Some people view insurance as just another bill, others think of it as some kind of government rip off while others consider insurance a valuable tool to protect their assets. It is true, if you drive a car on public roads or have a mortgage on your home you have to carry some kind of insurance coverage, however, the different types and limits can be confusing if you don’t know what to look for.
If a person with limited assets gets insurance, they commonly buy lower limits of insurance. State minimum in California is 15/30/5 covering the driver for damages they cause up to fifteen thousand dollars per person, thirty thousand dollars for injuries per accident and five thousand dollars for property coverage (car you hit, fence, light pole, etc.). When was the last time you heard of someone going to the hospital and the bill costing less than 15 thousand (full price charged)? Also, I’m still searching for a 2-3 year old car costing less than 5 thousand. If you have not figured it out, a driver should have -more than the minimum for coverage, however, I get frequent comments like “just give me whatever I need to drive” when quoting an insurance rate.
Insurance premiums can be a substantial part of the family budget but it is meant to protect the person hurt because of a brief lapse in judgment or careless mistake. Don’t let one accident ruin a lifetime of hard work. Review, understand and increase your coverage when necessary so when something goes wrong you won’t be dreading that word, insurance.
The most common question when a new driver gets their license is how much is it going to cost? Parents know the cost will be expensive, more for young males than young females, and more if the student does not qualify for a Good Student Discount. Sometimes, the cost of insurance can be the deciding factor of whether or not a teen driver gets behind the wheel.
Call Georgetta Gans, Nency Gonzalez (se hablo espanol) or Brian Walker for more information and to get a quote to.
Another year has come and gone. Some of it was good and some of it well.......here's to another year! As we pack away our Christmas trees and remember what the radio is like without Bing Crosby we have to be aware of the new laws that start in 2014. Below is only a highlight of the new laws that will start in 2014 (because we are California after all and we love laws – I would need three newspapers to print them all) so here we go:
TEEN DRIVERS (SB 194): This law will "prohibit a person who is under 18 years of age from using an electronic wireless communications device to write, send, or read a text-based communication while driving, even if it is equipped with a hands-free device."
AMBER ALERT EXPANSION (AB 535): This law requires law enforcement to request activation of the AMBER Alerts after receiving a report that a child has been taken abducted by anyone, including a custodial parent or guardian, who may cause serious bodily injury or death to the child.
PASSING DISTANCE (AB 1371): This law prohibits motorists from passing a bicycle with less than three feet between any part of the vehicle and any part of the bicycle or driver. When three feet is not possible, the motor vehicle must slow to a reasonable and prudent speed and only pass when no danger is present to the bicyclist. Failing to do so can incur a fine, regardless of a collision or not. This law will go into effect September 16, 2014.
VETERANS LICENSE PLATES (AB 244): The California Department of Veterans Affairs will sponsor a special interest license plate if it meets minimum requirements and pre-sells 7,500 plates.
REGISTRATION AND VEHICLE TRANSFERS BETWEEN FAMILY MEMBERS (AB 443): Want to transfer ownership of a vehicle to a relative or living trust? Pay your parking and toll violation fines and penalties first.
INCREASE IN MIN WAGE (AB10): Raises California’s current minimum wage of $8 per hour by two, one-dollar increments: to $9 per hour effective July 1, 2014, and to $10 per hour effective January 1, 2016.
TIME OFF FOR FIRE/POLICE VOLUNTEERS (AB 11) requires an employer with 50 or more employees to provide a temporary leave of absence of up to 14 days per calendar year for reserve peace officers and emergency rescue personnel to receive training. Current law provided the training leave of absence only to volunteer firefighters. AB 11 also expands the law to cover time off for “emergency rescue training” in addition to the existing protections for fire or law enforcement training.
There are numerous other news laws that impact LLC's, Employers, Workmans Compensation, Farmers, Ranchers, among others. The best thing about new laws is as soon as we get used to them there will new ones to learn all over again!
Jeremiah RaxterRaxter Law, Jeremiah Raxter, Esq.27851 Bradley Rd, Suite 145Menifee, Ca 92586951-226-5294
Hi, I'm Natalie, a 6th grader in middle school. It's a new year and I'm a new writer here at the Menifee Buzz.
Because this is the new year's addition of the buzz, let's talk about new year's resolutions. 5 of my new year's resolutions would be:
1. Reading more books or play outside rather then watching tons of tv or playing video games.
2. Saving money to buy more stuff that I want
3. Strengthen friendships and cherishing my friends.
4. Be more responsible at home by doing chores (like cleaning my room or cleaning my bathroom)
5. Travel and see as much as I can because I can.
Clothespin Picture Frame
Here is a fun and cheap way to display your holiday cards and photo’s in your room.
You will need:
Cut a round shape out of cardboard, glue the clothespins to the shape, paint it if you want. That’s it! Easy and Fun!
What's buzzing around your playground?
Cougar Vineyard & Winery is a family owned and operated boutique winery located on the De Portola Trail. The winery was opened in 2006 by owners and winemakers, Rick and Jennifer Buffington. Rick and Jennifer, the first couple winemakers in the Valley, began making wine over 14 years before they opened their Temecula winery and tasting room.
Wine making started as a home-based hobby in Texas and later Washington where the couple lived before moving to Fallbrook, CA. The Cougar label was born during their time in Bellevue, WA and named after Cougar Mountain where they lived.
Cougar specializes in 100% Estate grown Italian varietals including several varietals rarely found in the United States: Lambrusca di Alessandria, Brachetto, Prosecco, Falangini and Nero Amaro. Cougar also grows more commonly known varietals on their 17 acre property including: Sangiovese, Aglianico, Primitivo, Montepulciano, Vermentino, Pinot Grigio and Arneis. Rick and Jennifer chose Italian varietals not only for their ability to pair perfectly with their favorite foods, but because the weather and geographical conditions in Temecula are ideal for these grapes. At Cougar they pride themselves on making their wine from ground to glass. Cougar not only grows their own grapes, but also makes, bottles and stores all their wine on site.
The family of Cougar Vineyard & Winery, including their wine dogs, invites you to visit them in their new Tasting Room where you can enjoy picturesque views of the Valley, eat a picnic surrounded by olive trees and grape vines, and experience their hand-crafted, award winning wines yourself.
Cougar Vineyard & Winery
Address: 39870 De Portola Road
Temecula, CA 92592
Outstanding students from high schools in the Perris Union High School District were honored recently as Students of the Month.
The Perris Valley Chamber of Commerce and the Menifee Valley Chamber of Commerce organize the presentations. The students are nominated by their teachers and staff at their respective school sites and are chosen for their character, integrity, love of learning, ability to persevere and overcome challenging circumstances, community service, and how they make a difference on their high school campus.
Heritage High School’s Student of the Month is Adam Jenks. Adam is involved in a number of clubs and activities, including Link Crew and drama. He is also the founder, and president, of the most recent government club, Modern American Patriotic Students. According to the club’s advisor, Ms. McPhail, Adam keeps everyone on their toes, and is a hilarious person to be around. Adam thanked everyone and said that one of the biggest life lessons he’s learned was to have positivity and generosity. He plans to attend Stanford University to obtain his degree in computer engineering.
Chase Roland is Paloma Valley High School’s Student of the Month. According to Assistant Principal Dr. Pauline Garcia, Chase is a well-rounded student and is very community services oriented. She also noted that just about all the staff shared the same views of Chase in that she is one of the most humble, nicest, and sweetest people on campus. Chase said that she is very thankful for her parents, and that they have always encouraged and supported her to do the things she wants. Chase plans to attend UC Irvine, UC Riverside, or UC San Diego to study multiple languages and become a translator.
Perris Lake High School’s honoree is Natalie Laguna, who, according to her English teacher, Ms. Lannerhag, started out as a very shy and withdrawn student. However, over time she began to show determination to the point of becoming a mentor for other students, and becoming a true leader at Perris Lake. Natalie admitted to hating school at one time but made the decision to change, and learned to get excited about school after teachers there showed how much they cared about her. Natalie shared that she’s now excited about the future, and plans to attend college to become an esthetician or physical therapist.
Perris High School’s Student of the Month is Hai Vu. Hai is involved in a number of clubs and activities including the decathlon team, FNL, National Honor Society, and others. She is also a finalist for the QuestBridge Scholarship and is described by Principal Nicholas Hilton as a well-rounded student. Hai admitted that she was initially scared of AP calculus as a sophomore but started to overcome it while starting a calculus club, which now holds annual competitions. She plans to attend UCLA to obtain her PhD in bio medical engineering and eventually open her own lab, and make healthcare more affordable.
December’s students and their families attended a luncheon sponsored by the Perris and Menifee Chambers of Commerce along with local businesses and organizations. Principals and teachers from each high school shared stories about the students and they each received certificates of recognition, numerous gifts, congratulations and encouragement from local, county, state and federal dignitaries.
All of these students demonstrated a desire to work hard and have a drive to exceed others and their own expectations. The Perris Valley Chamber and the Menifee Valley Chamber wish them the best in their endeavors. If you wish to learn more about the Student of the Month Program, please contact founder, Sally Myers at (951) 506-8024.