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How much Life Insurance do I need?


Wed, Dec 8th, 2010
Posted in Ask the Expert

The old rule of thumb was 5 to 8 times your annual salary. Now it seems like most of the time you hear 7 to 10 times your annual salary. But the truth is, it really varies. You must determine your family's short term and long term needs, subtract your current resources, and determine the best way to fill in the gap. If this sounds complicated, you can go the easy route and contact your local Agent. They will be happy to go over your particular situation with you.

What happens if I should die when I'm away from home, and my family wants my funeral and burial back in my hometown?

Wed, Dec 8th, 2010
Posted in Ask the Expert

I do get asked this question often, and it does occur on occasion. If a person dies while they are on vacation or away visiting friends or relatives, it is always best to have the family call their hometown funeral home first. By doing this, a family ..... 
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Seasons for vehicles?

Wed, Dec 8th, 2010
Posted in Ask the Expert

Well, winter is just around the corner and time to look for the 4x4. Prices will be high, right? Maybe not. There used to be a time when people looked for certain vehicles as far as the time of the year. Prices, both wholesale and retail, would flex ..... 
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How much extra work is involved in using cloth diapers?

Sun, Oct 31st, 2010
Posted in Ask the Expert

Using modern cloth diapers is very quick and convenient.  Depending on how many diapers you have, plan on two to three extra loads of laundry per week, although these will not likely be full loads as few people have a supply that large. ..... 
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What is a "Buyers' Agent" and why should I have a Buyers' Agent represent me when purchasing a home or real estate?

Sun, Oct 31st, 2010
Posted in Ask the Expert

  A Buyers Agent is a licensed real estate professional that will represent you and will keep your information confidential. An experienced agent is a big advantage as a resource person to gather information about a property and experienc ..... 
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Q: What types of loans are available at F & M Community Bank? Who do we contact?

Sun, Oct 31st, 2010
Posted in Ask the Expert

A We can assist you with most types of consumer and commercial loans. We have the products and services for both business and personal needs.  For Real Estate Loans, including fixed rate mortgages, refinancing and Home Equity Lines of Credit, ..... 
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Why am I being surcharged for a loss, I have "no fault" auto insurance?

Sun, Oct 31st, 2010
Posted in Ask the Expert

The "no fault" part of the coverage deals with the PIP or Personal Injury Protection part of the policy. The PIP covers you, or any passenger for medical or economic loss that is incurred in an accident, no matter who is at fault. This has nothing to ..... 
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I'm buying a new set of tires, should I have them balanced?

Sun, Oct 31st, 2010
Posted in Ask the Expert

Yes. Balancing helps to guarantee a smooth ride at highway speeds, and it helps to maximize tire life. An out-of-balance tire can be very annoying because it produces a shake that increases in intensity the faster you go. The up-and-down shaking of t ..... 
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