CALL US: (806) 359 4498 Fax: (806) 359 4499

You guys have cut our health insurance premiums substantially while providing us better coverage. I couldn't have asked for a better deal!
- Mark , Amarillo, TX

I would like to thank you guys for helping me get my auto insured. I now feel protected. Great offering, competitive pricing, excellent service!
- Eddie Foster, Amarillo, TX

David Preston Insurance
5410 S. Bell, Bldg. B,
Ste, 401
Amarillo, TX 79109
Phone: (806) 359 4498
Fax: (806) 359 4499

NEWSLETTER

From
DAVID PRESTON INSURANCE
August 2012

SEPTEMBER IS NATIONAL LIFE INSURANCE MONTH:

Did You Know That 62% of Americans that Own Life Insurance Don't Know What They Have!
30% Have No Life Insurance at all and
80% are Under Insured!
(LIMRA Study)

Why do a Life Insurance Policy Review?

Life changing events:

  • Marriage 
  • Purchase of a new home 
  • Divorce 
  • Birth or adoption of a child 
  • New job or promotion that has resulted in an increased standard of living 
  • Increase in their debt burden 
  • College education concerns 
  • Interest in charitable giving 
  • Ownership of a business 
  • Existing policy is in jeopardy of lapsing due to poor performance in cash value 
  • An inheritance 
  • Interest in planning for retirement 
  • Life insurance is one of those things that you must purchase BEFORE you need it.

Life insurance should be one of the first things a family purchases. Life insurance can provide money for funerals, to pay bills, and to provide income for a family. Don't leave your family unprotected.

A TEXAS HERO:

JOSE FRANCISCO RUIZ was a schoolmaster and senator to the First Congress of the Republic of Texas. He listed himself as having three nationalities. Spanish from 1783 to 1821. Mexican from 1821 to 1836. Tejano from 1836-1840.

RUIZ, JOSÉ FRANCISCO (1783–1840). José Francisco Ruiz, military officer and public official, was born about January 28, 1783, to Juan Manuel Ruiz and María Manuela de la Peña and baptized eight days later in the parish church of San Fernando de Béxar (now San Antonio). It is said that he went to Spain for his final years of schooling. In 1803 he was appointed San Antonio's schoolmaster. The designated site for the school was a house on Military Plaza acquired earlier by Juan Manuel Ruiz and passed on to his son. This same house, suffering from the ravages of time and business encroachment, was removed from its original location in 1943 and carefully reconstructed on the grounds of the Witte Museum, where it is still used for educational purposes.

Ruiz was elected regidor on the San Antonio cabildo or city council in 1805. In 1809 he was elected procurador. Beginning a long military career, he joined the Bexar Provincial Militia on January 14, 1811. He joined the Republican Army at Bexar and served first under José Bernardo Gutiérrez de Laraqv and then José Álvarez de Toledo y Dubois. He took part in the battle of Medina on August 18, 1813, and with the defeat of the revolutionaries and a price on his head, Ruiz was "obliged to emigrate to the United States of the North." When a proclamation of general amnesty was issued on October 10, 1813, to the Mexican insurgents, Francisco Ruiz, Juan Martín de Veramendi, and a few others were excepted. The Ruiz family was on the "List of Insurgents for the Month of March 1814." Ruiz remained in exile until 1822, and spent part of this time with the Indians. In 1821, at the order of Augustín de Iturbideqv, he "occupied himself in making peace with the Indians until he succeeded in getting the hostile tribes of the North, the Comanches and Lipans, to present themselves in peace." In 1822, his long exile ended, Ruiz returned to Texas, where he was appointed to the Mounted Militia. That same year he traveled with a party of Indians to Mexico City, where the Lipans signed a peace treaty ratified in September 1822 by the Mexican government. Ruiz was promoted in 1823 to army captain, unassigned, with the rank of lieutenant colonel. His commission was confirmed on September 23, 1825. On June 22, 1826, he wrote the president of Mexico requesting the command of a post. He was sent to Nacogdoches in December 1826 to help put down the Fredonian Rebellion, and by April 1827 he was in command of a detachment there. In 1828 Ruiz returned to Bexar, where he commanded the Álamo de Parras company (see SECOND FLYING COMPANY OF SAN CARLOS DE PARRAS) and assisted Gen. Manuel de Mier y Terán in his study of the Texas Indians. It was probably during this time that Ruiz wrote his "Report on the Indian Tribes of Texas in 1818," preserved in the Rare Book and Manuscript Library at Yale University. During his years in the military Ruiz gained the trust of the Indians as negotiator. The Shawnees referred to him as "A good man no lie and a friend of the Indians."

With the passage of the Law of April 6, 1830, General Mier instructed Antonio Elozúa, military commandant in Bexar, to dispatch Ruiz with the Alamo de Parras company to establish a military post on the Brazos at the upper crossing of the Bexar-Nacogdoches road. Its primary purpose was to prevent further American colonization from this direction. Ruiz set out on June 25, 1830, with his company and kept a diary of the trip, in which he recorded their arrival at the Brazos on July 13, 1830. They chose a site on August 2 on the west side of the river, in what is now Burleson County, and gave their post the name Fort Tenoxtitlán. Colonel Ruiz encountered many difficulties as commandant of the fort-isolation, hostile Indians, and desertions and other crimes. The post suffered shortages of food, funds, and military personnel. In a letter to his friend Stephen F. Austin on November 26, 1830, Ruiz stated that he was tired of his command and wanted to get out of military service. He longed to obtain land and build a house so he could bring his family from Bexar and settle down as a rancher. On October 16, 1831, he wrote Vice President Anastasio Bustamante asking to be separated from the army because of failing health. He outlined his military career and asked for retirement or a permanent leave. In a letter of November 13 to his friend and superior Elozúa, Ruiz described a debilitating illness that had impaired his hearing and caused his hair to fall out. On August 15, 1832, he received orders to abandon the fort and move his troops back to Bexar. Ruiz received his retirement and military pay from the Mexican government at the end of 1832.

On January 17, 1836, James W. Robinson, lieutenant governor of the provisional government of Texas, appointed him one of five commissioners to treat with the Comanche Indians. When the struggle for Texas independence gained momentum in 1835, Ruiz allied himself with its cause. He traveled to Washington-on-the-Brazos in late February 1836 as a delegate to the Convention of 1836. There he and his nephew José Antonio Navarro signed the Texas Declaration of Independence on March 2, 1836, the only native Texans among the fifty-nine men who affixed their names to this document.

Still away from his home in the service of the republic, Ruiz wrote his son-in-law, Blas María Herrera, on December 27, 1836, from Columbia, Texas. In this letter, still in family possession, he eloquently expressed his affection and longing for his family and his support for the young Republic of Texas. "Under no circumstance," he wrote, "take sides against the Texans . . . for only God will return the territory of Texas to the Mexican government." Ruiz represented the Bexar District as its senator in the First Congress of the Republic of Texas, from October 3, 1836, to September 25, 1837. He was a Catholic. He was married in San Antonio on March 8, 1804, to Josefa Hernández. They had four children, of whom one was Francisco Antonio Ruiz, alcalde of San Antonio during the battle of the Alamo. Besides the property Ruiz owned in and around San Antonio, in 1833 and 1834 he received eleven leagues of land that is now part of Robertson, Brazos, Milam, Burleson, and Karnes counties. Ruiz died in San Antonio, probably on January 19, 1840, and is buried there.

As we look at these Texas Heroes we can observe two things. First, they were educated men of their day. Second, they were men who loved freedom and despised being under the control of dictators.

QUOTES:

"I predict future happiness for Americans if they can prevent the government from wasting the labors of the people under the pretense of taking care of them." Thomas Jefferson

"My reading of history convinces me that most bad government results from too much government." Thomas Jefferson

AUTO INSURANCE:

Many times when I quote auto insurance I am speaking to a person who is looking for the lowest price and often the lowest amounts of coverage. The law requires that we carry liability insurance limits of at least 30/60/25. The 30 stands for personal injury per person. The 60 stands for personal injury per accident. The 25 stands for property damage. With these limits you are protected up to $30,000 per person, $60,000 per accident and $25,000 of property damage (usually to autos).

Often those limits are not adequate and when they are not, the other driver and his insurance company will sue you for the remainder of damages. You should purchase higher limits.

NEW BUSINESS—FOR THE LADIES 

SPICE BOUTIQUE & SALON, 2620 Wolflin Village (next door to the Office Depot). Connie Miler and Leah Dawson are the owners operators. They have a beautiful shop with lots of nice clothing and accessories for you ladies. They have a hair salon as well. Stop by, look around, and get acquainted. You will be glad that you did.

PERILOUS TIMES:

The times we are living in are the most dangerous in my lifetime. I do believe that the last time people lived in such dangerous times was during World War II. Today we are in danger of a nuclear war (with Iran). We are in danger from Al-Qaida and various terrorists. We are in danger of losing freedoms from people within our borders (citizens as well as illegal immigrants). What can we do about it? The best thing we can do is to keep ourselves informed. That means using sources other than NBC,CBS, ABC, and MSNBC. We will have to search for the truth. Then we go vote. Many of our elected officials need to be voted out of office at the first opportunity. We need elected officials who have read and understand the Constitution of the United States and who will adhere to it. The Constitution protects us. It provides the legal foundation for our freedoms. If we ignore it, we are doomed. So, PLEASE inform yourself and do your part to help us all remain free. 

This newsletter brought to you by:
DAVID PRESTON INSURANCE
5410 Bell, Bldg. B, Ste. 401
Amarillo, TX 79109-6222
Ph. 806-359-4498
Fx. 806-359-4499
davidpreston@amaonline.com
VISIT OUR WEBSITE  www.davidprestoninsurance.com 

NEWSLETTER
From
DAVID PRESTON INSURANCE
June 2012

WHY ARE SO MANY CITIZENS OF THE USA SEEMINGLY UNHAPPY WITH THEIR COUNTRY?

Maybe, just maybe, they do not realize how fortunate they are to be citizens. They have more freedom and more prosperity than citizens of any other country in the world. Look what others say.

Over 150 million of the world's adults say they would like to move to the U.S., according to Gallup, making the U.S. the most desired destination for potential migrants. 

About 13% of the world's adults or more than 640 million people say they would like to leave their country permanently. 

In addition to the nearly one in 30 adults worldwide who would like to permanently relocate to the U.S., large numbers are attracted to the United Kingdom, Canada, France, and Saudi Arabia. 

Potential migrants who say they would like to move to the U.S. are most likely to come from populous countries such as China, Nigeria, Mexico, India, Bangladesh, and Brazil.

Gallup finds that potential migrants aspire to move is because they are in search of opportunity. Opportunity could mean the chance to start a new business, to express one's views without fear, or to feel safer. Oh, they want the freedoms that Americans already have.  Maybe the USA is not such a bad place after all.

THOUGHTS ABOUT MEDICAL INSURANCE:

Did you know that to include a doctor visit co-pay in your policy, it will raise the premium about $50.00 per month? You need to evaluate your situation before you ask for this benefit. If you only go to the doctor a couple of times per year it may not be worth paying that cost.

Did you know that asking for a prescription drug card cost extra, also?  Not only that, but when you are already taking $200-$1,000 per month of drugs, the insurance company has to factor that into the monthly cost. They are not going to knowingly charge you $500.00 per month for your policy when they can see that you are going to cost them $1,000 per month. They can't stay in business doing that.

How much of your own medical expenses can you afford to pay?  Can you afford a deductible of $2,000 or $5,000? If you can, design your coverage with that in mind. Use a medical policy for the things that you CAN'T afford such as hospital stays and catastrophic events.

Don't go to the hospital emergency room unless it is a true emergency. I heard a local para-medic say that 30% of all calls that they receive requiring an ambulance are for people who have simply failed to refill a prescription. So that person who can't get their prescription refilled because it is after hours, calls an ambulance to haul him to the ER and they will fill his prescription and send him home. That ambulance ride has a cost of over $1,000 and you can add the ER cost of about $1,000 to that. The person who requested the ambulance just cost the city taxpayers $2,000 because he forgot to fill a $40.00 prescription. We are all paying for that kind of waste.  Nothing is free.

Hopefully, Obamacare will be repealed (it has already added 30% to the cost of insurance).  Then by being smarter about the way we use insurance and demanding the appropriate changes from our legislators, we CAN have lower insurance rates.

HISTORICAL FACTS:

As the founding fathers were hammering out the Constitution of the United States, they called for a vote 60 times.  There was a majority vote to approve the Constitution after the first or second vote.  So why did they continue to vote? They wanted 100% of the delegates to approve the Constitution. So they kept discussing it, debating the issues, and voting until every single delegate approved. There was a reason for this. The founders wanted all 13 colonies (states) to ratify it when they sent it out. The delegates would take it to their respective states for ratification (approval) and the founders did not want the delegates to take it and tell their people that they opposed it.

When the Constitution was sent to the states for approval, our very wise founding fathers sent a message with it that went something like this. "We realize that you may wish to add something that is important to you, so please return the approved Constitution with any amendment that you think we should consider." There were 57 potential amendments submitted at the time of ratification. TEN of those amendments were considered and added to the Constitution. Those first ten amendments are what are known as "The Bill of Rights".

If you haven't read the Bill of Rights recently, perhaps now is a good time to read them. These rights protect YOU and your freedoms against both local and federal intrusions. You are blessed to have these rights. You should be aware of government attempts to take them away—AND GOVERNMENT IS ATTEMPTING TO TAKE THEM FROM YOU.

BEWARE OF SUMMER:

Summer is a time to practice safety and caution.  Do not leave your home or cars unlocked when you are away. Keep valuables locked up and out of sight. This is the best time of year for thieves. They like to cruise around and steal things that are left unprotected. The Amarillo Police Department recently arrested a 19 year old for breaking into cars and burglary. He had been to several homes. He gained entry by breaking out a car window, getting the garage door opener, and gaining entrance to the home. It you have an electronic garage door opener, turn off the power to the door when you go to bed at night.  Lock your stuff up and DO NOT open the door of your home to anyone that you do not know.  Be safe.

EARN a $25.00 GIFT CERTIFICATE TO A NICE RESTAURANT

Notice that I said "Earn", not win. There is no drawing and no contest. It cost me about $100 to acquire a new customer. I spend money on advertising, direct mail, etc to get them. When you refer someone to my office, it saves me that expense, so I share the savings with you. Simply call me or send me the name of someone that you know is shopping or needing insurance for life, home, or auto. If that person becomes a customer, I will send you a $25.00 gift certificate as a reward for your help.  This offer is good forever.

This newsletter is provided for your information by:
David Preston Insurance
5410 S. Bell, Bldg. B, suite 401
Amarillo, TX  79109-6222
Phone 806-359-4498
davidpreston@amaonline.com 
VISIT OUR WEBSITE:  www.davidprestoninsurance.com
 

 NEWSLETTER
From
DAVID PRESTON INSURANCE
April 2012


HOME INSURANCE NEWS:

In February I mentioned that due to wild fires and other weather related disasters, home insurance rates in Texas would be increasing. NOW, I have learned that there is another factor that may increase your rates. Many of the insurance carriers are mandating that homes be insured for at least a certain dollar value per square foot, IF, you have or are adding the replacement cost feature. It does not make any difference what the market value of your home is. Some carriers are requiring that homes of frame construction be insured for at least $80.00 per square foot. Some are requiring that brick veneer homes be insured for a minimum of $115.00 per square foot. Why are they doing this? Because some homeowners are insuring for less, and then when they have a total loss and find that their insurance will not cover the cost of replacement, they file a suit against the agent and company. So, if your agent tells you that you need to increase your coverage, you had better listen to him. I don't like to pay higher premiums or see my customers pay higher premiums than necessary, but I would not like being sued even less. If there is any question in your mind about your coverage, let's meet and talk about it.

HOW TO PRIORITIZE YOUR INSURANCE NEEDS:

There is insurance available for just about anything that you may want to insure. Lloyds of London has insured everything from a woman's beautiful legs to a man's fine cigars. We all must make choices because most of the time it is difficult to rush out and buy all of the insurance that you need. So how do you decide what to insure first? As an agent of more than 30 years, I can guide you. Some insurance coverage is mandatory, so you have to do it first. This includes liability coverage on autos and insurance on your home (if financed). Next, take care of insurance coverage in the order that I lay out next.
1. Life insurance on the bread winner or parents. 2. Medical Insurance on the family. 3. Life insurance on your children. 4. Insurance on valuable property (jewelry, collections, etc). 5. Disability Income Insurance.

Obviously, you will not need all of these things at the same time. But make sure you buy them in the order I have shown. There is a reason for it. Life insurance is first, because their may be others that depend upon you and your paycheck. Health insurance is a must because a bunch of unpaid medical bills can create a debt that you may never get paid off. If you need to review or ask questions, don't hesitate to ask me. It costs you nothing to ask questions and seek solutions. Talking to me is free. Take advantage of that.

AN IMPORTANT TELEPHONE NUMBER:

Write this down somewhere. It is 888-383-1222. This is the number to the National Do Not Call List. Telemarketers are now getting cell phone numbers. People usually purchase a certain number of minutes for their cell phones. You can call this number (must be from the telephone number you wish to put on the list) and stop telemarketers from calling and wasting your minutes.

EARN a $25.00 GIFT CERTIFICATE TO A NICE RESTAURANT

Notice that I said "Earn", not win. There is no drawing and no contest. It cost me about $100 to acquire a new customer. I spend money on advertising, direct mail, etc to get them. When you refer someone to my office, it saves me that expense, so I share the savings with you. Simply call me or send me the name of someone that you know is shopping or needing insurance for life, home, or auto. If that person becomes a customer, I will send you a $25.00 gift certificate as a reward for your help. This offer is good forever.

BE SURE YOU ARE REGISTERED TO VOTE:

After all the waiting, it looks like it's finally time to get ready for elections! May 29 primary elections have been ordered by the San Antonio court that is hearing redistricting challenges. The second filing period (for candidates--lag), currently underway, ends March 9. New voter registration certificates should be mailed April 25. Early voting is scheduled for May 14-25, and run-off elections, if needed, will be July 31. If appeals are filed, the dates could still change, but in the meantime LWV-TX is proceeding with production of its Voters Guide.

Note: Anyone who has moved from one county to another does need to re-register to vote! If you have moved within the same county or changed your name, you should contact your county voter registrar. In Potter County that number is 379-2299. In Randall County the number is 468-5539 or 468-5654. If you have been registered to vote and have not moved, you should receive your new voter registration card soon after they're mailed!

QUOTE:
"I firmly believe that any man's finest hour, the greatest fulfillment of all that he holds dear, is the moment when he has worked his heart out in a good cause and lies exhausted on the field of battle—victorious."
Vince Lombardi

SOMETHING TO MAKE YOU SMILE:

POLICE # 1
While taking a routine vandalism report at an elementary school, I was interrupted by a little girl about 6 years old. Looking up and down at my uniform, she asked, 'Are you a cop? Yes,' I answered and continued writing the report. My mother said if I ever needed help I should ask the police. Is that right?' 'Yes, that's right,' I told her. 'Well, then,' she said as she extended her foot toward me, 'would you please tie my shoe?'

POLICE #2
It was the end of the day when I parked my police van in front of the station. As I gathered my equipment, my K-9 partner, Jake, was barking, and I saw a little boy staring in at me. 'Is that a dog you got back there?' he asked.
'It sure is,' I replied.
Puzzled, the boy looked at me and then towards the back of the van. Finally he said, 'What'd he do?
 

ELDERLY
While working for an organization that delivers lunches to elderly shut-ins, I used to take my 4-year-old daughter on my afternoon rounds. She was unfailingly intrigued by the various appliances of old age, particularly the canes, walkers and wheelchairs. One day I found her staring at a pair of false teeth soaking in a glass. As I braced myself for the inevitable barrage of questions, she merely turned and whispered, 'The tooth fairy will never believe this!'

RANDALL COUNTY, TX:

Francisco Vazquez de Coronado is recognized as the earliest discoverer of Palo Duro Canyon and the first explorer of this region. In the early days of Texas, the northern plains and what is now Randall County was occupied by the Comanche, Kiowa, and Cheyenne Indians. In the 1870s the slaughter of the buffalo and battle of Palo Duro Canyon drove the Plains Indians from the area and opened it up for settlement. Randall County was separated from Bexar County (San Antonio) in 1876 and named for Horace Randal, confederate brigadier general killed at the battle of Jenkin's Ferry, Arkansas, in 1864. A clerical error doubled the "L" in the name. Settlement began in 1876 when Charles Goodnight drove 1,600 head of cattle into Palo Duro Canyon and established his Old Home Ranch.

In 1889 there was an election and Canyon City (Canyon) was elected as the county seat. In 1890 there were 187 residents in the county and by 1900 there were 963. There was much growth between 1900 and 1910 as the county grew to 3,312 residents. West Texas Normal College (now West Texas A&M University) was started in 1910. The railroads brought people and both ranching and farming grew. Today, the county has more than 120,000 residents with most living in Amarillo, TX.

QUOTE:

"I cannot undertake to lay my finger on that article of the Constitution which granted a right to Congress of expending, on objects of benevolence, the money of their constituents." -- James Madison


This newsletter is provided for your information by:
David Preston Insurance
5410 S. Bell, Bldg. B, suite 401
Amarillo, TX 79109-6222
Phone 806-359-4498
davidpreston@amaonline.com  
VISIT OUR WEBSITE www.davidprestoninsurance.com  
 

 NEWSLETTER
From
DAVID PRESTON INSURANCE
February 2012

Hopefully, each of you had a wonderful Christmas and a Happy New Year.  Now the year 2012 is off to a start and my wish for YOU is that 2012 is better than 2011.  For myself, I am going to strive to be a better person.

HOW TO GET AHEAD IN LIFE:

For most of us, when we think of getting ahead, we are thinking of getting ahead financially.  There are many obstacles to getting ahead financially and it is difficult, but I will discuss some ideas.

If you are employed by someone other than yourself, you must prove to your employer that you are worth more money.  You do that by learning to do your job better,  by being more dependable, by being adaptable and willing to do new things, by working harder and longer.  These are things that an employer will notice and reward because that is the kind of employee that every employer is seeking.  If you are already doing these things perhaps, you should just ask your employer in a very nice way "What do I need to do to earn more money?"  Don't be confrontational; just be friendly when you ask.

If you are self-employed, the challenge to earn more money is more difficult.  There are many things in your business that you have to examine.  More money usually means more customers or sales, but sometimes it may mean that you need to reduce expenses.  There is no set answer when you are self-employed.  If you can't figure out something to increase your income, then it may be worth your time to hire someone to examine your operations and give you ideas.

Your money is probably hard to come by.  You have to work for it.  Doesn't it make sense that you should know where the money is spent?  For most families too much money "slips through their fingers".  Using a budget will help you know where you are spending money and it will help you stop spending on unnecessary items.   Do yourself a great big favor and use a budget.  I think the results will please you.

Once, you have more money or income, what do you do with it?   If you spend it all, you will shortly be back in the same situation you were in before you had the money.  You should save some of it.  Can you imagine how nice it would be to have $5,000 in your saving account?  Money that you could spend on anything you wanted.  There is a comfortable and powerful feeling that you will have when you have some "back-up" money.  Money that could be used for a luxury purchase or starting your own business.

MAKE SAVING MONEY A PART OF YOUR PLAN FOR THE NEW YEAR.  Also, read the book "The Millionaire Next Door".

Page 2

FINAL EXPENSE LIFE INSURANCE:

At some point in time we all are going to have to pay for the final expenses of someone we love.  It may be a child, a marital partner, or our parents.  The question is "How will you pay for it?"  Do you have the money in the bank?  Will you go borrow the money?  Do you have a life insurance policy? 

  1. Using SAVED money means that you are using hard earned money upon which you have paid taxes.
  2. Using BORROWED money means that you are using money borrowed plus the interest on the loaned amount.
  3. Using LIFE INSURANCE means that you are using discounted dollars.  They are discounted because the face amount of the insurance is more than the premiums paid.

My agency offers Final Expense Life policies.  These are very affordable and owning them can save you money and financial grief.  Give me a call and I will arrange a time to meet with you and go over the details.  The number is 806-359-4498.
 
DOES EDUCATION PAY-OFF?

You bet it does.  Two young women who worked in my office while completing their educations have recently told me of their accomplishments which were a result of their hard work and determination.  One of them struggled for awhile after getting her degree and had some bad luck, but recently landed a job with a local college.  She is doing well in her new job and the future looks very bright for her.  I was a witness to her hard work and disappointments, but she didn't quit.  The other young lady had set goals, worked toward those goals, never being distracted by the things that usually detract young people.  She completed her education and was immediately hired by a local professional office.  She told me recently what her earnings were for 2011 and they would make anyone smile.  Neither of these young women was from a wealthy family, but both of them are shining examples of what an education, hard work and preparation can do for you.  Prepare yourself for success and don't give up.

HOME INSURANCE RATES

As a result of the Texas wildfires and some other weather related disasters, most insurance carriers operating in Texas lost money in 2011.  As a result, we are seeing home insurance rates increased.  If the rates are increased by small amounts, neither you nor I should be alarmed.  However, I have one carrier that seems to be increasing rates substantially and I will be contacting the customers who are insured with that carrier and trying to save them money by changing carriers.

Page 3

EARN a $25.00 GIFT CERTIFICATE TO A NICE RESTAURANT

Notice that I said "Earn", not win.  There is no drawing and no contest.  It cost me about $100 to acquire a new customer.  I spend money on advertising, direct mail, etc to get them.  When you refer someone to my office, it saves me that expense, so I share the savings with you.  Simply call me or send me the name of someone that you know is shopping or needing insurance for life, home, or auto.  If that person becomes a customer, I will send you a $25.00 gift certificate as a reward for your help.  This offer is good forever.

A VERY SPECIAL LETTER

On July 4, 1776, the Continental Congress of the United States drafted a letter to the King of England.  This letter is called the Declaration of Independence.  You probably know a few of the words used in this letter, but it is very important for every American to read it once in a while to remind himself of the reasons that this country was founded.  In that letter they expressed the freedoms and objectives that they thought each individual was entitled to have and why.  Then they listed their specific grievances against the English government.  They let the king know exactly what the problems were and what the colonists had done to try to get things resolved.  A letter such as this would be considered treason and the punishment would be death.  In the last sentence of the Declaration of Independence, the writers stated,  "we mutually pledge to each other our Lives, our Fortunes, and our sacred Honor."  Then they each signed their names.  What courage that took!!!!!  I think we still have a few people in this country with that kind of integrity and courage, but I don't see that kind of courage in the congress or presidency.  We all need to participate in politics, to learn as much as we can, and to try to elect leaders with this kind of courage and devotion to the country. 

POTTER County History

Potter County is a county located in the U.S. state of Texas. Its seat is Amarillo. Potter County is named for Robert Potter, an early legislator, secretary of the navy for the Republic of Texas, and signer of the Texas Declaration of Independence who was killed in the Regulator-Moderator War

Page 4---Potter County

Settlement of Potter County increased dramatically with the construction of the Fort Worth and Denver City Railway across the Panhandle in 1887. A construction camp grew overnight into a tent and buffalo-hut settlement known as Ragtown. When Oldham County officials ordered an election held on August 30 for the purpose of organizing Potter County, several townsites vied to be county seat. William B. Plemons,qv the first county judge, had a prospective townsite near the head of Amarillo Creek. Two miles southeast was J. T. Berry's townsite of Oneida, in which Plemons soon merged his interest. Frank Lester, backed by Henry Sanborn, dubbed a third site Plains City, while Jesse Jenkins, a Tascosa saloon owner, promoted Ragtown under a new name, Odessa. To attract the support of the cowhands of the LX Ranch, who constituted the majority of the county's qualified voters, Berry promised each of them a business lot and residence lot in his town. The election returns favored Berry's townsite, which was renamed Amarillo. The railroad was completed into the town in October 1887, soon after the elections, and a post office was established there the next month. People from surrounding townsites began to move to the new county seat. The county's first newspaper, the Amarillo Champion, began publication in May 1888, and that same year a school was established in the town. Partly because of the efforts of Henry Sanborn, who had been establishing another townsite east of "Old Town" Amarillo, and partly because of flood dangers, most of the town was moved to a new, higher site by 1890. By that time cattle ranching had become firmly established in the area and dominated Potter County's economy and its culture. Twenty ranches, encompassing more than 511,000 acres, had been established in the county by 1890, and more than 44,000 cattle, but no sheep, were reported in the county that year. By 1900 there were seventy-nine ranches in the county, and the population had increased to 1,820.

So why was the name Oneida changed to Amarillo?  Amarillo is the Spanish word for yellow.  I found one place that said it was because Amarillo was "The Yellow Rose of Texas", but I think that was a guess.  The Yellow Rose of Texas was a Louisiana prostitute who had been in the company of the dictator, Santa Anna, shortly before he was captured.  She was immortalized in a song by that name that became popular in the 1950's when the movie "Giant" was released.  More realistically, the name Amarillo was chosen either for the yellow wildflowers that grew in the area or because of the yellowish soil found along the banks of a nearby creek.


This newsletter is provided for your information by:
David Preston Insurance
5410 S. Bell, Bldg. B, suite 401
Amarillo, TX  79109-6222
Phone 806-359-4498
davidpreston@amaonline.com 
VISIT OUR WEBSITE   www.davidprestoninsurance.com

 

 

NEWSLETTER
From
DAVID PRESTON INSURANCE
October 2011

DO YOU REMEMBER?

Do you remember the story called "A Fairy Tale" that I put in the February 2011 newsletter? I told of a family that had over spent, gotten into debt, and everyone had to make sacrifices to get their financial house back in shape. That is exactly what the United States is starting to go through at this time. If you don't remember it, you can read it at www.davidprestoninsurance.com.

SOMETHING ELSE TO REMEMBER:

SOCIAL SECURITY will cease to exist for many people. IF you are under age 55 at this time, it is very likely that you will never collect a dime of Social Security. If you are UNDER AGE 55 TODAY, you need to start saving for your own retirement. SOCIAL SECURITY is going to be phased out. I can help you start to save for retirement—call me.

Below are comments that were made by a subscriber to a financial newsletter. Unfortunately, many people may be in a similar position soon.

As a 49-year-old, I expect I'll get nothing from the Social Security trust fund," writes a reader confirming our suspicion. "I expect I may soon face the reality of my elderly in-laws moving in with me. I expect that my 19- and 21-year-old, terrific-work-ethic daughters may live with my wife and me for a few more years as they try to develop careers in the midst of a depression. I expect I'll have to live without some toys I've been wanting. I expect I'll be reining in some dreams and will not retire at 65.

"What I'm not going to do is beat my head against the horrific wall of reality whose brick and mortar is the mismanaged, debt-laden legacy that generations of bureaucrats have bequeathed me. It is what it is. Instead, I'll keep out of debt, live as simply as possible, try to assimilate all I can about investing and wealth creation and work on that self-employment business that I've had on the back burner while stocking up on food, gold, silver and ammunition.

I know that with gasoline prices and food prices rising we all have budgets that are being pinched. We must look around and find ways to eliminate unnecessary spending. Saving (even small amounts) should become a priority.

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A DEFINITION TO REMEMBER:

Have you ever wondered about something, thought maybe you had discovered an answer, but were not quite sure you were right? I have. Three years ago, I wrote to both Senator John Cornyn and Senator Kay Bailey Hutchinson and I asked them define two things for me. First was to define treason. Second was to define a domestic enemy. Neither of them answered that letter.

In the oath of office of every police officer, every military person, and most elected officials are words that go like this "I promise to protect and defend the Constitution against all enemies both foreign and domestic." We have a pretty good idea what a foreign enemy is, but what is a domestic enemy? How are these oath takers going to know whom the Constitution should be defended against?

I have wondered about that question a lot because I have thought there were many domestic enemies within the USA. However, you just can't say a person is a domestic enemy because you and he disagree.

I did some research and I found a definition that seems reasonable, well thought out, and one that would be extremely hard to argue against. Below is a very good definition of a "domestic enemy" and how we citizens should deal with them.

DOMESTIC ENEMIES

I believe that there are two basic groups of domestic enemies. The first and most obvious is the group of political opponents within our own government who pursue legislation and programs that are contradictory to the powers and principles embodied in the Constitution. These are the individuals who either refuse to acknowledge the Constitution at all, or speak praises about its importance in public, but in private act in a manner that contradicts its restraint. These enemies are not just those in power, however. Domestic enemies of the Constitution likewise include all those who support political officers who themselves are enemies of the Constitution. Anybody who rallies around such a banner (or plasters the bumper sticker on their car) shows through word (support) and deed (vote) what side of the field they are on. They, too, must be opposed, and exposed for the enemies of the Constitution that they are.

The second and more subtle group of Constitutional enemies is those who adhere to and advocate for a moral standard that rejects natural law, traditional morality, and Judeo-Christian values. Many of the Founders spoke of this situation, one of them being John Adams:

"We have no government armed with power capable of contending with human passions unbridled by morality and religion. Avarice, ambition, revenge, or gallantry, would break the strongest cords of our Constitution as a whale goes through a net. Our Constitution was made only for a moral and religious people. It is wholly inadequate to the government of any other." (John Adams)

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FINANCIAL THOUGHTS:

Now is a dismal time to be invested or investing in the stock market. Bank rates are very low. There just doesn't seem to be many investments that are both safe and have a good return. What should you do? First, if you don't have a bank saving account, start one. Build up an account equal to 3-6 months of your salary. This is your "rainy day" emergency fund. Second, be sure that you have an adequate amount of life insurance (cash value type life insurance is the best). Start your own retirement fund. Next, invest in things that you feel are safe, but have a little more potential for return (annuities, real estate, etc). At some point in the future the conditions will be right to invest again in the stock market and perhaps you will have saved enough money that you can afford to take some risk.

  • Have you ever asked yourself these questions?
    • What the heck is going on in this country?
    • Is this politician lying to me?
    • Who can I believe?

The answers to those questions are not easy to find, so you have to educate yourself a little bit. When you have some basic information and understanding you can determine the answers for yourself. So where do you get the basic information? You don't get it on "Entertainment Tonight" or any of the TV comedians. You don't get it on ABC, CBS, NBC, or MSNBC. You may get a little of it on Fox News, but not everything you will need. You need to read. Start with "The Five Thousand Year Leap", by Cleon Skousen, then read "The Marketing of Evil", by David Kupelian. You will find both books very interesting and they will give you the basis to understand why things are happening in the USA the way that they are.

CARTOON TIME: (click on the link below)
http://nationaljuggernaut.blogspot.com/2009/09/this-cartoon-seemed-far-fetched-in-1948.html

This newsletter is provided for your information by:
David Preston Insurance
5410 S. Bell, Bldg. B, suite 401
Amarillo, TX 79109-6222
Phone 806-359-4498
davidpreston@amaonline.com
VISIT OUR WEBSITE www.davidprestoninsurance.com
 

NEWSLETTER
From
DAVID PRESTON INSURANCE
August 2011

WHAT IS A LIFE INSURANCE POLICY?

A life insurance policy is "the sweetest love letter ever written". When a man or woman buys life insurance on themselves, they are planning on leaving the death proceeds to someone for whom they truly care. They want that life insurance policy to fulfill certain dreams that the person may not have lived to fulfill themselves. It is a message from the grave that says I love you.

September is national life insurance month. Think about your own situation. Do you need to buy or increase the life insurance on yourself, on your spouse, on a child, or on a parent? Is it important for you to leave your family a home that is free and clear of a mortgage? Do you need to provide an income for your family until they can adjust to losing you? Do you need to provide an education for your children? Do you want all of your bills paid at death so that a parent or spouse will not be burdened with them?

If you have any doubts about whether or not you or someone in your household needs life insurance, call me. I can help you figure it out and find a policy within your budget. Life insurance must be purchased before you need it.
The number one cause of failing to reach a person's financial goals is PROCRASTINATION. They put off doing what they know they should do today. Don't be one of those people.

HAVE YOU EVER?

Have your ever known of a person, or read in the newspaper of a person who had died without insurance? I have read many times over the years of such people. Usually, some friend who knows the circumstances starts a fundraising campaign of some sort to help the family out. Many times the best efforts of these friends (lots of work on their part) will only raise $1500 to $2,000. A funeral now runs in excess of $5,000 and more often into the $6,000 to $8,000 range. If the family of the deceased gets $2,000 from the fundraisers, they still owe about $3,000 or more. They could have avoided this debt by purchasing a life insurance policy for $10-$15.00 per month.

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MORE SAFETY TIPS:

Written by a Cop for Our Own Safety

Everyone should take 5 minutes to read this. It may save your life or a loved one's life. In daylight hours, refresh yourself of these things to do in an emergency situation... This is for you, and for you to share with your wife, your children, & everyone you know. After reading these 10 crucial tips, forward them to someone you care about. It never hurts to be careful in this crazy world we live in.

1. Tip from Tae Kwon Do :
The elbow is the strongest point on your body. If you are close enough to use it, do!

2. Learned this from a tourist guide. If a robber asks for your wallet and/or purse, DO NOT HAND IT TO HIM. Toss it away from you.... Chances are that he is more interested in your wallet and/or purse than you, and he will go for the wallet/purse. RUN LIKE MAD IN THE OTHER DIRECTION!

3. If you are ever thrown into the trunk of a car, kick out the back tail lights and stick your arm out the hole and start waving like crazy.. The driver won't see you, but everybody else will. This has saved lives.

4. Women have a tendency to get into their cars after shopping, eating, working, etc., and just sit doing their checkbook, or making a list, etc. (DON'T DO THIS!) The predator will be watching you, and this is the perfect opportunity for him to get in on the passenger side, put a gun to your head, and tell you where to go. AS SOON AS YOU GET INTO YOUR CAR LOCK THE DOORS AND LEAVE.

If someone is in the car with a gun to your head DO NOT DRIVE OFF, Repeat: DO NOT DRIVE OFF! Instead gun the engine and speed into anything, wrecking the car. Your Air Bag will save you. If the person is in the back seat they will get the worst of it. As soon as the car crashes bail out and run. It is better than having them find your body in a remote location.

5. A few notes about getting into your car in a parking lot, or parking garage:
A.) Be aware: look around you, look into your car, at the passenger side floor, and in the back seat.
B.) If you are parked next to a big van, enter your car from the passenger door. Most serial killers attack their victims by pulling them into their vans while the women are attempting to get into their cars.

Page 3

C.) Look at the car parked on the driver's side of your vehicle, and the passenger side. If a male is sitting alone in the seat nearest your car, you may want to walk back into the mall, or work, and get a guard/policeman to walk you back out. IT IS ALWAYS BETTER TO BE SAFE THAN SORRY. (And better paranoid than dead.)

6. ALWAYS take the elevator instead of the stairs. Stairwells are horrible places to be alone and the perfect crime spot. (This is especially true at NIGHT!)

7. If the predator has a gun and you are not under his control, ALWAYS RUN! The predator will only hit you (a running target) 4 in 100 times; and even then, it most likely WILL NOT be a vital organ. RUN, preferably in a zigzag pattern!

8. Women are always trying to be sympathetic: STOP - It may get you raped, or killed. Ted Bundy, the serial killer, was a good-looking, well educated man, who ALWAYS played on the sympathies of unsuspecting women. He walked with a cane, or a limp, and often asked 'for help' into his vehicle or with his vehicle, which is when he abducted his next victim.

9. Another Safety Point: Someone just told me that her friend heard a crying baby on her porch the night before last, and she called the police because it was late and she thought it was weird. The police told her 'Whatever you do, DO NOT open the door.' The lady then said that it sounded like the baby had crawled near a window, and she was worried that it would crawl to the street and get run over. The policeman said, 'We already have a unit on the way, whatever you do, DO NOT open the door.' He told her that they think a serial killer has a baby's cry recorded and uses it to coax women out of their homes thinking that someone dropped off a baby. He said they have not verified it, but have had several calls by women saying that they hear baby's cries outside their doors when they're home alone at night.

10. Water scam! If you wake up in the middle of the night to hear all your taps outside running or what you think is a burst pipe, DO NOT GO OUT TO INVESTIGATE! These people turn on all your outside taps full blast so that you will go out to investigate and then attack.
Stay alert, keep safe, and look out for your neighbors!

One final thought on safety. ALWAYS try to be aware of your surroundings. When you leave a building, pause at the door, look around, and decide if anyone or anything looks suspicious. If it does, get someone to escort you. If you are going to your car, have your keys in hand so that you don't fumble for them in your purse.

Page 4

QUOTE:

"The inherent vice of capitalism is the unequal sharing of the blessings. The inherent blessing of socialism is the equal sharing of misery."
Winston Churchill

DO YOU HAVE A WILL?

A will is a document that tells the court how and to whom you want your property to transfer at your death. All types of problems can occur if you die without a will.

Without a will, real estate transfers to your children (not your spouse). The children could take the home away from their mother. The problem gets even worse if the children are minors (under age).

If you are married, but have no children, your property transfers to your parents if you have no will.

A will costs very little to have drawn up. Usually, the cost is between $100 and $300. However, you can get a membership with Pre-Paid Legal and their lawyers will draw up your will for no additional charge other than your membership fee (about $15.00 mo). Call me if you are interested in Pre-Paid Legal. No matter which way you go, get a will and the peace of mind that comes from knowing that your property will go where you want it to go.

WHAT HAS HAPPENED TO US?

I heard something on the radio recently that caused me to include these comments and ask the above question. (I'll get to it in just a moment.) Most of us marry and remain faithful to our spouses. We support our children and don't complain. We consider that as normal. If we make an investment and it goes bad, who do we blame? Unless we feel we have been cheated, we accept the blame and don't blame others. This is something that we consider as normal, also. Now here comes the report that I heard on the radio.

Page 5

Someone had done a survey of people who were upside down on their mortgages (they owe more than their homes are worth), but they are still able to make their monthly mortgage payment. More than 40% of these people stated that they would consider "walking away" from their mortgages and default on their payments.

In the above paragraph, I am not speaking of people who have had hard times, lost a job, had an illness, etc. I am talking about people who are still able to make their payments. It seems very disturbing to me that these people would even consider defaulting on their loans. Your fathers and grandfathers could do business on a "handshake". Contracts were not needed everywhere. A person's word meant something. Maybe that is why we call those times "the good old days".

This newsletter is provided for your information by:
David Preston Insurance
5410 S. Bell, Bldg. B, suite 401
Amarillo, TX 79109-6222
Phone (806) 359-4498
davidpreston@amaonline.com
VISIT OUR WEBSITE:  www.davidprestoninsurance.com