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"Where Fillmore County News Comes First"
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How can I lower my Home and Auto Insurance?


Mon, Aug 29th, 2011
Posted in Ask the Expert

One of the best ways is to "package" your policies with the same company. With most companies you can get a multi-policy discount by having the home, auto, umbrella and even life all together. Raising your deductibles is another way. The standards from ten, even twenty years ago of having lower deductibles have changed. By taking on a little more risk by raising the deductible can be quite a cost savings. Make sure you are getting all the credits you deserve. The Good Student Discount and the Defensive Driving Discount on the auto side are discounts that can save some money. On the home side, protection credits for dead bolt locks, fire extinguishers and smoke/fire/co2 alarms. And also, security systems are good ways to save some money. But, the best way is for you to call your agent and review your policy to make sure you are getting the most bang for your buck.

Dennis Overland

PO Box 665, Rushford, MN 55971-0665

Ph: 507-864-2757 • Fax: 507-864-7079

Does Minnesota's new estate tax limit affect my estate plan?

Mon, Aug 29th, 2011
Posted in Ask the Expert

With the Minnesota estate tax exemption for farmers and small business owners changing to align with the federal estate tax exemption, now is an excellent time to review your estate plan to insure that it takes complete advantage of your exemption li ..... 
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Q Is it the right time to refinance?

Mon, Aug 29th, 2011
Posted in Ask the Expert

A Every situation is different! At F & M Bank, we try to look at all the options to make the best decision for the consumer and for the bank. If you are able to noticeably reduce the interest rate or shorten the term of the existing

loan, it ..... 
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Can I have a visitation and viewing if I choose cremation?

Mon, Aug 29th, 2011
Posted in Ask the Expert

The ways that individuals choose to plan their funeral have changed so much in recent years. People often have questions about cremation.  You can choose to have a visitation with a viewing, followed by a traditional funeral service, and then b ..... 
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Q: What do I use, heat or ice?

Mon, Aug 29th, 2011
Posted in Ask the Expert

(A): Many patients have asked me what to do when an injury first occurs. Generally, I tell people to follow the "R.I.C.E." principal:

R = Rest

I = Ice

C = Compress the injured area with an Ace bandage (not too tight!)
..... 
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Let talk about titles.

Mon, Aug 29th, 2011
Posted in Ask the Expert

Many times titles have a notation of "Not actual miles," what does this mean? It can mean many things. If a vehicle's owner dies, that vehicle should be sold TMU (true miles unknown), even though it probably is actual miles. Sometime new instrument c ..... 
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Don't cloth diapers require lots of folding and sharp pins?

Mon, Aug 29th, 2011
Posted in Ask the Expert

If you haven't seen a cloth diaper in the last few years, you might be shocked to see how much they've changed. Today's cloth diapers are made to be comfortable for your baby and easy for you to use with snap or Velcro options.

 While th ..... 
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What is rabies and what can I do to minimize my risk of exposure to it?

Mon, Aug 29th, 2011
Posted in Ask the Expert

Rabies is a virus that is passed between animals via saliva; it is usually spread though bite wounds. Rabies can infect any mammal, including humans; however, the primary source of rabies infection in Fillmore County is skunks. Unfortunately, there i ..... 
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Question - I know what I want to say about my business, why should I look for assistance when designing an ad?

Mon, Aug 29th, 2011
Posted in Ask the Expert



 Answer - Most people have an excellent idea of what they want to show and say in their ads. There have been years of research and results tracking that can help produce the most effective presentation of your message. The who, what, wh ..... 
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