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IMPORTANT CHANGES FOR NY USED MOTOR VEHICLE DEALERS

Effective April 8, 2017, the New York Department of Motor Vehicles made changes to the surety license bonds required of Used Motor Vehicle Dealers: 

 Annual sales up to 50 vehicles will now require a $20,000 bond.
 Annual sales over 50 vehicles will now require a $100,000 bond.  

We remain an active market for these bonds and can help you with your bond for the increased amounts!  We have many companies to choose from and can shop around to find you the best rate.

If you currently have a bond through our agency with CNA Surety, we are proactively assisting by automatically increasing all current $25,000 bonds to $100,000 by rider at their next renewal. However, we are unable to automate the $10,000 bonds, because with the changes in the sales thresholds, we would need to know which bond amount is needed before increasing the bond to either $20,000 or $100,000.  Once you know your bond amount, you can contact us for help.

If you have any questions, please feel free to contact us at 315-363-0223 or info@tiains.com.  Tanner Insurance Agency Inc. continues to lead the industry by striving to be the Motor Vehicle Dealer insurance expert.  Let us assist you with the entire process from the bond, filling you in on the application process, helping with liability & property insurance and much more! We are here for you!
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315 & 680 Prepping for Area Code Change February 11, 2017

On February 11, 2017 the now 315 geographic area will gain a new area code 680. The new 680 area code will cover the same geographic area as the now 315. The numbering plan administrator was running out of numbers with the 315 prefix.  Following are instructions on what has to be done to handle the new addition:

1) For most cell phone customers it simply means making sure all of the contacts in your address book have the area code before the 7 digit number.  If not you will need to add that before February 11.

2) For home phone customers you will want to remember to dial 1+315 and then the number or 1+680 and the number for any numbers you wish to dial.

3) When speaking to others and gaining new contacts be sure to confirm whether it is the 315 or 680 area code. March 11th is when the numbering administration will begin handing out numbers with the 680 prefix.

4) One of the most important things we want our clients to know is if you have an alarm system at home.  If you have an alarm system that dials a number when it is triggered you have to make sure it has the appropriate area code as well.  Please contact the alarm system company if you need assistance.

5) Teach your children the phone number with the area code to reach you.

6) Lastly, if you still use dial up you may need to program your modem to dial the new prefix.

Things that won't change:

1) If you don't dial the full 10 digit number you will get a recording advising you to hang up and try your call again.

2) You can still call 911, 411, 211, 511 etc - no area code required, and  your bill won't change.

As always, if you have questions or need more information, please feel free to contact us at Tanner Insurance Agency, Inc.


On February 11, 2017 the now 315 geographic area will gain a new area code 680. The new 680 area code will cover the same geographic area as the now 315. The numbering plan administrator was running out of numbers with the 315 prefix.  Following are instructions on what has to be done to handle the new addition:

1) For most cell phone customers it simply means making sure all of the contacts in your address book have the area code before the 7 digit number.  If not you will need to add that before February 11.

2) For home phone customers you will want to remember to dial 1+315 and then the number or 1+680 and the number for any numbers you wish to dial.

3) When speaking to others and gaining new contacts be sure to confirm whether it is the 315 or 680 area code. March 11th is when the numbering administration will begin handing out numbers with the 680 prefix.

4) One of the most important things we want our clients to know is if you have an alarm system at home.  If you have an alarm system that dials a number when it is triggered you have to make sure it has the appropriate area code as well.  Please contact the alarm system company if you need assistance.

5) Teach your children the phone number with the area code to reach you.

6) Lastly, if you still use dial up you may need to program your modem to dial the new prefix.

Things that won't change:

1) If you don't dial the full 10 digit number you will get a recording advising you to hang up and try your call again.

2) You can still call 911, 411, 211, 511 etc - no area code required, and  your bill won't change.

As always, if you have questions or need more information, please feel free to contact us at Tanner Insurance Agency, Inc.


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EMPLOYEE SPOTLIGHT: Lt. William Basher

William "Bill" Basher joined Tanner Insurance Agency Inc in our Norwich Office in 2009 as a licensed agent that specializes in commercial insurance and has over 23 years of experience. He lives in Hamilton with his wife Kristen and daughters Emma & Taylor.  In his spare time he enjoys hiking the high peaks of the Adirondack mountains and watching his daughters participate in soccer, basketball, softball, karate, plays & orchestra concerts. He also plays a very important role in the community!

 Lieutenant William Basher of the Hamilton Fire Department, Fountain Fire Company No. 1, accepts a donation from Pauline Pisiak Uvanni, founder of the Victory/University Automotive Group.  University Chrysler, Dodge, Jeep and Ram will open their new state of the art dealership in January 2017 on Route 12B in Hamilton. 

In addition to their generous donation to the Hamilton Fire Department University Chrysler, Dodge, Jeep and Ram will sponsor one of the major prizes at their 2nd annual Casino Night Fundraising event on February 25th at the White Eagle Conference Center in Hamilton.  They have donated at 40” Hisense H3 HDTV that will be offered as one of the many raffle prizes at this event.  To learn more about this event or to purchase tickets please visit their website at www.hamiltonfd.org or on Facebookhttps://www.facebook.com/Hamiltonfdcasinonight

 

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Buying a Car?

Things to Consider Before You Buy A Car In New York

Buying a car in New York sometimes leaves a lot of car owners wondering if the car they bought is actually worth the price. Before you buy a car, you want to be sure you are getting the best deal. You also want the process to be smooth and less stressful. Although you will get good car dealers in New York, you also want to do your homework and get prepared before you even visit the dealer's showroom, as this will increase your chances of having a remarkable car buying experience.

Remember that car buying is a major lifetime decision which you will be spending a whole lot on. Here are some things you need to know before buying a car in New York:

Define Your Car Budget

You want to narrow your search to a car that is within your budget. So carve out your car budget from the onset. Even when you are opting for an auto loan, you will also have to keep some extra cash aside for minor expenses like car insurance, registration fees, taxes, fuel, and maintenance.

If you are going for auto loans, this is the perfect time to go about it. There are several auto loan options available; from local auto dealers and lenders to online lending firms.

Whatever loan option you choose, remember to compare different quotes. Lenders have their unique lending requirements, so you will get a different quote from each lender.

Why Do You Need a Car?

This is a very critical question to answer before you visit the showroom. Do you need a car to travel to your office every day or you need a one to drop off your kid’s at a nearby school daily? In the case of the former, your focus should be on mileage and efficiency; while for the latter, a high-safety car is most ideal.

Before you buy a car, decide on the purpose of the car.

Do Your Homework - Thoroughly

Critical research will help you cut out the chances of having issues with your car after purchase. So, before you strike a deal with a car dealer, check out their reviews and read the views of other users about the particular car. You can also read magazines like Motor Trend, Automobile, Road and Track, etc. You may also seek opinions of relatives, colleagues and friends.

Are you ready for the search for your dream car?

Remember buying a car is a major investment. You may be putting a chunk of your hard-earned savings into it. Also, the payments made will always serve as a remembrance, reminding you of the decision you made- whether good or bad. So, the onus is on you to make the right decision

 §  Car Dealer says you have 30 days to insure your new car? Beware! It’s not always true!

§  Car Loan Upside Down? Get the insurance, but not from the dealer.

§  Buying a used car? If it sounds too good to be true, it probably is.

§  Buying a car for your teen? Read this.

§  Thinking about co-signing on a loan? We don’t recommend it.


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Time to Give Thanks and Give Back!

Thanksgiving, Christmas and the holidays are typically a time when people stop and reflect on all the things that they are thankful for. Not everyone is as fortunate.  Maybe you help by volunteering at a food kitchen or donating supplies.  There is another way you can help.  April, from our Madison office, heads up the Salvation Army Red Kettle Campaign in our area. Every year she and her family stand outside of Price Chopper in Hamilton NY to ring the bell and collect donations for the organization.  She helps in many other ways too by putting together gift baskets for less fortunate families in our community.  There is a calendar with slots that need filling.  People volunteer to ring the bell for the Salvation Army.  With your help, we will raise funds here in Hamilton to directly provide emergency assistance to people in need in our community including Madison NY.  The Salvation Army Red Kettle Campaign funds are used for such emergencies as Food, Clothing, Shelter, Medical expenses, Utilities, School Supplies, even disaster relief!  

Click the link to view the time slots available: http://www.signupgenius.com/go/30e0e44a5af2ea7ff2-hamilton

April Staelens can be reached at (315) 982-8268 with any questions or if you need help registering to fill a slot you can just give her a call.

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Let's Talk Turkey...

Many families will be celebrating the Thanksgiving holiday by having a turkey on your dinner table.  In the past I have blogged about ways to avoid kitchen fires...so please read that blog regarding fire prevention. Today lets talk about the turkey specifically.


How to pick the right size turkey: 
 Typically the rule is one pound of turkey for every 1 person, and only use a 1/2 pound per child.  You may want to use 1lb for everyone so you have plenty of leftovers.

How to thaw your turkey: If it is a frozen turkey you should take it out of the freezer and leave in the refrigerator for approximately 3-4 days. For larger turkeys it could take up to 6 days.

How to prepare your turkey:  Once your turkey is thawed, remove the neck and giblets.  I recommend rubbing butter and spices, garlic, salt, pepper on the skin.  Some people like to use poultry seasoning as well. You can also rub this between the meat and the skin.  I then put that in a dutch oven or deep dish baking pan. I throw the giblets and neck right in the bottom of the pan along with 2-3 cups of water.  Cover with a lid or aluminum foil.  If you use aluminum foil - stick some tooth picks into the top of the turkey so the foil does not touch the skin.

How long to cook your turkey:  Normally the rule is 30 minutes per pound.  If it is a twelve pound turkey I cook covered for 5.5 hours, then I uncover, stuff with stuffing, butter the skin again, drain out as much juice as possible and set aside in a separate container or pan, along with the neck and giblets, and place back into the oven uncovered for the half-hour.

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4 Ways to Market Your Business for FREE

The internet is a powerful tool for marketing your small business.  78% of individuals in America are using some sort of social media and the number of individuals world wide is expected to double by 2018.  Following are 4 ways you can market your business for free:

1) CREATE:  Create something for your target market.  Maybe it is a portfolio of your products, webinar that teaches something valuable, a checklist or quiz on Facebook or even a challenge related to your business or product.  It should be something of value that you can offer clients for free.  Once you get started you can even repurpose the items to fit a different audience. 

2)  SPREAD THE NEWS: Once you have created something of value for your clients now you can share the information.  You will want to post it on your social media accounts, ie. Facebook & Twitter.  Share it on your website and your Google+ profile.  A very popular new tool is going live on Facebook.  You could share the news about your new content on a live video feed on Facebook just using your smartphone.

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8 Steps to Starting Your Small Business

There are several things you need to know when starting a small business.  You probably already 'really' started your business but now you want to make it official.  Great news.  Following are the 8 steps you need to know when starting a business:

1)  Write a business plan:  Every business should have a business plan.  A business plan is a written guide or map on what goals your business would like to achieve with regard to marketing, financial and operations, and how to make them happen.  There are several parts to a business plan and we will point out some resources later for you to utilize when writing your business plan.

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5 Things You Need to Start Your Photography Business

If you are reading this blog, then perhaps you are a photographer that is ready to take their passion and take it to the next level.  There are plenty of opportunities to make money by launching your photography business, but there are some essentials things you will need to get started.

1) Equipment

Every photography needs a good camera, tripod, camera bag, lighting, lenses.  You might also consider some backdrops and props to help you stand out from the others.  Investing in good equipment will improve the quality of your photos.

2) Studio Space

Once you get going you may want to consider renting or buying some space for a photography business studio.  Clients could come to you for photography sessions.  

3) Reliable Transportation

More and more people are interested in location photography sessions.  Having reliable transportation is a must.  You wouldn't want to tell a bride you are going to be late because your car broke down.

4) Client Contracts

You will want to have your clients sign a contract.  This protects you and them by clearly having everything upfront and in writing. This also helps to ensure both sides understand what is expected. Be sure and have any contract reviewed by your attorney and insurance agent to be sure all the important legal wording is included.

5) Insurance

Last, but certainly not least be sure you have an insurance policy in place.  The photography business insurance policy will protect your equipment and supplies, perhaps the building and business personal property for your studio and provide liability protection.   Having the proper insurance also helps boost your credibility with clients. We could provide proof of insurance to your clients at no extra charge.  Photography business insurance policies are VERY affordable and start as low as $30.31 a month.

Feel free to contact us with any questions or if you would like to discuss getting your photography business started.  We can point you in the right direction of FREE resources for starting a business and be sure you are protected properly by having the proper insurance in place.

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SPECIAL REPORT: HALLOWEEN SAFETY TIPS

Halloween is a fun and exciting time for children and adults alike. It’s also a time when accidents and tragedies abound. Many Halloween parties and activities begin starting this weekend.

The following is a list of things you can do to ensure that your loved ones have a safe and fun Halloween.
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