Dave Ramsey's Financial Peace University

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?

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?

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"

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"

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"

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

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