The other night I was watching American Idol and as it was coming to an end there was a commercial coming up and Ryan Secreast said that they were saving this last heart felt story for the end. Knowing me, I thought that it was the same typical big time network a marketing. So i was like ok you just said that two commercial breaks ago about the scary looking white guy who wants to be a thug, being drug out by the cops. So I waited to watch this big burley country boy come in and tell his story. Which went about like this: I was young, dumb, and felt invincible! So all in likely I assumed he did something really dumb!! Sounds like me in my youth and in my college days. Yes he did something dumb like robbing a bank with a b.b gun. He went to jail at 15 for four years. WOW!!!
As I listened to him talk, all he wanted to do was have redemption so that his family would look at him in a better light than what he thought they were percieving him as now. At the end of the show you can tell that his family loved him no matter what he did. But he went into the audition room and stood there and sang. When i say he sang, he sang just a few bars, but it was genuine and pure. He sang 'Trouble" by Ray LaMontagne, which at the time immediatley took me back to a conversion three years ago I had with my BFF JILL! No in all seriousness, it was a conversation with my childhood friend who told me to check out this guy named Ray LaMontagne. He said I know your peresonality and your openess for music and he thought that i would like him since I am a huge Dave Matthews and David Gray fan. (As well as Lil Wayne & Young Jezzy) I was blown away by his performance and how it almost me made me choke up. Not becasue I am a wus, but because I love music and great music when it sung from the heart. The guy made it to hollywood round which will mark a new chapter in his life. His persuite of a music career and staying on his path towards redemption.
That song sparked a notion in my mind along with a burning question in my conscience leaving me to ponder what are really doing here? Before you go off on the deep tangent or give me a new philosophical theory to ponder on , this is a really legitimate question in the wake of the state in which the country Haiti is in or the direction America is going with its political soap opera. No I ask myself what am I really doing with my time and money here on earth to better it for the next generation. All I could come up with was absolutely nothing. This is sad to read coming from someone who is very compassionate about people and wanting to see everyone do good for themselves. Don't get me wrong now I do my part and help those that need help, but I feel that each and everyone of us can do a little more. For the New Year, I told myself that I wasn't going to be the old me of the past and try to be a better me for the future and how have I faired so far? Well lets say that there is progress...
Rome wasn't built in a day and neither will my progress reach its pinnacle overnight, but I know that what I hadn't been doing in the past won't be going on anymore. My journey for progress isn't for an award or recognition or even a pat on the back, but for betterment of the society in a whole. I know what its like to be on both ends of the poverty spectrum and both ends has it s ups and downs. Just know that most people only know the wrong end of it....
excuse my typos but i hate homerow!!!
Thursday, January 21, 2010
Sunday, December 27, 2009
Why You Need Insurance in Tennessee!
Financial Responsibility Laws
Every state has a financial responsibility law that requires proof of financial responsibility when a person has been involved in an automobile accident, has been convicted of a serious offense( drunk driving) or failed to pay a judgement from a previous accident. Failure to provide proof of finacial responsibility may result in the loss of license, vehicle registration or both.
Financial responsibility laws require minimum limits of liability. States vary in the limits required, and residents must insure vehicles at limits o lower than those stipulated. An example of a typical requirement is 25/50/15( State of Tennessee) which stands for:
$25,000 coverage available for bodily injury per person per accident
$50,000 coverage available for bodily injury for all persons per accident; and
$15,000 coverage available for property damage to other's property
Assets Exposed in the Event of a Judgement
In Tennessee, you are required by state law to carry 25/50/15 liability coverage amounts for auto insurance. This amount of coverage is the minimum amount that you can carry to be insured by law but most cars today average about $15,000 MSRP price. Meaning? That most accidents usually involve more than one car and if two cars are in an accident, both cars will need to be repaired unless one or both are totalled out. As the paragraph above mention, with minimum limits you have $15,000 for property damage to other's property and if the average car cost $15,000 well you do the math. If you are involved in a two car accident, you don't have enough money to cover it and then you are open to lawsuits and seizures! I dont mean the physical ones either.
In Tennessee, if a judgement has been rendered against you and you dont have the physicall cash on hand to pay for the entire amount then you may subject to levy, lien or seizure. Those assets can be real property, autos, liquid assets, future wages and personal property.
Real Property : Primary residence if value exceeds $5,000. If residenced owned jointly with spouse, at risk if value exceeds $7,500. If owned by someone who is 62 years or old or greater, at risk if value exceeds $12,500
Autos: Personal autos are at risk if value exceeds $4000
Liquid Assets: Cash on hand as well as cash held in a financial institution such as checking accounts, savings accounts, money market funds, and certificates of deposits are at risk for levy or lien or seizure. Investments in stocks, bonds, and mutual funds are at risk for levy or lien or seizure. (Note: Determination as to the possible levy or garnishment of public assistance funds, disibility insurance funds, funds issued frim charity, spousal support, unemployment, child support, veteren's benefits, life insurance proceeds or qualified retirement accounts or pension plans under Section 401(a), 403(a), 403(b), 408 or 408A of the Internal Revenue Code of 1986 may be restricted by the State or Federal Law.)
Future Wages: The lesser of 25% of disposable earnings for a week or the amount of disposable earnings for a week that exceeds 30 times the federal minimum hourly wage may be garnished under court order.
Personal Property: Personal property over the aggregate value of $4000 is subject to execution, seizure or attachment.
As you notice that pretty much anything that you own can be taken from you if you dont have enough money to cover the expenses, so it is imperative that you take a look at your insurance limits and also your needs. Assest protection is the key. We at Farmers, Troy Fleming's Farmers Insurance Group in particular, are into protecting and increasing your assets. We don't want see you or your family suffer any phyisical or financial setback from being under insured and facing an impossible financial deficit to cover. When you think of financial safety and security, think Troy Fleming's Farmers!!!
Call me so that I may help your Family ...865.691.0292
Every state has a financial responsibility law that requires proof of financial responsibility when a person has been involved in an automobile accident, has been convicted of a serious offense( drunk driving) or failed to pay a judgement from a previous accident. Failure to provide proof of finacial responsibility may result in the loss of license, vehicle registration or both.
Financial responsibility laws require minimum limits of liability. States vary in the limits required, and residents must insure vehicles at limits o lower than those stipulated. An example of a typical requirement is 25/50/15( State of Tennessee) which stands for:
$25,000 coverage available for bodily injury per person per accident
$50,000 coverage available for bodily injury for all persons per accident; and
$15,000 coverage available for property damage to other's property
Assets Exposed in the Event of a Judgement
In Tennessee, you are required by state law to carry 25/50/15 liability coverage amounts for auto insurance. This amount of coverage is the minimum amount that you can carry to be insured by law but most cars today average about $15,000 MSRP price. Meaning? That most accidents usually involve more than one car and if two cars are in an accident, both cars will need to be repaired unless one or both are totalled out. As the paragraph above mention, with minimum limits you have $15,000 for property damage to other's property and if the average car cost $15,000 well you do the math. If you are involved in a two car accident, you don't have enough money to cover it and then you are open to lawsuits and seizures! I dont mean the physical ones either.
In Tennessee, if a judgement has been rendered against you and you dont have the physicall cash on hand to pay for the entire amount then you may subject to levy, lien or seizure. Those assets can be real property, autos, liquid assets, future wages and personal property.
Real Property : Primary residence if value exceeds $5,000. If residenced owned jointly with spouse, at risk if value exceeds $7,500. If owned by someone who is 62 years or old or greater, at risk if value exceeds $12,500
Autos: Personal autos are at risk if value exceeds $4000
Liquid Assets: Cash on hand as well as cash held in a financial institution such as checking accounts, savings accounts, money market funds, and certificates of deposits are at risk for levy or lien or seizure. Investments in stocks, bonds, and mutual funds are at risk for levy or lien or seizure. (Note: Determination as to the possible levy or garnishment of public assistance funds, disibility insurance funds, funds issued frim charity, spousal support, unemployment, child support, veteren's benefits, life insurance proceeds or qualified retirement accounts or pension plans under Section 401(a), 403(a), 403(b), 408 or 408A of the Internal Revenue Code of 1986 may be restricted by the State or Federal Law.)
Future Wages: The lesser of 25% of disposable earnings for a week or the amount of disposable earnings for a week that exceeds 30 times the federal minimum hourly wage may be garnished under court order.
Personal Property: Personal property over the aggregate value of $4000 is subject to execution, seizure or attachment.
As you notice that pretty much anything that you own can be taken from you if you dont have enough money to cover the expenses, so it is imperative that you take a look at your insurance limits and also your needs. Assest protection is the key. We at Farmers, Troy Fleming's Farmers Insurance Group in particular, are into protecting and increasing your assets. We don't want see you or your family suffer any phyisical or financial setback from being under insured and facing an impossible financial deficit to cover. When you think of financial safety and security, think Troy Fleming's Farmers!!!
Call me so that I may help your Family ...865.691.0292
Sunday, December 20, 2009
Mobile post
Wanted to invite everyone to my new blog via my blackberry
Sent on the Sprint® Now Network from my BlackBerry®
Sent on the Sprint® Now Network from my BlackBerry®
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