be a teenager. Or a middle-aged guy with a bad haircut and no common sense. Either way, I have learned my lesson. This Beagle is staying on the straight and narrow and not giving in to peer pressure. Of course, a squirrel going by is quite another issue.
September 9, 2009
It's Fred Beagle - your trusty insurance hound - again. Can you believe that it's back to school season already? I just sent my boy (the one who took me camping a few weeks ago) to school for his first day. He's a senior in high school. Crazy, isn't it?
But this whole back-to-school thing got me to thinking, and I realized that this is the last first day of school I get to spend with my kid. Next year, he'll be far away at college, and I'll be here digging up insurance tips for you. I'll have the bed all to myself, he won't be there to give me breakfast and I just don't know what I am going to do. The whole thing makes me very sad, and I have to go chase squirrels just to feel better.
This happens to humans every fall, I suppose. I mean, so many kids start college and take off with all their stuff to these far away places (and beagles aren't allowed, can you imagine!). From an insurance perspective this is a very important time! The kids are far away, and you are here but what if something happens to them or their belongings? Do you know if you're covered? And some kids frive their cars to their schools - I know the other kid in our house, Meagan, drove her car to college for a few years - and that is a whole different story. It is imperative that you make sure that you are informed and well protected.
As your source for insurance tips and tricks, I thought I'd remind you that as school is starting and the leaves are changing, to talk to the fine people at McDonald McGarry Insurance about any changes in where your students are living, or driving, or studying. All I ask is that if you ahve any tips to get over missing your college student...please share. I will be one heartbroken puppy next August.
August 12, 2009
Hello again,
You'll never believe where I went this week! I was camping with my people in Eastern Washington. I've never been camping before, but let me tell you, it is a lot of fun. There are new smells, and dirt and all sorts of people.
I never realized how much stuff humans have to take when they go camping. They have sleeping bags and cots, and grills and pots and pans. This time my people even packed food and dishes for me. When we were all packed up and almost ready to go, I went back into our house and guess what? There was still a bunch of stuff in there!
I had no idea there was so much in my house! While I was in the car on the way to the campground, I realized that most people probably don't know all the things in their home and how much they're worth. Do you?
One of the hot tips I overheard while I was in the office one day - before they kicked me out for barking - was how people need to keep track of theri possessions for accurate value and replacement in the event of a claim. So I dug around (and not out of my backyard for a change) and found some helpful tips so you can learn the value of your stuff!
There is a website - www.knowyourstuff.org - put together by the Insurance Information Institute that has a very easy, dowloadable software that does it all for you. If you're adventurous - like me - you can take your own inventory. Just follow these steps:
1) Start with one room (You would eat a rawhide chew one bite and a time and you can do your inventory one room at a time.) Don't overwhelm yourself. If you have family members, get them involved. 2) Sit down and make a list. Then go back and include serial numbers, model numbers, estimated value and estimated replacement cost. If need be, go window shopping at the mall or on the internet and see what that cost would be. 3) Make notes about items. Family heirlooms? A special gift that can't be replaced? Has it been appraised? Where did you get it? List that information. It is especially important for jewely, furs and other unusual items. 4) Take pictures of videos. In this time of so many electronic gadgets, this should be fairly easily (except for beagles - we're not so good with the small buttons). If you don't have a digital camera, borrow one from someone who does. Consider video-taping each room. You might even consider filming a family member talking about the unique items. If you have hard copy photos, scan them to your computer and then burn them to a disc. 5) Make several copies of your inventory. The website I put above has disc storage available. Or give the person who has a copy of your will a copy of your inventory. Trade inventories with a trusted friend or family member and put a copy in your bank box or safe deposit box too. 6) Keep your inventory updated! The more accurate you are, the easier it can be!
1) Start with one room (You would eat a rawhide chew one bite and a time and you can do your inventory one room at a time.) Don't overwhelm yourself. If you have family members, get them involved.
2) Sit down and make a list. Then go back and include serial numbers, model numbers, estimated value and estimated replacement cost. If need be, go window shopping at the mall or on the internet and see what that cost would be.
3) Make notes about items. Family heirlooms? A special gift that can't be replaced? Has it been appraised? Where did you get it? List that information. It is especially important for jewely, furs and other unusual items.
4) Take pictures of videos. In this time of so many electronic gadgets, this should be fairly easily (except for beagles - we're not so good with the small buttons). If you don't have a digital camera, borrow one from someone who does. Consider video-taping each room. You might even consider filming a family member talking about the unique items. If you have hard copy photos, scan them to your computer and then burn them to a disc.
5) Make several copies of your inventory. The website I put above has disc storage available. Or give the person who has a copy of your will a copy of your inventory. Trade inventories with a trusted friend or family member and put a copy in your bank box or safe deposit box too.
6) Keep your inventory updated! The more accurate you are, the easier it can be!
As you can see, work for the Insurance Hound never stops. Even when I'm on vacation with my family, I'm still digging up the good tips for you. Speaking of tips, here's another one I'd like to share: watch out for chipmunks when you go camping! They spent most of their time laughing at me - not too pleasant for a dog who wants to keep his dignity. Here's wishing you many adventures, and reminding you to call my staff at McDonald McGarry whenever you have questions or concerns!
July 29, 2009
Wow, is it warm here in Edmonds where I live! Normally, when it's nice outside one of my favorite things to do is lay in the sun - not that I tan or anything. I just like warm places. But it was really hot this week. In this place called Seattle (my people say it's close by) there will be record breaking high temperatures. And that is my favorite kind of weather.
But the thing is, I started not to feel so good the other day as I lay on my deck in the sun.I tried drinking water, and panting a lot, but I had to go inside and cool down. Just like humans have to. Until I was back to my normal self (charming as ever, of course) I thought there was something seriously wrong with me. Which got me to thinking...what if there actually WAS something wrong with me? I am quite the curious dog, so I get myself into scrapes every now and then. Occasionally I eat some bad grass or a bug, or I trip over something when I'm tracking a juicy scent. Knock on your food bowl nothing bad has happened yet.
My people have this thing called Health Insurance so why can't I have Pet Insurance? So I nosed around a bit (as is my job) and found that MetLife Auto and Home has insurance for furry family members just like me. It was so exciting, I had to share! I know my neighborhood is full of cats and dogs so I think other people would want to know that they can help protect their pets. I convinced one of my staff members at the office to put this page together so that you can find out all you need about the MetLife Pet Insurance program, just click HERE and learn!
Anyway, back to the sun. It's hitting my favorite spot in the whole backyard. Just ask the people here at McDonald McGarry Insurance about the Pet Insurance programs and options. They're great at explaining all sorts of things (except why I can't bark at dogs walking by the office).
July 22, 2009
Hello...I guess I should introduce myself since it appears I am now a working canine (and this is my first column!). Fred Beagle, Insurance Dog. Used to be, I just slept on beds, ate good stuff and chased a light around the floor. That was pretty much my day.
Next thing you know, the economy changes and suddenly it's all paws on deck...yes, after for years of ignorance of the daily grind, I find myself the office mascot. Sure, I'm pretty handsome. I have huge ears, big brown eyes and a pretty good lookin' coat, so folks tend to make a fuss over me. And, yes, you might say that I'm observant....it's not like I have a whole lot of other responsibilities, so watching the world go by is a no-brainer.
Did I mention I'm a telecommuter? Trendy Beagle that I am, I have found that since they locked me out of the office for barking, I can just as easily work from home. While in the office, I simply felt security was an important part of my job and when people used the sidewalk I let them know it was our property. Okay, I might have been a little excessive. It's not like I ever bit anyone...
Right now, I am trying to figure out how reasonably intelligent people, those who are supposed to be brighter than the average dog, repeat the same mistakes again and again. For example, ever notice how many folks drive around with those rock chip "stars" in their windshields? Even a dog knows that's an easy fix. Simply have it filled, your deductible is waived and you're home free. And it seems to me that if you had the option of mailing your check to an insurance company every month or having it withdrawn from your account automatically at no charge, the choice would be obvious. It's called EFT and apparently the greatest thing since chicken-flavored milkbones. Just ask my staff about it...OK, not really my staff. Just ask the people here at McDonald McGarry Insurance about it - they seem to know a lot about cars and payments.
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