Douglas W. Motz Insurance Agency, Inc.

"Carpooling for Hire" for Stagecoach or Coachella Fest

2012-03-14T09:18:00.002-07:00

In the past, many people have been known to “carpool for hire”, meaning they will drop off & pickup passengers at Stagecoach or Coachella Fest for a fee. Did you know that your auto insurance policy has an exclusion that will deny coverage if you use your vehicle for "public conveyance", which simply means if you use your car to “carpool for hire” and use it as a taxi cab. Your personal auto insurance will most likely not cover you in the event of an accident.

The basis for having the "public or livery conveyance" exclusion is that when you are hiring out your vehicle for transport, you are in a commercial activity and that's where your personal auto insurance policy draws the line. You will have an increased number of passengers in the car, which also increases the risk.

Be sure you check with your insurance agent and the dmv BEFORE you decide to “carpool for hire”.

Call Doug Motz at Douglas Motz Insurance Agency
@ 760-200-0270 or go to www.DougMotz.com
for any questions regarding this situation.

Do You Plan on Renting Your House or Condo for Stagecoach or Coachella Fest?

2012-03-13T17:05:00.004-07:00

Many homeowners in the desert rent their houses or condos for Stage Coach or Coachella Fest, thinking they are going to make A LOT of extra money for a weekend. But, they assume their homeowner’s insurance policy will cover their property in case of a fire, theft, damage or a liability claim. Homeowners insurance covers owner-occupied structures, your personal property such as furniture, TV’s, clothes, personal liability for lawsuits and medical bills resulting from injuries sustains on your property.

If you decide to rent your house or condo for the weekend or week you will need to purchase a Short Term Vacation Rental Policy. Keep in mind this in NOT the same thing as a “landlord policy” which is for a long term lease. Renting the home you live in for a weekend or a week has different insurance requirements than if you were to have a long term rental. When you rent your home long term the risk is not as high as if you are renting it short term. Most homes, when rented long term, have minimal appliances and furniture. When you rent the home you are living in it will most likely have all of your furniture and personal possessions in it.
Your primary homeowners insurance policy will not offer protection if you decide to rent out the home you live in.

Be sure you check with your insurance agent BEFORE you make any changes or decisions no matter how small or insignificant you think a situation might be.

Call Doug Motz at Douglas Motz Insurance Agency @ 760-200-0270
or go to www.DougMotz.com for any questions regarding renting your house/condo for Stagecoach or Coachella Fest.

Business Etiquette

2012-02-24T16:22:00.004-08:00

At many business functions and other networking events I have come across, many business owners or employees in management positions, treat some business or service professionals as if they are beneath them. Networking and business events give business professionals and their employees an opportunity to meet and confer with colleagues and potential clients. From educational breakfasts and social luncheons, to after work happy hours, to more formal networking events such as conferences, expos or trade shows, no matter the setting or event, it's important that attendees exercise the same respect for one another. Be sure when you are at these events you are not constantly “hounding” the business associates you meet to get them to buy the product or service you are trying to sell. Of course you want to introduce & inform them of what it is your are selling, but do not keep after them, or when they see you at the next function they are going to avoid you.

As business professionals, we need to treat EVERY business owner, professional service person, clients/customers, co-workers, managers, business associates and most importantly, volunteers, with respect and consideration. We need to be polite to one another no matter who we are dealing with. Business etiquette is about carrying yourself in a professional manner and using self control. When you are not respectful to others they will want to avoid you and will NO longer want to do business with you. How you present yourself says as much about your credibility as a good reference ever could. Your personal character has the power to ignite your professional success or it can ruin your progress.

If someone calls you or emails you, be sure to have the courtesy of returning their phone call or email. You might think it is not important & that they do not count because they are JUST a business associate and they are NOT a customer or a client. They may be calling because they either need to use your business or have a referral for you. There may be a day when you might either need to hire that business or refer that business. Remember we are ALL in business TOGETHER; we ALL need one another at some point in time.

If you call someone and they do not return your call or email right away DO NOT keep calling and leaving, messages, especially if it is the same day. Chances are they are VERY busy & will return your call when they get the chance. At least give the person 24 hours to return your call or email before calling them again. Also, be sure to check your messages, they may have left you a message that you did not check.

It is especially important in all areas of business to conduct yourself with integrity and professionalism, demonstrating manners at all times. This will help avoid any tension or conflict with clients, co-workers or colleagues while upholding your reputation within the business community.

And most importantly is “The Power of a Thank You”! Many people have gotten away from just saying a simple “Thank You”, it is a very powerful message. It needs to be said to those who have helped you in ANY way, even for the small things. People want to feel appreciated.

Thank you for taking the time to read this article.

For further information call Doug Motz at
Douglas Motz Insurance Agency @ 760-200-0270 or go to www.DougMotz.com

Financial Peace University FREE Preview Class

2012-02-11T08:47:00.001-08:00

FREE Preview Class will be Tuesday, February 28 at 6:30pm...
Come and see what Financial Peace University is all about!

Shadow Mountain/Shadow Rock Church will be holding
Dave Ramsey's Financial Peace University
beginning March 6, 2012 from 6:30-8:30 P. M., at their Thousand Palms church location: 75580 Ramon Rd - Thousand Palms, CA 92276

Financial Peace University classes meet for two hours each week for 13 weeks, during which time the average family pays off $5300 in debt and saves $2700. The cost for the 13 week course is $100.00 per family.
Doug Motz from Douglas Motz Insurance Agency will be the class moderator.

What is Financial Peace University?
Financial Peace University (FPU) is Dave's life-changing program that teaches you to achieve your financial goals by eliminating debt, saving for the future, and giving like never before. More than 1 million families have attended FPU with amazing results. You will be challenged and motivated to make a plan for your money and change your family tree forever!

What will you learn in Financial Peace University?
In 13 action-packed lessons, you'll learn how to beat debt, build wealth, find bargains, invest for the future, give like never before, and much more! This information will change your life. Here is a small sample of each week's subject:

Lesson 1
Super Saving
Dave explains the Seven Baby Steps that will guide you throughout Financial Peace University. You will also learn the three key reasons why you should save money—and why you must start now!

Lesson 2
Relating With Money
Learn why it's important for spouses to communicate and work together toward success. Also, singles will learn the importance of teamwork, and parents will find out how to teach their kids about money.

Lesson 3
Cash Flow Planning
Unlock the secret of developing a monthly spending plan that really works.

Lesson 4
Dumping Debt
It's time to debunk some common debt myths! Dave reveals the truth about credit lies and gives you a plan to walk out of debt with confidence.

Lesson 5
Credit Sharks In Suits
What is a credit score, anyway? Join Dave as he unpacks your credit rating and shows you how to handle collectors when they call.

Lesson 6
Buyer Beware
Dave Ramsey draws on decades of experience to reveal the power and influence that marketing has on your everyday buying decisions. Let the buyer beware!

Lesson 7
Clause and Effect
In this lesson, Dave walks you through the world of insurance, carefully explaining what you need—and what you need to avoid.

Lesson 8
That's Not Good Enough!
Discover the seldom-used secrets of buying only big, big bargains—every time! Before you know it, you’ll be saying, "That’s not good enough!"

Lesson 9
Of Mice and Mutual Funds
Dave breaks through the jargon surrounding long-term investing and empowers you to make your own decisions about your investments!

Lesson 10
From Fruition To Tuition
Dave walks you through the maze of retirement options and helps you figure out the right path for you. You will also learn how to plan for college so your kids can graduate debt free!

Lesson 11
Working In Your Strengths
This lesson will show you how to avoid dead-end or mind-numbing jobs and provide tips for job hunting, writing a résumé, and acing an interview. Plus, you’ll learn tips for finding extra jobs if you need cash to attack your debt snowball.

Lesson 12
Real Estate and Mortgages
Dave draws on over 20 years of real estate experience to teach you how to win when buying or selling your home. Plus, he’ll dissect all of the common mortgage options available today, showing you what to choose—and what to avoid.

Lesson 13
The Great Misunderstanding
Warning! This lesson will challenge the way you think about money. Dave will show you how generous giving can completely revolutionize your attitude and improve your finances, business and relationships.

To sign up for this class or for further information please call:
Shadow Mountain @ 760- 343-0550
or call
Doug Motz @ 760-200-0270

25 Uses for Coffee Filters

2012-02-08T14:38:00.000-08:00

By: Carole Motz/Douglas Motz Insurance Agency

Have you ever bought a package of 1000 coffee filters & thought what will I do with ALL those coffee filters? There are many things that you can do with coffee filters other than filter coffee. Here are 25 uses for them:

1. Cover dishes when they’re cooking in the microwave to prevent splatters & messes.
2. Wrap a filter around tacos shells, hot dogs, pita sandwiches, etc… to prevent the grease and other things from making a mess.
3. Use them as disposable bowls for popcorn, chips and other snacks.
4. Use them to absorb the grease from fried foods. Put them on the plate and put your french fries, chicken fingers, bacon and other fried food on top.
5. Use them in soup stock by placing fresh herbs in filter & then tying & put into soups and stews.
6. Use a filter to hold dry ingredients when baking.
7. Recycle frying oil. After frying, strain oil through a sieve lined with a coffee filter.
8. Protect hands from a drippy Popsicle by sliding the wooden stick of the Popsicle through a coffee filter to prevent messy hands.
9. Use them as a spoon rest while cooking.
10. Cookie liner: Layer homemade cookies with a flattened filter & separate the layers of cookies.
11. Use to filter a broken cork out of a bottle of wine.
12. Separate fine china or dishes by layering a flattened coffee filter between each dish to prevent scratches and scuffs.
13. Line Teflon pans so they don’t scratch or scuff when stacking them.
14. Put a filter inside cast-iron skillets to absorb excess moisture when it’s not in use to prevent rust, scratches & other wear.
15. Put potpourri into the filter, tie it up and put into your drawers.
16. Make your own dryer sheets by putting a few drops of fabric softener on a filter and rubbing the sides together. Put one in the dryer to help prevent static cling and they will also make your clothes smell fresh.
17. Use a folded up coffee filter under the leg of a wobbly chair or table to even it out.
18. Put baking soda into a coffee filter, tie it and put it into shoes or a closet to absorb and prevent unpleasant odors.
19. Line your plant pots with a filter to keep the soil from leaking out of the drainage holes when you water them.
20. Use them to clean mirrors, chrome, windows, computer & television screens. They are lint free & will not leave any residue behind.
21. Use to diffuse the flash on a camera. When you’re taking a close-up, soften the brightness by placing a coffee filter over the flash.
22. Use them to wrap Christmas ornaments for storage.
23. Use a filter to prevent spilling when you add fluids to your car.
24. Out of cotton balls? Use them to remove fingernail polish.
25. They are great to stop bleeding from razor nicks when shaving.

For further information call
Douglas Motz Insurance Agency @
760-200-0270 or go to www.DougMotz.com

Carole's Gormet Cornbread Muffins

2012-02-02T15:17:00.000-08:00

Here's something with a little "kick" as a side to your chili or soup!

2 Sticks of butter, softened (1 cup)
1 C Sugar
4 Eggs
1 15 oz can cream corn
1 15 oz can Mexican Style whole kernel corn
2 oz Ortega diced mild green chilies/drained
1 Minced jalapeno (can use 2)
½ C Shredded Monterey jack cheese
½ C Shredded Cheddar cheese
1 Package Marie Calendar Corn Bread Mix

Preheat oven to 300

Lightly grease w/butter a 9 x 13 baking dish
In large bowl, beat together butter & sugar. Beat in 1 egg at a time
Blend in cream corn & Mexican Style corn, chilies & cheeses
Blend in Marie Calendar Corn Bread Mix
Bake in middle of oven for 1 hour or until toothpick inserted into center comes out clean.

For further information call:
Douglas Motz Insurance Agency @ 760-200-0270
or go to DougMotz.com

Carole's Super Bowl Chili

2012-02-01T10:00:00.000-08:00

Ingredients

1/2 lb dry pinto beans, rinsed (pick out debris)

5 cups canned diced tomatoes in juice

2 large green bell peppers coursely chopped

3 cups coursely chopped onions

2 cloves crushed garlic

1/2 cup fresh chopped parsley

6 tablespoons vegetable oil or olive oil

2 1/2 lbs beef chuck (preferably prime cut), cut into 1/4 to 1/2 inch pieces, trimmed completely of fat

1 lb shoulder pork cut into 1/4 to 1/2 pieces and trimmed completely of fat

1 1/2 teaspoons ground cumin

1/2 cup chili powder

1 tablespoon salt

1 1/2 teasppoons pepper

Preparation

Put beans in pot & cover with water, simmer until tender. Stir in tomatoes with its juice, simmer five minutes.

Saute bell pepper in 2 tablespoons oil for five minutes. Add onion and cook until tender, stirring frequently. Add garlic & parsley.

Saute beef & pork in remaining oil until browned. Add meat to vegetable mixture with the chili powder, cumin, salt & pepper, cook for 10 minutes. Add beans & tomato mixture, simmer covered for 1 hour. Uncover and simmer for an additional 30 minutes. Skim off fat/grease.

Serves 8

Toppings

Shredded cheddar cheese

Sour cream

Chopped onions

Sliced olives

Diced fresh tomatoes

Recipe courtesy of:

Douglas Motz Insurance Agency

760-200-0270

www.DougMotz.com

Dave Ramsey's Financial Peace University

2012-01-27T12:44:00.000-08:00

Shadow Mountain/Shadow Rock Church will be holding
Dave Ramsey's Financial Peace University
beginning March 6, 2012 from 6:30-8:30 P. M., at their Thousand Palms church location: 75580 Ramon Rd - Thousand Palms, CA 92276

Financial Peace University classes meet for two hours each week for 13 weeks, during which time the average family pays off $5300 in debt and saves $2700. Doug Motz from Douglas Motz Insurance Agency will be the class moderator.

What is Financial Peace University?
Financial Peace University (FPU) is Dave's life-changing program that teaches you to achieve your financial goals by eliminating debt, saving for the future, and giving like never before. More than 1 million families have attended FPU with amazing results. You will be challenged and motivated to make a plan for your money and change your family tree forever!

What will you learn in Financial Peace University?
In 13 action-packed lessons, you'll learn how to beat debt, build wealth, find bargains, invest for the future, give like never before, and much more! This information will change your life. Here is a small sample of each week's subject:

Lesson 1
Super Saving
Dave explains the Seven Baby Steps that will guide you throughout Financial Peace University. You will also learn the three key reasons why you should save money—and why you must start now!

Lesson 2
Relating With Money
Learn why it's important for spouses to communicate and work together toward success. Also, singles will learn the importance of teamwork, and parents will find out how to teach their kids about money.

Lesson 3
Cash Flow Planning
Unlock the secret of developing a monthly spending plan that really works.

Lesson 4
Dumping Debt
It's time to debunk some common debt myths! Dave reveals the truth about credit lies and gives you a plan to walk out of debt with confidence.

Lesson 5
Credit Sharks In Suits
What is a credit score, anyway? Join Dave as he unpacks your credit rating and shows you how to handle collectors when they call.

Lesson 6
Buyer Beware
Dave Ramsey draws on decades of experience to reveal the power and influence that marketing has on your everyday buying decisions. Let the buyer beware!

Lesson 7
Clause and Effect
In this lesson, Dave walks you through the world of insurance, carefully explaining what you need—and what you need to avoid.

Lesson 8
That's Not Good Enough!
Discover the seldom-used secrets of buying only big, big bargains—every time! Before you know it, you’ll be saying, "That’s not good enough!"

Lesson 9
Of Mice and Mutual Funds
Dave breaks through the jargon surrounding long-term investing and empowers you to make your own decisions about your investments!

Lesson 10
From Fruition To Tuition
Dave walks you through the maze of retirement options and helps you figure out the right path for you. You will also learn how to plan for college so your kids can graduate debt free!

Lesson 11
Working In Your Strengths
This lesson will show you how to avoid dead-end or mind-numbing jobs and provide tips for job hunting, writing a résumé, and acing an interview. Plus, you’ll learn tips for finding extra jobs if you need cash to attack your debt snowball.

Lesson 12
Real Estate and Mortgages
Dave draws on over 20 years of real estate experience to teach you how to win when buying or selling your home. Plus, he’ll dissect all of the common mortgage options available today, showing you what to choose—and what to avoid.

Lesson 13
The Great Misunderstanding
Warning! This lesson will challenge the way you think about money. Dave will show you how generous giving can completely revolutionize your attitude and improve your finances, business and relationships.

To sign up for this class or for further information please call:
Shadow Mountain @ 760- 343-0550
or call
Doug Motz @ 760-200-0270

Why Does My Business Need an Annual Insurance Review?

2011-12-31T11:43:00.001-08:00

By: Doug Motz/Douglas Motz Insurance Agency

As a responsible business owner, there are some things that you need to do every year. One of those things is to make sure your insurance coverage’s are still relevant to your ever evolving business.
Many business owners get complacent and have no idea how underinsured they are. They have had their policies in place for 15 to 20 years with the same coverage they had when they were working out of a small office, with a desk, one computer, and some generic bookcases. Now they’re up to 25 employees with workstations and more updated office equipment. Just as a business can be under insured, it can also be over insured. Your company may have downsized, laying off employees, or may have moved to a smaller building or office space. This all affects your coverage & costs.

Most small businesses start out with very basic insurance coverage, usually a general liability policy and a commercial property policy, often times sold together as what is known as a B.O.P.- business owner’s policy. But as companies grow, other types of insurance become important, such as the following:

♦Workers’ compensation insurance: Required in many states once a business employs a certain number of people; provides payment for medical expenses and lost wages when employees are hurt on the job.
♦Professional liability insurance: Covers mistakes in service provided by the insured, and typically pays the fees of defense attorneys.
♦Hired and non-owned auto insurance: Protects a company if an employee causes an accident while driving a rented or personal vehicle.
♦Umbrella or excess liability insurance: For claims that exceed standard policy limits.
♦Employment practices liability insurance: Provides coverage for HR issues such as violations of discrimination, harassment and termination laws.
When you conduct your annual insurance review, be sure to ask your agent or broker whether you need any of the following policies:
♦Location: Has your business moved, added or closed locations? Rates for your general liability or business owner’s policy could change depending on whether your total square footage has increased or decreased, where your new facilities are located, or what class of building you’ve acquired.
♦Business property: Have you purchased or eliminated computers, equipment, office furnishings and supplies, or add completely new items or other property? You may need to increase or decrease your commercial property policy limits. It is possible that your existing policy does not offer sufficient coverage for the new equipment and that your limits or exclusions need to be adjusted. Also, you need to find out if you are being reimbursed for replacement value or actual cash value. When you have hard-to-replace equipment, an actual cash value reimbursement may not be enough to make you whole and help you replace the equipment if it is damaged or stolen.
♦Employees: Has the size of your workforce increased or decreased? The size of your workforce can determine whether you need workers’ compensation insurance.
♦Revenue: Have your company’s annual sales increased or decreased? The more business you do, the greater potential liability you face.
♦Vehicles: Business owners should also consider any changes that have been made to the vehicles used for their business. If a new vehicle has been purchased for the business, you may need to increase the limits on your policy in order to protect its value fully. Or, if your company vehicle has lost value during the year, you may want to lower your auto policy limit in order to accommodate its reduced value. This will also reduce your premium.
♦Services: Are you offering new types of services? You may need to add endorsements to your general liability policy to cover certain types of work.
♦Clients/Customers: Are you serving new industries? Some professional liability insurers do not like it if your business is overly concentrated in servicing certain high-risk industries.
♦Travel: Are your employees on the road more in rented cars than in their own cars? If so, you may need “hired and non-owned auto” coverage.

If you haven’t been reviewing your insurance coverage each year, start now. There’s little to be gained by carrying the wrong types or amounts of insurance and potentially much to be lost. An insurance policy can only offer effective protection when the insurance company actually knows what it is that needs protecting.

Call Doug Motz at Douglas Motz Insurance Agency today at 760-200-0270 for an Annual Review
and to discuss any of your insurance policies.

Why Does My Business Need an Annual Insurance Review?

2011-12-30T16:13:00.000-08:00

By: Doug Motz/Douglas Motz Insurance Agency

As a responsible business owner, there are some things that you need to do every year. One of those things is to make sure your insurance coverage’s are still relevant to your ever evolving business.
Many business owners get complacent and have no idea how underinsured they are. They have had their policies in place for 15 to 20 years with the same coverage they had when they were working out of a small office, with a desk, one computer, and some generic bookcases. Now they’re up to 25 employees with workstations and more updated office equipment. Just as a business can be under insured, it can also be over insured. Your company may have downsized, laying off employees, or may have moved to a smaller building or office space. This all affects your coverage & costs.

Most small businesses start out with very basic insurance coverage, usually a general liability policy and a commercial property policy, often times sold together as what is known as a B.O.P.- business owner’s policy. But as companies grow, other types of insurance become important, such as the following:

♦Workers’ compensation insurance: Required in many states once a business employs a certain number of people; provides payment for medical expenses and lost wages when employees are hurt on the job.
♦Professional liability insurance: Covers mistakes in service provided by the insured, and typically pays the fees of defense attorneys.
♦Hired and non-owned auto insurance: Protects a company if an employee causes an accident while driving a rented or personal vehicle.
♦Umbrella or excess liability insurance: For claims that exceed standard policy limits.
♦Employment practices liability insurance: Provides coverage for HR issues such as violations of discrimination, harassment and termination laws.
When you conduct your annual insurance review, be sure to ask your agent or broker whether you need any of the following policies:
♦Location: Has your business moved, added or closed locations? Rates for your general liability or business owner’s policy could change depending on whether your total square footage has increased or decreased, where your new facilities are located, or what class of building you’ve acquired.
♦Business property: Have you purchased or eliminated computers, equipment, office furnishings and supplies, or add completely new items or other property? You may need to increase or decrease your commercial property policy limits. It is possible that your existing policy does not offer sufficient coverage for the new equipment and that your limits or exclusions need to be adjusted. Also, you need to find out if you are being reimbursed for replacement value or actual cash value. When you have hard-to-replace equipment, an actual cash value reimbursement may not be enough to make you whole and help you replace the equipment if it is damaged or stolen.
♦Employees: Has the size of your workforce increased or decreased? The size of your workforce can determine whether you need workers’ compensation insurance.
♦Revenue: Have your company’s annual sales increased or decreased? The more business you do, the greater potential liability you face.
♦Vehicles: Business owners should also consider any changes that have been made to the vehicles used for their business. If a new vehicle has been purchased for the business, you may need to increase the limits on your policy in order to protect its value fully. Or, if your company vehicle has lost value during the year, you may want to lower your auto policy limit in order to accommodate its reduced value. This will also reduce your premium.
♦Services: Are you offering new types of services? You may need to add endorsements to your general liability policy to cover certain types of work.
♦Clients/Customers: Are you serving new industries? Some professional liability insurers do not like it if your business is overly concentrated in servicing certain high-risk industries.
♦Travel: Are your employees on the road more in rented cars than in their own cars? If so, you may need “hired and non-owned auto” coverage.

If you haven’t been reviewing your insurance coverage each year, start now. There’s little to be gained by carrying the wrong types or amounts of insurance and potentially much to be lost. An insurance policy can only offer effective protection when the insurance company actually knows what it is that needs protecting.

Call Doug Motz at Douglas Motz Insurance Agency today at 760-200-0270 for an Annual Review
and to discuss any of your insurance policies.

"Holiday Wreath Auction"

2011-11-29T08:19:00.001-08:00

Don't miss this FABULOUS & FUN event this Thursday December 1
benefitting the Boys & Girls Club of Cathedral City!

For further information call:
760-200-0270 or go to www.DougMotz.com

Dave Ramsey "Financial Peace University"

2011-10-31T09:55:00.000-07:00

Shadow Mountain/Shadow Rock Church will be holding
Dave Ramsey's "Financial Peace University"
beginning Tuesday November 1, 2011 at 6:30 for 13 weeks.
The class will be held at their Thousand Palms Church at:
75-580 Ramon Rd. Thousand Palms, CA. (760) 343-0550
The course will be facilitated by Doug Motz.

What is Financial Peace?

What will you learn in Financial Peace University?

In 13 action-packed lessons, you'll learn how to beat debt, build wealth, find bargains, invest for the future, give like never before, and much more! This information will change your life. Here is a small sample of each week's subject:

Lesson 1
Super Saving
Dave explains the Seven Baby Steps that will guide you throughout Financial Peace University. You will also learn the three key reasons why you should save money—and why you must start now!

Lesson 2
Relating With Money
Learn why it's important for spouses to communicate and work together toward success. Also, singles will learn the importance of teamwork, and parents will find out how to teach their kids about money.

Lesson 3
Cash Flow Planning
Unlock the secret of developing a monthly spending plan that really works.

Lesson 4
Dumping Debt
It's time to debunk some common debt myths! Dave reveals the truth about credit lies and gives you a plan to walk out of debt with confidence.

Lesson 5
Credit Sharks In Suits
What is a credit score, anyway? Join Dave as he unpacks your credit rating and shows you how to handle collectors when they call.

Lesson 6
Buyer Beware
Dave Ramsey draws on decades of experience to reveal the power and influence that marketing has on your everyday buying decisions. Let the buyer beware!

Lesson 7
Clause and Effect
In this lesson, Dave walks you through the world of insurance, carefully explaining what you need—and what you need to avoid.

Lesson 8
That's Not Good Enough!
Discover the seldom-used secrets of buying only big, big bargains—every time! Before you know it, you’ll be saying, "That’s not good enough!"

Lesson 9
Of Mice and Mutual Funds
Dave breaks through the jargon surrounding long-term investing and empowers you to make your own decisions about your investments!

Lesson 10
From Fruition To Tuition
Dave walks you through the maze of retirement options and helps you figure out the right path for you. You will also learn how to plan for college so your kids can graduate debt free!

Lesson 11
Working In Your Strengths
This lesson will show you how to avoid dead-end or mind-numbing jobs and provide tips for job hunting, writing a résumé, and acing an interview. Plus, you’ll learn tips for finding extra jobs if you need cash to attack your debt snowball.

Lesson 12
Real Estate and Mortgages
Dave draws on over 20 years of real estate experience to teach you how to win when buying or selling your home. Plus, he’ll dissect all of the common mortgage options available today, showing you what to choose—and what to avoid.

Lesson 13
The Great Misunderstanding
Warning! This lesson will challenge the way you think about money. Dave will show you how generous giving can completely revolutionize your attitude and improve your finances, business and relationships

For further information call Doug Motz at
760-200-0270

Coachella Valley Rescue Mission "Personal Hygiene Drive"

2011-10-28T14:37:00.000-07:00

The Coachella Valley Rescue Mission will be moving into their new building
November 20,2011.
Douglas Motz Insurance Agency is accepting personal hygiene supplies to help them get ready for their BIG move!

With the Lord’s blessing, their ministry of helping hungry and hurting people with new beginnings will be expanded to house 150 men, women and children. A larger dining room and kitchen will give the space necessary for the ministry of their 2 daily public meals and food boxes that they distribute to families in need.
The new building plans include classrooms, counseling rooms, a computer lab and larger kitchen and dining facilities. The men’s and women and family shelters will also be expanded and continue to help those in need with a bed and encouragement to take the steps necessary to end the cycle of homelessness.

Therefore, they are in need of a greater amount of personal hygiene products which include, but not limited to:

Shampoo
Conditioner
Toothbrushes
Toothpaste
Deodorant
Razors
Lotion
Q-Tips
Soap
Shaving Cream
Feminine Products

You can drop off any of these items to:
Douglas Motz Insurance Agency

Monday thru Friday between 9:00am-5:00pm at:

43875 Washington St. Suite A
Palm Desert
North/West Corner of Washington St. and Fred Waring
(in the single story building with the red tile roof)

For further information call:
760-200-0270 or go to www.DougMotz.com

Vine to Wine

2011-09-27T14:31:00.000-07:00

Come join the FUN!
Thursday, September 29
5:30-8:00
Make your reservations today by calling Joy @ 760-346-5637
at the California Desert Association of Realtors.
$20 includes your wine passport, souvenir glass, delicious pasta, music and FUN!!!

You don't want to miss Booth 31 sponsored by
Douglas Motz Insurance & Ram Home Warranty

For further information call:
Douglas Motz Insurance Agency
760-200-0270

There’s been a lot of “SHAKIN’”around the world lately

2011-08-25T10:57:00.000-07:00

Earthquakes strike suddenly, violently and without warning. Many areas of the world have more seismic activity than others, but as we just saw with the recent “East Coast” earthquake, the potential exists all over the world. Earthquake preparedness is key to surviving an earthquake. No matter where you live, EVERYONE needs to be ready to deal with unexpected disasters or emergencies, quickly and effectively.

What to Do BEFORE an Earthquake

Identifying potential hazards ahead of time and advance planning can reduce the dangers of serious injury or loss of life from an earthquake.
Plan Ahead
Check for Hazards in the Home
Fasten shelves securely to walls. Install door latches, braces and fasteners to cabinets
Secure your water heater by strapping it to the wall studs and bolting it to the floor.
Place large or heavy objects on lower shelves.
Store breakable items such as bottled foods, glass, and china in low, closed cabinets with latches.
Hang heavy items such as pictures and mirrors away from beds, couches, and anywhere people sit.
Brace overhead light fixtures.
Repair defective electrical wiring and leaky gas connections which can be potential fire risks.
Repair any deep cracks in ceilings or foundations. Get expert advice if there are signs of structural defects.
Store flammable products securely in closed cabinets with latches and on bottom shelves.
Buy earthquake insurance.

Educate Yourself and Family Members

Teach children how and when to call 9-1-1, police, or fire department and which radio station to tune to for emergency information.
Know where your gas, electric and water main shutoffs are and how to turn them off if there is a leak or electrical short. Make sure older members of the family can shut off utilities.
Know where your nearest fire and police stations and emergency medical facilities are.

Develop an Emergency Communication Plan

Ask an out-of-state relative or friend to serve as the "family contact." It's often easier to call long distance after a disaster. Make sure everyone in the family knows the name, address, and phone number of the contact person.
In case family members are separated from one another during an earthquake develop a plan for reuniting after the disaster. (This is a real possibility during the day when children are at school and adults are at work)
Make sure each member of your family knows what to do no matter where they are if an earthquake occurs.
Find out about earthquake plans developed by children's school or day care.
Transportation may be disrupted, keep some emergency supplies at work.

Make an earthquake/disaster supply kit with the following items:

Water for each family member for at least two weeks (allow at least 1 gallon per person per day) and purification tablets or chlorine bleach to purify drinking water from other sources
Canned and package foods, enough for several days and MECHANICAL can opener. Extra food for pets if necessary
Flashlights with extra bulbs and batteries
Portable radio with extra batteries
Camp stove or barbecue to cook on outdoors
(do not use until you are sure there are NO gas leaks) (store fuel out of the reach of children)
Fire extinguisher
Adequate supplies of medications that you or family members are taking
Crescent and pipe wrenches to turn off gas and water supplies
First-aid kit and handbook
Waterproof heavy duty plastic bags Sturdy shoes Cash & credit cards

Know what to do DURING an earthquake:

Indoors:

Be sure you are wearing shoes before walking around because of broken glass or other debris.
Take cover under a desk, sturdy table, bench or against an inside wall or doorway. Stay away from cabinets, heavy mirrors/pictures and other heavy objects. If you're in the kitchen, move away from the refrigerator, stove, and overhead cabinets.
Stay away from windows, outside doors and walls and anything that could fall on you.
If you're sleeping, stay in bed and cover your head with a pillow. If your bed is under a heavy light fixture or you have a large mirror or painting over your headboard, move to the nearest safe place.
Stay inside until the shaking stops and it is safe to go outside. Most injuries during an earthquake occur when people enter or exit a structure.
Be aware that the electricity may go out or sprinkler systems and alarms may go off.
If you're in a public place such as a store or other crowded area, do not rush for exits. Move away from display shelves containing objects that could fall.
If you are in a high rise building, stay indoors and try to get under a desk or table, move against an interior wall and protect your head with your arms. Glass windows can dislodge during the quake and sail for hundreds of feet.
If you're in a theater of stadium, stay in your seat and protect your head with your arms. Do not try to leave until the shaking is over then leave in a calm, orderly manner. Avoid rushing toward exits.
If you're in a wheelchair, stay in it. If possible, move to take cover, lock your wheels, and protect your head with your arms. Do not use elevators.

Outdoors:

Stay there until the shaking stops and move away from buildings, streetlights, and overhead utility wires.
If you're on a sidewalk near buildings, duck into a doorway to protect yourself from falling bricks, glass, plaster, and other debris.
If you are in mountainous area--watch out for falling rock, landslides, trees, and other debris that could be loosened by quakes.

In a moving vehicle:

Stop quickly and safely and stay in the vehicle.
Do not stop near or under overpasses, buildings, trees, or overhead utility wires.
Once the shaking has stopped proceed carefully and keep an eye out for road damage and obstructions. Avoid roads, bridges, or ramps that might have been damaged by the earthquake
Keep earthquake survival kits in your car.
Trapped under debris:
Do not light a match for light.
Do not move about or kick up dust.
Cover your mouth and nose with a handkerchief or clothing to keep dust out.
Shout for help and/or tap on a pipe or wall so rescuers can locate you. Use three taps followed by a pause until rescuers find you.

Things NOT to do during an earthquake:

Do Not turn on the gas again if you turned it off; let the gas company do it
Do Not use matches, lighters, camp stoves or barbecues, electrical equipment, appliances until you are sure there are no gas leaks. They may create a spark that could ignite leaking gas and cause an explosion and fire.
Only use your telephone for a medical or fire emergency. You could tie up the lines needed for emergency response. If the phone doesn't work send someone for help.
Do Not expect firefighters, police or paramedics to help you. They may not be available.

What to do AFTER an earthquake

Expect aftershocks!
Wear Shoes to avoid injury from broken glass and debris.
Check for Injuries (if a person is bleeding, put direct pressure on the wound, use clean gauze or cloth if available; If a person is not breathing administer CPR; Do Not attempt to move seriously injured persons unless they are in further danger of injury; cover injured persons with blankets to keep warm; seek medical help for serious injuries.
Check for Hazards
Fire hazards--put out fires in your home or neighborhood immediately, call for help.
Gas leaks--shut off main gas valve ONLY if you suspect a leak because of broken pipes or odor.
Damaged electrical wiring--Shut off power at the control box if there is any danger to house wiring.
Downed or damaged utility lines--Do Not touch downed power lines or any objects in contact with them.
Damaged chimneys--Approach with caution—Do Not use a damaged chimney (it could start fire or let poisonous gases into your house;
Fallen items—use caution when you open doors of closets and cupboards.
Food and water supplies--Do not eat or drink anything from open containers near shattered glass. If the power goes off, plan to use up foods that will spoil quickly or frozen foods (food in the freezer should be good for at least a couple of days. Do not light your kitchen stove if you suspect a gas leak;
Use barbeques or camp stoves, outdoors only for emergency cooking.
If your water is off you can drink supplies from water heaters, melted ice cubes or canned vegetables. Avoid drinking water from swimming pools, especially spas which may have too many chemicals in it to be safe.

While seismic events may be your major concern, you need to be prepared for other hazards as well!

For further information contact: Doug Motz at Douglas Motz Insurance Agency
760-200-0270 or go to www.DougMotz.com

La Quinta Chamber of Commerce "Not So Chilly Chili Throw Down"

2011-07-10T15:05:00.000-07:00

Not So Chilly Chili Throw Down"...Chili Tastin Contest"
Thursday July 14...4:40-7:30
Brought to you by: La Quinta Chamber of Commerce…..
You don't want to miss this fun event!

78015 Main St. Old Town La Quinta (formerly Old Town Cellar)
Call the La Quinta Chamber of Commerce for further information
@ 760-564-3199

6th Annual CVRM Backpack Drive

2011-07-08T15:39:00.000-07:00

If you would like to donate backpacks and school supplies you can drop them off
Monday thru Friday between 9:00am-5:00pm at:

Douglas Motz Insurance Agency
43875 Washington St. Suite A
Palm Desert
North/West Corner of Washington St. and Fred Waring
(in the single story building with the red tile roof)

For further information call:
760-200-0270 or go to www.DougMotz.com

Notarized Free Day - Tuesday July 12

2011-07-08T11:23:00.001-07:00

The California Mobile Notary Network announces its NOTARIZED FREE! event to be held
on Tuesday, July 12, 2011

Jeanne Stange from Notary to You will be offering her services to the public FREE of Charge from
10:00 am to 2:00 pm

This FREE event will take place at:
Douglas Motz Insurance Agency in Palm Desert at:
43875 Washington St. Suite A
Palm Desert
North/West Corner of Washington St. and Fred Waring
(in the single story building with the red tile roof)

Free services are limited to two free notarizations per person. Documents should be complete except for signatures.

Network members will offer their services to the public free of charge as a community service. A notary public serves as an impartial witness in the signing of documents such as property deeds, powers of attorney, healthcare directives, parental permission letters, traffic school tests and documents requiring an oath. Under the direction of the Secretary of State, a notary may not create the document but will certify the identity of the document signer and administer an oath when needed. A valid, government issued picture ID is required.

The California Mobile Notary Network is an organization comprised of committed, professional notaries public who are dedicated to providing exceptional, expert and timely notary and document signing services.

Members of the California Mobile Notary Network travel to businesses, homes, hospitals, etc., to provided convenient notary service to clients who are too busy or unable to travel to a notary public, at a time that fits their schedule. All Network members are bonded, tested and background-screened.

http://californiamobilenotarynetwork.com/NotarizedFreeDay.aspx

For further information call:
Jeanne Stange/Notary to You @ 760-219-0873 or call
760-200-0270 or go to www.DougMotz.com

L. Q. Chamber of Commerce Chili Contest

2011-07-08T10:59:00.000-07:00

Don't Miss It!!!!!

The Marines need our help.....

2011-07-05T11:24:00.000-07:00

The Marines need our help.....
Douglas Motz Insurance Agency will be picking up marines today and taking them to 29 Palms Marine base this afternoon. If you are able to help out the information is below:
Just got an urgent call from SOS.. They need our help... If anyone is available today to transport Marines to the 29 Palms Marine Bas...e, please contact Erica directly at:
760-799-5488...

SOS is really desperate for drivers as a high volume of Marines are coming in today and all need to be transported to the base...

If you can help, contact Erica at the above number....I want to thank those of you that can drive today for helping our Marines....again, if not us, then who? Thank you for supporting our military!!! This is one area we are proud to step up and support...these are the men and women that are giving all for us!! Please help if you can...

Contact Erica at: 760-799-5488!!

Thank you for your support of our Marines!!!

Coachella Valley Rescue Mission Needs Help for the 4th of July

2011-06-26T14:07:00.000-07:00

If you would like to donate any of the following items you can drop them off at
Douglas Motz Insurance Agency in Palm Desert.
See details below:

Nonperishable items can be dropped off
Monday thru Friday between 9:00am-5:00pm at:

Douglas Motz Insurance Agency
43875 Washington St. Suite A
Palm Desert
North/West Corner of Washington St. and Fred Waring
(in the single story building with the red tile roof)

For further information call:
760-200-0270 or go to www.DougMotz.com

Rental Car Reimbursement Coverage

2011-06-24T12:42:00.000-07:00

What is it?
Why do I need it?

What is Rental Car Reimbursement Coverage?

If you’ve been involved in an accident and your car has been damaged, whether or not the damage is slight or extensive, you’ll probably need a rental car to get around until your own car is ready. But, many people don’t think of this when purchasing their auto insurance. This is exactly why there is “Rental Car Reimbursement Coverage”.
Auto insurance coverage doesn’t just have to cover damages to you and your car; it can also help you pay for a rental car. If you’ve been in an accident, or if your car has been stolen or damaged, rental car reimbursement coverage will give you one less thing to worry about. It helps lighten the load by paying for your rental car while your car is in the repair shop.

Why do I need Rental Car Reimbursement Insurance?

Obviously, accidents are costly, even the slightest ones, both in terms of expense and time. You can certainly throw your total budget in disarray by renting a car for a number of days. The cost of renting a car can have a serious toll on your finances. Rental car reimbursement coverage can be vital in saving you money on the cost of renting a car, which can easily add up to be more than $500.00. By including rental car reimbursement coverage in your auto insurance policy can greatly help you from having to pay high bills.
Many drivers out there discover too late that their auto insurance policies do not cover rental cars after an accident, theft or damage to their cars. Having your car repaired can easily take about two weeks, often even longer depending on the extent of damage.
Check your auto insurance policy because you may want to add in Rental Car Reimbursement Coverage. When selecting your rental car reimbursement coverage, be sure to consider the size and make of the vehicle that suits your needs and the typical daily rental rate for it. And… it is not expensive!

Don’t wait until it is too late!
For further information or to purchase Rental Car Reimbursement Coverage contact:

Douglas Motz Insurance Agency

760-200-0270 or go to www.DougMotz.com

Summer Grilling Safety Tips

2011-06-24T11:39:00.000-07:00

Grilling safety tips that families need to know and use!

Each year Americans prepare about 3 BILLION meals on grills. It’s summertime and many families will be hosting backyard BBQs. Each year, outdoor grilling accidents are responsible for 19,000 emergency room visits and 7,900 home fires.

Below are some IMPORTANT “Safety Tips” to help keep your family safe:

•Place your grill on a flat, level surface so it won’t tip over.

•Keep your grill a safe distance from your house or any building.

•Position your grill in a well-ventilated location. Never barbecue inside homes, tents or vehicles. Burning charcoal inside can kill you. It gives off carbon monoxide, which has no odor.

•Never use a grill under any surface that can catch fire such as a garage, carport, breezeway, awning and porches. Keep a safe distance from overhangs, fences, deck railings and shrubbery that could be ignited by a sudden flare-up or flying spark.

•Never leave the grill unattended, especially when young children or pets are nearby. Designate the grilling area a "No Play Area" and keep kids and pets away from grill until equipment is completely cool.

•Only use starter fluid made for barbecue grills when starting a fire in a charcoal grill. Never use gasoline or kerosene to light a charcoal fire, either can cause an explosion.

•Never attempt to restart a fire by adding additional lighting fluid to an already-lit grill, this can cause a flare-up and burn you.

•Do not close the lid until you are ready to cook. Doing so might put out the fire or cause a rush of flame when the lid is removed. Closing the lid prematurely also can prevent charcoal lighter fluid from completely burning away, giving foods a strange taste.

•Use insulated, flame retardant mitts while cooking or handling any part of the grill. Also, use long-handled barbecue tongs and utensils for safe handling of food and coals.

• Wait until coals have completely cooled before disposing them, as they get up to 1,000 degrees Fahrenheit! If you must dispose of coals before they have completely cooled, remove them individually with long-handled tongs and carefully bury them in a can of sand or in a bucket of water. Never pour the hot coals into a pail of water, or vice versa. Steam from the briquettes may burn you.

•Keep a fire extinguisher handy when grilling and know how to properly use it.

For further information contact:

Douglas Motz Insurance Agency

760-200-0270 or go to www.DougMotz.com

Grilled Artichokes

2011-06-20T16:01:00.000-07:00

Serves 4

Ingredients
• 2 large artichokes
• 1 lemon, quartered
• 3/4 cup olive oil
• 4 cloves garlic, chopped
• ½ teaspoon salt
• ½ teaspoon seasoned salt
• ½ teaspoon ground black pepper
Directions
1. Preheat outdoor grill on medium-high heat.
2. Bring a large pot of water to a boil.
3. Fill a large bowl with cold water. Squeeze the juice from one lemon wedge into the water. Trim the tops from the artichokes, then cut in half lengthwise, and place halves into the bowl of lemon water to prevent them from turning brown.
4. Add artichokes to boiling water, and cook for about 15 minutes. Drain. Squeeze the remaining lemon wedges into a medium bowl. Stir in the olive oil and garlic, and season with salt, seasoned salt and pepper.
5. Brush the artichokes with a coating of the garlic mixture, and place them on the preheated grill. Grill the artichokes for 5 to 10 minutes, basting with the mixture and turning frequently, until the tips are a little charred.

For further information call

Douglas Motz Insurance Agency
760-200-0270 or go to www.DougMotz.com

Get Ready for the CVRM Annual Backpack Drive

2011-06-17T09:23:00.000-07:00

The Coachella Valley Rescue Mission will be holding their annual backpack drive later this summer. So when you see those ads for school supplies on sale.....start stocking up...it's never too early.

Once again, Douglas Motz Insurance Agency will be a drop-off location. You will be able to drop off your school supplies and backpacks Monday through Friday between the hours of 9:00-5:00.

Our address is:

43875 Washington St.
Suite A
Palm Desert

Corner of Washington St. and Fred Waring
in the single story building with the red tile roof.

You can contact us for further information @ 760-200-0270

Father's Day Grillin' Recipes

2011-06-17T08:57:00.000-07:00

Grilled Flat Iron Steak with Blue Cheese-Chive Butter
Serves 6

Ingredients
• 2-2 1/2 pounds flat iron steak (or any steak of your preference)
• 3 tablespoons red wine vinegar
• 3 cloves minced garlic
• 1 ½ teaspoons crumbled dried rosemary leaves
• 1 ½ teaspoons dried oregano
• ½ teaspoon salt
• 1 1/4 tablespoon cracked black pepper
• 1/3 cup olive oil
• 4 tablespoons softened unsalted butter
• 1 ½ ounce crumbled blue cheese
• 1 ½ tablespoon chopped fresh chives
• 1/8 teaspoon cracked black pepper
•
Directions

1. Whisk together vinegar, garlic, rosemary, oregano, salt and 1 1/4 tablespoon black pepper in a bowl along with the olive oil. Place the flat iron steak into a zip lock bag, and pour the marinade on top. Squeeze the excess air from the bag and seal. Marinate 60 minutes in the refrigerator turning over after 30 minutes.
2. Lightly oil grate then preheat outdoor grill on medium-high heat. Remove steak from the marinade, shake off excess, and discard the remaining marinade. Allow the steak to stand at room temperature for 15 minutes as the grill warms.
3. Cream together butter, blue cheese, chives, and 1/8 teaspoon of black pepper; set aside. Cook the steak on the preheated grill to desired degree of doneness, about 5 minutes per side for medium-rare. Allow the steak to rest in a warm place for 10 minutes before slicing thinly across the grain. Serve with a dollop of blue cheese-chive butter.

Grilled Corn on the Cob
Serves 6

Ingredients
• 6 ears corn
• 2 tablespoons mayonnaise
• 6 tablespoons softened butter
• Seasoned salt to taste

Directions

1. Lightly oil grate then preheat outdoor grill on medium-high heat.
2. Peel back corn husks and remove silk. Mix together butter, mayonnaise & season salt. Place 1 tablespoon mixture on each piece of corn. Close husks.
3. Wrap each ear of corn tightly in aluminum foil. Place on the prepared grill. Cook approximately 30-40 minutes, turning occasionally, until corn is tender.

Bacon-Wrapped Asparagus

Ingredients
• 24 spears fresh asparagus, trimmed
• 1/4 teaspoon pepper
• 12 bacon strips, halved lengthwise

Directions

1. Place asparagus on a sheet of waxed paper; coat with nonstick cooking spray. Sprinkle with pepper; turn to coat. Wrap a bacon piece around each spear; secure ends with toothpicks. Grill, uncovered, over medium-low heat for 8-12 minutes or until bacon is crisp, turning occasionally. Discard toothpicks.

Gourmet Root Beer Floats

Ingredients
• 3 cups vanilla ice cream
• 3 (12 fluid ounce) cans or bottles root beer
• 1-1/2 cups whipped cream
• 12 maraschino cherries

Directions

1. Place 1 scoop of ice cream into each of 6 tall glasses. Pour root beer carefully over the ice cream. Add another scoop and repeat. Top with whipped cream & 2 cherries.

For further information contact:

Douglas Motz Insurance Agency
760-200-0270 or go to www.DougMotz.com

Basket of Hope Food Drive for CVRM

2011-04-14T09:20:00.000-07:00

Douglas Motz Insurance Agency is a "Drop~Off" location for Coachella Valley Rescue Mission

2011-04-08T16:15:00.000-07:00

The Coachella Valley Rescue Mission needs the help of the community!

Douglas Motz Insurance Agency is a drop~off location for "filled" Easter baskets and "non~perishable" food items.
Please help the Mission fill their Baskets of Hope and replenish their pantries by donating hams, desserts and filled Easter baskets for children.

The following "non~perishable" items can be dropped off
Monday through Friday between 9:00am - 5:00pm
at
Douglas Motz Insurance Agency
43875 Washington St. Suite A in Palm Desert
corner of Washington Street & Fred Waring
(single story building with the red tiled roof)

The following items are needed:

"Filled Easter Baskets"

Oil
Pancake mix
Syrup
Jelly
Salt and pepper (bulk or shakers)
Seasoned salt
Instant Mashed potatoes
Oatmeal
Cold cereal
Canned vegetables
Canned fruit
Canned beans
Canned meat (roast beef, chicken,
pork, etc...)
Rice

Perishable items needed can be dropped off directly at the mission at
47-518 Van Buren - Indio, CA 92201

Spiral Sliced Hams
Yams
Pineapple
Eggs
Bacon
Milk
Pineapple

Contact: Linda Garland at CVRMPhone: (760) 347-3512 X 221
or contact Douglas Motz Insurance Agency at 760-200-0270 or go to www.DougMotz.com

Coachella Valley Rescue Mission Needs Your Help!

2011-04-08T15:25:00.000-07:00

Darla Burkett
Coachella Valley Rescue Mission

Greetings!

With Easter just around the corner, we need our pantry stocked with food so we can feed families in need. Thank you and God bless!

Kitchen Needs:

Spiral Sliced Hams

Canned meat (roast beef, chicken,
pork, etc...)

Oil

Eggs

Bacon

Pancake mix

Syrup

Jelly

Salt and pepper (bulk or shakers)

Seasoned salt

Instant Mashed potatoes

Oatmeal

Cold cereal

Milk

Canned vegetables

Canned fruit

Canned beans
Rice

Items for Easter Dinner:

Spiral Sliced Hams

Yams

Pineapple

Forward email

Emergency Supplies & Preparation Checklist

2011-03-12T10:02:00.000-08:00

Stocking up now on emergency supplies can add to your safety
and comfort during and after an earthquake. Store enough
supplies for at least 72 hours.

Water-1 gallon per person per day (a week's supply of water is
preferable)
Water purification kit
First aid kit, freshly stocked
First aid book
Food
Can opener (non-electric)
Blankets or sleeping bags
Portable radio, flashlight and spare batteries
Essential medications
Extra pair of eyeglasses
Extra pair of house and car keys
Fire extinguisher-A-B-C type
Food, water and restraint (leash or carrier) for pets
Cash and change
Baby supplies: formula, bottle, pacifier, soap and baby powder,
clothing, blankets, baby wipes, disposable diapers, canned food and
juices.
Sanitation Supplies
Large plastic trash bags for waste; tarps and rain ponchos
Large trash cans
Bar soap and liquid detergent
Shampoo
Toothpaste and toothbrushes
Feminine hygiene supplies
Toilet paper
Household bleach
Safety and Comfort
Sturdy shoes
Heavy gloves for clearing debris
Candles and matches
Light sticks
Change of clothing
Knife or razor blades
Garden hose for siphoning and firefighting
Tent
Communication kit: paper, pens, stamps
Cooking
Plastic knives, forks, spoons
Paper plates and cups
Paper towels
Heavy-duty aluminum foil
Camping stove for outdoor cooking (caution: before using fire to cook,
make sure there are no gas leaks; never use charcoal indoors)
Tools and Supplies
Axe, shovel, broom
Adjustable wrench for turning off gas
Tool kit including a screwdriver, pliers and a hammer
Coil of 1/2" rope
Plastic tape, staple gun and sheeting for window replacement
Bicycle
City map
Preparing Your Family
When preparing for an earthquake, plan on having enough
supplies to get you and your family through at least the first 72
hours. After a major earthquake, there's a good chance that
traditional emergency response teams will be too busy to take
care of you and your family. You need to prepare your home
and neighborhood.
The Plan
Stock up on at least a three-day supply of food, water, clothes,
medical supplies and other necessary equipment for everyone in your
family. Make sure everyone knows where to find them. (See the
information sheet on emergency supplies in this packet.)
Decide where and when to reunite your family should you be apart
when an earthquake happens.
Choose a person outside the immediate area to contact if family
members are separated. Long distance phone service will probably be
restored sooner than local service. Do not use the phone immediately
after an earthquake.
Know the policies of the school or daycare center your children attend.
Make plans to have someone pick them up if you are unable to get to
them.
If you have a family member who does not speak English, prepare an
emergency card written in English indicating that person's
identification, address and any special needs such as medication or
allergies. Tell that person to keep the card with him/her at all times.
Conduct Earthquake Duck, Cover & Hold drills every six months with
your family.
Know the safest place in each room because it will be difficult to move
from one room to another during a quake.
Locate the shutoff valves for water, gas and electricity. Learn how to
shut off the valves before a quake. If you have any questions, call
your utility company.
Make copies of vital records and keep them in a safe deposit box in
another city or state. Make sure your originals are stored safely.
Before a quake occurs, call your local Red Cross chapter and Office of
Emergency Services to find out about their plans for emergency
shelters and temporary medical centers in case of such a disaster.
Establish all the possible ways to exit your house. Keep those areas
clear.
Know the locations of the nearest fire and police stations.
Take photos and/or videos of your valuables. Make copies and keep
them in another city or state.
Include your babysitter and other household help in your plans.
Keep an extra pair of eyeglasses and house and car keys on hand.
Keep extra cash and change. If electricity is out, you will not be able to
use an ATM.
General Tips Stay away from heavy furniture, appliances, large glass
panes, shelves holding objects, and large decorative masonry, brick or
plaster such as fireplaces.
Keep your hallway clear. It is usually one of the safest places to be
during an earthquake. Stay away from kitchens and garages, which
tend to be the most dangerous places because of the many items kept
there.
Preparing Your Children
Children need to be prepared for an earthquake as much as
adults, if not more.
For infants and toddlers, special emphasis should be placed on making
their environment as safe as possible
Cribs should be placed away from windows and tall, unsecured
bookcases and shelves that could slide or topple.
A minimum of a 72-hour supply of extra water, formula, bottles, food,
juices, clothing, disposable diapers, baby wipes and prescribed
medications should be stored where it is most likely to be accessible
after an earthquake. Also keep an extra diaper bag with these items in
your car.
Store strollers, wagons, blankets and cribs with appropriate wheels to
evacuate infants, if necessary.
Install bumper pads in cribs or bassinettes to protect babies during the
shaking.
Install latches on all cupboards (not just those young children can
reach) so that nothing can fall on your baby during a quake.
Preschool and School-age Children
By age three or so, children can understand what an earthquake is and
how to get ready for one. Take the time to explain what causes
earthquakes in terms they'll understand. Include your children in
family discussions and planning for earthquake safety. Conduct drills
and review safety procedures every six months
Show children the safest places to be in each room when an
earthquake hits. Also show them all possible exits from each room.
Use sturdy tables to teach children to Duck, Cover & Hold.
Teach children what to do wherever they are during an earthquake (at
school, in a tall building, outdoors).
Make sure children's emergency cards at school are up-to-date.
Although children should not turn off any utility valves, it's important
that they know what gas smells like. Advise children to tell an adult if
they smell gas after an earthquake.
Before an Earthquake
Set up your home, apartment or workplace so that you can quickly get
under a sturdy desk, table or other safe place for protection. Identify
doorways that do not have doors in which you can take cover.
Maintain a list of medications, allergies, special equipment, names and
numbers of doctors, pharmacists and family members with you at all
times.
Keep extra medication with your emergency supplies.
Keep extra emergency supplies at your bedside and by your
wheelchair.
Have walking aids near you at all times. Place extra walking aids in
different rooms of the house.
Put a security light in each room. These lights plug into any outlet and
light up automatically if there is a loss of electricity. They continue
operating automatically for four to six hours, and they can be turned
off by hand in an emergency.
Have a whistle near you to signal for help.
Find two people you trust who will check on you after an earthquake.
Tell them your special needs. Show them how to operate any
equipment you use. Show them where your emergency supplies are
kept. Give them a spare key.
During and After an Earthquake
If you are in bed or out of a wheelchair, stay where you are and cover
your head and neck.
If you are in a wheelchair, stay in it and go into a doorway that doesn't
have a door. Cover your head and neck with your hands.
Prepare to be self-sufficient for at least three days.
Turn on your portable radio for instructions and news reports. For your
own safety, cooperate fully with public safety officials and instructions.
Prepare for aftershocks.
If you evacuate your home, leave a message at your home telling
family members and others where you can be found.
Tips for the Elderly
Before an Earthquake
Eliminate hazards. Make it as easy as possible to quickly get under a
sturdy table or desk for protection.
Anchor special equipment such as telephones and life support systems.
Fasten tanks of gas, such as oxygen, to the wall.
Keep a list of medications, allergies, special equipment, names and
numbers of doctors, pharmacists and family members. Make sure you
have this list with you at all times.
Keep an extra pair of eyeglasses and medication with emergency
supplies.
Keep walking aids near you at all times.
Have extra walking aids in different rooms of the house.
Put a security light in each room. These lights plug into any outlet and
light up automatically if there is a loss of electricity. They continue
operating automatically for four to six hours, and they can be turned
off by hand in an emergency.
Make sure you have a whistle to signal for help.
Keep extra batteries for hearing aids with your emergency supplies.
Remember to replace them annually.
Keep extra emergency supplies at your bedside.
Find two people you trust who will check on you after an earthquake.
Tell them your special needs. Show them how to operate any
equipment you use. Show them where your emergency supplies are
kept. Give them a spare key.
During and After an Earthquake
If you are in bed or sitting down, do not get up.
If you are standing, duck and cover or sit down. You could be thrown
to the floor if you are standing.
Prepare to be self-sufficient for at least three days.
Turn on your portable radio for instructions and news reports. For your
own safety, cooperate fully with public safety officials and instructions.
Prepare for aftershocks.
If you evacuate, leave a message at your home telling family members
and others where you can be found.
You must secure the contents of your home or office to reduce
hazards. You should secure anything heavy enough to hurt you
if it falls on you. Here are steps you should take to secure your
possessions.
Secure Tabletop Objects
TVs, stereos, computers, lamps and chinaware can be secured with
buckles and safety straps attached to the tabletop (which allows for
easy movement of the units when needed) or with hook and loop
fasteners glued to both the table and the unit.
Glass and pottery objects can be secured with nondrying putty or
microcrystalline wax.
Secure Items in Your Kitchen
Use child-proof latches, hook and eye latches or positive catch latches,
designed for boats, to secure your cabinet doors.
Make sure your gas appliances have flexible connectors to reduce the
risk of fire.
Secure your refrigerator to prevent movement.
Anchor Your Furniture
Secure the tops of all top-heavy furniture such as bookcases and file
cabinets to the wall. Be sure to anchor to the stud, not just to the
plasterboard. Flexible fasteners such as nylon straps allow tall objects
to sway without falling over, reducing the strain on the studs.
Protect Yourself from Broken Glass
Replace your windows with ones made from safety glass or cover them
with a strong shatter-resistant film. Be sure you use safety film and
not just a solar filter.
Secure Overhead Objects Ceiling lights and fans should be additionally
supported with a cable bolted to the ceiling joist. The cable should
have enough slack to allow it to sway.
Framed pictures, especially glass-covered, should be hung from closed
hooks so that they can't bounce off. Only soft art such as tapestries
should be placed over beds and sofas.
How to Secure Your Water Heater
If you strap your water heater and fit it with a flexible gas
supply line, you will reduce the risk of a fire or explosion from a
gas leak after an earthquake. If your water heater does not
have a flexible gas supply line, contact a licensed plumber to
install one.
These instructions are for installing a water heater restraint for a water
heater on a straight wall using the conduit method.
1. Mark the water heater 9" down from the top and approximately 4"
up from the top of the controls. Locate the wood studs in the wall on
both sides of the water heater.
2. Using a stud finder or other appropriate methods, locate the closest
stud behind and to one side of the water heater.
3. Transfer the marks on the water heater horizontally to the adjacent
wall where the stud identified in step 2 was located.
4. Drill a 3/16" diameter and 3" deep pilot hole at the marked
locations for the 1/4"diameter by 3" long lag screw.
5. Measure around the water tank and add 2" to the measurement.
Cut two pieces of 3/4" x 24 gauge perforated steel plumbers tape to
this length. Place a bolt with the washer through the hole of one end
and bend out 90 degrees as close to the edge of the washer as
possible. Most plumbers tape comes with 1/4" diameter holes 1" apart
with 1/8" diameter holes in between. The tape can be easily broken at
the smaller holes by grabbing it with pliers and bending it several
times.
6. Place the tape around the tank and place the bolt with the washer
through the nearest hole in the end of the tape. Place a washer and
nut on the bolt and tighten. The tape should be tight. If the tape is not
tight, remove the bolt, place it through the next adjacent 1/4" hole
and tighten.
7. Using a straight stick, place the end at the hole in the wall with the
side of the stick against the side of the tape around the tank. Measure
the distance from where the stick touches the water heater to the hole
in the wall. Add 1" to this measurement and cut 1/2" diameter conduit
to this length. Repeat this for each piece of conduit.
8. Using a hammer or vise, flatten 1" at each end of the 4 pieces of
conduit. Be sure to flatten both ends of each piece of conduit in the
same plane.
9. Drill a hole in one end of each conduit approximately 1/2" from
each end. Measure 1" from each end and bend up approximately 45
degrees. This angle will have to be corrected slightly as the work
progresses. Hold the conduit on the wall with the hole in the conduit
over the hole in the wall, and mark the other end at one of the holes in
the plumbers tape. Mark the holes in the tape and on the tank and
conduit. Take down the conduit and drill a hole at the mark for the bolt
through the flattened end of the conduit. Repeat for the conduit on the
other side.
10. Loosen the strap around the tank and place a bolt with the washer
from the inside through the holes in the tape at all locations. Tighten
the tape around the tank so that the bolts are at the marks on the
tank. It may be easier to do one side of the tank at a time because
positioning the tape can be difficult. Place the conduit on the bolt
protruding from the strap and place a washer and nut on the bolt and
tighten. (A 4d finish nail inserted in the slot in the bolt will prevent the
head from turning.) Position the opposite end at the hole in the wall
and insert the lag screw with the washer and tighten. Do not drive the
lag screw with a hammer.
11. Repeat the above procedure for the rest of the conduits. NOTE:
The 1/4" x 1" bolts referred to in the above are known as 1/4" x 1"
round head machine screws with a nut.
Organizing Your Neighborhood
After an earthquake or other disaster, emergency response
agencies could be overburdened and might not be able to get to
your neighborhood immediately. You and your neighbors or
coworkers may need to take the initial emergency response
actions and take care of others for at least 72 hours.
Past earthquakes have thrust many untrained people into
positions of providing first aid and rescuing people. You need
to be prepared! If a response team has not been organized in
your neighborhood or workplace, form one now. Joining and
forming a community response team can greatly improve your
chances of surviving an earthquake and can improve the selfsufficiency
of your neighborhood.
Training
Learn simple firefighting techniques.
Learn basic search-and-rescue skills.
Learn to assess yourself, your family and coworker for injuries.
Learn to assess your home and workplace for hazards or damage.
Learn to assess your community for hazards, needs and available
resources.
Contact your local police and fire departments, city/ county Office of
Emergency Services, American Red Cross chapter or community
college to arrange for speakers and training workshops. Response
teams should arrange to participate in annual earthquake exercises
sponsored by local government and businesses.
Inventory Your Neighbors' Skills
As part of the community response team planning process, teams
should conduct an inventory of the skills and resources available at
home, work and community. You should have this information on hand
before an earthquake for efficient, effective responses. Identify people
who:
Have medical, electrical, child care, leadership, fire fighting and
survival skills.
Own chain saws, citizens band radios, four-wheel drive vehicles,
motorcycles and water purifiers.
Are willing and able to be a runner/bicycler to deliver messages if
telephone lines are down.
Every home or office has people with special needs. Your neighborhood
response team should work with these individuals in advance to
determine what extra assistance or supplies they may require after an
earthquake or other emergency. Some of the people who may require
special assistance include:
Physically Challenged Deaf or hearing impaired
Blind
Limited mobility-wheelchair-bound
Persons who require a special oxygen supply
Persons with significant medical conditions
Other Children who spend time alone at home
Non-English speaking
Store Supplies
In addition to the water, food and other supplies that everyone needs
to stock, members of the community response team should store
tools. Items such as the following should be stored in a central and
easily accessible location.
Gloves and goggles
Adjustable wrenches
Hard hats and vests
Flashlights with extra batteries
Axes and crowbars
Ropes

For further information contact
Douglas Motz Insurance Agency
760-200-0270 or go to DougMotz.com

Broker's Open Tour

2011-02-18T17:26:00.000-08:00

February 25th 2:00-5:00 PM

New Single Level Condos Located at
The Cimarron Golf Club
Closeout - All Must Go!

30310 Regent St. #103
Cathedral City 92234/MLS# 21417218

Models Open 10-5 daily

Brand new construction with great values and views! They are liquidating these condos!
A golfer's delight with many incentives and amenities which are included with purchase. Come by for a visit to see the incredible views they offer. Golf is at no extra charge and tennis, fitness center use as well!
Come check them out!

Contact:
Arnold Billingsley, On Site Manager
RE/MAX Real Estate Consultants
760-219-5916
License # 01457612

To insure your new condo contact
Douglas Motz Insurance Agency
760-200-0270 or go to DougMotz.com

Keller Williams Realty to Host Golf tournament for Cathedral City Boys & Girls Club

2011-02-18T10:45:00.001-08:00

Keller Williams Realty to Host Golf tournament for
Cathedral City Boys & Girls Club
March 14, 2011
The Keller Williams Charity Golf Classic that benefits the Boys & Girls Club of Cathedral City
will be held on Monday, March 14th at the prestigious “Classic Golf Club” the home of the
2006, 2007, & 2008 Bob Hope Chrysler Classic.

Your support by playing golf, donating a gift certificate or auction item, or becoming a hole
sponsor will be greatly appreciated and aid in our fundraising efforts.

For more information please contact:
Scott Robinson 760-770-4965
32141 Whispering Palms Trail, Cathedral City, CA 92234

Happy New Year

2011-01-01T08:40:00.000-08:00

New years come and new years go,
Pieces of time all in a row.
As we live our life, each second and minute,
We know we’re privileged to have you in it.
Our appreciation never ends
For our greatest blessings: our family and friends.
Happy New Year from Douglas Motz Insurance Agency!

By Joanna Fuchs
For further information how we can insure all of your assets in 2011
call us @ 760-200-0270 or go to www.DougMotz.com

Licensed Insurance Agents Wanted

2010-12-27T10:03:00.001-08:00

Douglas Motz Insurance Agency is looking for licensed insurance agents. Applicants must hold a current license in the State of California for either
Life and/or Property Casualty.
Please call Doug @ 760-200-0270.

Merry Christmas!

2010-12-25T08:37:00.001-08:00

May your Christmas be filled with peace, joy, and happiness.

Many Blessings from Douglas Motz Insurance Agency!

Merry Christmas Eve from Douglas Motz Insurance Agency

2010-12-24T11:22:00.000-08:00

Fresh Tomato & Sausage Soup

2010-12-22T08:59:00.000-08:00

Summer, Winter, Spring or Fall, this one’s good for all.

Everything You Will Need:

4 cups of chicken broth
4 cups of fresh, ripe tomatoes
(peeled, seeded and chopped)
1 cup of celery (finely chopped)
1 small cauliflower (chopped)
1/2 cup of carrots (grated)
1 1/2 cups of onion (chopped)
1 bay leaf
1/8 cup of fresh basil leaves (chopped)
2 teaspoons of sugar
1 teaspoon of salt
1/2 teaspoon of freshly ground black pepper
1/2 pound of Papa Cantella's fresh Italian sausage
(removed from the casings)
1 tablespoon of olive oil
1 tablespoon of butter
8 ounces of heavy cream
sour cream
a few fresh basil leaves (for garnish)

In a large pot, combine the chicken broth, one-half of the tomatoes, one-half of the celery, all of the cauliflower, the carrot, onion, bay leaf, about six of the basil leaves, the sugar, and the salt and pepper.

Bring to a boil.

Reduce the heat to low and simmer, covered, for twenty minutes.

Remove the bay leaf and purée the soup in a blender until completely smooth

Return the soup to the pot.

Meanwhile...
In a medium-sized skillet, cook the sausage in the olive oil over medium heat for six or seven minutes stirring occasionally with a wooden spoon to crumble the sausage.

Drain off any liquid.

Add the butter and the remaining tomatoes and celery to the sausage, and continue to cook for another six or seven minutes.

Add the sausage mixture and the cream to the soup.

Stir and heat the soup briefly for serving (but do NOT boil!).

Serve with a spoon of sour cream and garnish with a basil leaf

Serves 4 To 6

For further information go to:
www.PapaCantella.com or www.DougMotz.com

Merry Christmas from The Motz Family!

2010-12-21T10:38:00.001-08:00

Plaza Towing Helps to Fill Santas Bag for CVRM

2010-12-18T13:18:00.000-08:00

When Trent Butzlaff, owner of Plaza Towing in Indio, heard that Santa's Bag was empty for the Coachella Valley Rescue Mission he called his wife, Kathy, and said they had to do something about it. He asked if his employees would mind if they did not have a Christmas party this year & in exchange he would use that money on buying toys to fill Santa's bag. His employees agreed collectively.

This morning the Butzlaff family, including their 2 sons Trent Andrew & Jarred, along with their employees, went to Target in Indio & bought enough toys to overflow 5 shopping carts. The toys will be brought to the Coachella Valley Rescue Mission Monday morning in a trailer pulled by one of Plaza Towing's tow trucks.

The desert is blessed to have businesses like Plaza Towing and we are blessed to have friends like them!

Simple Kitchen Math:

2010-12-15T08:24:00.000-08:00

Here is a little something you may need during the "Holiday Season"

A "pinch" or a "dash" = Less than 1/8 of a teaspoon
3 teaspoons = 1 tablespoon
4 tablespoons = 1/4 of a cup
5 tablespoons and 1 teaspoon = 1/3 of a cup
8 tablespoons = 1/2 of a cup
10 tablespoons and 2 teaspoons = 2/3 of a cup
12 tablespoons = 3/4 of a cup
16 tablespoons = 1 cup 2 tablespoons = 1 fluid ounce
1 cup = 1/2 of a pint or 8 fluid ounces
2 cups = 1 pint or 16 fluid ounces
4 cups = 2 pints or 1 quart or 32 fluid ounces
4 quarts = 1 gallon or 64 fluid ounces
16 ounces = 1 pound

For further information go to:
www.PapaCantella.com or www.DougMotz.com

Lasagne Rolls

2010-12-08T08:59:00.000-08:00

A GREAT recipe to make for your holiday meal! This will probably be the best tasting lasagne you’ll ever have. Enjoy!

Everything You Will Need:
1/2 pound of lasagne noodles
1 pound of Papa Cantella's fresh Italian sausage
(removed from the casings)
2 tablespoons of butter
15 ounces of Ricotta cheese
1 cup of Parmesan cheese (grated)
1/4 teaspoon of nutmeg
salt
1/4 teaspoon of black pepper

2 1/4 cups of Mornay Sauce

3 1/4 cups of Caryn’s Special Sunday Sauce

Serves 6 to 8

Prepare the lasagne noodles according to the directions on the package.

In a medium-sized frying pan, cook the sausage in the butter over medium heat for about ten minutes, stirring occasionally with a wooden spoon to crumble the sausage.

Remove the sausage from the heat, drain off any liquid, and let cool for a couple of minutes.

In a bowl, mix the sausage with the Ricotta cheese, Parmesan cheese, nutmeg, and salt and pepper.

Baste the bottom of a nine by thirteen inch glass baking dish with one-half cup of Caryn’s Special Sunday sauce.

Spread a thin layer of the filling on the noodles.

Roll the noodles and place them in the dish, seam side down.

Pour the Mornay sauce evenly over the top of the lasagne rolls.

Pour two cups of Caryn’s Special Sunday sauce evenly over the top of lasagne rolls.

Preheat the oven to 350 degrees.

Bake the rolls for forty minutes.

Serve hot with the remaining sauce on the side.

Caryn’s Special Sunday Sauce
This takes a couple of hours to cook and fills the house with great aroma!

Everything You Will Need:
2 28 ounce cans of peeled and diced tomatoes in juice
1 28 ounce can of tomato puree
1 12 ounce can of tomato paste
2 cups of water
1 cup of chopped parsley
2 cloves of crushed or chopped garlic
2 teaspoons of salt
1 1/2 teaspoons of dried oregano
1/4 cup of fresh basil (chopped)
1 teaspoon of fresh ground pepper
3 cups of onion (chopped)
8 ounces of sliced fresh mushrooms
3 tablespoons of sugar
1 pound of Papa Cantella's
fresh Italian sausage links
Parmesan or Romano cheese (grated)

Serves 4 To 6

Put all of the ingredients except for the sausage into a large stock pot and mix together well.

Bring to a slow boil over medium-high heat.

Reduce the heat to low.

Add the sausage links.

Simmer the sauce, uncovered, for almost two and one-half hours, stirring occasionally.

Remove the sausage and place in a separate serving dish.

(This makes three quarts of sauce and it freezes very well, so put some aside in the refrigerator for the next day, and some in the freezer for other recipes calling for sauce.)

MORNAY SAUCE

Everything You Will Need To Make 2⁄ Cups:
4 tablespoons of butter
4 tablespoons of flour
11/2 cups of milk
salt and freshly ground black pepper
1 egg yolk
1/4 cup of Parmesan or Romano cheese (grated)

In a small sauce pan, melt the butter.

Stir in the flour.

Pour in the milk and continue to stir over medium-high heat until the sauce has thickened.

Add salt and pepper to taste.

Stir in the egg yolk, and then the cheese.

Blend the sauce well, and remove from the heat.

For further information go to:
www.PapaCantella.com or www.DougMotz.com

Cathedral City Boys & Girls Club Holiday Wreath Auction and VIP Reception

2010-12-02T21:42:00.000-08:00

The Cathedral City Boys & Girls Club
celebrated their 30th Anniversary by hosting a Holiday Wreath Auction and VIP Reception to benefit the organization from 6:30 to 8:30 p.m., this evening immediately following the Cathedral City Christmas Tree Lighting Ceremony.

The wreath auction and VIP reception took place at the Incredible Artist Gallery. Donated wreaths lined the Pickfair Promenade's outdoor courtyard. A VIP reception featured FABULOUS food by Trilussa, wine and desserts.
The event would not have been possible without the support of the following sponsors:
Douglas W. Motz Insurance Agency, Starbucks Coffee, Christmas Cottage, Trilussa, Michaels, Ram Home Warranty, Signature Party Rentals, Schultz Property Inspection and 3rd Generation Insurance Agency.

Pasta E Fagioli With Sausage

2010-12-01T10:23:00.000-08:00

A Yummy Italian Soup to warm you up for these cold nights!Everything You Will Need:
1 cup of small white beans
1/4 cup of olive oil
1 tablespoon of butter
1 1/2 cups of onion (coarsely chopped)
3 slices of lean bacon (finely chopped)
1/3 cup of celery (chopped)
1/2 cup of carrots (grated)
1 tablespoon of crushed or chopped garlic
3 tablespoons of chopped fresh basil
1/4 teaspoon of dried oregano
1 pound of fresh Papa Cantella's Italian sausage
(removed from the casings)
1 cup of fresh, ripe tomatoes (chopped)
1 tablespoon of fresh Italian parsley (chopped)
1/4 teaspoon of sage
7 cups of chicken broth
1 1/2 cups pasta (small shells are recommended here)
salt
freshly ground black pepper
Parmesan or Romano cheese (grated)

Serves 6 to 8

The Day Before Serving:
Soak the beans in three to four cups of water. Let stand overnight.

The Day of Serving:
Heat the olive oil and butter in a large stock pot over medium heat.

Add the onion and bacon and cook for about six to eight minutes.

Add the celery, carrots, garlic, basil and oregano and continue to cook for about two or three minutes.

Add the Italian sausage and continue cooking all of the ingredients for about eight minutes, stirring occasionally with a wooden spoon to crumble sausage.

Add the beans, tomatoes, parsley, sage, and six cups of the chicken broth and bring the mixture to a boil.

Reduce the heat and simmer for about one and one-half hours, or until the beans are tender, stirring occasionally.

Remove two cups of the soup and purée in a blender until smooth.

Stir the purée back into the soup. Add the remaining cup of chicken broth and continue to cook, bringing the soup to a boil.

Add the pasta as well as salt and pepper to taste, and continue to cook at a slow boil for about twelve to fourteen minutes, until the pasta is tender.

Serve hot and top with grated cheese.

for further information go to
www.Papacantella.com or www.DougMotz.com

Pay It Forward Day 2010 ~ Family Network TV

2010-12-01T09:03:00.000-08:00

Tis the Season to do a random act of kindness…

What can you do?

• Pay for someone’s cup of coffee…
• Buy someone some groceries…
• Get the next person’s gas…
• Help someone out…
• Donate something…
• Be creative!!!

When you do something for someone there’s a good chance they’ll do something for someone else. If not, at least you’ve done a good deed for someone.

So share some kindness and spread some joy today! It can be as little as a few dollars or as much as you want. No one needs to know! A BIG Thank You to
David Del Mundo for creating this day!

Christmas Food Court Flash Mob, Hallelujah Chorus - Must See!

2010-12-01T08:58:00.000-08:00

You have to check this out, it is AWESOME!

Carole's Gourmet Cornbread

2010-11-22T09:15:00.000-08:00

Here's something with a little "kick" as a side to your chili or soup for this cold weather!

2 Sticks of butter, softened (1 cup)
1 C Sugar
4 Eggs
1 15 oz can cream corn
1 15 oz can Mexican Style whole kernel corn
2 oz Ortega diced mild green chilies/drained
1 Minced jalapeno (can use 2)
½ C Shredded Monterey jack cheese
½ C Shredded Cheddar cheese
1 Package Marie Calendar Corn Bread Mix

Preheat oven to 300

Lightly grease w/butter a 9 x 13 baking dish
In large bowl, beat together butter & sugar. Beat in 1 egg at a time
Blend in cream corn & Mexican Style corn, chilies & cheeses
Blend in Marie Calendar Corn Bread Mix
Bake in middle of oven for 1 hour or until toothpick inserted into center comes out clean.

For further information call:
Douglas Motz Insurance Agency @ 760-200-0270
or go to DougMotz.com

Save the Date!

2010-11-18T18:06:00.000-08:00

On Thursday, Dec. 2nd, the holiday spirit will fill Downtown Cathedral City.

Beginning at 6pm, the City of Cathedral City will host its
Annual Tree Lighting Ceremony in its Town Square. A magical musical concert by the Desert Winds Freedom Band, a special visit from Santa, and holiday treats are planned for the community.

The celebration continues at the Incredible Artist Gallery, located in the Pickfair Promenade, adjacent Town Square. At 6:30pm, the Boys & Girls Club of Cathedral City will host its 1st Holiday Wreath Auction with a VIP Reception. The reception includes wine and Hors d oeuvres. Tickets are available at $30/person with all proceeds benefitting the
Boys & Girls Club of Cathedral City.
For further information call susana Avalos at the
Boys & Girls Club of Cathedral City @ 760-770-4965 or call
Douglas Motz Insurance Agency @ 760-200-0270

Sausage Stuffing

2010-11-17T10:22:00.000-08:00

Get Ready For Thanksgiving!

1 14 ounce package stuffing
1 pound Papa Cantella's Italian sausage cooked & crumbled
(removed from casing)
5 tablespoons butter
1 cup chopped celery
1 cup chopped onion
8 ounces sliced mushrooms

Melt butter in a large saucepan and add onions, celery & mushrooms, cook 2-3 minutes on medium heat. Remove from heat, add sausage & stir. Add broth & stuffing to saucepan & lightly mix.

To prepare in casserole spoon into a greased 3 qt casserole dish. Cover & bake @ 350 for 30 minutes

Or loosely spoon prepared stuffing into turkey/poultry cavity before cooking. Follow cooking directions on turkey/poultry.

Serves 10

Bon Appetit!

For further information go to
www.PapaCantella.com or www.DougMotz.com

Spiedini

2010-11-10T08:40:00.000-08:00

A one-hundred year old family favorite!

If you have the time and patience, here is one of the best tasting dishes you’ll ever eat! This is my grandmother’s original recipe from Villa Rosa, Sicily.

Everything You Will Need:

3 pounds of beef round steak
(1/2 inch thick)
1 tablespoon of butter
1/2 pound fresh Papa Cantella's Italian sausage
(removed from the casings)
1 1/4 cups of onion (finely chopped)
1 teaspoon of crushed or chopped garlic
1 1/2 cup of Italian seasoned breadcrumbs
1/2 cup of Parmesan or Romano cheese
(grated)
2 tablespoons of fresh parsley (chopped)
1/4 teaspoon of salt
1/2 teaspoon of freshly ground black pepper
1 egg (hard boiled and grated)
50 bay leaves
3 tablespoons of olive oil

Makes 45 to 50 Incredible Delights!

Round steak is usually about one-half inch thick.

Slice the meat in half to about one-fourth inch thickness.

Pound the meat to an even thickness and cut into pieces about three and one-half inches square.

Set the steak aside.

In a medium-sized frying pan cook the onion, garlic, and sausage in the butter over medium heat for seven or eight minutes, stirring frequently with a wooden spoon to crumble the sausage.

In a medium-sized bowl, mix the breadcrumbs, grated cheese, parsley, salt and pepper.

Mix in the sausage, onion, and grated egg. (The filling should not be too dry or too moist).

Put about one tablespoon of filling in the center of a piece of the round steak and tightly roll it with a small overlap.

Place the spiedini on a skewer, along with a bay leaf.

Repeat the above process for the remaining pieces of steak.

Put on eight spiedini per skewer, with a bay leaf between each one (but none on the ends).

Brush the spiedini with the olive oil.

Preheat the broiler. Broil the spiedini for six to seven minutes per side and serve hot.

(This is also great as a main dish served with a side of pasta!)

for further information go to
www.PapaCantella.com or www.DougMotz.com

Operation Drumstick

2010-11-08T09:32:00.000-08:00

Please Help Your Community During This Holiday Season!

Coachella Valley Rescue Mission is in need of the following:

Critical Holiday Needs:

Turkeys and Hams
Butter
Canned Goods including: Corn,
Green Beans, Yams, Mixed Vegetables
Brown Sugar
Stuffing Mix
Turkey Roasting Bags and Pans
Potatoes - whole or instant
Cranberry Sauce
Pies
All Spices & Dried Herbs including:
Seasoning Salt, Garlic, Paprika,
Rosemary, Oregano,
Thyme, Parsley
Drinks - 12 oz Water Bottles,
Boxed or Bottle Juices,
Powdered Drink Mix
Coffee & Coffee Creamer
Dinner Rolls
Paper Goods including:
Plates & Napkins
Plastic Forks and Knives

For more information contact:
Linda Garland
760-347-3512 x 221

Stuffed Eggplant

2010-11-03T09:56:00.000-07:00

Everything You Will Need:

1 eggplant (1 to 11/4 pounds)
1 cup of onion (chopped)
3 tablespoons of olive oil
2 tablespoons of crushed or chopped garlic
1/2 pound of Papa Cantella's fresh Italian sausage
(removed from the casings)
1/2 pound of lean ground beef
2 cups of fresh, ripe tomatoes
(peeled, seeded & chopped)
2 tablespoons of fresh basil (chopped)
2 tablespoons of fresh parsley (chopped)
1/4 cup of Italian seasoned bread crumbs
1/4 cup Mozzarella cheese (grated)
freshly ground black pepper & salt to taste

Wash the eggplant, and cut it in half lengthwise.

With a spoon, carve out part of the interior of each half while removing seeds, leaving a neat cavity for the filling.

Rinse the eggplant shell with water.

Sprinkle the insides of the eggplant halves with salt, turn them upside down, and let them stand for about one hour on a rack (to allow for breathing).

In a medium-sized frying pan cook the onion and garlic in the olive oil over medium-high heat for about three minutes.

Add the sausage and ground beef.

Cook for about four to five minutes more, stirring occasionally with a wooden spoon to mix the meat.

Mix in the tomatoes, basil and parsley.

Cook for two or three more minutes.

Turn off the heat, and when cool enough to handle, thoroughly mix in the breadcrumbs and salt and pepper to taste.

Preheat the oven to 350 degrees.

Fill the eggplant halves with the filling, and put them in a shallow glass baking dish. (It may be necessary to touch the sides of the halves together to keep them propped up and level).

Add about one-half inch of water into baking dish.

Bake the halves for forty-five minutes at 350 degrees.

Carefully pull out the oven rack and sprinkle on the Mozzarella cheese.

Bake for about another ten minutes, or until the cheese has melted.

Remove the eggplant halves from the pan, and serve hot.

(As an alternative, zucchini (small Italian squashes) may be used. They will require the same treatment and cooking time, however the mixture listed here will fill about eight zucchini).
Serves 4

For futher information go to:
www.PapaCantella.com or www.DougMotz.com

Food Crisis at the Mission

2010-10-29T09:44:00.000-07:00

WE NEED YOUR HELP!
We are asking the community to help us!
Mac & Cheese, Canned Soup, Canned Vegetables, Spaghetti-O’s,
Canned Tuna, Canned Raviolis, Macaroni, Tom Ramen, Crackers, Chips, Hot & Cold Cereals, Canned Beans, Peanut Butter, Jelly,
Syrup, Pancake Mix, Instant Potatoes, Powdered Milk, Rice, Beans.

Starting Monday, November 1, 2010 ,
Douglas Motz Insurance Agency is a drop-off location for the Coachella Valley Rescue Mission. Food items can be dropped off at our office between 9:00am-5:00pm at 43875 Washington St. Suite “A” Palm Desert (in the single story building on the corner of Washington & Fred Waring).
Please do not drop off perishables at our office. Perishables can be dropped off directly at the Mission at 47-518 Van Buren in Indio. For further information please call Linda at the Mission at 760-347-3512 x 221 www.cvrm.org

Sausage & Three Cheese Crostini

2010-10-27T09:32:00.000-07:00

A real "TREAT" for your tastebuds!

Everything You Will Need!

1/2 Pound fresh Papa Cantella's Italian sausage
(removed from casing)
1/2 cup finely chopped onion
1 teaspoon crushed or chopped garlic
1 tablespoon olive oil
1/2 cup Ricotta cheese
2/3 cup grated Parmesan cheese
1/4 cup grated Provolone cheese
1 cup fresh, ripe tomatoes
(peeled, seeded & chopped)
2 tablespoons finely chopped fresh basil
2 tablespoons finely chopped fresh parsley
18 slices of baguette-style bread
(cut 1/2 inch slices)

In a medium-sized skillet, cook the sausage, onion and garlic in olive oil over medium heat for 6-8 minutes, stirring occasionally with a wooden spoon to crumble the sausage.

Remove the mixture & place in a medium sized bowl. Do not drain.

Add in the Ricotta cheese, one half of the Parmesan cheese, the Provolone cheese, tomatoes, basil, parsley and salt & pepper to taste and mix together.

Pre-heat broiler. Place the rack 6-8 inches from the heat source.

Put one tablespoon of mixture onto each of the bread slices and sprinkle the tops with the remaining Parmesan cheese.

Place on a cookie sheet & broil for about 5-6 minutes.

Serves 8 Gourmet Appetizers

For further information go to:
www.PapaCantella.com or www. DougMotz.com

Sicilian Sausage Soup

2010-10-20T14:52:00.000-07:00

It's Simply Delicious!

Everything You Will Need:

1 pound fresh Papa Cantella's sausage
(removed from casing)
1 1/2 cups chopped onion
1 tablespoon olive oil
5 cups of chicken broth
1 28 ounce can of diced tomatoes (in juice)
1 teaspoon fresh basil (chopped)
1 cup elbow macaroni
salt & pepper to taste

In a four quart stock pot, cook the sausage and the onion in the olive oil over medium heat for about 10 minutes or until the onion turns transparent, stirring occasionally with a wooden spoon to crumble sausage.

Add the chicken broth, tomatoes, basil & bring to a boil.

Add the macaroni, and salt & pepper to taste.

Reduce the heat to low and let soup simmer for about twenty five minutes, partially covered, until the macaroni is tender.

Serve hot.

Serves 6 to 8.

For more recipes go to: www.Papacantella.com

Motorcycle Safety Tips

2010-10-19T16:22:00.000-07:00

Motorcycles have been around since the 19th century. Many motorcycle riders are drawn by the freedom associated with riding bikes on our highways across the country. The open road is always an adventure. Some people are drawn to motorcycles because they are very fuel and space efficient. No matter what reason people are drawn to riding bikes, it is important that riders learn the different nuances associated with motorcycles, especially motorcycle safety.

Safety

Safety should be the number one priority for all motorcyclists and should be a requirement of every rider. Each rider should consider as many ways as possible to become a safe rider. The streets & highways are a dangerous place for any motorcyclists. Don't wait until it is too late…. always learn the skills BEFORE you need to use them.
State laws are the only way local governments can enforce motorcycle safety. Some laws include requirements to wear helmets and take special classes to obtain a license. State laws are still not enough by themselves. Certain precautions should be taken prior to hitting the road on your motorcycle such as, taking classes and courses that increase skills and awareness for riders. Also, there is plenty of protective gear available for personal protection.
In the event of a crash, the rider will only have their protective clothing between them and the road. The most important part would be the helmet. It is necessary that the rider find the right fit, and the most protective helmet. The helmet not only cushions the head and brain in case of a fall, but also protects the rider from the distractions caused by dust and flying debris. Other protective gear is imperative to motorcycle safety. In the event of an accident, the rider will not have a door or window to protect them. They must rely entirely on the effectiveness of their protective riding gear. Nothing protects a rider more from a crash than a helmet, a good jacket, gloves and set of chaps. This can make a difference between a few scratches and serious road rash.

The Bike
Experts recommend buying a lightweight, small and manageable bike for learning purposes when purchasing your first bike. Riders can pick from many different groups of motorcycles. The most common include street legal bikes, off road bikes and dual-purpose bikes. Each type is designed to serve a different riding purpose and puts the rider into a different riding statue. With new models coming out ever year there is the right bike for everyone and there are different motorcycle models available to choose from. No matter what kind of motorcycle a rider chooses it is important to remember safety should always come first.

Insurance
Be prepared for whatever the road has in store for you, with a motorcycle insurance policy. Besides being fun to ride, motorcycles are economical and cheaper than a car to insure! Most states require a motorcycle to be insured. You never know what might be around the bend so be sure you have proper coverage. Even if you have been riding for years, it's a good idea to take a close look at your motorcycle insurance coverage. Accidents happen every day.

When purchasing a motorcycle be sure to call Douglas Motz Insurance Agency @ 760-200-0270 for a FREE quote or go to www.DougMotz.com. When you choose our agency for your insurance we can give you peace of mind while you ride so you don’t have to worry whether you have the proper insurance coverage.

After “Tying the Knot”

2010-10-14T16:22:00.000-07:00

Insurance Needs for Newlyweds

Newlyweds need to re-evaluate their insurance coverage once they have “Tied the Knot”. Households and finances get merged. One of you may move into the other’s current home, or the newlywed couple may move into a new home together. Marriage means you will need to update your insurance to reflect your new marital status.”
Assessing and addressing your insurance needs early on will help you make the right choices when combining 2 single households into one married package. It can also save you a lot of money in the future and will help carry you over the threshold toward financial stability. Be sure if one of you is changing their name that it is reflected on your policy.

Adjust your health insurance: If you or your spouse both have health coverage through one of your employers’, compare coverage and costs to decide which is the best plan for you, so you don’t pay duplicate coverage. If only one of you have a health insurance plan you might want to put it all under one plan, you may get better rates and coverage.

Auto insurance: Combining your auto policies into one household can often save you money, most companies offer discounts for insuring multiple vehicles on one policy. Rates for married drivers are usually lower than for single policyholders. Also, combining homeowners and auto policies can give you an added discount.

Homeowners or renters insurance: One of your most valuable assets is your home and its belongings. Be sure to take out a homeowners or renters policy to protect you in the event of fire or theft. For your new life together you have bought new furniture and have opened all of your expensive wedding gifts, they need to be protected. Be sure to inventory all of your belongings, go through the entire house together since most couples have lived on their own before marriage. Take some pictures/videotape while you are taking an inventory. Write the brand, make, models, serial numbers, and dates of purchase on the back of the picture and store this information in a safe place.

Engagement/Wedding Ring: You may want to add your expensive wedding ring to your policy because most homeowner’s policies place a limit on jewelry coverage, this is called a rider or endorsement.

Life Insurance: Purchasing life insurance is important because you want your new family to be financially prepared if the unspeakable should happen – the loss of either spouse. Though not a topic most newlyweds want to spend a lot of time thinking about, the chance of leaving behind a loved one is a risk that no married person should ignore. Would your surviving spouse be able to manage the mortgage or rent payments on one salary? How much debt do you currently have including credit card bills, student loans and car loans? If you don't already own a home, are you planning to purchase one soon? Are you planning to have children any time soon? These are just a few questions newlyweds need to answer. Also, if you already had a life insurance policy before you were married, be sure to change the beneficiary.
And if you haven’t already purchased your trip insurance for your honeymoon, Douglas Motz Insurance Agency can also help you there.

When you return from your honeymoon call Doug Motz at Douglas W. Motz Insurance Agency @ 760-200-0270 or go to http://www.DougMotz.com, so he can guide you in the right direction. License #0F00702

Roasted Turkey & Sausage Roll

2010-10-13T09:35:00.000-07:00

Wednesday’s Weekly Recipe
Roasted Turkey & Sausage Roll

Everything you will need:
5 pound boneless turkey breast
(in one piece, with skin)

½ teaspoon dried oregano
¼ teaspoon salt
½ teaspoon freshly ground black pepper
¼ cup butter
(let temper for about 15 minutes before using)
½ pound of Cantella’s fresh Italian sausage
(removed from casing)
¼ cup of olive oil
Ground pepper medley
Garlic salt
Kitchen string

Neatly bone (or have you butcher do it) a turkey breast (in one piece) to net about five pounds.

Remove & save the skin in one large piece.

Lay the breast out and pound it to an even thickness, pushing the sides to form a rectangular piece. Lay the breast on its back side with the cut side up.

Spread the butter over the breast, then sprinkle on the oregano, salt & black pepper.

Crumble on the Italian sausage.

Neatly & tightly roll the breast, cover it with the skin, and tie it together in five or six places.
(Tip: Cut about six pieces of string 14-15 inches long and lay them out. Set the turkey roll over the pieces of string. It helps to have an assistant put a finger on the knot. )

Preheat oven to 350 degrees.

Rub the roll thoroughly with the olive oil. Sprinkle on the pepper medley and garlic salt to taste.

Place the turkey roll on a roast rack and put into a 9 x 13 inch glass baking dish.
Roast for about one and one-half hours, brushing or basting occasionally with its own juices.

When the turkey roll is finished roasting, test it with a roast-meat thermometer which in the center, the breast should read 168-170 degrees.

Let roasted turkey roll stand for just a couple of minutes before carving.
Cut into one inch slices & serve hot.

Serves 6

For more recipes from Papa Cantella go to www.papacantella.com

Papa’s Special Egg Dish

2010-09-30T12:30:00.000-07:00

Here is a GREAT Sunday breakfast to make for you family!

Everything you will need:
8 fresh eggs
1 pound fresh Papa Cantella’s Italian Sausage
(removed from casing)
1 1/2 cups chopped onion
4 teaspoons olive oil
1 10 ounce package chopped, frozen spinach (thawed & drained)
Salt & freshly ground pepper

Beat egg in a small bowl & set aside.

In a large skillet, cook the sausage & the onion in the olive oil for approximately 10-12 minutes, stirring occasionally with a wooden spoon to crumble the sausage.

Add the eggs and spinach to the sausage & onion mixture. Scramble until the eggs are done.
Add salt & pepper to taste & serve hot.
Serves 4

For further information on Papa Cantella’s Sausage go to: www.Papacantella.com

Cantella’s Pesto Sausage & Onion Alfredo

2010-09-24T09:10:00.000-07:00

Everything you will need:
1 package of Cantella’s Pesto Sausage
1 large onion finely chopped
¼ cup of butter
2/3 cup white wine (chardonnay)
1 ½ cups heavy cream
¼ teaspoon nutmeg
1 pasta (Radiatore is a good choice)
2/3 cup fresh grated Romano or Parmesan cheese
To make sure your pasta and sauce are timed correctly, bring a pot of water to a boil now.
Cook the pasta according to the directions.
In a large frying pan or electric skillet, cook the onion over medium to medium low heat for fifteen minutes, being careful not to burn the butter. Cut the sausage into ¼ to ½ inch bite sized pieces and set aside. Add the sausage & wine to the onions. Raise the heat to medium high and let simmer for eight to ten minutes, stirring occasionally with a spoon. Stir in the cream and the nutmeg and let simmer, stirring occasionally, for ten more minutes, or until the pasta is ready. Drain the pasta in a colander and return back to the pot. Add the sauce and the grated cheese. Gently mix the pasta until it is well coated. Add salt and pepper to taste and serve hot.

For more recipes from Papa Cantella's go to:
http://www.papacantella.com

Dog Liability and Homeowners Insurance

2010-09-22T08:22:00.001-07:00

Dangerous Dog Breeds Can Be An Insurance Risk
When getting your homeowners insurance, the breed of dog you have may actually change your premium rates or even disqualify certain aspects of the policy. The liability is created by having a certain type of dog that is statistically more likely to bite someone than other breeds. The lists vary by insurance company, but most have listed the following breed of dogs as unacceptable: Pit Bulls, Doberman Pinschers, Rottweilers and even Chows may actually be a liability that insurance companies would prefer not to cover. Some carriers have a more extensive list of unacceptable breeds which could include:
Akita, Alaskan Malamute, Chow, German Sheppard, Husky, Presa Canario, Staffordshire Terrier and Wolf Hybrids to name a few.
Some states are even considering making pet liability insurance mandatory for all pet owners.
If a homeowner has a dog that has ever bit someone while he or she was on your property, the injury could quite conceivably fall into the “liability” category. And despite all of the other precautions taken to secure and protect your home and the people inside it, like good locks, alarms, safe construction etc., the simple fact that you own a particular type of dog could potentially put the entire homeowner’s contract at risk.
Precautionary Steps to Lower the Risk
Show the insurance company that you are serious about keeping your “high-risk” dog at bay, safely secluded away from the neighborhood and any potential visitors. High fences and safety collars can make a world of difference in lowering the risk of a liability problem. Be sure to have a “Beware of Dog” sign posted on your property.
If you don’t want to deal with this potential homeowner’s insurance problem, you can always get a low-risk dog. Mixed breeds tend to be perfect, and there is always a nice variety of mutts around. Plus, local shelters are typically overrun with dogs and many of them are not categorized as high-risk. Or you can get a certain type of specialized breed which has not been placed on the insurance companies’ blacklist. And if you absolutely don’t want to give up your high-risk dog, just make sure the dog never gets the chance to hurt anyone and thereby create a claim that may not be covered. A little prevention can save a lot of heartache and money.

Landlords and Dogs
A landlord who allows a tenant to have a dog on the premises can be and have been held liable. When interviewing tenants you need to ask what breed of dog they have. Insist on seeing the dog. Approach the dog, is he hostile or aggressive? If yes, find different tenants or be sure to write on your leases an addendum for animals, that way you can revoke the animal privilege without rewriting the lease.

Insurers will never stop underwriting dogs when writing homeowner policies. Dogs are a liability hazard for insurance companies, and the risk associated with insuring their owners is too great to overlook. Addressing an unacceptable exposure after a loss occurs is too late. Take the time to identify your own exposure. By doing so, you help protect yourself and lessen the risk of lawsuits and insurance issues. A few companies have not restricted dog breeds.

Cantella's Hot & Spicy Sausage Hors D’Oeuvres

2010-09-17T08:41:00.000-07:00

Everything you will need:

3 pounds of Cantella’s Fresh Italian Sausage
1 10 ounce jar grape jelly
2 10 ounce bottles of chili sauce
Broil the sausage for about eight to ten minutes over medium heat, turning once only and remove them just before they are done. Cut the sausages into
one-fourth to one-half inch bite-sized pieces.
Mix the jar of grape jelly and the 2 bottles of chili sauce in a two quart sauce pan and bring to boil. Reduce heat to low and add the sausage to the grape jelly and chili sauce mixture and let simmer for about fifteen minutes.
Serve this wonderful and easy creation in a crock-pot or other warming container and have toothpicks available for convenience.

For more recipes go to:PapaCantella.com

Santa Fe Turkey Sausage Sandwich

2010-09-10T11:17:00.000-07:00

Cantella’s Santa Fe Turkey Sausage Sandwich
Everything you will need:
1 package of
Cantella’s Santa Fe Turkey Sausage
1 onion
1 package of fresh rolls
1 tablespoon of olive oil, mayonnaise & mustard

Barbecue, broil or pan fry the sausage

Slice the onion & cook in one tablespoon of olive oil about 15 minutes, covered, over medium heat. Spread the mayonnaise & mustard on a roll, then place the sausage on the roll and spoon the onions over the sausage.

Bon Apettit!

To find out where to buy Papa Cantella's Sausage go to:
www.PapaCantella.com

Have you checked your homeowners insurance policy lately?

2010-09-02T08:59:00.000-07:00

Have you checked your homeowners insurance policy lately? Do you have any changes such as: upgrades or additions, or are you renting your house out? If you answer YES to any of these questions you need to review your homeowners insurance policy. Call Douglas Motz Insurance Agency today @ 760-200-0270 or go to DougMotz.com to be sure you are properly covered!

Best Way to Cook Sausage

2010-08-31T11:33:00.000-07:00

Notes On Cooking Sausage....
First of all, you want to use Papa Cantella's Italian Sausage!
As a general rule, let sausage temper for about ten minutes before cooking as putting cold sausage on a hot grill will tend to split the casings. Never poke or prick sausage before cooking as this will allow rich flavorful juices to escape the meat. Contrary to some belief, sausage does not need to be par boiled before cooking.
Cooking times for sausage may vary slightly depending on the appliance used and whether or not you are using Fresh or Fully Cooked Sausages. As a rule of thumb, 325 degrees is the approximate correct heat on an electric skillet, or medium-high heat on a gas appliance.
Sausage may be cooked in any number of ways, but no matter what method is used, Fresh Sausage will generally be cooked in about sixteen to thirty minutes, and are finished just as the meat looses its pink color inside. Fully Cooked Sausages need only to be heated for approximately 10-15 minutes.
Instead of using a fork to turn sausage while cooking, use tongs. The best tongs to use for turning sausage are the long handled, spring loaded, stainless steel type, as opposed to the scissors type.
When cutting or slicing sausages, use a sharpened knife. A dull knife will rip the casings and not give a good clean cut.
To pan fry Fresh Sausage, lightly wipe the interior of a frying pan or electric skillet with olive oil and preheat to 325 degrees or medium high heat. Cook the sausage for fifteen to eighteen minutes, turning occasionally. When using Fully Cooked sausages cook in exactly the same manner, simply adjust cooking time to approximately 10-15 minutes, or until the sausage is heated to the center.
To broil Fresh Sausage, preheat the broiler. Place the sausage on a broiler pan, about three to four inches from the heat source, usually second shelf from top. Broil for about sixteen to eighteen minutes, turning occasionally. In an electric oven, broil with the door ajar. When using Fully Cooked sausages cook in exactly the same manner, simply adjust cooking time to approximately 10-15 minutes, or until the sausage is heated to the center.
To bake Fresh Sausage, preheat the oven to 350 degrees. Lightly wipe the bottom of a glass baking dish with olive oil, place the sausage in the dish, and bake for twenty-five to thirty minutes, uncovered. When using Fully Cooked sausages cook in exactly the same manner, simply adjust cooking time to approximately 14-17 minutes, or until the sausage is heated to the center.
To steam Fresh Sausage, place the sausage in a medium-sized skillet and add eight to twelve ounce of water or other desired liquid such as chicken broth, wine, beer, etc. Cook on medium high heat, covered, for twenty to twenty-five minutes. When using Fully Cooked sausages cook in exactly the same manner, simply adjust cooking time to approximately 14-17 minutes, or until the sausage is heated to the center.
To Bar-B-Q Fresh Sausage, mound the briquettes into a pyramid on the coal rack of the grill. Light the fire in the usual method and let kindle for about fifteen minutes until the coals become ashed over. Safely spread the coals out into a single layer Arrange the links on the grill and cook for about twenty minutes, turning occasionally. When using Fully Cooked sausages cook in exactly the same manner, simply adjust cooking time to approximately 10-15 minutes, or until the sausage is heated to the center. (Note: if cooking a large number of sausages, juices may drip onto overheated coals and cause a fire flare-up to occur. To help prevent this from happening, make sure the coals have already peaked and are not flaming before putting the sausages on. You may also want to use a grill basket, and keep a spray bottle of water handy.)
For further information contact: Douglas Motz Insurance at 760-200-0270 or go to www.DougMotz.com.You can also go to: http://www.papacantella.com/

Can you afford to rebuild your home if it is destroyed?

2010-08-25T12:05:00.000-07:00

Although wildfire season comes every year, a recent poll by the Insurance Information Network of California, found that only 22 percent of Californians consider themselves prepared for a disaster.
Southern California wildfires have displaced thousands of residents across much of the southland in recent years. With a multitude of wildfires in Southern California this should be a reminder of the importance of having proper insurance coverage for your home and valuables, whether it is your home, condo, apartment or your autos. Be sure to also have the proper coverage of your contents.
It is sad, but if you have seen news stories, many victims do not have homeowners insurance. Some people think that they do not need homeowners insurance if they own their home outright. Can you afford to rebuild your home if it is destroyed? Can you afford to replace all the contents of your home if it is destroyed? Or what if your car, boat, motorcycle, etc is destroyed? Can you afford to replace any or all of those if they are not properly insured?
You might also have “loss of use”, which means that your home is uninhabitable. Can you afford additional living expenses, such as renting a house or apartment until your home is habitable?
Families can protect themselves when faced by disaster by practicing the following tips:
●If you are ordered to evacuate follow the police or firefighters instructions. Safety is more important than your home & valuables.
● Have a family evacuation plan, plan escape routes and have a meeting place in the event you become separated.
●Designate a contact person that your family can call to report any information needed.
●Make an inventory list, as well as take pictures and/or videos of all of your belongings and valuables and store them away from home.
●If you have time before you evacuate be sure to gather any financial documents, insurance papers, irreplaceable items, such as photos or family heirlooms etc…

If you need further information please contact Doug Motz from the Douglas W. Motz Insurance Agency, Inc.(License #0F00702) Doug Motz can be reached at 760-200-0270 or you can go to www.DougMotz.com.
43875 Washington St. ●Suite A● Palm Desert, CA 92211

Douglas Motz Insurance Agency would like to thank all of the emergency response teams and fire departments throughout California for their commitment to public safety. We are so grateful and appreciative for what you and your families sacrifice.

What is GAP Insurance(And why would I need it?)

2010-08-12T11:52:00.000-07:00

by: Douglas W. Motz Insurance Agency
The moment you drive your car off the lot, it loses value, sometimes as much as 20-30%. GAP stands for Guaranteed Auto Protection insurance. Gap insurance covers the difference between the market value of what your car is worth and what you owe on the loan. If your vehicle has been totaled by an accident, vandalism, theft, flood, fire, tornado, or hurricane your insurance company typically pays the Actual Cash Value (ACV), which is usually less than the actual amount you still owe on your loan or the amount due for a lease payoff. It pays the difference between what is owed and what your auto insurance company will pay. Without GAP insurance you would owe the difference. Most people assume that if their car is totaled, it will be replaced at the amount they paid, or at least the amount they owe. This is not so.
If the ACV of your car is $15,000.00 and you owe $20,000.00, GAP insurance will cover the $5,000.00 difference, it may even cover your deductible.
GAP insurance is a must if you are buying or leasing a new car and should not be something that you decide to cut costs on. GAP insurance is very affordable. Dealerships tend to take a pretty hefty markup on add-ons like GAP insurance. Check with your insurance agent/company to see if they sell GAP insurance.
For further information on GAP coverage call Doug Motz @ Douglas Motz Insurance Agency at 760-200-0270 or go to DougMotz.com. Check out our blog @ www.DougMotzInsurance.blogspot.com or you can follow Doug Motz Insurance on Facebook, Twitter and Linkedin.
License # 0F00702

Travel Tips For Driving To Mexico

2010-08-11T13:29:00.001-07:00

Travel Tips For Driving To Mexico

Why do I need Mexican Automobile Insurance?

Southern Californians often take weekend trips across the border into Mexico. It is suggested that you ALWAYS obtain Mexican automobile insurance prior to crossing the border. Mexican authorities do NOT recognize American or Canadian issued auto insurance as valid, regardless that the American policy has Mexican coverage. If you are involved in a motor vehicle accident in Mexico, it is likely that you will be detained until the local authorities can determine who is at fault. Even if you are not at fault, under Mexican law, motorists are required to have Mexican auto insurance, or officials will want proof of financial responsibility and will expect you to post a bond to cover estimated costs before you will be released. Financial responsibility can be demonstrated either by possession of cash, approximately $5,000.00-$10,000.00, or by possession of Mexican auto insurance through and authorized company.
For information on Mexico automobile insurance prior to traveling to Mexico got to www.DougMotz.com or contact Doug Motz at Douglas W. Motz Insurance Agency at 760-200-0270. License # 0F00702

Prior to traveling to Mexico, travelers should make their own inquiries into Mexican law. This article does not include all available information regarding traveling in Mexico.

25 Fun & Interesting Car Facts

2010-08-09T14:01:00.000-07:00

1. 1 car is stolen every 33 seconds
2. The first car for sale in America was the Curved Dash Oldsmobile priced at $650.00.
3. In 1924 a Ford automobile cost $265.00.
4. It would take about 157 days to drive to the moon at 60 mph.
5. Most car horns beep in the key of “F”.
6. The National Highway Traffic Safety Administration made it the law in 1968 that seat belts be put in all newly manufactured cars.
7. The first auto insurance policy was purchased in 1897.
8. On 21 November, 1985 someone actually removed & replaced a car engine in a Ford Escort...in 42 seconds!
9. The first Japanese car in the United States was the Honda Accord manufactured in November 1982.
10. 55 percent of the cars in the world in 1916, were Model T Fords
11. An airbag moves up to 4500 mph within a second when triggered. They are designed to explode at an impact speed of 19 mph and they inflate within 40 milliseconds of a crash.
12. The first Porsche 356 was introduced in 1948
13. Ferrari makes a maximum of 14 cars every day.
14. There were only 107 models of the Ford GT40 made of which only 7 were road cars.
15. The first car radio was invented in 1929.
16. Luxembourg has the most crowded roads in Europe with 570 cars per 1,000 people.
17. The first cars used a lever instead of a steering wheel.
18. In 1938 Buick introduced the first electric turn signals
19. Traffic lights were introduced in 1914 and were manually operated with an officer controlling them from a booth near the intersection.
20. The first car race in the United States was held in Chicago in 1895, 6 cars lined up. The winner was J. Frank Duryea, whose average speed was 71.5 miles per hour.
21. The first gas gauge appeared in cars in 1922.
22. The world’s cheapest car is Tata’s Nano in India about $2500.00
23. Year after year the Honda Accord tops the list as the most frequent car stolen in the U.S. along with the Cadillac Escalade, Honda Civic, Toyota Camry and Ford F-150.

24. 173 new inventions by women for cars had been reported in 1923. 2 of them were an electric engine starter and a carburetor
25. The automobile is the most recycled consumer product in the world today.

Douglas Motz Insurance Agency at 760-200-0270 or go to DougMotz.com. Check out our blog @ www.DougMotzInsurance.blogspot.com or you can follow Doug Motz Insurance on Facebook, Twitter and Linkedin.
License # 0F00702

Don't Turn on Your Oven!

2010-07-21T17:26:00.000-07:00

Don’t turn on your oven this summer…Instead grill everything!
Whether you use a small barbeque or a built-in outdoor kitchen, as long as you have a heat source, you can make a variety of tasty healthy recipes.
Grilled vegetables make a great side dish and you can cook them in many different ways, such as directly over the heat, threaded onto skewers or in foil with seasoning.
You can grill bell peppers, onion, mushrooms, tomatoes, zucchini, asparagus, eggplant, corn on the cob and so much more. (Adding chunks of pineapple can add a lot of sweetness and flavor). You can grill vegetables without any fat, such as butter or oil, which can be a very healthy choice. You can even grill pizza!
Here is a sample of an entire meal without turning on the oven…
Peach Salsa to accompany your favorite Grilled Chicken, Pork or Fish
Ingredients:
• 2 cups diced peeled peaches
• 1 medium lime or 1/2 tablespoon lime juice
• 1 to 2 teaspoons finely minced fresh jalapeño chile pepper
• 1 tablespoon chopped fresh cilantro
• 1 clove fresh garlic, minced
• 1-2 tablespoons peach nectar
• Dash salt & freshly ground pepper
• Honey, to taste, if desired
Combine all salsa ingredients. Let stand approximately 45 minutes or refrigerate for a few hours before serving. Top on your choice of Grilled Chicken, Pork or Fish
Serves 4 to 6.

Healthy Fresh Corn on the Cob wrapped in Aluminum Foil
Ingredients:• Corn on the cob
• Olive oil
• salt and pepper or any of your favorite seasonings
1.Preheat an outdoor grill for high heat.
2.Husk each piece of corn, rinse & dry.
3.Roll each ear of corn in olive oil & season with your favorite seasoning.
4.Wrap tightly in aluminum foil. Place on the prepared grill. Cook approximately 30 minutes, turning occasionally, until corn is tender.

Medley of Grilled Vegetables
Pre-heat grill to your normal grilling temperature.
Wash and dry vegetables of your choice. Chop into 1 inch pieces or larger. Place in a large bowl, drizzle with olive oil & seasoning, toss until evenly coated.
Lay out a medium to large sized sheet of aluminum foil, it’s best to use heavy duty foil, and spray with non-stick spray. Pour your vegetables out onto the foil sheet and then cover with an equally large piece of foil. Fold the edges up, fold the edges together and crimp them up so you have a sealed pouch that will not leak liquids or steam.
Grill for approximately 20 minutes, flipping the pouch over after 10 minutes.
Be sure when you take foil off vegetables you wear oven mitts to protect from steam.
If you are grilling other items like steaks or burgers give yourself at least 20 minutes to grill your vegetables. Time your meats or other sides accordingly.

Grilled Salad
•2 Heads of Romaine Hearts
•2 Tbsps Olive Oil
•8 Tbsp Vinigarette Dressing
•¼ Cup Gorgonzola Cheese

Wash, dry, then cut the romaine in half, lengthwise keep the end in tact so it stays together. Rub the outer exposed leaves with olive oil to prevent scorching. Sprinkle cheese inside the leaves. Place on hot grill for about 2 minutes then flip over for one more minute. Place romaine on the top shelf of the grill so the bottom doesn’t cook any more. Close the lid for just a minute or 2 until the cheese starts to melt. Drizzle with your favorite dressing. Serve immediately.

Grilled Bananas
• 4 bananas
• 1 tablespoon lemon juice
• 1 cup brown sugar
• 1 teaspoon ground cinnamon
• 2 cups vanilla ice cream

Preheat grill for low heat.
Halve each of the bananas lengthwise, then widthwise. Sprinkle bananas with lemon juice. Mix brown sugar and cinnamon together in a small bowl. Roll banana pieces in mixture until well coated.
Lightly oil the grill grate. Arrange bananas on preheated grill, and cook for 3 minutes per side.
Try pouring a drop of your favorite topping over the bananas or ice cream just before serving

Don’t Drive Without Automobile/Car Insurance

2010-07-14T13:37:00.000-07:00

Be responsible,don't drive without automobile/car insurance.
It is a crime in most states to be driving without automobile insurance. You may face serious penalties for driving without it, especially if you get in an accident. If you do not have proof of insurance at the scene of an accident, you will have to present proof when you go to court. If you do not have proof of insurance when you go to court, you may be fined, and fines for driving without insurance can be heavy and vary by state.
If it is discovered you are driving without proper insurance in the State of California they will suspend your driver's license or your license plates. License plate suspension can included impoundment or immobilization of your vehicle for at least 30 days.
The lack of insurance can leave you personally liable for any damages or injuries caused by an accident, which can ruin you financially. You can be sued personally for any damages or injuries that occurred in an accident where you were at fault. You can lose your home and any other property you have if you do not have the money to cover the amount you owe. Depending on the amount of damage done.
Douglas Motz Insurance Agency writes insurance in the state of California including Riverside County, Coachella Valley, Palm Springs, Cathedral City, Rancho Mirage, Palm Desert, Indian Wells, Bermuda Dunes, La Quinta, Indio and all of the desert cities.
Doug Motz at Douglas W. Motz Insurance Agency at 760-200-0270 or go to http://www.DougMotz.com License # 0F00702 43875 Washington St. Suite A, Palm Desert, CA 92211

Summer Travel Tips

2010-06-10T15:51:00.000-07:00

Hotel/Motel Tips for Travelers
By: Douglas Motz Insurance Agency
Are you planning a stay in a hotel or motel this summer, if so here are some useful safety tips:
♦Stay in hotels on well-traveled streets in safe areas of the city of your destination.
♦Before you go anywhere familiarize yourself with its location. Take a business card or a piece of stationary from the hotel with their name and address; this can help you in the event you get lost.
♦Lower level floors are safer in case of fire; however, you should avoid the first floor as it is the best location for break-ins.
♦Get yourself familiar with the location of stairways, fire escapes routes, emergency exits and alarms.
♦If a fire starts be sure to take your key before leaving the room, since most hotel room doors automatically lock. Never use the elevator during a fire. If there is heavy smoke in the stairwell walk up to the roof fire exit. If there is heavy smoke in the hallway and the exits are blocked it is better to go back to your room. If there is smoke in your room, open a window and turn on the bathroom vent. Call the front desk to tell them where you are, or call the fire department to report your location in the building. Hang something out the window as a signal, for instance, a bed sheet. Fill the bathtub with water to use for fire fighting. Stuff wet towels into cracks around doors or where smoke can enter. Place a wet towel over your mouth and nose to help filter out smoke.
♦Do not use your name when answering the phone.
♦Put the “Do not disturb” sign on your door whenever you leave your room for the day, it will give the impression you are in your room.
♦Always keep your hotel room door locked. Never invite strangers into your hotel room. Before opening the door to a stranger, verify who it is.
♦Never leave your valuables where hotel employees can see them. If there is a safe in the room use it.
♦Be observant when returning to your hotel at night, use the main entrance.
♦Do not stay out on the streets late at night. Walk on well-lit streets. If necessary, arrange for taxi service.
♦Do not assume that because the hotel you are staying at is in a safe neighborhood that all of the surrounding areas are safe. Check with the hotel’s employees to see if there are unsafe areas to stay away from.
For more safety tips call Doug Motz at Douglas Motz Insurance Agency @ 760-200-0270 or go to www.DougMotz.com. Check out our blog at www.DougMotzInsurance.blogspot.com and follow us on Facebook!
License # 0F00702

Buying a New Home?

2010-06-03T19:24:00.001-07:00

Buying a New Home?
Don’t forget to include the costs of homeowners insurance.
Whether you are a first time home buyer, looking to downsize to a smaller property or considering the purchase of a second home, do not forget to factor in the potential insurance costs of the home you are considering buying when calculating the overall price of owning the house. Insurance is something that is often overlooked when factoring in costs.
Most people tend to focus on schools, neighborhoods, restaurants, shopping and property taxes.
Since you will be paying for insurance as long as you own your property, you need to factor the cost of insurance into the home buying process.

Here are a few questions to ask prior to buying which could affect the cost of your insurance premiums:

♦Is there a history of earthquakes?
♦Is the house in a flood zone?
♦Is the house vulnerable to wind damage?
♦How close is nearest fire department?
♦What is the condition of the plumbing and electrical systems?
♦Is the house well built, well maintained and up to code?
♦Does the house have a swimming pool or other water feature?
♦ What is the condition of the plumbing and electrical systems?

Don’t wait until the last minute. Ask your insurance agent if the house will qualify for insurance, and get an estimate of the premium. The sooner you act, the smoother the process will be. If you are getting ready to close escrow on a house or need a quote on your existing home call Doug Motz @ Douglas Motz Insurance Agency at 760-200-0270 or go to DougMotz.com. Check out our blog @ www.DougMotzInsurance.blogspot.com or you can follow Doug Motz Insurance on Facebook.

License # 0F00702

Memorial Day

2010-05-28T00:00:00.000-07:00

Memorial Day is a day of remembrance for those who have died serving our country.
God Bless America. And God Bless Our Troops!

Click It or Ticket

2010-05-24T22:54:00.001-07:00

Click It or Ticket:

California's "Click It or Ticket" seatbelt enforcement campaign is in full force of area highways during the weeks of May 24 through June 6.
Law enforcement throughout the state will be looking for unbelted drivers and passengers.
Fines have increased this year, adult seat belt violations are $142 for the first violation and the fine for children under the age of 16 is $445 for the first violation. If the parent is not in the car, the driver gets the ticket. Don’t put your life at risk or your family or friends' lives at risk. Buckle up!

Keep Man's Best Friend Safe in the Desert Heat!

2010-05-18T12:37:00.000-07:00

You might be tempted to take your pet with you in the car while you are doing errands since the weather is so nice right now in La Quinta, Palm Desert, Indian Wells, Rancho Mirage and the rest of our beautiful desert cities. But, the inside of your car can reach 120 degrees in a matter of minutes, even if you're parked in the shade. To avoid any chance that your pet will succumb to the heat of a car be sure to play it safe by leaving your pet cool and refreshed at home while you're running your errands.

Trembler. Earthquake. Aftershock

2010-05-10T19:43:00.000-07:00

Facts about EARTHQUAKE insurance in California.

Why would I need earthquake insurance?
Under your Homeowners policy, damage or loss to your home is not covered as a result of an earthquake. To protect your home and belongings from loss resulting from an earthquake you may wish to purchase earthquake insurance from a participating California Earthquake Authority (CEA) company. Also, if you own a condominium or rent a home or apartment you must purchase separate earthquake insurance with a participating CEA company to protect your personal belongings. You are the only one who can decide if this coverage is right for you. Are you willing to risk your investments?

The California Legislature created the California Earthquake Authority (CEA) in 1996-a privately funded, publicly managed insurer to offer basic earthquake coverage for homeowners, tenants/renters, mobile homes and condominium unit owners. A CEA policy provides specific living expenses and limited replacement dollars for earthquake-damaged personal belongings in addition to providing rebuilding benefits for major structural damage to your insured residence.

Where can I purchase a CEA policy?
Participating private insurance companies and their agents offer and service CEA policies. With each homeowners policy sold, companies who do not participate in the CEA are still required to offer earthquake coverage

Important Information
You must have your Homeowners, Condominium unit or Tenant/Renters insurance with a participating CEA company to purchase earthquake insurance The earthquake coverage amount for your residence structure must be the same as you have on your Homeowners policy. The CEA policy pays for repair or replacement of the dwelling, but not for damage to pools, spas, patios, fences and detached garages.

How much does CEA coverage cost?
CEA premiums will vary according to certain factors like where you live, the age and construction type of your residential property. Your insurance company or agent can give you an exact quote.

Give us a call if you would like further information about being properly insured for an earthquake. Our office number is 760-200-0270

How much do you REALLY know about LIFE INSURANCE

2010-05-07T17:43:00.000-07:00

When you get life insurance, you may think it will never be used or that it is an investment for later on. But Life Insurance is not for you. It is something you do for your family, your spouse, your kids or your business. It's a way to help your loved one's when you are not there. It's a security blanket kind of thing. Even though you think you are never going to use it, it's good to know that it's there.

Life Insurance can be an important tool in the following situations:

Income replacement for dependents- Life Insurance can replace your income in your untimely death, especially if your family depends on your income. This is so important for parents with young children and/or couples in which survivor would be financially stricken by the lost income through the death of a partner. Also, to dependent adults, such as parents, siblings or adult children who continue to rely on you financially.

Create an inheritance for your heirs- You can create an inheritance by buying a life insurance policy and naming your heis as beneficiaries, even if you have no other assets to pass on to your heirs.

Pay burial costs- Life insurance can pay funeral and burial costs, probate and other estate administration costs, debts and medical expenses not covered by health insurance.

Create a savings plan- Some types of Life Insurance create cash valuethat, if not paid out as a death benefit, can be borrowed or withdrawn on the owner's request.

Pay Estate Taxes- Pay estate taxes so that your heirs will not have to liquidate other assets or take a smaller inheritance.

Make significant charitable contributions- YOu can name a charity as your beneficiary.

Don't wait until you can't qualify for life insurance. Call today for more information about information about what Doug Motz Insurance Agency can do to help you and your family. 760-200-0270

Doug W. Motz is affiliated with Farmer's Insurance & Financial Solutions

2010-03-18T18:12:00.000-07:00

Welcome to our blog!