{"id":100,"date":"2019-11-20T06:22:59","date_gmt":"2019-11-20T06:22:59","guid":{"rendered":"http:\/\/williamgo.com\/blog\/?page_id=100"},"modified":"2019-11-21T21:23:40","modified_gmt":"2019-11-21T21:23:40","slug":"family","status":"publish","type":"page","link":"https:\/\/williamgo.com\/?page_id=100","title":{"rendered":"Family"},"content":{"rendered":"<p><span style=\"font-size: small;\">Buying your next car, Moving to a new home, Planning for college, Planning for retirement, Preparing your teenager for responsible driving Resources for Teachers Impact of Tax Relief Act 2001<\/span><\/p>\n<p>Don&#8217;t dream about your next vacation, plan it! We offer discounts on cruises, hotels, car rentals, airline tickets and vacation packages. Start planning your next trip today!<span style=\"font-size: xx-small;\"><b><br \/>\n<\/b><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b><span style=\"color: #336699; font-size: large;\">Buying Your next Car<br \/>\n<\/span><\/b><span style=\"font-size: small;\"><b>The Total Auto Solution:<\/b> Let us help you solve these worries about buying your next car with these helpful services: (follow the links below)<\/span><b><\/b><\/p>\n<p><span style=\"font-size: small;\"><b><span style=\"color: #ff6633;\">Choosing the right car.\u00a0<\/span><\/b><br \/>\nBefore you buy, take a look at our <a href=\"http:\/\/www.farmers.com\/FarmComm\/content\/PA010031_B.jsp\"><b>list of vehicles with better insurance values.<\/b><\/a><b> <\/b>(*use your back button to return)<\/span><\/p>\n<p><span style=\"font-size: small;\"><b><span style=\"color: #ff6633;\">Getting a great price.<\/span><\/b><br \/>\nWith the <a href=\"http:\/\/www.farmers.com\/FarmComm\/content\/VA010023.jsp\"><span style=\"color: #336699;\"><b>Auto Buying Service.<\/b><\/span><\/a> You can have pre-arranged pricing at more than 5,000 dealerships nationwide.<\/span><\/p>\n<ul>\n<li><span class=\"BodyText\"><span style=\"font-size: small;\"><b>Finding the Vehicle for You.<\/b> The <a href=\"http:\/\/auto.consumerguide.com\/auto\/new\/index.cfm?partner=farmers\"><b>Auto Buying Service<\/b><\/a> has access to tens of thousands of new and used cars and trucks through a huge dealer network. Representatives are in constant touch with dealerships to get the most up-to-date vehicle listings.<br \/>\n<\/span><\/span><\/li>\n<li><span class=\"BodyText\"><span style=\"font-size: small;\"><b>Pricing a new or used vehicle.<\/b> You can get a price on any new or used vehicle through pre-arranged pricing at more than 5,000 dealerships nationwide.<br \/>\n<\/span><\/span><\/li>\n<li><span class=\"BodyText\"><span style=\"font-size: small;\"><b>Checking out a used car.<\/b> For used cars and trucks, you can order a <a href=\"http:\/\/www.info4cars.com\/vhrreports\/\" target=\"_blank\" rel=\"noopener noreferrer\"><b>Vehicle History Report <\/b><\/a>for a nominal fee that can help detect potential problems such as rebuilt cars or odometer fraud.<\/span><\/span><\/li>\n<\/ul>\n<p><a href=\"http:\/\/www.farmers.com\/FarmComm\/content\/PA010028.jsp\"><span style=\"color: #336699; font-size: large;\"><b>Preparing your Teenager for Responsible Driving<\/b><\/span><\/a><\/p>\n<p><span style=\"color: #ff6633;\"><b><span style=\"font-size: small;\">Driver education<\/span><\/b><\/span><span style=\"font-size: small;\"><span style=\"color: #ff6633;\"><b>.<\/b><\/span><br \/>\n<span class=\"BodyText\">Are the new drivers in your house really knowledgeable about insurance and driving safety? We at Farmers feel that educating young drivers is part of our responsibility, too. That&#8217;s why we developed the <a href=\"http:\/\/www.farmers.com\/FarmComm\/content\/YS010001.jsp\" target=\"_blank\" rel=\"noopener noreferrer\"><b>Y.E.S. (You&#8217;re Essential to Safety) Program<\/b><\/a>. This informative program can help improve a young person&#8217;s driving. In some states, young drivers who complete the program may qualify for a discount on their auto insurance.<\/span><\/span><\/p>\n<p><span class=\"BodyText\"><span style=\"color: #ff6633; font-size: small;\"><b>Road Ready<\/b><\/span><br \/>\n<span style=\"font-size: small;\">When a newly licensed son or daughter gets a vehicle it can be a nerve-wracking experience for even the most patient adult.<\/span><\/span><\/p>\n<p><span class=\"BodyText\"><span style=\"font-size: small;\">So what&#8217;s a parent to do?<\/span><\/span><\/p>\n<p><span class=\"BodyText\"><span style=\"font-size: small;\"><b><span style=\"color: #ff6633;\">Choose the right vehicle.<\/span><\/b><br \/>\nThe Insurance Institute for Highway Safety, which crash-tests dozens of vehicles each year, advises parents to choose a midsize vehicle with lots of safety features such as air bags and antilock brakes. Choose the newest model your budget can afford since most of today&#8217;s cars are better designed for crash protection than vehicles six to 10 years old. Before making a final choice on the vehicle your teenager will drive, check out the consumer information on car safety available from the U.S. Department of Transportation, the Insurance Information Institute, the Insurance Institute for Highway Safety and, of course, your Farmers agent.<\/span><\/span><\/p>\n<p><span style=\"font-size: small;\"><span class=\"DocHead\"><b><span style=\"color: #ff6633;\">Teenage drunk driving<\/span><\/b><br \/>\n<\/span>Teenage drunk driving is a serious national problem:<\/span><\/p>\n<ul>\n<li><span class=\"BodyText\"><span style=\"font-size: small;\">One out of ten children ages 12-13 uses alcohol at least once a month.<\/span><\/span><\/li>\n<li><span class=\"BodyText\"><span style=\"font-size: small;\">In a single year, 522 children under 14 were arrested for driving while intoxicated. 113 of them were under 10 years old.<\/span><\/span><\/li>\n<li><span class=\"BodyText\"><span style=\"font-size: small;\">70% of all teenagers drink alcohol.<\/span><\/span><\/li>\n<li><span class=\"BodyText\"><span style=\"font-size: small;\">60% of all teen deaths in car accidents are alcohol-related.<\/span><\/span><\/li>\n<\/ul>\n<p class=\"BodyText\"><span style=\"font-size: small;\">Why do so many teenagers drink and drive? Maybe they just don&#8217;t understand how only one drink can affect their driving. Teenage boys with a blood alcohol level of .05-.10 (within the legal limit in most states) are 18 times more likely to become involved in a single-vehicle crash than non-drinking boys. Teenage girls at the same levels are 54 times more likely to crash.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span class=\"DocHead\"><b><span style=\"color: #336699; font-size: large;\">Buying a Home<br \/>\n<\/span><\/b><\/span><span style=\"font-size: small;\">Buying a home is possibly the best investment you can make for you and your family. Now we can help solve your worries about buying a home with these helpful services:<\/span><\/p>\n<p><span style=\"font-size: small;\"><b><span style=\"color: #ff6633;\">How much home can you afford?<br \/>\n<\/span><\/b><a href=\"http:\/\/www.farmers.com\/FarmComm\/sub_cats\/calcs_home.jsp\"><b>Calculate your budget here!<br \/>\n<\/b><\/a>(*use your back button to return)<\/span><\/p>\n<p><span style=\"color: #ff6633; font-size: small;\"><b>Do you need help with Real Estate and Mortgage Assistance?<br \/>\n<\/b><\/span><span style=\"font-size: small;\">Whether you&#8217;re moving across town or across the country, we can help you buy, sell, finance or refinance a home.<\/span><\/p>\n<p><span style=\"font-size: small;\">Call us at (310) 665-1162 to get started.<\/span><\/p>\n<p><span style=\"font-size: small;\"><u><b>Buying or selling a home?<\/b><\/u><br \/>\nOur Real Estate and Mortgage Assistance Program offers you a personal real estate consultant who will help you evaluate your real estate needs and identify the top-rated real estate brokers in your area. If you&#8217;re moving to a new area, we can provide information about the new area, local schools and more.<\/span><\/p>\n<p><span style=\"font-size: small;\"><u><b>Shopping for a home mortgage loan?<\/b><\/u><br \/>\nOur partner, <a href=\"http:\/\/www.phhmortgage.com\/home\/landscape?cid=13625\"><b>PHH Mortgage Services<\/b><\/a>, offers loans to our customers.* You may also be eligible to receive a cash bonus of $300 to $1,500, based on the purchase price of the home, when you buy or sell your home through the Real Estate and Mortgage Assistance Program.**<\/span><\/p>\n<p><span style=\"color: #336699; font-size: xx-small;\">* Loans are offered and funded by PHH Mortgage Services. Farmers does not, directly or indirectly, make, negotiate or offer to make or negotiate the mortgage loans.<br \/>\n** May not be available in all states.<\/span><\/p>\n<p><span style=\"color: #ff6633; font-size: small;\"><b>Shopping for a mortgage- Our solid financial partners can help finance your home.<br \/>\n<\/b><\/span><span style=\"font-size: small;\"><b><span style=\"color: #ff6633;\">\u00a0<\/span><u><span class=\"DocHead\"><br \/>\nPHH Mortgage Services<\/span><\/u><\/b><\/span><span style=\"font-size: small;\"><br \/>\nPHH Mortgage, can help you finance a new home or refinance your current home loan. PHH&#8217;s expert loan consultants can offer you competitive mortgage rates, low fees, easy pre-qualification and fast approval. There are more than 50 mortgage programs to choose from*. Visit <a href=\"http:\/\/www.phhmortgage.com\/home\/landscape?cid=13625\" target=\"_window\" rel=\"noopener noreferrer\"><b>PHH&#8217;s Mortgage Financing site<\/b><\/a> to apply online. With the Real Estate and Mortgage Assistance Program, most fees normally associated with loan processing are eliminated, which can mean real savings. <a href=\"http:\/\/www.farmers.com\/FarmComm\/content\/LI010019.jsp\"><b>Farmers also offers affordable Mortgage Protection Life Insurance<\/b><\/a>. Talk to your or call, (<\/span><span style=\"font-size: small;\">310) 665-1162<\/span><span style=\"font-size: small;\"> for more information.<\/span><\/p>\n<p><span class=\"BodyText\"><span style=\"font-size: small;\">*<\/span><\/span><span style=\"color: #336699; font-size: xx-small;\"><span class=\"SectionHead\">disclaimer<\/span> &#8211; Copyright 1999 PHH Mortgage Services. All rights reserved. PHH Mortgage Services Corporation, 3000 Leadenhall Rd., Mt. Laurel, NJ 08054. Arizona Residential Mortgage Licensee #BK BR 0016981; Licensed by the Department of Corporations under the California Residential Mortgage Lending Act, Georgia Residential Mortgage Licensee; Illinois Residential Mortgage License #5089, 310 South Michigan Ave., Suite 2130, Chicago, IL 60604, 312-793-1409; Massachusetts Licensed Lender #ML0060; Licensed Mortgage Banker &#8211; N.J. Department of Banking; Licensed Mortgage Banker &#8211; NYS Banking Department; Rhode Island Licensed Lender; Minnesota &#8211; This is not an offer to enter an interest rate lock-in agreement. Licensed First Mortgage Banker and Secondary Mortgage Lender by Pennsylvania Department of Banking. PHH Mortgage Services is an equal opportunity lender.<\/span><\/p>\n<p><span style=\"color: #ff6633; font-size: small;\"><b>Do you know the coverage you need to rebuild your home, replace your belongings, and protect your assets?<br \/>\n<\/b><\/span><span class=\"DocHead\"><b><span style=\"color: #336699; font-size: small;\">Types of coverage:<\/span><\/b><br \/>\n<\/span><span style=\"font-size: small;\">Whether you own a house or condo, or you rent, your agent has an insurance program to protect you, your home, and your belongings.<\/span><\/p>\n<p>Please <a href=\"http:\/\/williamgo.com\/blog\/?page_id=27\"><b>contact us <\/b><\/a>for more information.<\/p>\n<ul>\n<li><span style=\"font-size: small;\"><b><span style=\"color: #336699;\">For Your Home<br \/>\n<\/span><\/b>What kind of insurance policy do I need to protect my home?<br \/>\nThat depends, are you buying a house, condo or townhouse?<br \/>\nOr do you rent?<br \/>\nHow can I make my home safer and possibly save money?<br \/>\nDo I need mortgage protection insurance?<br \/>\nHow much would it cost to rebuild my home at today&#8217;s prices?<\/span><\/li>\n<li><span style=\"font-size: small;\"><b><span style=\"color: #336699;\">For Your Personal Belongings<\/span><\/b><br \/>\nWhat would it cost to replace the contents or personal belongings of my home?<br \/>\nIs there coverage to repair and\/or replace the appliances in my home?<br \/>\nDo I need to take an inventory and photographs of my belongings?<br \/>\nHow do I protect my identity?<\/span><\/li>\n<li><span style=\"font-size: small;\"><b><span style=\"color: #336699;\">For You and Your Guests<\/span><\/b><br \/>\nWhat kind of protection do I need against liability claims?<br \/>\nWill my guest&#8217;s medical expenses be covered if they&#8217;re accidentally injured on my property?<\/span><\/li>\n<li><span style=\"font-size: small;\"><b><span style=\"color: #336699;\">For Your Coverages\u00a0<\/span><\/b><br \/>\nDo I need earthquake insurance?<br \/>\nShould I get Flood insurance?<br \/>\nDo I need Personal Liability Umbrella coverage?<br \/>\nHow can I make sure there is adequate coverage for my valuables (jewelry, silverware, furs)?<br \/>\nHow much should my deductible be?<br \/>\nWill I be reimbursed for additional living expenses if I cannot live in my home due to a covered loss?<\/span><\/li>\n<\/ul>\n<p><span style=\"font-size: small;\">Please <a href=\"http:\/\/williamgo.com\/blog\/?page_id=27\"><b>contact us <\/b><\/a>for more information. We are happy to answer any of your questions.<\/span><\/p>\n<p><span style=\"color: #ff6633; font-size: small;\"><b>If you live anywhere near a flood zone, you need extra protection! Find out about flood insurance here!<br \/>\n<\/b><\/span><span style=\"font-size: small;\"><span class=\"BodyText\">We offer a wide range of flood coverages to address your insurance needs, regardless of whether you own or rent a home, mobile home, condominium, townhouse or apartment.<\/span><\/span><\/p>\n<p><span style=\"font-size: small;\"><b>Basic flood information<\/b><\/span><\/p>\n<ul>\n<li><span style=\"font-size: small;\"><b><span style=\"color: #336699;\">Everyone lives in a flood zone.<\/span><\/b> You don&#8217;t need to live near water to be flooded. Floods are caused by storms, melting snow, hurricanes, and water backup due to inadequate or overloaded drainage systems.\u00a0<\/span><\/li>\n<li><span style=\"font-size: small;\"><b><span style=\"color: #336699;\">Flood damage is not covered by homeowners policies.<\/span><\/b> You can protect your home, business, and belongings with flood insurance from Farmers &#8212; up to $250,000 for the building and $100,000 for contents.\u00a0<\/span><\/li>\n<li><span style=\"font-size: small;\"><span style=\"color: #336699;\"><b>You can buy flood insurance no matter what your flood risk is.<\/b><\/span> You can buy flood insurance as long as your community participates in the National Flood Insurance Program. Flood insurance is a good buy even in low or moderate risk areas. Almost 25 percent of all flood insurance claims come from low- to moderate-risk areas.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-size: small;\"><b>What does flood insurance cover?<\/b><br \/>\nFlood insurance policies come in three different forms, depending on what type of building you&#8217;re insuring.\u00a0<\/span><\/p>\n<ul>\n<li><span style=\"font-size: small;\">Single-family and two- to four-family homes fall under the Dwelling policy.\u00a0<\/span><\/li>\n<li><span style=\"font-size: small;\">Apartments and businesses fall under the General Property policy.\u00a0<\/span><\/li>\n<li><span style=\"font-size: small;\">Condominiums fall under the &#8220;Residential Condominium Building Association Policy or RCBAP.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-size: small;\"><b>All three of these policies cover flooding caused by any of the following:<\/b> Overflow of inland or tidal waters Unusual and rapid accumulation or runoff of surface waters from any source, such as heavy rainfall Rivers of mud caused by flooding<\/span><\/p>\n<p><span class=\"DocHead\"><span style=\"font-size: small;\"><b>Buying flood insurance:<\/b><\/span><\/span><span class=\"BodyText\"><span style=\"font-size: small;\"><br \/>\nTo buy a flood insurance policy, call your agent. Your agent has the professional expertise you need to get the best coverage combinations to fit your lifestyle and budget.<\/span><\/span><\/p>\n<p><span style=\"font-size: small;\">When you buy flood insurance from your agent, it&#8217;s a good idea to have the same agent write your homeowners, auto or other insurance policies. In the event you have a claim, you will deal directly with one company and one agent.<\/span><\/p>\n<p><span style=\"font-size: small;\">Please <a href=\"http:\/\/williamgo.com\/blog\/?page_id=27\"><b>contact us <\/b><\/a>for more information. We are happy to answer any of your questions.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #ff6633; font-size: small;\"><b>If something were to happen to you, how would the mortgage be paid<\/b><\/span><span style=\"color: #ff6633; font-size: small;\"><b>?<br \/>\n<\/b><\/span><span class=\"DocHead\"><span style=\"font-size: small;\"><b><u>Mortgage Life Insurance<\/u><\/b><\/span><\/span><span style=\"font-size: small;\"><br \/>\nObviously, for you and your family, no amount of money could possibly replace you. However, consider the financial implications if something were to happen to you. Our Mortgage Life Insurance is life insurance designed to assure that, in the event of your death, your family can remain in the house they love.<\/span><\/p>\n<p><span style=\"font-size: small;\">Our Insurance offers two basic types of Mortgage Life Insurance.<\/span><\/p>\n<ul>\n<li><span style=\"font-size: small;\"><b><span style=\"color: #336699;\">Level Term 2000<\/span><\/b>* provides life insurance coverage that remains level. Depending on your need, we may guarantee the premium to remain the same for as long as you need the coverage. What\u2019s more, this plan is very affordable.<\/span><\/li>\n<li><span style=\"font-size: small;\"><b><span style=\"color: #336699;\">Decreasing Term Life Insurance<\/span><\/b>* a low cost, traditional decreasing term life insurance plan to cover your mortgage. Farmers offers several types to accommodate your specific needs.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-size: small;\">A Deposit Fund** is an optional side fund that can be added to either of these plans to build an additional cash reserve for the future. Payments into the fund can be made at any time. These payments, or even withdrawals from the fund, will not affect the basic policy&#8217;s death benefit. Interest is earned at a competitive rate, and is compounded annually. The interest rate that this fund earns will never be less than the stated guaranteed minimum.<\/span><\/p>\n<p><span style=\"font-size: small;\">Please <a href=\"http:\/\/williamgo.com\/blog\/?page_id=27\"><b>contact us <\/b><\/a>for more information. We are happy to answer any of your questions.<\/span><\/p>\n<p><span class=\"DocHead\"><span style=\"font-size: small;\"><b>Tips for estimating your home&#8217;s value:<\/b><br \/>\nYour home is probably the single largest investment you&#8217;ll ever make. By adequately insuring your home, you are protecting your investment and your equity. You will also be sure that your family is protected in the event of a disaster.<\/span><\/span><\/p>\n<p><span style=\"font-size: small;\">Estimating your home value will help make sure you have enough insurance. The primary factors that will determine the cost to rebuild your home include:<\/span><\/p>\n<ul>\n<li><span style=\"font-size: small;\">Local construction costs and the square footage of the structure<\/span><\/li>\n<li><span style=\"font-size: small;\">The type of exterior wall construction &#8212; frame, masonry (brick or stone) or veneer &#8212; and the type of roof<\/span><\/li>\n<li><span style=\"font-size: small;\">The style of the house (ranch, colonial)<\/span><\/li>\n<li><span style=\"font-size: small;\">The number of bathrooms and other rooms<\/span><\/li>\n<li><span style=\"font-size: small;\">Attached garages, fireplaces, exterior trim and other special features like arched windows.<\/span><\/li>\n<\/ul>\n<p class=\"BodyText\"><span style=\"font-size: small;\"><b>Here are some tips to help you estimate the value of your home:<\/b><\/span><\/p>\n<p>Every year, take the time to check the value of your insurance policy against rising local building costs. Your Farmers agent is available to review your coverage and ensure adequate protection is in place.<\/p>\n<p>Check the latest building codes in your community. If your home is severely damaged, you might have to rebuild it to comply with the new standards requiring a change in design or building materials.<\/p>\n<p class=\"BodyText\"><span style=\"font-size: small;\">Do not insure your home for the market value. The cost of rebuilding your house may be higher (or lower) than the price you paid for it or the price you could sell it for today.<\/span><\/p>\n<p><span style=\"font-size: small;\">Some banks require you to buy homeowners insurance to cover the amount of your mortgage. Make sure it&#8217;s also enough to cover the cost of rebuilding.<\/span><\/p>\n<p><span style=\"font-size: small;\">Increase the limit of your policy if you make improvements or additions to your house. You may upgrade features in your home to fit your tastes and lifestyle. These enhancements can significantly increase the replacement cost of your home. Your Farmers agent will be available to help in determining if additional coverage is needed.<\/span><\/p>\n<p><span style=\"font-size: small;\">Please <a href=\"http:\/\/williamgo.com\/blog\/?page_id=27\"><b>contact us <\/b><\/a>for more information. We are happy to answer any of your questions.<\/span><\/p>\n<p><span style=\"color: #ff6633; font-size: small;\"><b>Looking for ways to prevent accidents and make your home safer<\/b><\/span><span style=\"color: #ff6633; font-size: small;\"><b>?<br \/>\n<\/b><\/span><span style=\"font-size: small;\">Accidents can often be prevented with the right preparation. This section provides you with tips to help you keep your home as safe as possible.<\/span><\/p>\n<ul>\n<li><span style=\"font-size: small;\"><b><span style=\"color: #336699;\">Preventing accidents at home.\u00a0<\/span><\/b><br \/>\n<span class=\"BodyText\">A few simple precautions can help prevent many common household accidents. Start today making your home safe using these tips:<\/span><\/span><\/p>\n<div align=\"center\">\n<p>&nbsp;<\/p>\n<table border=\"0\" width=\"400\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td>\n<ol>\n<li><span style=\"font-size: small;\">Make sure stairs are clearly lit. Install light switches at the top and bottom of stairways.<\/span><\/li>\n<li><span style=\"font-size: small;\">Keep exits and passageways free of boxes, furniture and other tripping hazards. Regularly clear the floor of toys, games, \u00a0magazines and other obstructions.<\/span><\/li>\n<li><span style=\"font-size: small;\">Make sure you can see over the top of what you&#8217;re carrying to avoid tripping<\/span><\/li>\n<\/ol>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<\/div>\n<\/li>\n<li><span style=\"font-size: small;\"><b><span style=\"color: #336699;\">Childproofing your home.<\/span><\/b><br \/>\n<span class=\"BodyText\">Every year, thousands of children are injured needlessly in preventable home accidents. You can make your home a safer place by following these simple steps:<\/span><\/span><\/p>\n<div align=\"center\">\n<p>&nbsp;<\/p>\n<table border=\"0\" width=\"400\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td>\n<ol>\n<li><span style=\"font-size: small;\">If your child is under age three, turn a yardstick on end to create an imaginary line around your house, yard and garage; everything below the yard mark should be child-safe.<\/span><\/li>\n<li><span style=\"font-size: small;\">Purchase plastic safety plugs to reduce shock hazard of electrical outlets.<\/span><\/li>\n<li><span style=\"font-size: small;\">Store all household chemicals out of the reach of children. This includes detergents, cleaning products and cosmetics, as well as commonly recognized hazards such as medicines, pest killers and liquid fuel.<\/span><\/li>\n<li><span style=\"font-size: small;\">Keep household chemicals, including cleaning products, in their original packages. Don&#8217;t store them in cups, soft-drink bottles, cans or bowls that children associate with eating and drinking.<\/span><\/li>\n<li><span style=\"font-size: small;\">To protect your child from scalds, reduce the temperature of your hot water to between 120 and 130 degrees Fahrenheit by turning down the control of your water heater.<\/span><\/li>\n<li><span style=\"font-size: small;\">Always turn pot handles away from the edge of the range.<\/span><\/li>\n<li><span style=\"font-size: small;\">Install nylon netting across deck, porch and balcony railings to prevent kids from squeezing through or getting trapped.<\/span><\/li>\n<li><span style=\"font-size: small;\">Since windows may be opened or merely screened, install steel window guards inside the frames to prevent falls.<\/span><\/li>\n<li><span style=\"font-size: small;\">Keep adult sporting goods, such as archery sets, dart sets and hunting knives, in locked cabinets.<\/span><\/li>\n<li><span style=\"font-size: small;\">Store guns unloaded and locked up, out of reach. Store ammunition in a separate locked location.<\/span><\/li>\n<li><span style=\"font-size: small;\">Install bump guards on furniture and appliances that have sharp edges.<\/span><\/li>\n<li><span style=\"font-size: small;\">Check to see if your household and garden plants are poisonous. Ask your physician or poison control center.<\/span><\/li>\n<\/ol>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<\/div>\n<\/li>\n<li><span style=\"font-size: small;\"><b><span style=\"color: #336699;\">Backyard safety.<\/span><\/b><br \/>\n<span class=\"BodyText\">Your backyard should be a place where you and your family can relax and have fun. A few simple precautions can keep backyard hazards to a minimum:<\/span><\/span><\/p>\n<div align=\"center\">\n<p>&nbsp;<\/p>\n<table border=\"0\" width=\"400\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td>\n<ol>\n<li><span style=\"font-size: small;\">Put garden tools and game equipment back in place after you use them. They can cause a fall if they are left lying around.<\/span><\/li>\n<li><span style=\"font-size: small;\">Keep your walkways and driveway in good condition. Make repairs before an accident happens. Securely anchor children&#8217;s outdoor play equipment, such as slides and swings. Make sure they are in good repair and check regularly for worn or broken parts.\u00a0<\/span><\/li>\n<li><span style=\"font-size: small;\">Keep children and pets a safe distance away when you operate a mower or other power equipment.<\/span><\/li>\n<\/ol>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<\/div>\n<\/li>\n<li><span style=\"font-size: small;\"><b><span style=\"color: #336699;\">Emergency phone list.<\/span><\/b><br \/>\nThe best way to handle an emergency is to be prepared with an emergency phone list. Print and complete this list, then post it by your telephone.\u00a0<a href=\"http:\/\/www.farmers.com\/FarmComm\/content\/other\/CC010042.pdf\"><br \/>\n<\/a>\u00a0<\/span><\/p>\n<div align=\"center\">\n<p>&nbsp;<\/p>\n<table border=\"0\" width=\"400\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td align=\"center\">\n<table border=\"2\">\n<tbody>\n<tr class=\"DocHead\">\n<td class=\"BodyText\" valign=\"top\" width=\"49%\"><span style=\"font-size: small;\"><b>Contact<\/b><\/span><\/td>\n<td valign=\"top\" width=\"51%\"><span style=\"font-size: small;\"><b>Phone Number<\/b><\/span><\/td>\n<\/tr>\n<tr>\n<td class=\"BodyText\" valign=\"top\" width=\"49%\"><span style=\"font-size: small;\">Police department<\/span><\/td>\n<\/tr>\n<tr>\n<td class=\"BodyText\" valign=\"top\" width=\"49%\"><span style=\"font-size: small;\">Fire department<\/span><\/td>\n<\/tr>\n<tr>\n<td class=\"BodyText\" valign=\"top\" width=\"49%\"><span style=\"font-size: small;\">Ambulance<\/span><\/td>\n<\/tr>\n<tr>\n<td class=\"BodyText\" valign=\"top\" width=\"49%\"><span style=\"font-size: small;\">Hospital<\/span><\/td>\n<\/tr>\n<tr>\n<td class=\"BodyText\" valign=\"top\" width=\"49%\"><span style=\"font-size: small;\">Doctor<\/span><\/td>\n<\/tr>\n<tr>\n<td class=\"BodyText\" valign=\"top\" width=\"49%\"><span style=\"font-size: small;\">Pharmacist<\/span><\/td>\n<\/tr>\n<tr>\n<td class=\"BodyText\" valign=\"top\" width=\"49%\"><span style=\"font-size: small;\">Poison control center<\/span><\/td>\n<\/tr>\n<tr>\n<td class=\"BodyText\" valign=\"top\" width=\"49%\"><span style=\"font-size: small;\">Farmers agent<\/span><\/td>\n<\/tr>\n<tr>\n<td class=\"BodyText\" valign=\"top\" width=\"49%\"><span style=\"font-size: small;\">Neighbors<\/span><\/td>\n<\/tr>\n<tr>\n<td class=\"BodyText\" valign=\"top\" width=\"49%\"><span style=\"font-size: small;\">Neighbors<\/span><\/td>\n<\/tr>\n<tr>\n<td class=\"BodyText\" valign=\"top\" width=\"49%\"><span style=\"font-size: small;\">Neighbors<\/span><\/td>\n<\/tr>\n<tr>\n<td class=\"BodyText\" valign=\"top\" width=\"49%\"><span style=\"font-size: small;\">Gas company<\/span><\/td>\n<\/tr>\n<tr>\n<td class=\"BodyText\" valign=\"top\" width=\"49%\"><span style=\"font-size: small;\">Electric company<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-size: small;\"><a href=\"http:\/\/www.farmers.com\/FarmComm\/content\/other\/CC010042.pdf\"><b>(Click here for a Printable version)<\/b><\/a><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<\/div>\n<p>&nbsp;<\/p>\n<p><b><span style=\"color: #336699; font-size: large;\">Planning For College<br \/>\n<\/span><span style=\"font-size: small;\">Click HERE for complete College information.<\/span> <\/b><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b><span style=\"color: #336699; font-size: large;\">Planning For Retirement<a name=\"retire\"><\/a><br \/>\n<\/span> <\/b><span style=\"font-size: small;\">Your agent offers a variety of retirement options to meet your needs, including long-term care, IRAs and nonqualified annuities. Individual Retirement Accounts (IRAs) will help you maximize retirement savings without compromising safety.*<\/span><\/p>\n<p class=\"BodyText\"><span style=\"font-size: small;\">There is a heavy price to pay for waiting too long to establish a well-considered retirement program. Now is the time to discuss your retirement goals.<\/span><\/p>\n<ul>\n<li type=\"disc\"><span style=\"font-size: small;\"><b><span style=\"color: #ff6633;\">The difference between Traditional IRAs and Roth IRAs:<\/span><\/b><br \/>\nFor the Traditional IRA, yearly contributions are tax-deductible, but income is taxed. For the Roth IRA, yearly contributions are not deductible from income, but earnings on the Roth IRA can be tax-free.<\/span><\/p>\n<p class=\"BodyText\"><span style=\"font-size: small;\">Subject to certain limitations, you can transfer funds from an existing IRA into a Roth IRA without the 10 percent penalty tax. However, the IRS will treat this transaction as an income-taxable event.<\/span><\/p>\n<p class=\"BodyText\"><span style=\"font-size: small;\">If you are considering an IRA, we can help you calculate what&#8217;s best for you. We also strongly recommend that you consult your tax adviser before making a decision.<br \/>\n<\/span><\/p>\n<\/li>\n<li type=\"disc\"><b><span style=\"color: #ff6633; font-size: small;\">Roth IRAs:<br \/>\n<\/span><\/b><span style=\"font-size: small;\">Are you satisfied with your retirement plan? Will you have the resources you need for a comfortable life?<\/span><span style=\"font-size: small;\">Our Roth IRA allows you to buy an Individual Retirement Annuity with after-tax dollars now and withdraw principal and earnings tax-free after five years. You can withdraw funds after age 59 1\/2, or sooner to pay for qualified educational expenses or the purchase of a new home.<\/span><span style=\"font-size: small;\"><span class=\"Sectionhead\"><b><u>Broader eligibility requirements<\/u><\/b><\/span><br \/>\nThere is no age limit for making contributions to a Roth IRA. You must have earned income equal to the amount of your contribution, up to $3,000 annually for an individual or a combined $6,000 for a couple. Contact your local Farmers agent for more details.<\/span><span style=\"font-size: small;\"><span class=\"Sectionhead\"><b><u>Limits on contributions<\/u><\/b><\/span><br \/>\nIf your adjusted gross income exceeds $150,000 and you file jointly ($95,000 for single filers), the amount you may contribute is gradually reduced and phased out. The combined total of IRA and Roth IRA accounts cannot exceed the maximum annual contribution of $3,000 per individual. The Roth IRA must be kept in a separate account<\/span><\/li>\n<li type=\"disc\"><span style=\"font-size: small;\"><span class=\"Sectionhead\"><b><u>Qualified distribution<\/u><\/b><\/span><br \/>\nUnder certain conditions, you can withdraw from your Roth IRA without paying taxes or penalties. First, you must wait five years after the first tax year in which you made contributions. Second, you must have reached the age of 59 \u00bd or the withdrawals must be due to:<\/span><span style=\"font-size: small;\">Disability<br \/>\nFirst home purchase<br \/>\nDeath<\/span><\/p>\n<p><span style=\"font-size: small;\">Non-qualified distribution of earnings is taxable income and can be subject to a 10 percent Internal Revenue Service penalty tax.<\/span><\/p>\n<p><span style=\"font-size: small;\">All products and features are not available in all states and may vary by state.<br \/>\n<\/span><\/li>\n<li type=\"disc\"><span style=\"font-size: small;\"><b><span style=\"color: #ff6633;\">Traditional IRAs<br \/>\n<\/span><span class=\"SectionHead\"><u>Will you be able to retire comfortably?<\/u><\/span><br \/>\n<\/b>Thanks to the Taxpayer Relief Act of 1997, IRAs today are more flexible, and more people have access to their tax advantages. And, IRAs aren&#8217;t just for retirement, either. You can withdraw funds from your IRA without tax penalties for qualified educational expenses or to buy your first home.<\/span><span style=\"font-size: small;\">A Traditional IRA offers great tax benefits. Your contributions today are tax-deductible and taxes on earnings are deferred until withdrawal. With a Farmers Traditional IRA, you get a competitive interest rate and you can convert it to an annuity at retirement to provide a lifetime income.<\/span><span style=\"font-size: small;\"><b><u><span class=\"SectionHead\">Can you qualify for a Farmers Traditional IRA?<\/span><br \/>\n<\/u><\/b>If you&#8217;re under 70 1\/2, you may be able to contribute up to $3,000 a year if single, or $6,000 if married. If neither you nor your spouse participate in a retirement plan, each of you can deduct the full $3000 IRA contribution for a total of $6,000 a year.<\/span><span style=\"font-size: small;\">If one spouse participates in an employer plan, there are income limits restricting deductibility of IRAs. These adjusted gross income limits, which gradually phase out tax-deductible contributions, will increase from $40,000 to $80,000 for joint filers by the year 2007 (and from $25,000 to $50,000 by the year 2005 for a single taxpayer). A non-working spouse can take the full $3,000 tax deduction if the other spouse participates in a retirement plan, but that is phased out beginning at $150,000 joint adjusted gross income.<\/span><span style=\"font-size: small;\">To find out if you qualify, contact your Farmers agent.<\/span><span style=\"font-size: small;\"><span class=\"SectionHead\"><b><u>Flexible withdrawal options<\/u><\/b><\/span><br \/>\nWithdrawals from Farmers Traditional IRAs are taxable in the year they are taken.<\/span><\/p>\n<p><span style=\"font-size: small;\">Withdrawals before age 59 1\/2 are subject to a 10 percent penalty tax unless withdrawn for:<\/span><\/p>\n<div align=\"center\">\n<p>&nbsp;<\/p>\n<table border=\"0\" width=\"400\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td>\n<ul>\n<li><span style=\"font-size: small;\">First home purchase (limited to $10,000)<\/span><\/li>\n<li><span style=\"font-size: small;\">Qualified higher education expenses<\/span><\/li>\n<li><span style=\"font-size: small;\">Death or disability<\/span><\/li>\n<li><span style=\"font-size: small;\">Certain medical or health insurance expenses<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<\/div>\n<\/li>\n<\/ul>\n<p><span style=\"font-size: small;\">All products and features are not available in all states and may vary by state.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><span style=\"font-size: small;\"><span class=\"DocHead\"><b><span style=\"color: #ff6633;\">Qualified Pension Plan Annuities for your Employees\u00a0<\/span><\/b><br \/>\n<\/span><span class=\"SectionHead\"><br \/>\n<b><u>Advantages of Qualified Pension Plan Annuities:<\/u><\/b><\/span><\/span><\/p>\n<div align=\"center\">\n<p>&nbsp;<\/p>\n<table border=\"0\" width=\"400\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td>\n<ul>\n<li><span style=\"font-size: small;\">Increased financial security for employees at retirement<\/span><\/li>\n<li><span style=\"font-size: small;\">Incentive to attract and retain employees<\/span><\/li>\n<li><span style=\"font-size: small;\">Contributions are tax-deductible by employer, not currently taxable to employee<\/span><\/li>\n<li><span style=\"font-size: small;\">Plan earnings are tax-deferred<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<\/div>\n<\/li>\n<\/ul>\n<blockquote>\n<p class=\"BodyText\"><span style=\"font-size: small;\"><span class=\"SectionHead\"><b><u>Eligibility<\/u><\/b><\/span><br \/>\nAnnuities can fund a Qualified Pension Plan, which is adopted by sole proprietorships, partnerships, or corporations. Employees having attained age 21 and having one year of service (1,000 hours in a 12-month period) for the employer must be covered. Those plans that provide that employees&#8217; benefits are non-forfeitable after no more than two years of service may also require employees to reach age 21 and complete two years&#8217; service, whichever is later, in order to be covered. More liberal provisions can be adopted if exercised uniformly and in a nondiscriminatory manner.<\/span><\/p>\n<p>Employees covered under a collective bargaining agreement retirement plan and certain non-resident aliens may be excluded. Special note: William Go group of companies does not determine eligibility.<\/p>\n<p><span class=\"SectionHead\"><b><u>Contributions<\/u><\/b><\/span><br \/>\nContributions are based on a uniform percentage of each participating employee&#8217;s compensation. This percentage should remain fixed from year to year. Compensation in excess of $200,000 may not be taken into consideration. This $200,000 limit will be adjusted annually by the Secretary of the Treasury to reflect cost-of-living increases.<\/p>\n<p>Contributions are limited to $30,000 or 25 percent of annual compensation, whichever is less.<\/p><\/blockquote>\n<p class=\"BodyText\"><span style=\"font-size: small;\">All products and features are not available in all states and may vary by state.<\/span><\/p>\n<ul>\n<li>\n<p class=\"BodyText\"><span style=\"font-size: small;\"><span class=\"DocHead\"><b><span style=\"color: #ff6633;\">Tax-Sheltered Annuity<\/span><\/b><br \/>\nA Tax-Sheltered Annuity is a contract used to fund special retirement benefits for employees of public educational organizations and certain tax-exempt organizations. Tax-Sheltered Annuities offered by Farmers New World Life Company qualify under section 403(b) of the Internal Revenue Code.<\/span><\/span><\/p>\n<p><b><u><span class=\"SectionHead\">Eligibility<\/span><br \/>\n<\/u><\/b>Employees of these organizations are eligible to establish a Tax-Sheltered Annuity:<\/p>\n<div align=\"center\">\n<p>&nbsp;<\/p>\n<table border=\"0\" width=\"400\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td>\n<ul>\n<li><span style=\"font-size: small;\">Public schools, state colleges and universities<\/span><\/li>\n<li><span style=\"font-size: small;\">State departments of education<\/span><\/li>\n<li><span style=\"font-size: small;\">Qualifying non-profit, tax-exempt hospitals and medical schools<\/span><\/li>\n<li><span style=\"font-size: small;\">Parochial schools<\/span><\/li>\n<li><span style=\"font-size: small;\">Religious organizations<\/span><\/li>\n<li><span style=\"font-size: small;\">Private college<\/span><\/li>\n<li><span style=\"font-size: small;\">Foundations and charitable institutionss and universities<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<\/div>\n<\/li>\n<\/ul>\n<p class=\"BodyText\"><span style=\"color: #336699; font-size: xx-small;\">(The above is not intended as a comprehensive listing of eligible employees. William Go GOC does not determine eligibility.)<\/span><\/p>\n<blockquote>\n<p class=\"BodyText\"><span style=\"font-size: small;\"><b><u><span class=\"SectionHead\">Distributions<\/span><br \/>\n<\/u><\/b>Distributions from a tax-sheltered annuity must commence no later than April 1 on:<\/span><\/p>\n<div align=\"center\">\n<p>&nbsp;<\/p>\n<table border=\"0\" width=\"400\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td>\n<ul>\n<li><span style=\"font-size: small;\">The calendar year in which the employee attains age 70 1\/2<\/span><\/li>\n<li><span style=\"font-size: small;\">The calendar year of retirement (Not applicable with regard to contributions and earnings which accrued in a Tax-Sheltered Annuity prior to January 1, 1987.)<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<\/div>\n<p class=\"BodyText\"><span style=\"font-size: small;\">Employer contributions, as a general rule, are not included in the employee&#8217;s gross income, so distributions from a tax-sheltered annuity will be included in the employee&#8217;s gross income for tax purposes. Early distributions (prior to employee&#8217;s attaining age 59 1\/2) are subject to a 10 percent premature distribution penalty unless a statutory exemption applies (such as the employee&#8217;s death or qualifying disability or taking a lifetime annuity income).<\/span><\/p>\n<\/blockquote>\n<p class=\"BodyText\"><span style=\"font-size: small;\">All products and features are not available in all states and may vary by state.<\/span><\/p>\n<ul>\n<li>\n<p class=\"BodyText\"><span style=\"font-size: small;\"><b><span style=\"color: #ff6633;\">Long Term Care plans<\/span><\/b><br \/>\nAdvances in medicine and technology have changed and improved care for millions of Americans. But, costs have skyrocketed. Average annual costs for nursing home care total $30,000 to $50,000. Out-of-pocket expenditures can devastate a family&#8217;s financial plans. Long Term Care (LTC) plans provide coverage in case you need expensive Long Term Care.<\/span><\/p>\n<p><b><span style=\"color: #336699;\">Types of LTC Coverage<\/span><\/b><br \/>\nLTC plans let you determine exactly how much coverage you need.<\/p>\n<p><b><u>Premier Long Term Care (LTC)<br \/>\n<\/u><\/b>With Premier LTC, you enjoy the following benefits:<\/p>\n<div align=\"center\">\n<p>&nbsp;<\/p>\n<table border=\"0\" width=\"400\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td>\n<ul>\n<li><span style=\"font-size: small;\">Bed reservation<\/span><\/li>\n<li><span style=\"font-size: small;\">Waiver of premium<\/span><\/li>\n<li><span style=\"font-size: small;\">Home medical technology\u00a0<\/span><\/li>\n<li><span style=\"font-size: small;\">Informal caregiver training\u00a0<\/span><\/li>\n<li><span style=\"font-size: small;\">Independent caregiver certification\u00a0<\/span><\/li>\n<li><span style=\"font-size: small;\">Weekly home and community-based care\u00a0<\/span><\/li>\n<li><span style=\"font-size: small;\">Facility care\u00a0<\/span><\/li>\n<li><span style=\"font-size: small;\">Respite care\u00a0<\/span><\/li>\n<li><span style=\"font-size: small;\">Flexible home care\u00a0<\/span><\/li>\n<li><span style=\"font-size: small;\">Alternate plan of care<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<\/div>\n<\/li>\n<\/ul>\n<blockquote><p><span style=\"font-size: small;\"><b><u>Long Term Care benefits<br \/>\n<\/u><\/b>Long Term Care provides a broad range of benefits:<\/span><\/p>\n<div align=\"center\">\n<p>&nbsp;<\/p>\n<table border=\"0\" width=\"400\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td>\n<ul>\n<li><span style=\"font-size: small;\">Daily home and community-based care<\/span><\/li>\n<li><span style=\"font-size: small;\">Respite care\u00a0<\/span><\/li>\n<li><span style=\"font-size: small;\">Informal caregiver training<\/span><\/li>\n<li><span style=\"font-size: small;\">Medical help<\/span><\/li>\n<li><span style=\"font-size: small;\">Facility care<\/span><\/li>\n<li><span style=\"font-size: small;\">Alternate care facility (including care in assisted living facilities)<\/span><\/li>\n<li><span style=\"font-size: small;\">Alternate plan of care\u00a0<\/span><\/li>\n<li><span style=\"font-size: small;\">Bed reservation\u00a0<\/span><\/li>\n<li><span style=\"font-size: small;\">Waiver of premium<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<\/div>\n<p><span class=\"DocHead\"><span style=\"color: #336699; font-size: small;\"><b>Who pays for long-term care now?<\/b><\/span><\/span><\/p>\n<ul>\n<li><span style=\"font-size: small;\">The cost for long-term care and nursing homes was $91 billion in 1995. The elderly and their families paid almost 40 percent of that out of their pockets.<br \/>\n<\/span><\/li>\n<li><span style=\"font-size: small;\">22 million families &#8212; nearly one in four &#8212; are providing some form of assistance to an older relative or friend.<\/span><\/li>\n<\/ul>\n<p class=\"BodyText\"><span style=\"font-size: small;\">Medicare will pay only for skilled care in a nursing home and only after three days in the hospital. Medicaid will pay for care, but only if you meet income qualification levels. In effect, you must prove that you are impoverished. Many experts believe that a gap in long-term care coverage poses the most immediate and devastating threat to the financial security of older Americans and their families.<\/span><\/p>\n<\/blockquote>\n<p class=\"BodyText\"><span style=\"font-size: small;\">LTC is not available in every state. Options and benefit vary from state to state. For more information about LTC, please check with your agent.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span class=\"PageHead\"><span style=\"color: #336699; font-size: large;\"><b>The Tax Relief Act of 2001<br \/>\n<\/b><\/span><\/span><span style=\"font-size: small;\">You&#8217;ll soon have more income, with new tax incentives, to save for your retirement, your children&#8217;s education, and your estate!<\/span><\/p>\n<p><span style=\"font-size: small;\">For example, a 50 year old dual income couple each making $50,000 per year, with three children, who maximize their retirement savings, could save nearly $10,000 over the next five years!<\/span><\/p>\n<p><b><u><span style=\"font-size: small;\">What&#8217;s in it for you?<\/span><\/u><\/b><\/p>\n<ul>\n<li><span style=\"font-size: small;\"><span class=\"MoreBold\">How much am I going to get? <\/span>Use this special <a href=\"http:\/\/www.quicken.com\/taxes\/taxrelief\/estimator\/\" target=\"_blank\" rel=\"noopener noreferrer\"><b>Quicken calculator<\/b><\/a> to estimate how much you can expect to get in 2002 or over the next 10 years.<\/span><\/li>\n<li><span style=\"font-size: small;\"><span class=\"MoreBold\">When do I get my tax refund?<\/span> Refunds will be distributed based on the last two digits of your Social Security Number. For couples filing jointly, the first number on the return is used.<\/span><span style=\"font-size: small;\">The checks will be sent automatically without taxpayers having to request them or submitting additional forms. Use the table below to determine when your check will arrive.<\/span><br \/>\n<table border=\"1\" width=\"70%\" cellspacing=\"0\" cellpadding=\"0\" align=\"center\">\n<tbody>\n<tr>\n<td colspan=\"2\" width=\"506\" height=\"2\">\n<div align=\"left\"><span style=\"color: #ff6633; font-size: small;\">If the last two digits of your Social Security number are: You should receive your refund the week of:<\/span><\/div>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"253\" height=\"2\">\n<div align=\"center\"><span style=\"font-size: small;\">00 &#8211; 09<\/span><\/div>\n<\/td>\n<td width=\"253\" height=\"2\">\n<div align=\"center\"><span style=\"font-size: small;\">July 23<\/span><\/div>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"253\" height=\"2\">\n<div align=\"center\"><span style=\"font-size: small;\">10 &#8211; 19<\/span><\/div>\n<\/td>\n<td width=\"253\" height=\"2\">\n<div align=\"center\"><span style=\"font-size: small;\">July 30<\/span><\/div>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"253\" height=\"2\">\n<div align=\"center\"><span style=\"font-size: small;\">20 &#8211; 29<\/span><\/div>\n<\/td>\n<td width=\"253\" height=\"2\">\n<div align=\"center\"><span style=\"font-size: small;\">August 6<\/span><\/div>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"253\" height=\"2\">\n<div align=\"center\"><span style=\"font-size: small;\">30 &#8211; 39<\/span><\/div>\n<\/td>\n<td width=\"253\" height=\"2\">\n<div align=\"center\"><span style=\"font-size: small;\">August 13<\/span><\/div>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"253\" height=\"2\">\n<div align=\"center\"><span style=\"font-size: small;\">40 &#8211; 49<\/span><\/div>\n<\/td>\n<td width=\"253\" height=\"2\">\n<div align=\"center\"><span style=\"font-size: small;\">August 20<\/span><\/div>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"253\" height=\"2\">\n<div align=\"center\"><span style=\"font-size: small;\">50 &#8211; 59<\/span><\/div>\n<\/td>\n<td width=\"253\" height=\"2\">\n<div align=\"center\"><span style=\"font-size: small;\">August 27<\/span><\/div>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"253\" height=\"2\">\n<div align=\"center\"><span style=\"font-size: small;\">60 &#8211; 69<\/span><\/div>\n<\/td>\n<td width=\"253\" height=\"2\">\n<div align=\"center\"><span style=\"font-size: small;\">September 3<\/span><\/div>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"253\" height=\"2\">\n<div align=\"center\"><span style=\"font-size: small;\">70 &#8211; 79<\/span><\/div>\n<\/td>\n<td width=\"253\" height=\"2\">\n<div align=\"center\"><span style=\"font-size: small;\">September 10<\/span><\/div>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"253\" height=\"2\">\n<div align=\"center\"><span style=\"font-size: small;\">80 &#8211; 89<\/span><\/div>\n<\/td>\n<td width=\"253\" height=\"2\">\n<div align=\"center\"><span style=\"font-size: small;\">September 17<\/span><\/div>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"253\" height=\"2\">\n<div align=\"center\"><span style=\"font-size: small;\">90 &#8211; 99<\/span><\/div>\n<\/td>\n<td width=\"253\" height=\"2\">\n<div align=\"center\"><span style=\"font-size: small;\">September 24<\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<table border=\"0\" width=\"70%\" cellspacing=\"0\" cellpadding=\"0\" align=\"center\">\n<tbody>\n<tr>\n<td><span style=\"font-size: small;\"><span class=\"PageHead\">Source:<\/span> <\/span><a href=\"http:\/\/www.irs.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-size: small;\">http:\/\/www.irs.gov<\/span><br \/>\n<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/li>\n<li><span style=\"font-size: small;\"><span class=\"MoreBold\">How can I make the most of my refund?<\/span> The primary benefits are <a href=\"file:\/\/\/C:\/fromxp01\/My%20Documents\/farmers\/willie\/site\/products_family.html#retire\"><b>saving for retirement<\/b><\/a> and <a href=\"file:\/\/\/C:\/fromxp01\/My%20Documents\/farmers\/willie\/site\/products_college.html\"><b>saving for education \/ college.<\/b><\/a><\/span><\/li>\n<li><span style=\"font-size: small;\"><span class=\"MoreBold\">How does the new law affect my estate plan?<\/span> What do I need to know for future planning?<\/span>\n<div align=\"center\">\n<p>&nbsp;<\/p>\n<table border=\"0\" width=\"400\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td><span style=\"color: #336699; font-size: small;\"><span class=\"PageHead\"><b>Estate Planning &#8211; Impact of the Tax Relief Act of 2001<\/b><\/span><\/span><\/p>\n<p>Estate planning is more urgent than ever due to the uncertainty and complexity created by attempts to improve Estate taxation.<\/p>\n<ul>\n<li><span style=\"font-size: small;\">Instead of repealing the estate tax under the new law, it will be phased out over the next nine years, be repealed in 2010 and automatically reinstated in 2011.<\/span><\/li>\n<li><span style=\"font-size: small;\">The unified credit effective exemption amount for both estate and gift tax purposes is currently $1 million in 2002.<\/span><\/li>\n<li><span style=\"font-size: small;\">The exemption from generation skipping transfer (GST) taxes is currently $1,060,000.<\/span><\/li>\n<li><span style=\"font-size: small;\">The estate and GST tax exemptions will gradually rise to $3.5 million by 2009.<\/span><\/li>\n<li><span style=\"font-size: small;\">The gift tax exemption remains constant at $1 million.<\/span><\/li>\n<li><span style=\"font-size: small;\">In 2010, the estate and generation skipping transfer taxes are repealed.<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #336699; font-size: small;\"><b>What you can do:<\/b><\/span><\/p>\n<ul>\n<li><span style=\"font-size: small;\">Review estate plans, including your life insurance.<\/span><\/li>\n<li><span style=\"font-size: small;\">A Universal Life policy* may provide an ideal means of coping with the uncertainty associated with estate planning under this law.<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<\/div>\n<\/li>\n<li>Highlights <span class=\"MoreBold\">of the Tax Relief Act of 2001<\/span>\n<div align=\"center\">\n<p>&nbsp;<\/p>\n<table border=\"0\" width=\"400\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td><b><u><span style=\"font-size: small;\">Overview:<\/span><\/u><\/b><\/p>\n<ul>\n<li><span style=\"font-size: small;\">The Tax Relief Act of 2001 represents the largest tax cut package in the last 20 years.<\/span><\/li>\n<li><span style=\"font-size: small;\">It will reduce marginal federal tax brackets over time to 10%, 15%, 25%, 28%, 33%, and 35% respectively.<\/span><\/li>\n<li><span style=\"font-size: small;\">Beginning in 2005, the standard deduction for married couples will gradually increase to twice that of a single taxpayer.<\/span><\/li>\n<li><span style=\"font-size: small;\">The child tax credit will gradually double to $1,000 per child over ten years and apply it against the alternative minimum tax credit.<\/span><\/li>\n<li><span style=\"font-size: small;\">It will reduce the marriage penalty by changing the standard deduction and marginal rate brackets.<\/span><\/li>\n<li><span style=\"font-size: small;\">It will affect almost every taxpayer starting with the upcoming refund check of 2001.<br \/>\n<\/span><\/li>\n<\/ul>\n<p><b><u><span style=\"font-size: small;\">Retirement Benefits:<\/span><\/u><\/b><\/p>\n<ul>\n<li><span style=\"font-size: small;\">IRA contribution for both Traditional and Roth are increased from the current $2,000 per person to $3,000 starting in 2002, $4,000 in 2005 and 5,000 in 2008.<\/span><\/li>\n<li><span style=\"font-size: small;\">Individuals over age 50 will be allowed to make &#8220;catch-up&#8221; contributions to their IRAs and other retirement plans that permit employee salary deferrals (e.g. 403(b)s, 457s).<\/span><\/li>\n<li><span style=\"font-size: small;\">Retirement preparation has been made easier by allowing greater pension portability. It will be easier to transfer or roll money over from one retirement plan to another, as well as between IRAs and employer-sponsored retirement plans. The annual retirement plan (e.q., 401K) increase by $1,000 each year until it reaches $15,000 in 2006.<\/span><\/li>\n<li><span style=\"font-size: small;\">The annual retirement plan (e.g., 401 K) employee salary deferral limit is raised from the current $10,5000 to $11,000 in 2002, and will increase by $1,000 each year until it reaches $15,000 in 2006.<\/span><\/li>\n<\/ul>\n<p><b><u><span style=\"font-size: small;\">Education Benefits:<\/span><\/u><\/b><\/p>\n<ul>\n<li><span style=\"font-size: small;\">The annual limit for contributions to Education IRA has been increased from $500 to $2,000, starting in 2002 and contributions are allowable to both an Education IRA and 529 plan for the same beneficiary in the same year.<\/span><\/li>\n<li><span style=\"font-size: small;\">Distributions from qualified tuition plans made after December 31, 2001 and used to pay for qualified higher education expenses will no longer be subject to federal income tax.<\/span><\/li>\n<li><span style=\"font-size: small;\">Deductibility for student loan interest is simplified and expanded.<\/span><\/li>\n<li><span style=\"font-size: small;\">A new above the line deduction has been made available for the costs of higher education.<\/span><\/li>\n<\/ul>\n<p><b><u><span style=\"font-size: small;\">Estate Planning Information:<\/span><\/u><\/b><\/p>\n<ul>\n<li><span style=\"font-size: small;\">Instead of repealing the estate tax under the new law, it will be phased out over the next nine years, be repealed in 2010 and automatically reinstated in 2011.<\/span><\/li>\n<li><span style=\"font-size: small;\">The unified credit effective exemption amount for both estate and gift tax purposes is currently $1 million for 2002.<\/span><\/li>\n<li><span style=\"font-size: small;\">The exemption from generation skipping transfer (GST) taxes is currently $1,060,000.<\/span><\/li>\n<li><span style=\"font-size: small;\">The estate and GST tax exemptions will gradually rise to $3.5 million by 2009.<\/span><\/li>\n<li><span style=\"font-size: small;\">The gift tax exemption remains constant at $1 million.<\/span><\/li>\n<li><span style=\"font-size: small;\">In 2010, the estate and generation skipping transfer taxes are repealed.<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>&nbsp;<\/p>\n<p>William Go Insurance Agency Locations:<br \/>\nWilliam Lee Go<br \/>\n8616 La Tijera Blvd, Suite 317<br \/>\nLos Angeles, CA 90045<br \/>\nPhone: 310-665-1162, 626-399-1004<br \/>\nLicense No. 0C70895<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Buying your next car, Moving to a new home, Planning for college, Planning for retirement, Preparing your teenager for responsible driving Resources for Teachers Impact of Tax Relief Act 2001 Don&#8217;t dream about your next vacation, plan it! We offer discounts on cruises, hotels, car rentals, airline tickets and vacation packages. 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