Avoiding Insurance Mistakes: Five Tips

Here is a great video from the Insurance Information Institute about five mistakes to avoid with your personal insurance policies. Our Oxford and Cincinnati, OH insurance offices strongly agree with these items.

Insurance and Your College Kids

Out in front of our Oxford, OH insurance office, it is a busy place. Today 16,000+ Miami University students return to begin a new school year. This annual pilgrimage brings up potential insurance issues pertaining to what parent's personal insurance policies cover or don't cover. Three areas that parents should be aware of:

(1) If your son or daughter is going away to school over 100 miles from home without a car, most companies will rate your Personal Auto Policy for them being married which is a nice discount. Let us know if this discount might apply to your family and your Personal Auto Policy.

(2) Most insurance companies will extend personal property (contents) coverage and personal liability for your son or daughter while they are in college and living in a dormitory. Some, but not all, will also extend coverage if they are living in off campus facilities such as an apartment or other student housing. Please check with us to see if your insurance company provides this extended protection. If not, we should be able to write a Tenant/Homeowner for your student to cover both their personal property and personal liability while they are an undergraduate. If they are in graduate school, they should definitely have their own Tenant/Homeowner Policy.

(3) If you or your children are using a rental truck to take their things back to college, U-Haul, Penske, Hertz and other will offer you coverage on the vehicle (collision damage waiver) and extended liability. While these may be covered by your Personal Auto Policy, not all companies extend the protection, so check with us before renting the vehicle. Whether or not they are covered will depend on the length and Gross Vehicle Weight of the vehicle and several other factors. We may be suggesting you buy the extra protection from the rental company before your trip.

Nokia 5228 Features & Specifications

Nokia 5228,  Nokia 5228 featuring with large 3.2-inch touchscreen display, 2 MP camera, Symbian OS v9.4, support upto 16GB expandable memory etc. Let’s talk about Nokia 5228  features & specifications. This is Nokia 5228  features & specifications :

·         Brand: Nokia

·         Model: 52

·         Type: Mobile phone

·         Display: 3.2-inch resistive touchscreens, 360 x 640 pixel resolution

·         Camera: 2-megapixel fixed focus camera with video recording

·         Accelerometer sensor for UI auto-rotate

·         OS: Symbian OS v9.4 (Series 60 rel. 5)

·         GPRS / EDGE

·         CPU:ARM 11 434 MHz processor

·         Bluetooth v2.0 with A2DP

·         3.5mm audio jack

 
 

·         Memory Internal 70 MB storage, 128 MB RAM

·         Memory Card: Accept microSD card slot with up to 16GB expandable memory

·         7 hours of talk time

·         USB v2.0 microUSB

·         Battery: Standard battery, Li-Ion 1320 mAh (BL-5J)

·         Dimensions:111 x 51.7 x 14.5 mm, 83 cc

·         Weight: 113 grams

Nokia X6 8GB

Do you knew Nokia X6 8GB Specifications? This is Nokia X6 8GB Specifications :

General :

2G Network  : GSM 850 / 900 / 1800 / 1900

3G Network  : HSDPA 900 / 1900 / 2100

Size :

Dimensions : 111 x 51 x 13.8 mm

Weight : 122 g

Display :

Type : TFT capacitive touchscreen, 16M colors

Size  : 360 x 640 pixels, 3.2 inches

- Proximity sensor for auto turn-off
- Accelerometer sensor for auto-rotate
- Scratch-resistant glass surface         

Sound :

Alert types : Vibration; MP3 ringtones

Speakerphone : Yes, with stereo speakers

                          - 3.5 mm audio jack

Memory :

Phonebook : Practically unlimited entries and fields, Photocall

Call records : Detailed, max 30 days

Internal : 8 GB storage, 128 MB RAM

Card slot : No

Data :

GPRS : Class 32

EDGE : Class 32

3G : HSDPA, 3.6 Mbps

WLAN : Wi-Fi 802.11 b/g, UPnP

Bluetooth : Yes, v2.1 with A2DP

Infrared port : No

USB : Yes, v2.0 microUSB

Camera :

Primary : 5 MP, 2592x1944 pixels, Carl Zeiss optics, autofocus, Dual LED flash, video light

Features : Geo-tagging

Video : Yes, VGA@30fps

Secondary : Yes, QCIF@15fps

Features :

OS : Symbian OS v9.4, Series 60 rel. 5

CPU : ARM 11 434 MHz processor

Messaging : SMS, MMS, Email, Push Email, IM

Browser : WAP 2.0/xHTML, HTML, RSS feeds

Radio : Stereo FM radio with RDS

Games : Spore, Asphalt4, DJ Mix Tour + downloadable

Colors : Azure, Black, Amethyst

GPS : Yes, with A-GPS support; Ovi Maps 3.0

Java : Yes, MIDP 2.0

           - WMV/RV/MP4/3GP player
           - MP3/WMA/WAV/RA/AAC/M4A player
           - Organizer
           - Photo/video editor
           - Voice command/dial
           - TV-out
           - Flash Lite 3.0
           - T9

Battery :

Standard battery, Li-Ion 1320 mAh (BL-5J)

Stand-by : Up to 420 h (2G) / Up to 450 h (3G)

Talk time : Up to 11 h 30 min (2G) / Up to 6 h (3G)

Music play : Up to 35 h

Disclaimer.  I can not guarantee that the information on this page is 100% correct

Nokia C2, Dual Sim mobile phone

Nokia C2, do you knew Nokia C2? Nokia C2 is a GSM Dual Sim mobile phone, Nokia C2 offers two active SIM cards functions simultaneously. Nokia C2 mobile phone featuring FM Radio, MicroSD 32GB memory card, Mp3 music player etc. 

Hopefully the above information useful for you, thank you for visiting to my blog, do not forget to frequent visits to my blog.

Nokia C2 Specifications

This is Nokia C2 Dual mobile phone Specifications:

• Brand: Nokia
• Model: C2
• Type: Mobile phone
• Dual Sim (GSM+GSM)
• GPRS/WAP
• Symbian Series 40 OS
• Display: 1.8″ inch (128×160 pixels) Color
• Camera: 0.3 Mgapixel Camera
• Memory Card: Micro-SD cards, support up to 32GB
• Music (MP3) Player
• SMS/MMS
• Stereo FM Radio
• Bluetooth
• Nokia’s Ovi Life Tools
• Nokia Messaging and OVI Mails