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Saturday, December 27th, 2014
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Q. Is it possible for a bank to offer us more than $250,000 FDIC deposit coverage?


Fri, Feb 4th, 2011
Posted in Ask the Expert

A. Yes, it is. Your money is insured up to $250,000 in an account at an FDIC participating bank. You may increase the deposit amount by the account titling and ownership. For example, if you have $750,000 invested in an individual account at the bank, under normal FDIC guidelines that money is only insured up to $250,000. However, you can have the whole amount FDIC insured. Here's how... have one account in the husband's name alone for $250,000, have one account in the wife's name alone for $250,000 and an additional joint deposit account for $250,000. Each account will be fully insured for a total of $750,000. You may add a beneficiary to your accounts and increase FDIC coverage by an additional $250,000 for each beneficiary. For more information, stop in at either location or visit www.fdic.gov and search for the EDIE calculator to help determine FDIC coverage limits.

F & M Community Bank

100 St. Anthony Street N., Preston 507 765 3823

229 Main St. N., Chatfield

507 867 1605

Question: How do you get your website to rank at the top of a Google search?

Tue, Dec 28th, 2010
Posted in Ask the Expert

Answer: There are a number of elements involved in the equation of search engine ranking for Google.com, Bing.com, Yahoo.com and any others that will impact your "organic" rank. Our team at SMG Web Design can offer support for Search Engine Optimizat ..... 
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How can I tell if my battery is good or bad?

Tue, Dec 28th, 2010
Posted in Ask the Expert

The condition of the cell plates inside the battery determines whether or not a battery is still serviceable. Current is produced when sulfuric acid in the battery reacts with lead in the cell plates. The sulfate is returned to solution when the alte ..... 
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How can I keep my pet healthy during the holidays?

Tue, Dec 28th, 2010
Posted in Ask the Expert

During the Holidays, our lives are often out of their normal routine. Pets can have a hard time adapting to change, so keep their routine as normal as possible.

 Put away toxic foods. Dark chocolate can be deadly for pets. Other foods t ..... 
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What is a "Gritty Banana Peel"?

Tue, Dec 28th, 2010
Posted in Ask the Expert

A gritty banana peel is one that is aged, brown, and contains dirt, grit, and other filth.

The Gritty Banana Peel Doctrine for lawyers connotes an obligation to protect people on your property. The story goes something like this - if you fall ..... 
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Can I have a visitation and viewing if I choose cremation?

Tue, Dec 28th, 2010
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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At what age does my child have to get their own Health Insurance Policy?

Tue, Dec 28th, 2010
Posted in Ask the Expert

The new Health Care Reform law that was just enacted says that a child may remain on their parent's policy through age 26. The child does not have to be attending school, or even live in the same residence. The child may even be married, but the spou ..... 
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How do people use cloth diapers when traveling?

Tue, Dec 28th, 2010
Posted in Ask the Expert

With the invention of wetbags, traveling with cloth diapers is no longer a challenge. In fact, your friends and relatives might appreciate wet and soiled diapers going home with you instead of being left in their homes.

 Wet bags come in ..... 
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Lease/rental vehicles   Have you been shopping for a vehicle and had a salesperson tell you that the vehicle was a lease or rent?

Tue, Dec 28th, 2010
Posted in Ask the Expert

What's the difference? Sometimes not as much as you think. There are rental cars that are driven by basically one person for a company, just like a lot of lease cars. Rentals are serviced regularly and many now are still under a factory power warrant ..... 
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