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The Ramey Agency
3610 Watermelon Rd. Ste 106
Northport, Alabama 35473 http://www.therameyagency.com
Ph: (205) 330-9188
Are You Making These Insurance Blunders?
When it comes to buying insurance, what you don’t know can hurt you…and your family…for years to come.
Learn how to identify the top ten insurance mistakes and what you can do about them with my free guide, "The Top 10 Insurance Blunders - and How to Avoid Them."
Just reply to this email and I'll send it right out to you.
Quick Quiz
Each month I’ll give you a new question based on this newsletter.
Just reply to this email for the answer.
What is the longest word you can make using only the letters on the top row of a typewriter?
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Recipe: Fresh
Orange Granita
Ingredients
• 1/2 cup sugar
• 1/2 cup water
• 2 tablespoons orange liqueur
• 1 1/2 cups freshly squeezed orange juice
• 1/2 tablespoon orange zest
Directions
Combine the sugar and water in a pan and bring to a boil, stirring occasionally to dissolve the sugar.
Remove from heat and add the orange liqueur, orange juice and orange zest.
Allow the mixture to cool.
Pour it into a shallow pan and put in the freezer.
Stir with a fork every 30-45 minutes until ice crystals form throughout the pan.
Serving Idea
Place granita in a frosted martini glass and garnish with fresh orange slices and sprigs of mint.
Fascinating Facts about July
• SOS was adopted as the international distress signal on July 1, 1908.
• ZIP codes were introduced for United States mail on July 1, 1963.
• The first Wal-Mart store opened in Rogers, Arkansas, on July 2, 1962.
• Alice's Adventures in Wonderland was published on July 4, 1865.
• Howard Hughes set a new record on July 10, 1938, by flying around the world in 91 hours.
• Babe Ruth made his debut in Major League baseball on July 11, 1914.
• The Hollywood sign was dedicated on July 13, 1923. It originally read "Hollywoodland."
• The world's first parking meter was installed in Oklahoma City on July 16, 1935.
• Airmail service began between New York City and San Francisco on July 20, 1921.
• The first U.S. patent was issued on July 31, 1790.
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How to Be a Wise Buyer of Auto Insurance
Most people shop for auto insurance after they have purchased a new vehicle, but for the best rates and biggest savings, it's actually better to begin at the end.
Learn how to buy right to save big on car insurance costs without putting the brakes on the fun.
Shop Used Rather Than New
Not only will a used vehicle mean a slower rate of depreciation, but it's often less expensive to insure a gently used car.
The sweet spot of savings is on vehicles roughly two to three years old and with less than 45,000 miles, although it varies considerably from car to car.
Keep Credit Tuned
Not only does good credit help reduce the cost of financing your new vehicle but insurance companies routinely consider credit score, driving record and other personal criteria in the cost of insurance.
Make it a priority to stay in shape by performing annual credit evaluations while steering clear of traffic violations in order to obtain the best rates.
Call for Quotes - Especially on Customized Cars
That super-charged engine or enhanced wheel package might look fantastic but tripping the light fantastic could cost you a bundle when it comes time to buy insurance. In fact, depending upon the type of work performed, it may negate the warranty and limit the terms of liability should damage related to the custom changes occur.
Safety Rating Rule
Perform a search for the most recent safety rating associated with the make and model of the car you are considering for purchase.
Title Matters
How you legally hold title to the vehicle is especially important when it comes time to purchase an auto insurance policy.
Parents or partners with poor driving records should pay special attention to how the title may impact the purchase of auto insurance.
Be Smart in the Sun: 3 Tips to Help You Glow, Not Burn
 It's
important to remember the very real benefits to be derived from the
sun. In addition to a healthy glow, vitamin D and gentle levels of UV
radiation are associated with everything from hormonal regulation to
antibacterial properties. Make the most of the sun this summer without
having to swim in an ocean of sunscreen.
Dress Right
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Wearing a simple hat, a lightweight shirt and basic protective clothing
is the first step in staying safe and comfortable when working or
playing outdoors. Don't scrimp when it comes to comfort clothing, and
always bring extra shirts, shoes and hats when at the beach. It's a lot
easier to wash an extra outfit than soothe
sunburn for the next few days.
Start Slow
Skin builds up a slow tolerance, so be especially cautious the first
few times you are out in the sun. Children, the elderly and those with
fair skin are especially prone to sunburn early in the season. Make it
a priority to keep track of the time and avoid the hottest part of the
day.
Ask about Medications
Many medications - including common over-the-counter drugs - can cause
sun sensitivity even among people who rarely burn. Ask your physician
or pharmacist about sun exposure for any medications you may take.
Picture credit.
Choose These Foods for a Long, Deep Sleep
 Diet
plays an important role in regulating sleep patterns. If you are one of
the millions of people who suffer from insomnia or other sleep-related
problems, try out these tasty tips to help get a good night's sleep.
Milk:
It's not merely an old wives' tale - milk contains tryptophan, which is
believed by many to encourage sleep. However, if you are short on milk,
try other dairy products or turkey instead. Even if the amount of
tryptophan isn't high enough to bring on the z's, chances are the warm
memories associated with a glass of milk before bedtime will be enough
to set the stage for a calm and cozy night.
Melatonin:
Meat is one food that contains melatonin, a naturally occurring hormone
that helps regulate the normal circadian rhythm associated with sleep.
Every person and creature on earth has a natural sleep/wake cycle that
is very sensitive to disruption. Unfortunately, modern life often
conflicts with the natural rhythm of the body. Melatonin can be added
to the diet in the form of a supplement for those in need of additional
help.
Cut the Caffeine:
Coffee, chocolate, cola and other products that contain high levels of
sugar or caffeine often interfere with sleep cycles. While you are at
it, be sure to eliminate all other stimulants at least four hours prior
to bedtime and replace with slow stretching exercise or a relaxing walk
to help work off excess
energy.
Don't Drink and Sleep: It's
also a good idea to reconsider alcoholic beverages. Although they may
initially relax both mind and body, the high sugar content and
metabolic effects often cause insomnia later in the night or early
morning.
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Coverage for College: Insuring Children Away at School
Purchasing coverage for children away at school can be confusing if you aren't familiar with the options. Learn the ABCs of keeping your student protected with these building blocks of coverage:
A - Analyze: The first step is to analyze your current insurance policies against the needs of your child. Most students will need health insurance, automobile insurance and some type of renter's policy. It's also a good idea to evaluate your liability coverage to protect your family from legal claims in the event your child is involved in an accident or other liability situation.
B - Bargain: Most parents are surprised to learn how easy it can be to qualify for discounts, especially on auto insurance or for multi-policy coverage. Ask about alumni discounts, safe driving perks and other programs designed to reduce the rates of providing coverage for your child.
C - Compare: Most parents simply add riders to an existing automobile policy or extend their homeowners coverage to provide insurance for a college student.
However, it may be more affordable to purchase insurance in your child's name instead. For example, if your student owns an older make/model of automobile, the lower value of the vehicle combined with decreased liability needs often provides enhanced savings over increasing primary policies or purchasing an umbrella policy. Many colleges also provide low-cost health insurance, although you should carefully review limits and exclusions of coverage prior to purchasing, especially if your child has a pre-existing condition.
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