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2200 North Loop W Ste 136, Houston, TX 77018
“My dog doesn’t bite” — until it does
Sometimes even good dogs bite, and when they do, you could be sued. If your dog bites someone, don’t panic. It’s important to remain calm so you can take swift and appropriate action:
Remember, if you have Farmers property coverage you can always call HelpPoint® Claim Services by Farmers at
(800) 435-7764 for assistance when you need it most.
Watch the body language
Dogs express their feelings with their bodies just as people do. For instance, a threatening dog may have a wrinkled nose that draws back to reveal its teeth; the hair along the back of its neck may be raised and its ears may lie back; its body may appear tense and the dog may growl or snarl. If your dog is behaving like this, remove him from the scene immediately and confine him. And, always try to avoid any dog displaying any of these signs or acting in a threatening manner.
To Buy or Lease?
f you’re interested in a new car, the question typically arises: Should I lease or buy? As is often the case, it depends on your individual situation. Many people equate leasing with renting but it may be more useful to consider leasing as financing the use of a vehicle whereas buying with a loan finances the purchase of a vehicle.
Your lifestyle, your priorities
As you think about whether to lease or buy a new vehicle, it’s important to make financial comparisons but it’s also important to consider your lifestyle, your objectives and personal priorities — what’s important to you.
If you …
Enjoy driving a new car every three or four years; want lower monthly payments; want a car that is always under warranty; don’t want to trade or sell used cars; don’t care about building equity in your vehicle; have a predictable lifestyle and drive an average number of miles per year1; properly maintain your cars and are willing to pay more over the long haul to get these benefits, then you may want to consider leasing.
On the other hand, if you …
Value long-term cost savings over lower monthly payments; enjoy owning your vehicle and would like to pay it off and be payment-free for a while; don’t mind the unexpected cost of repairs after the warranty has expired; like to customize your vehicle; drive more than the average number of miles per year and don’t mind higher monthly payments, then you may want to consider buying your vehicle.
Caveat: Lack of flexibility
Some consider the inflexibility of the lease agreement a significant drawback of leasing. If you want or need to terminate your agreement before maturity, you will likely pay a significant penalty for early termination. In many cases, the penalty may equal the remainder of payments due under the agreement. So before you enter into a lease make sure your lifestyle and ability-to-pay are predictable and stable. Contact me at 713-688-8669.
Visit http://www.smartmoney.com/calculator/autos/buy-or-lease-a-car-1302833645461 for more information about leasing. When you decide which option you feel is appropriate for your situation, call me. We can sit down and review your coverage and options so you can be sure you have the insurance you want to go with your new ride.
1According to SmartMoney, the average American driver puts about 12,000 miles per year on his or her car. (http://www.smartmoney.com/calculator/autos/buy-or-lease-a-car-1302833645461)
The Case for Leasing
The Case against Leasing
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David Lorms | Insurance Agent |2200 North Loop W Ste 136 | Houston,TX 77018
*Life insurance issued by Farmers New World Life Insurance Company, 3003 77th Ave. SE, Mercer Island WA 98040. Products and features may not be available in all states and may vary by state.
**Securities offered through Farmers Financial Solutions, LLC, 30801 Agoura Rd.
Bldg. 1 Agoura Hills, CA 91301.
FINRA & SIPC.
Property and casualty insurance is offered through Farmers Insurance Exchange, Truck Insurance Exchange, Fire Insurance Exchange
and their subsidiaries and affiliates. A complete listing of the insurers and the states where they are licensed can be found