Skyway Security Insurance has rated the top five best and top five worst internet activities in 2008. Top Worst.... 5) Search Engine Lists: While this helps find certain retail items or information many things are not helpful in this type of search. Quality of products, finding trusted people for services, lack of creativity in advertising and costs all make this the worst of the internet. 4)Yellow Page web-sites: These sites are not local based. Traditional yellow books are distributed in local communities. On-line yellow book is a free for all for any business that wants to advertise in the area. This is not helpful in easily finding local businesses and services. The opportunity to rate businesses is unchecked by a third party like Better Business Bureau. 3)Phishing: Many people have been duped by the phishing schemes. Some seem so real that even the most internet savy person can get tricked. 2)Businesses that are only web-page based: Watch out for businesses that are only web-based. They can literally disappear overnight and there is no accountability since no one can find the people who built them. 1) Blogging: Blogging on news and other sites is the number one worst of the internet. This is an opportunity to express the worst feelings and the fiercest complaints in an anonymous manner. The anonyminity encourages a negative downward spiral of thinking or caring. This can alarm others. This activity may be causing problems for our economy since those same bloggers are our neighbors, employees, employers and people that give us service. Traditional editorials are fielded by professional journalist that require a name. We believe this is a better choice. Top Best.... 5) Ease of doing work: For many workers the internet is making jobs easier, more convenient and more satisfying which is the best of the internet. 4) Building a web-site for your business: Web-sites help answer many questions. Most people check out the web-site of businesses they patronize. This helps people bookmark the business, get directions and find the hours of the business so they do not have to write so much stuff down or make as many calls. 3) Email vs Telephone: Email has become as acceptable as a telephone call when contacting family, friends and business associates. While talking in person will always be a good idea email is now accepted as good communication. People are busy and emails get the message moving forward. 2) Information covenience: The information on the web is complete "libertad" for people. Information is no longer difficult to obtain for most personal needs. While one must beware of false information most of our daily needs in locating directions and researching businesses and/or hobbies is a new day for America! 1) Social Networking like Facebook: The number one best of the internet is socializing. Americans lead busy lives and socializing is so important. High quality sites help people stay in touch while protecting privacy. Choose friends carefully to stay safe and get the most out of the web-site. Choose friends you would meet in person if there was more time in a day. People of all ages are enjoying these web-sites. The worst activities are created from the anonymous internet. People will always like the personal touch and to know who is behind the message. An anonymous lifestyle is not the best choice and may cause problems for everyone. The best activities are enhancements to our daily lives. Things people would do normally with much greater ease and satisfaction. A chance to visit with family and friends more often. Life is Good - Enjoy the wonderful Internet!

The search engine quickly became the choice of advertisement for many companies. For the right price, the name of the company is listed "first" on every computer in America. While this may make finding one or two companies easy, the lack of creativity seems to be zapping our marketplace. The message is that companies do not need to be honest, creative, local, provide good service or perform well -- they just need to be first on the list. Do not be fooled by search engines. This drone like advertising is driving many people to acquire insurance that has reduced coverage, problems paying claims and service that leads to consumer complaints. Step above the fray and expect high quality insurance that helps people and their families. Pemco Insurance is one of the oldest local insurance companies in the State of Washington. Pemco knows the people, the weather and the history of the Northwest. This makes Pemco a sturdy mutual insurance company in all kinds of economic conditions. Pemco is steadfast in their help for Washington families. Be a part of the Northwest and reach your potential with Pemco on your side. Call Jim Hale for quotes on Automobile and Homeowners Insurance today!

Not all insurance companies are the same. The details in the insurance contracts are important. For example one company automatically covers Water Backup and Sump Pump overflow coverage up to 5,000 dollars of loss. The second company the agent must add the coverage for an additional premium charge. This will make a big difference when the client calls with a sewer or backup drainage problem. Jewelry is another example. One company insures jewelry to value. The value of the jewelry is agreed upon prior to the loss. The other company trys to replace the diamond at a wholesale value and replaces the piece at actual cash value. Most people have a strong preference in how they want to be treated and they do not discover the difference until long after the purchase of the insurance when the claim occurs. Take the case of a total loss on a dwelling. One company offers extended dwelling coverage up to 50% of the value of the home. When a total loss occurs this coverage is highly beneficial and can help rebuild a home with high quality construction. These differences may appear minimal on paper but when the claim occurs the differences can be night and day. Be sure to talk to Jim Hale at Skyway Security Insurance if any of these are of a concern to you and your family.

Trying to choose an insurance company is a daunting task. There are so many companies trying to capture the attention of the consumer. People are overwhelmed and the market is bogged down. This is a double edged sword. First the insured may have a policy that is not that great. Second agents and producers are just scrambling to meet quotas. One method of choosing a good company is to compare complaints at the Washington State Insurance Commissioners web-site. Any company that has a Complaint index of over one is a concern. Check out your company under "Read More". Find out if they really perform as well as the commercials are entertaining. Pemco is proud to have a below average complaint index three years in a row and has been rated outstanding in service by JD Power and Associates. Real Insurance for real people.

There are two ways to cover jewelry. The best method is to schedule individual pieces. Baubles that are worn frequently are best insured on a Jewelry Schedule. Scheduled jewelry covers all types of loss including lost, theft, fire and damage. There is no deductible and the premium is affordable for jewelry worn everyday. Jewelry can also be covered under a blanket coverage or special property coverage. This can provide increased limits and additional coverage for loss. This coverage has limits per item and a deductible may apply. The most important thing to remember is to check the policy to determine if the jewelry is covered. Jewels like artwork are highly individual. The insured is responsible to review the policy and make sure the jewelry is covered. Check your policy and wear your beautiful jewelry. Enjoy Life!

Do not hurt yourself. Choose an Insurance company with a good record. Good insurance does not need to cost more. PEMCO�s Safe Driver Plan ensures our policyholders aren�t penalized with larger insurance premiums because of someone else�s higher-risk habits. If you�re age 16 or older, you�ll receive one Safe Driver Year for every 12 consecutive months you�re with PEMCO with no chargeable activity on your driving record. After three years, you start earning discounts. Based on accumulated Safe Driver Years, one of the following discounts may apply to a vehicle: After 3 years up to 7% After 5 years up to 10% After 7 years up to 15% After 10 years up to 20% The discount applies to premium for Bodily Injury, Property Damage, Personal Injury Protection, and Collision coverages. Only one discount can be applied to a vehicle.

Remember Perry Mason? He was the great detective in the wheel chair. He was able to solve any mystery. There is no mystery in purchasing insurance from an Independent Agent. A person that purchases from an Independent Agent gets more for their money. This is true. Independent Agents work for the client. A person can talk to an Independent Agent and decide when to use the insurance policy. The insurance company is notified about claims, vehicle purchases, address changes and many other events when the client with valued advice from their Independent Agent decides. Clients are able to call their agent without the worry of a cancelled policy over a maintenance issue or claim the company does not cover. While not all insurance companies raise rates over claims many do look for opportunities to increase rates. A qualified Independent Agent can hold insurance companies accountable. Independent Agents work for the client and this is added value to the insurance process. An Independent Agent can be a valuable asset to your network of people that you can call during hard times.

This depends on the agent. A trustworthy person that is helpful is a valuable resource. The premium is the same whether you purchase from an agent or directly from the company. If you purchase from an agent you can get a lot more service and support for your money. This is most important in the event of a claim. If you do not like what the insurance companies are doing and you do not have an agent the only option is to fight your own insurance company. With an agent many situations can be handled and negotiated to the clients satisfaction without an unpleasant experience or hiring a personal lawyer. Agents are also available to answer questions about the policy or billing and help with changes to the policy. Since insurance is neverending most people appreciate having the same person to call that provides good service over the many years of dealing with insurance.

The market place for insurance products and services seems to have changed dramatically in the last decade with the computer and internet. Do not be fooled by images, gimics or computer programs. High Quality Insurance is still the same. Regardless of how you purchase your insurance policies or which agent or company is selling the products insurance is still the same. A person should consider which company is most trustworthy, who they want to discuss the policies with and how they want to pay for the policies before any purchases are made. An auto and home insurance policy covers personal property and liability. The policies should always be clear about how much coverage is provided. The policy should also state the effective date and the term either six months or one year. Any missing items or confusion can lead to reduced coverage in the event of a claim. A policy is always issued with a contract that explains the coverages. If you receive a policy without a contract you have not purchased a real insurance policy. Call our office for an individual review of current insurance policies.

Your future is bright and many of us have a favorite teacher to thank. Whether that teacher was from Kindergarten, High School or a Professor at the University teachers are special. Maybe just a kind word or a new thought we all know that teachers have helped us along the way. Pemco Insurance Company is just for that reason. Pemco gives back to teachers. Pemco gives rates to teachers that help them along their way. Any person that is working for a school district or university is eligible. This is an opportunity for teachers and the employees at the schools to receive the best rates for the best insurance products. Be sure to tell your friends and neighbors that give a lifetime of service to education to give us a call so we can give back a little to the teachers that have made our future bright.

Owners of the BERMILLION Company, Bong and Pia Bernardino, adopt a new Chihuahua named Bogo. This highly talented couple has many demands on their company and we are grateful for the services from BERMILLION. The web-site looks great! Thank-you Bong and Pia.