Unlock The Door To College Savings

Your employees deserve the College Tuition Benefit . . .A smart, no-cost way to reward your workforce with Tuition Rewards. Education is the key to a secure future.

You can reduce the cost of your employees’ children’s college education!

Tuition at private, nonprofit colleges and universities is increasing by approximately 4 percent each year. At this rate, tuition is rising substantially higher than increases in personal income and the general inflation rate. According to The College Board, the average annual cost for tuition and fees at private, four-year institutions now exceeds $30,000. The College Tuition Benefit (CTB) makes it possible for an employer to provide the children and grandchildren of every employee with a guaranteed college scholarship that may equal up to a full year of tuition at many of America’s finest institutions of high education.

Driving Safely in the Winter Weather

Click here for tips on how to safely drive in the winter.

Brighten Your Home For Spring With The Following 10 Tips

Spring is a sign of renewal in many areas of our lives, and our homes are no different! There is something energizing and refreshing about bringing that bright, airy feeling of Spring into your home. Here are the 10 best ways to spruce up and revitalize your rooms, on a dime!

1.Add white! White with your present color scheme will both cool and brighten, adding the freshness that only white can! If your room colors tend toward the warm side, such as yellows, browns, or reds…then choose creamier white such as ecru or ivory. If you have cooler colors in your room, such as greens and blues, go with the brighter, cleaner whites.

2.Try painting your focal wall, (that is, the one most seen) in a sunnier, brighter, or lighter shade of your current wall color. It will add lightness to the room without drastically changing the whole scheme. Don’t worry, you can always go back to that rich red in the fall, but how about a little petal pink, or sky blue? Remember, its only paint, its cheap!

3.Add a floral print fabric to your room. Using the primary colors already in your room, visit your fabric store and pick out a floral fabric you love with at least one of those primary colors in it. (The more, the better, but don’t feel you must have every color in the room also in the fabric!) Use that floral fabric to make table scarves, placemats, pillow covers, and simple seat cushion covers. Pair it with a solid fabric color already in the room, and you have a custom coordinated look, for just a few dollars and some simple straight sewing!

4.Pick up some pretty colored glassware from the dollar shop, and display it where the sun will light it up! You could even use clear glassware, and fill it with colored water to coordinate with the room. Use your glassware as vases, pencil holders, or candy dishes, but make sure it is seen! Glass sparkles and adds a bit of sunshine to a room.

5.Take down your curtains, and just leave your mini blinds underneath. Don’t leave it bare, though, we don’t want boring! Swag some dried or silk flowers over the top of the blinds, or use some muslin to twist around a curtain rod for an informal but airy valance. (No sew!)

6.Keep your windows sparkling clean. Dirty windows cut down on a surprising amount of light, and make a room look dull. As a bonus, clean windows mean more sparkling glass, and that makes room feel larger and brighter!

7.Pot up some pansies from the garden center and use them indoors as houseplants. They are cheap, easy, and add flowers to a room without the cost of replacing floral arrangements every week! You can even coordinate the flower color to the color scheme of the room. Don’t match the colors, just pick something complementary.

8.Clear most of the artwork and accessories out of your room, and just keep a few larger, simpler pieces. It declutters the room, and helps to put the focus on the freshness of a room. Consider picking up a white lattice from the garden center, and hang it on the wall as a focal point. Place a potted plant in front of it, or hang small framed garden catalog prints from it. Let it be a reminder of the outdoors all season long!

9.Use a stencil or a stamp to add floral and nature motifs to your room for very little money. Stencil vines around windows and doors, hand paint seasonal sayings over doorways with a paint pen, or stamp a floral bouquet on the front of cupboard doors. You can always paint over those small areas with touch up paint in the fall. (Or you might love them so much, they stay year round!)

10.Finally, don’t forget your entry area when you are creating that spring glow all around your home. Remember, your entries are a visitors first impression of your home! Add a pot of pansies on the porch, paint your entry a fresh spring color, and hang a handmade wreath or a basket of flowers on the front door.

All these ideas take very little time, little or no money, and do wonders for your spirit and the spirit of those who you love. Take a little time to brighten your lives!

via Brighten Your Home For Spring With The Following 10 Tips.

**Wedding Protection Insurance**

IN SICKNESS AND IN HEALTH (AMONG OTHER THINGS), PAUL FISHER INSURANCE SERVICES OFFERS WEDDING INSURANCE FROM TRAVELERS

No-deductible policy covers cancellation or postponement caused by severe weather, lost deposits, military deployment, and more

More than 3,000 weddings take place every day in the U.S., with the average cost now reaching $27,000 each.* Recognizing that the “big day” comes with a mighty financial commitment, Paul Fisher Insurance Services and Travelers recently announced the launch of the Wedding Protector PlanSM, an insurance policy covering weddings.
“A wedding is one of the first large investments a couple will make, both emotionally and financially,” said Paul, owner of Paul Fisher Insurance Services. “Because there are so many moving parts, there are many opportunities for something to go wrong. It is important to protect such an investment.”
The Wedding Protector Plan provides coverage, with no deductible, for a variety of unfortunate occurrences associated with a wedding event. For example, coverage is provided if a hurricane causes the necessary and unavoidable cancellation or postponement of the event. Other coverages include postponement for withdrawal of military leave, forfeited and lost deposits, extra expenses associated with special attire, transportation, photographs, and entertainment expenses.
“A lot of time and money goes into planning your wedding,” said Paul. “ Paul Fisher Insurance Services wants to ensure that the wedding stays within your budget even if the unexpected happens.”
The top wedding claims and problems typically include damage to wedding attire, mishaps with event photography, cancellation due to illness or bereavement, and no-shows by contracted vendors.**
For more information on the Wedding Protector Plan from Travelers, visit www.AgentProtectMyWedding.com, which offers a Risk Quiz to help consumers determine how much risk surrounds their wedding, plus examples of coverages provided. The Web site also offers an e-newsletter for newlyweds, which covers topics from lifestyle to money management tips, designed to help couples become in-synch with their lives as one.
As long as the wedding is more than 14 days away, it’s not too late. The Wedding Protector Plan can cover events in the United States, Puerto Rico, Canada, the United Kingdom, Mexico, Bermuda, Bahamas, Turks and Caicos, the Caribbean Islands (excluding Cuba and Haiti) and cruise ships leaving from a port within those territories (some restrictions apply).
For more information on how to protect a wedding, contact Paul Fisher Insurance Services or visit www.AgentProtectMyWedding.com.

Established in 1983, Paul Fisher Insurance Services is an independent insurance agency offering a full range of insurance products including Auto, Life, Home, Business Owners, Equipment Leasing, and more.
For information and quotes on insurance coverage, please visit
Paul Fisher Insurance Services at 3967 William Penn Highway Suite 3, Murrysville, PA 15668 or call (724)519-7503.

About Travelers
Travelers understands that life and business are inherently dynamic and that the best way to serve agents and policyholders is to deliver insurance that evolves to stay in-synch with life and business as they change. For more information on being in-synch, visit www.travelers.com.
The Travelers Companies, Inc. (NYSE: TRV) is a leading property casualty insurer selling primarily through independent agents and brokers. The company’s diverse business lines offer its global customers a wide range of coverage in both the personal and commercial settings, including automobile, homeowners, construction, small business, oil and gas, ocean marine, surety and management liability, global technology and public sector services. Travelers is a Fortune 100 company, with 2007 revenues of $26 billion and total assets of $115 billion. The company has approximately 33,000 employees.
###

* Conde Nast Bridal Media – American Wedding Study, 2006
** MSN.com (UK)

Electric Boat Discount!

Paul Fisher Insurance Services Now Offers Electric Boat Discount from Travelers Electric Boat Owners can Save up to 10 Percent* on Boat Insurance Policies from Travelers

Paul Fisher Insurance Services and Travelers are pleased to offer a first in the industry electric boat insurance premium discount* of 10 percent for those owing electrically powered boats. Whether boaters are interested in a quieter boating experience, or if they are seeking environmentally friendly boating solutions that help save money on annual fuel costs, electric boats can provide the right alternative for this segment of boaters. As a result, the number of electric boat manufacturers has grown and there continues to be a demand for electric boats in the current economy.
“Boaters who prefer a quiet boating have always considered electric boats and with the rising cost of marine fuel and a growing focus on the environment there is no doubt that more boaters will look to this option,” said Paul, owner Paul Fisher Insurance Services. “As habits are changing and more people are using electric boats, Paul Fisher Insurance and Travelers are ready to offer the innovative insurance solution that fits the evolving lifestyle of our customers.”
Travelers defines an electric boat as a vessel 100 percent powered by a propeller driven, electric in-board source where utility power is stored on board. These vessels are found to require less maintenance and breakdown less often than a typical gasoline or diesel powered boat simply because the motors are less complex. Most electric boats have a top speed of between five and nine knots or about six to 10 miles per hour which makes them suitable for leisurely cruising.
“Because Travelers has a staff of marine experts that fully understand the operation and functionality of electric boats, Paul Fisher Insurance Services will be able to work with them to quickly get an electric boat back in the water, in the unfortunate event that a customer would have to file a claim,” said Paul.
Most electric boats cost between $1 to $2 to fully charge for 10 or 12 hours of cruising time, meaning they cost approximately $.10 to $.12 per hour to operate. This significantly differs from conventional gasoline fueled boats which the industry estimates use about one gallon of fuel per hour for every 10 horsepower while diesel engines consume about one gallon of fuel per hour for every 18 horsepower. Therefore, it would cost about $50 to run a 10 horsepower gasoline motor or an 18 horsepower diesel motor for 10 hours**.
Recently, Travelers analyzed the fuel costs at 13 marinas around the country. This data uncovered the fact that marine fuel costs $.78 per gallon more than the national average for automobile gasoline and $.42 per gallon more than the national average for diesel fuel.
A number of states are designating certain waterways as electric only navigation. This phenomenon has been a trend in Europe and is now catching on around the United States. Electric only waterways help to keep the environment clean and create a quieter atmosphere for boaters looking to cruise and enjoy the outdoors. Additionally, electric boats are often utilized in speed restricted waterways that require boats to be operated without a wake.

For more information contact Paul Fisher Insurance Services or visit www.travelers.com.

Established in 1983, Paul Fisher Insurance Services is an independent insurance agency offering a full range of insurance products including Auto, Life, Home, Business Owners, Equipment Leasing, and more.
For information and quotes on insurance coverage, please visit
Paul Fisher Insurance Services at 3967 William Penn Highway Suite 3, Murrysville, PA 15668 or call (724)519-7503.

About Travelers
Travelers understands that life and business are inherently dynamic and that the best way to serve agents, brokers and policyholders is to deliver insurance that evolves to stay in-synch with life and business as they change. For more information on being in-synch, visit www.travelers.com.
The Travelers Companies, Inc. (NYSE: TRV) is a leading property casualty insurance company selling primarily through independent agents and brokers. The company’s diverse business lines offer its global customers a wide range of insurance coverage in both the personal and commercial settings, including auto, boat, homeowners, construction, small business, oil and gas, ocean marine, surety and management liability, global technology and public sector services. Travelers is a Fortune 100 company, with 2007 revenues of approximately $26 billion. The company has more than 33,000 employees.

*A discount of up to 10% applies only to certain coverages. The discount may not be available in all states and is subject to individual eligibility.

**www.boatsafe.com/nauticalknowhow/fuel

First Hybrid Boat & Yacht Insurance Discount from Travelers

Paul Fisher Insurance Services Now Offers First Hybrid Boat & Yacht Insurance Discount from Travelers
Innovative boats need innovative insurance – Paul Fisher Insurance Services offers up to 10 percent discount* for hybrid vessels through Travelers

Paul Fisher Insurance Services and Travelers (NYSE: TRV) are staying in-synch with boaters by today announcing an innovative, industry-first discount of up to 10 percent on hybrid boat and yacht insurance. Now, more than ever, boaters are looking for ways to improve fuel economy and reduce their impact on the environment without sacrificing speed. As a result, hybrid powered boats are starting to enter the market.
The marine industry has responded to consumer demands for efficiency with new technology and hybrid powerboats fully capable of delivering the performance most boaters expect. Hybrid boats allow the operator to utilize electric propulsion at low speeds to minimize or eliminate emissions and fuel consumption. However, hybrid powered boats can generate the horsepower needed to reach higher speeds with the internal combustion engine.
“The marine industry has delivered hybrid powered vessels that use the latest, state-of-the-art technology while reducing fuel consumption,” said Paul, owner for Paul Fisher Insurance Services. “Paul Fisher Insurance and Travelers, closely follow the newest developments in boating to meet our customers needs with the best marine insurance products and services.”
Recently, various highly regarded manufacturers in the marine industry have introduced their versions of hybrid boats to the marketplace. The Hinckley Company offers a hybrid power option for customers interested in its DS42 model, Scout Boats launched a hybrid model in late 2007, Frauscher Bootswerft introduced its hybrid to the United States in May 2008 and the Island Pilot DSe Hybrid will make its debut at the 2008 Fort Lauderdale Boat Show. Steyr Motors, which powers the Frauscher vessels, markets its hybrid engine as the “world’s first serial hybrid propulsion system for pleasure boats.” In addition, other large production manufacturers are reportedly researching hybrid propulsion and developing prototypes to include in their lineup of boats.
“Travelers solid understanding of the functionality and operation of hybrid boats enables our agency to best serve our customers,” said Paul. “Travelers completed extensive research that suggests boat manufacturers will begin offering hybrid models to provide a hybrid option similar to what’s taking place in the automotive industry.”
A hybrid boat is specifically designed to reduce greenhouse gas emissions and to conserve fossil fuels in comparison to the typical gasoline or diesel only powered boats. Travelers defines a hybrid boat as one that utilizes an integrated propulsion system that incorporates both an internal combustion engine and an electric motor in its original design. In this system, forward propulsion can be accomplished with the use of the electric motor with or without the use of the internal combustion engine.
Travelers continuously seeks ways to enhance existing products and develop new insurance solutions and services to address the impacts of changing climate and encourage environmentally friendly behavior. Travelers was the first insurance company to deliver a national hybrid auto insurance discount, as well as the first to deliver an insurance discount to electric boat owners. The company also provides business insurance products for environmentally focused commercial customers.
For more information contact [NAME OF AGENCY] or visit www.travelers.com.
Established in 1983, Paul Fisher Insurance Services is an independent insurance agency offering a full range of insurance products including Auto, Life, Home, Business Owners, Equipment Leasing, and more.
For information and quotes on insurance coverage, please visit
Paul Fisher Insurance Services at 3967 William Penn Highway Suite 3, Murrysville, PA 15668 or call (724)519-7503.

About Travelers
The Travelers Companies, Inc. (NYSE: TRV) is a leading property casualty insurer selling primarily through independent agents and brokers. Travelers understands that life and business are inherently dynamic and that the best way to serve customers is to deliver insurance in-synch with evolving risks. The company’s diverse business lines offer its global customers a wide range of coverage in the auto, home and business settings. Travelers is a Fortune 100 company, with 2007 revenues of approximately $26 billion. The company has more than 33,000 employees. For more information on being in-synch, visit www.travelers.com.

*A discount of up to 10% applies only to certain coverages. The discount may not be available in all states and is subject to individual eligibility.

Boat Tips for Spring/Summer 2011

Paul Fisher Insurance Services advises boaters to take necessary precautions to be safe during the summer season, the time of year when boat accident claims increase in frequency by 45 percent, according to a recent analysis of claims incidence at Travelers, a leading provider of boat and yacht insurance.
“Substantially more people are on the water during the summer, so that is the time boaters should be extra careful to protect their family, friends and watercraft from a loss,” said Paul Fisher of Paul Fisher Insurance Services. “It’s also a good time to review your boat and yacht insurance with an independent agent to be sure you have adequate coverage.”
Paul Fisher Insurance Services recommends the following boat safety tips:
• Wear a life jacket: 80 percent of drowning victims were not wearing a PFD (Personal Flotation Device) or life jacket. Most states require that children under a certain age wear a life jacket and that every boat be equipped with one life jacket per passenger.
• Take a boating course: Even if your state does not mandate the completion of a boating course prior to obtaining your boating license, both you and your passengers will benefit from a formalized course. To learn more about boating safety classes, visit www.cgaux.org/cgauxweb/classes/master.shtml.
• Schedule a vessel safety check: The Coast Guard auxiliary offers free safety checks. For more information, visit www.vesselsafetycheck.org/getvsc or call 1-800-368-5647.
• Equip your boat with an emergency kit and be familiar with how to use each of the items. Travelers recommends including the following: fire extinguisher, first aid kit, visual distress signal and/or a Coast Guard-approved throwable PFD, such as a life ring or a horseshoe. Organize an emergency plan and make sure that passengers are familiar with it. Remember to test equipment and be knowledgeable of the suggested guidelines for usage and replacement.
• Be prepared for the weather: Check the weather forecast before going on the water and be equipped for changes.
• Know where you are: The Coast Guard recommends having charts, a GPS (Global Positioning System) and a reliable means of communication on board.
• Know how to contact the Coast Guard: Marine radio is the preferred method to communicate on the water because it broadcasts to other boaters in the vicinity. If using a cell phone on the water, test it for a maritime emergency by dialing *CG (*24). There is no charge or penalty for calling to test the signal.
• Do not drink and drive: According to the Coast Guard, a boat operator with a blood alcohol level of .10 percent is 10 times more likely to be killed in a boating accident than a boat operator with a blood alcohol level of zero. Operating a boat while drinking is illegal in several states. Remember that the effects of alcohol are exacerbated when combined with sun exposure and being on the water.
Established in 1983, Paul Fisher Insurance Services is an independent insurance agency offering a full range of insurance products including Auto, Life, Home, Business Owners, Equipment Leasing, and more.
For information and quotes on insurance coverage, please visit
Paul Fisher Insurance Services at 3967 William Penn Highway Suite 3, Murrysville, PA 15668 or call (724)519-7503.

About Travelers
Travelers understands that life and business are inherently dynamic and that the best way to serve agents and policyholders is to deliver insurance that evolves to stay in-synch with life and business as they change. For more information on being in-synch, visit www.travelers.com.
The Travelers Companies, Inc. (NYSE: TRV) is a leading property casualty insurer selling primarily through independent agents and brokers. The company’s diverse business lines offer its global customers a wide range of coverage in both the personal and commercial settings, including automobile, homeowners, construction, small business, oil and gas, ocean marine, surety and management liability, global technology and public sector services. Travelers is a Fortune 100 company, with 2007 revenues of $26 billion and total assets of $115 billion. The company has approximately 33,000 employees.

Spring Maintenance Tips to Protect Your Home

A home is one of life’s most important investments. Keeping it properly maintained can help reduce the risk of a loss and help ensure the safety and well being of friends and family. Just in time for spring, Paul Fisher Insurance Services and Travelers, a leading provider of auto and homeowners insurance, offer these maintenance tips to prepare your home for warmer weather and to keep it safe year-round:

• Inspect your smoke detectors. Make sure that there is one on each floor of your home. Test them and change the batteries at least every six months, when you change your clocks.
• Check the light bulbs in all your fixtures to be sure that they are the correct wattage as recommended by the manufacturer.
• Replace lamps that use high-producing bulbs (such as halogen) with those that use fluorescent bulbs and operate at much cooler temperatures.
• Check your electrical outlets for potential fire hazards such as frayed wires or loose-fitting plugs. Be sure not to overload electrical outlets, fuse boxes, extension cords or any other power service.
• Keep a multi-purpose fire extinguisher accessible that is filled and ready for operation.
• Have your air conditioning system inspected by a professional as recommended by the manufacturer.
• Check for damage to your roof, and clean gutters and downspouts to keep debris from accumulating.
• Check your water heater for leaks and corrosion, and keep surrounding area clear.
• Clean and/or replace your furnace filter.
• Clean the clothes dryer exhaust duct and space under the dryer. Remove all lint, dust, and pieces of material or cloth.
• Inspect washing machine hoses and replace hoses that show signs of wear or leakage with stronger reinforced hoses. Turn off the water when not in use to prevent water damage if a hose breaks.
• In your yard, remove all dead trees and keep healthy trees and bushes trimmed and away from utility wires. Do not attempt to remove tree limbs from power lines yourself. Instead, call your power company to request assistance.
• Safely store oil and gas for lawn equipment and tools in a vented, secured area.
• Repair driveway and walkways that are cracked, broken or uneven to provide a level walking surface.

Established in 1983, Paul Fisher Insurance Services is an independent insurance agency offering a full range of insurance products including Auto, Home, Life, Equipment Leasing, Business Owners Insurance, Wedding Protection, Special Occasion Protection, and much more!

For information and quotes on insurance coverage, please visit
Paul Fisher Insurance Services at 3967 William Penn Highway Suite 3, Murrysville, PA 15668 or call (724)519-7503.

About Travelers
Travelers understands that life and business are inherently dynamic and that the best way to serve agents and policyholders is to deliver insurance that evolves to stay in-synch with life and business as they change. For more information on being in-synch, visit www.travelers.com.
The Travelers Companies, Inc. (NYSE: TRV) is a leading property casualty insurer selling primarily through independent agents and brokers. The company’s diverse business lines offer its global customers a wide range of coverage in both the personal and commercial settings, including automobile, homeowners, construction, small business, oil and gas, ocean marine, surety and management liability, global technology and public sector services. Travelers is a Fortune 100 company, with 2007 revenues of $26 billion and total assets of $115 billion. The company has approximately 33,000 employees.

Wedding Insurance: What Does It Entail?

The average wedding is now estimated to cost over $21,000 and, with so much at stake, it’s crucial to make sure that your investment is protected. After all, while you might not want to consider the possibility of something going wrong, there’s always the chance that a sudden accident, illness or – in the worst cases – bereavement might force you to cancel or postpone your celebrations. With a comprehensive wedding insurance policy in place, you may be able to recoup these costs. Before you purchase wedding insurance, however, it’s important to make sure you know what’s covered and how much of it applies to your situation.

Most standard wedding insurance policies will cover cancellation and rearrangement of your wedding or reception, as well as any damage that many occur to the wedding dress or the groom’s attire. In addition, many policies will provide protection for photos needing to be retaken, non-appearance by the caterer and loss of wedding rings – all common problems that have the potential to destroy your big day. Better still, if your gift list includes high value items – such as crystal ornaments, expensive cookware or an LCD television – it’s prudent to ensure that your wedding insurance offers sufficient protection for your wedding presents.

At the same time, you should be aware of what your wedding insurance policy does not provide for. For example, while you may receive cover for cancellation of your wedding due to an accident, illness or bereavement, you probably won’t be protected if you and your partner simply decide you no longer want to get married. It’s also unlikely that you’ll receive cover for damage caused to your wedding cake by vermin, marquee damage during erection or dismantling, or theft from unattended wedding vehicles.

If you’re planning a modest celebration with a small outlay, you may not think you need wedding insurance. However, most wedding insurers offer varying levels of cover from which you can choose – so smaller weddings can opt for lower tiers and large bashes have the choice of more protection.

In the long term, paying for wedding insurance is likely to be a sound investment. For instance, if you should have to postpone your wedding and you lose the deposit on your venue, you’ll be able to claim this cost back on your policy, for which you’ve paid just a fraction of that amount. And with this financial safety net in place, you’ll enjoy some valuable peace of mind in the run-up to your magical celebration.

Andrew Regan writes for a digital marketing agency. This article has been commissioned by a client of said agency. This article is not designed to promote, but should be considered professional content.

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Wedding Insurance Covers Couples against Losses

Wedding insurance policies are designed to grant financial protection especially for those who are planning their wedding against losses resulting from unforeseen circumstances. This form of insurance covers damage related with your wedding attire or photographs, expenses from last minute bookings and loss of gifts. Most of policies also cover losses due to cancellation or postponement of the wedding on account of bad weather, illness, military deployment, sudden death or acts of terrorism.

Expenses over weddings are generally spending on invites, food, catering, florists, musicians and other services providers. People have to face a great loss of money because of any delay or cancellation but this loss can be recovered by accepting of wedding insurance.

From the starting day of your wedding preparation, you should take the benefit of wedding insurance. Insurance companies have some limits in which they decide that how early one can purchase a wedding insurance policy. This policy covers losses resulting due to:

 The cost of the wedding getting canceled in case the ceremony and reception site is shut down, damaged or become unreachable is covered by the insurance policy. The site could become unreachable if the way is barren by an ice storm.

 The cancellation of the ceremony due to bad weather which prevent the bride, bridegroom or key relatives from the reaching the wedding premises can be solved by the policy covers.

 If in case the bride, bridegroom or key relatives get injured or fall sick, the policy provide a cover for the cancellation or postponement of the ceremony.

 Insurance company pays for the losses due to a wedding has to be postponed because of a last minute call for military duty. The policy also covers losses linked to the postponement of the wedding due to either the bride or the groom having to transfer due to a rapid corporate move.

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