Sheeley Insurance Agency

Sheeley Insurance Agency Sheeley Insurance is an Independent Insurance office. We handle over 20 different companies, and are not locked into just one. Let us give you choices.

We can provide you with options that many offices can’t!

03/23/2012

Property:

Don’t get caught underinsured on your property! All real property, whether personal or commercial has a value necessary for coverage to respond properly. If your “bricks and mortar” are underinsured at the time of either a partial, or total loss, all carriers assess what is called a coinsurance penalty. They look at what “should” have been on the property at the time of the loss, what the actual coverage is, and use a calculation to determine the amount of underinsurance. If it is determined the property is underinsured, the owner(you) is assessed additional dollars in addition to your deductible by the carrier.
Consult the insurance professionals at Sheeley today and make sure this does not happen to you!

03/02/2012

Computer passwords

I was just reading an article recently that talked about the security of a computer password. It was noted that a code with just four numbers can take a computer as fast as a second to crack. If you went to an 8 number code, that only adds about 2 minutes! It found though, that if you an eight digit code, and mix it with numbers, letters, and punctuation marks it could take over 200 years!!

The suggestion I got from a good friend in the field was to come up with a phrase that is meaningful to you. Then make your code the first letter of each word and add in some random punctuation or numbers. For example: take this phrase:

Sheeley Insurance is the Best Place to Work.

My password may end up as: siitbptw247!

A code like that may be easy for me to remember, but appears to be completely random to anyone else.

Chris

02/17/2012

School Taxes
Recently our area has seen the serious struggle of the school boards having to close budget gaps. These are caused by a number of items from the negative economic growth in out area, increasing overhead costs, and the payments needed to pay down the debt for construction that was forced on our distrcits when the area was becoming populated.

I'd like to talk about one specific though that we should all consider when thinking about our school taxes. Clearly they rank among the highest taxes pain by property owners. Instead of beating up the school boards and teachers, I wonder what it would look like if we all took the approach that we where going to consider our taxes a true investment. Imagine if we all were concerned about he value we where receiving from the investment into our local schools. Some random thoughts:

1. Because of strong and positive teaching, don't our property values increase? I know that lately we are seeing a reduced demand for housing, driving down values. But a strong school district is still one of the very positive items listed when you sell a property. Our investments into our schools helps build those property values sometimes more than if you put that same amount of money directly into your property .

2. Remember our teachers are not just explaining facts to the children, they are building a base of learning to help them have careers and support themselves for a lifetime. Clearly in this economy many college grads are coming back to live at home for a time, but that base they have from their thirteen years of education will eventually allow them to go out and support themselves. We should be considering how well the children are learning and support that, instead of trying to figure out how to out more children in one classroom!

3. I'd like to show some caution when using average comparisons when talking about teacher compensation. Arguments have been made that they are paid over the average for the county. First thought is that they should be, they are trained professionals, often having five to seven years of higher education behind them, i would expect the teacher of my child to be better than average! I want the best teachers, so doesn't it make sense they would have to be paid a higher than average wage?

4. I heard a comparison today between teachers and dentist. Teachers give the best they can to a students, then have to send them home, often with homework that has to be done to reinforce the learning. If there isn't support at home that student may still struggle. The comparison with a dentist is this though you go get your six month cleaning. The dentist gives you " homework" to brush and floss then in six months you come back and have a cavity. We don't blame the dentist, we don't pay him less because we developed a issue. If is our job to take care of our teeth, he can only do what he can do while you are in this office. The same holds true of teachers. They have your child for sometimes seven hours a day, and can accomplish much. But, parents have to take responsibility for the hours they aren't at school

Hopefully members of the community will start to look at this whole process with a different angle. How do we make sure we are getting the best from our investment in the school, and what can we do to help process?

01/20/2012

Keep Your Pipes Warm This Winter.

If there's one thing you should remember from science class, it's that water
expands when it freezes. Why is this important to know? Well, it's winter,
it gets cold, there's water in the plumbing of your home...you can see where
this is going.

According to the Weather Channel, pipe bursts are not the direct result of
expanding water in a pipe. However, it is this expansion that causes
pressure of the unfrozen water to press up against a closed faucet at the
other end. The increased pressure of the unfrozen water builds up until it
causes failure of the unit to contain it. At that point, a disaster occurs.

While some of us can escape the frigid temperatures by flying south, your
home can't. If you won't be home for an extended period of time or even if
you're heading to bed on a night with extreme cold temperatures, it's very
important to empty out the water from the pipes, To do this, simply shut off
the main water valve in your home. Open up every faucet in the house, and
wait until no more water comes out. If there's no water, there's no
freezing. This is the best way to avoid stress from water damage or the
subsequent claim on your insurance policy.

01/06/2012

New Teen Driving Rule:

I’m excited about the new teen driving rules, and hope that parents across the state will follow them. Certainly the extra training time is always going to be helpfull. Making a requiremtnt that some of those hours occur in bad weather and at night are also very reasonable. My personal favorite is the limitation on the number of unrelated people that can be in the car. I think that most teens are going to drive carefully, but distractions are a serious concern. I know adults that get distracted by the cellphone, radio and even things falling off the seat. Young drivers are going to be distracted by many people in the car, and I like the idea that it will be limited. The other positive is it gives teen drivers the reason to say “no” when asked to drive multiples friends somewhere

12/09/2011

Christmas Tree Safety:
A fresh Christmas tree can be a wonderful centerpiece to your holiday decorations. But it can come with some concerns as well. Please be careful to secure the tree so it doesn't fall and damage any of your precious ornaments. make sure the check the water level in the tree daily, and fill as needed. As the tree dries out, not only do the needles make a mess, but they become more flammable as well. take care when you have lit candles or a fireplace near the tree, and don't leave them unattended.
Best wishes for a safe and joyous holiday season from our staff to you.

Address

518 Sarah Street
Stroudsburg, PA
18360

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