You should review your homeowners policy annually because your mortgage company only needs enough money to pay off your loan. As you know, the value of your home will fluctuate but your mortgage balance decreases annually. Therefore the insurance on your home may not be enough to cover the amount to totally rebuild your home in the event that a catastraphe strikes. Call your insurance professional to review your policy. A replacement cost estimate should be performed so that you can be sure yourhome is insured to cover its full replacement cost. Your mortgage company will recover their investment in the event of a loss. Are you sure that your insurance is enough to rebuild your home?
OCall us to review your policy and provide you with a quote that will cover you in case of a total loss. Isn't your home your most important assett, why not protect it for it's full replacement cost. Remember your bank isn't concerned about replacing your home or where your family will live until the house isrepaired or rebuilt.
It is my responsibility as your independent insurance broker. We look forward to helping you protect your family and all your assetts!
Friday, November 5, 2010
If You Own A Business In New York, You Are Probably Required To Carry Workers Compensation
Business owners I can attest to one thing for sure through our accounting and insurance clientele, if you are required to carry workers compensation and an inspector comes in to your store to verify you have an inforce policy, and do not, you will be fined! These fines carry the potential for large penalties compared to having an in force workers compensation policy.
If you do not have workers compensation you can call us to secure a quote for your business.We can help you with your workers compensation, D.B.L. and all of your other business insurance needs that may arise.
If you do not have workers compensation you can call us to secure a quote for your business.We can help you with your workers compensation, D.B.L. and all of your other business insurance needs that may arise.
Nows The Time For Business Owners To Review All Their Insurance Policies
Now is the time to shop your insurance policies if you own a business. I know things are tough in this economy and business owners don't want to pay an additional invoice. However, This is a great time to see if you currently have the best policy coverage and premium available in todays market. The carriers are also feeling the crunch and as an independent insurance agency I have been saving business owners lots of money on their current coverages. Isn't it worth paying the initial deposit to save on your current premium? If your like my clients then you would agree! We even have had clients where in addition to enhancing the coverages on their current policies we have reduced premium. We understand your question might be that you are concerned about the carriers that we use, but each and every carrier is A rated or better.
We are licensed in New York, New Jersey, Connecticut, Florida, Pennsylvania and South Carolina. Why should you let MJF be your Independent Insurance Agency? Because we value the relationship! We will continue to remarket your policy every year upon renewal to ensure you have the best policy in force for your business needs. Since we represent you our goal is to make sure you are happy with our service and have the best policy we can offer. In addition, we offer another great opportunity available to you as a commercial insured with M.J.F. We will place your website on our Preffered Partners page. This is to serve as a referral resource for all our clientele and hopefully will encourage the general public to refer to our site as a reference page for their personal and professional needs.
Call us today and we will be glad to discuss any questions that you may have and provide a quote upon request. No premium or type of busieness is too large or difficult for us to write. Don't forget that we e also offer personal lines coverage and employee benefits.Call us or your independent agency today and allow us to do the work for you as we represent multiple carriers as we can secure the best coverage for you!
We are licensed in New York, New Jersey, Connecticut, Florida, Pennsylvania and South Carolina. Why should you let MJF be your Independent Insurance Agency? Because we value the relationship! We will continue to remarket your policy every year upon renewal to ensure you have the best policy in force for your business needs. Since we represent you our goal is to make sure you are happy with our service and have the best policy we can offer. In addition, we offer another great opportunity available to you as a commercial insured with M.J.F. We will place your website on our Preffered Partners page. This is to serve as a referral resource for all our clientele and hopefully will encourage the general public to refer to our site as a reference page for their personal and professional needs.
Call us today and we will be glad to discuss any questions that you may have and provide a quote upon request. No premium or type of busieness is too large or difficult for us to write. Don't forget that we e also offer personal lines coverage and employee benefits.Call us or your independent agency today and allow us to do the work for you as we represent multiple carriers as we can secure the best coverage for you!
Sunday, October 31, 2010
AddThis Social Bookmarking Sharing Button Widget
AddThis Social Bookmarking Sharing Button Widget: "AddThis is a free way to boost traffic back to your site by making it easier for visitors to share your content"
Thursday, October 21, 2010
Wednesday, October 20, 2010
Holloween Tidbits and Facts
As you prepare for trick or treaters, scary costumes and lots of hair raising fun, brush up on your Halloween trivia facts and tibits. Toss a few little known facts out to Halloween party guests. Don’t forget to check out our spooky Halloween greeting cards and Halloween party invitations too.
In the United States, the first citywide celebration was in Anoka Minnesota in 1921.
36 million is the estimated number of potential trick-or-treaters in 2007— children 5 to 13 — across the United States, down 45,000 from 2005. Of course, many other children — older than 13, and younger than 5 — also go trick-or-treating.
More than 93% of children, under the age of 12, will go out trick-or-treating
Orange and black are Halloween colors because orange is associated with the Fall harvest and black is associated with darkness and death.
Bobbing for apples is thought to have originated from the roman harvest festival that honors Pamona, the goddess of fruit trees
Over $1.5 billion is spent on costumes each year and more than $2.5 billion on other Halloween paraphernalia
Halloween is the 2nd most commercially successful holiday, with Christmas being the first.
About 50% of adults dress up for Halloween, while 67% take part in the activities, such as parties, decorating the house and trick-or-treating with their children
86% of Americans decorate their house for Halloween
Over 10% of pet owners dress their pets in Halloween costumes
The first Halloween card was made in the early 1920′s. These days, over 28 million Halloween cards are sent each year. U.S. consumers spend about $50 million on Halloween greetings
Halloween candy sales average about $2 billion annually in the United States and it is the largest candy-purchasing holiday.
90% of parents admit to sneaking goodies from their kids’ Halloween trick-or-treat bags
More than 35 million pounds of candy corn will be produced this year. That equates to nearly 9 billion pieces – enough to circle the moon nearly 4 times if laid end-to-end. (Read more on halloween trivia at www.corsinet.com/braincandy/halloween.html)
Interested in more Halloween Trivia Facts? Take a look at our History of the Jack O’Lantern article.
In the United States, the first citywide celebration was in Anoka Minnesota in 1921.
36 million is the estimated number of potential trick-or-treaters in 2007— children 5 to 13 — across the United States, down 45,000 from 2005. Of course, many other children — older than 13, and younger than 5 — also go trick-or-treating.
More than 93% of children, under the age of 12, will go out trick-or-treating
Orange and black are Halloween colors because orange is associated with the Fall harvest and black is associated with darkness and death.
Bobbing for apples is thought to have originated from the roman harvest festival that honors Pamona, the goddess of fruit trees
Over $1.5 billion is spent on costumes each year and more than $2.5 billion on other Halloween paraphernalia
Halloween is the 2nd most commercially successful holiday, with Christmas being the first.
About 50% of adults dress up for Halloween, while 67% take part in the activities, such as parties, decorating the house and trick-or-treating with their children
86% of Americans decorate their house for Halloween
Over 10% of pet owners dress their pets in Halloween costumes
The first Halloween card was made in the early 1920′s. These days, over 28 million Halloween cards are sent each year. U.S. consumers spend about $50 million on Halloween greetings
Halloween candy sales average about $2 billion annually in the United States and it is the largest candy-purchasing holiday.
90% of parents admit to sneaking goodies from their kids’ Halloween trick-or-treat bags
More than 35 million pounds of candy corn will be produced this year. That equates to nearly 9 billion pieces – enough to circle the moon nearly 4 times if laid end-to-end. (Read more on halloween trivia at www.corsinet.com/braincandy/halloween.html)
Interested in more Halloween Trivia Facts? Take a look at our History of the Jack O’Lantern article.
Tuesday, October 19, 2010
New Preferred Partner Page on MJF Website
As an added feature for insuring your business with MJF, we are placing your business website link on our preferred Partner Page. We feel very strongly about encouraging our business clients and personal insurance clients and want to help our insureds find reputable vendors to perform the work they may need. It is an excellent source of referrals and free promotional advertising just for being our valuable customer!
The first edition of our Preferred Partner Page is currently up for viewing.
http://www.mjfinsuranceagency.com/
The first edition of our Preferred Partner Page is currently up for viewing.
http://www.mjfinsuranceagency.com/
Collector / Antique / Classic Auto Insurance
Looking to insure your classic or antique dream car, MJF can help right now! Your policy is only minutes away.
Click on the Hagerty link in the margin and you can quote and bind your policy right through our blog!
MJF will be your agent opon issue of your policy. We will help you with all your concerns and service needs.
We can write your policy in the following states NY,NJ,PA,CT,FL & SC.
You can also visit our website to locate the same link and explore our other products and request additional information at any time.
Click on the Hagerty link in the margin and you can quote and bind your policy right through our blog!
MJF will be your agent opon issue of your policy. We will help you with all your concerns and service needs.
We can write your policy in the following states NY,NJ,PA,CT,FL & SC.
You can also visit our website to locate the same link and explore our other products and request additional information at any time.
MJF Adds New Carriers in NJ
MJF has added many new carriers in NY and NJ through its new strategic alliance S.I.A.A. No matter what your business insurance need are we can help you secure the best coverage at the best premiums. We can handle all your commercial automobile and trucking insurance too.
This new alliance also allows us to write more personal lines carriers for auto and home in NJ as well.
Our company is poised to stay atop of the changes in the market place and offers many niche products. Please visit our website for a complete overview. Be sure to check out our new promo too.
http://www.mjfinsuranceagency.com/
This new alliance also allows us to write more personal lines carriers for auto and home in NJ as well.
Our company is poised to stay atop of the changes in the market place and offers many niche products. Please visit our website for a complete overview. Be sure to check out our new promo too.
http://www.mjfinsuranceagency.com/
Saturday, September 25, 2010
MJF Purchases New (Additional) Domain Names
Friday September 24, 2010 MJF purchased the following domains:
http://statenislandautoquotes.com/
and
http://NYBUSINESSINSURANCEQUOTES.com/
This will be the first of such purchases so that it will be easier for prospects to locate our agency.
We used Staten Island Auto Quotes but in fact can provide a quote in NY,NJ,CT,FL,PA & SC. Just use the same quote form to submit your request for a quote.
http://statenislandautoquotes.com/
and
http://NYBUSINESSINSURANCEQUOTES.com/
This will be the first of such purchases so that it will be easier for prospects to locate our agency.
We used Staten Island Auto Quotes but in fact can provide a quote in NY,NJ,CT,FL,PA & SC. Just use the same quote form to submit your request for a quote.
Saturday, September 11, 2010
Netspend Prepaid Debit Cards Can Be Issued To Non U.S. Residents With One (1) Of The following
Once you have submitted your information for enrollment for the Prepaid Debit Visa, you will be required to fax over a copy of your Social Security Card or Individual Taxpayer Identification Number (TIN)
If you do not have these documents we would require one of the following NON U.S. Documents in order to process your card:
1) Foreign Passport
2)Matricula Consolar
3)Voter Registration
4) Visa Number
5)Foreign Drivers License
6)Other Foreign Issued Government I.D.
Enrollment can be done through http://www.mjfinsuranceagency.com/
Fax your I.D. document to 866-456-7905 once your application is submitted to complete the process.
If you do not have these documents we would require one of the following NON U.S. Documents in order to process your card:
1) Foreign Passport
2)Matricula Consolar
3)Voter Registration
4) Visa Number
5)Foreign Drivers License
6)Other Foreign Issued Government I.D.
Enrollment can be done through http://www.mjfinsuranceagency.com/
Fax your I.D. document to 866-456-7905 once your application is submitted to complete the process.
Thursday, September 9, 2010
Online C.P.R. Certification & Recertification Courses ENROLL TODAY!
We offer C.P.R. Training online for the medical profession. Classes are certified and your completion certificate will be forwarded directly to you. In addition we offer classes in
First Aid Certification
Bloodborne Pathogen Certification
Pro Home Safety Certification
ACLSCertification
All Valid Nationwide and ONLINE
Visit http://www.mjfonlinecpr.webs.com/ to enroll today!
Must Use Discount Code CPR-1865
Our Insurance Websites
http://www.mjfinsurance.com/
http://www.mjfinsuranceagency.com/
First Aid Certification
Bloodborne Pathogen Certification
Pro Home Safety Certification
ACLSCertification
All Valid Nationwide and ONLINE
Visit http://www.mjfonlinecpr.webs.com/ to enroll today!
Must Use Discount Code CPR-1865
Our Insurance Websites
http://www.mjfinsurance.com/
http://www.mjfinsuranceagency.com/
Wednesday, September 8, 2010
Group Health Insurance For Small Business Owners In NY
MJF offers group health insurance for small business owners through Atlantis Health Plan!
Carriers are raising premiums annually by as much as 20%!
MJF will come to your business location and provide an insurance review of your existing plan.
Then we can provide you with a full assessment and proposal based on your current health insurance needs and budget.
Contact us today for more information !
866-983-8726
http://www.mjfinsuranceagency.com/
mjfinsurance@gmail.com
Carriers are raising premiums annually by as much as 20%!
MJF will come to your business location and provide an insurance review of your existing plan.
Then we can provide you with a full assessment and proposal based on your current health insurance needs and budget.
Contact us today for more information !
866-983-8726
http://www.mjfinsuranceagency.com/
mjfinsurance@gmail.com
Tuesday, September 7, 2010
M.J.F. Hires Russian Speaking C.S.R. (Customer Service Representative)
We are proud to announce that Michael Melamed will be joining the staff of M.J.F. Insurance .Due to the growing Russian community in Staten Island and other areas of N.Y.C., M.J.F. felt that adding a Russian speaking Customer Service Representative would demonstrate that we are eager, willing and capable of adapting to our community.
If you are a Russian speaking citizen and would like an insurance quote please e amil us your name and phone number and Mr. Melamed will return your call.
mjfinsurance@gmail.com or Call 866-983-8726
If you are a Russian speaking citizen and would like an insurance quote please e amil us your name and phone number and Mr. Melamed will return your call.
mjfinsurance@gmail.com or Call 866-983-8726
Monday, August 30, 2010
Some Tips To Consider When Buying A Hotel
Tips To Consider When Buying A Hotel Or Motel
Hotels and motels can be great investments. The travel industry is not going away, and for this reason, there will always be a need for hotels and motels. While the investment in this industry is generally sound, not all hotels and motels are worth investing in. Here are some tips to consider when contemplating the purchase of a hotel or motel.
As with any purchase of real estate, the condition of the structure should be checked, and inspected by a professional. Necessary repairs, as well as the need for updated furnishings, fixtures, equipment, and inventory should be considered. This information will help you in determining the market value of the property. Once the sale is complete, make sure that the owner gives you a separate bill of sale for all furnishings, fixtures, equipment, and inventory, as well as the deed to the property.
Check with the county or state about planned changes and roadway construction. If the property is on a highway, and there are plans to build a loop, the property and business may not be as valuable as you thought it was.
Stay at the hotel as a guest for a week. Try to do this before anyone is aware that you are considering the property. This will give you the opportunity to view the hotel or motel as a guest would.
Avoid discussing price with the owner of the property. It is better to let the broker handle the negotiations with the owner. You should know in advance what the top dollar you are willing to pay for any property is, and disclose this information to the broker from the start.
If the hotel or motel is franchised, read the franchise disclosure. Also, view the franchise agreement that the current owner has with the company, and find out if that agreement will be transferred to you, or if you will have a new agreement with the company. Find out what fees you will be required to pay to the company upon taking over the property.
Check out the current competition, and consider the potential for future competition. Also consider the local reputation of the hotel or motel. If it has a bad reputation, it will be difficult to change the local opinion. A bad reputation drastically lowers the market value of the property.
Look at the financial statements for the past two or three years. Also, check the occupancy rate. Look at room rates and expenses for running the business. Check the room rates at nearby hotels and motels for comparison. Verify all financial information.
It is usual for the buyer to have a 30 day study period, and this is usually set down in the letter of intent or the agreement of sale. Use this period to check things out to your satisfaction. If you are not satisfied, you can back out of the agreement.
Review contracts that the current owner has with suppliers, as well as customer groups. Find out if those contracts will be renewed or valid after you take over the property. Be sure that the contracts will be satisfactory for you as the owner of the property. If there are existing contracts that you may wish to cancel upon purchasing the property, make sure that you will be able to cancel those contracts without being penalized.
Make sure that the hotel or motel is currently in compliance with governmental requirements. Also consider what licenses and permits you will need to get to operate the property, as well as the requirements and costs in obtaining those licenses and permits. Find out what insurance company is currently insuring the property and how much the premiums are. Do your own insurance shopping as well to see if you can get better coverage, or a better rate.
Looking for an insurance quote on a hotel you already own or plan to purchase? MJF can help you secure the coverage you need to protect your investment.
for more information e mail us at mjfinsurance@gmail.com
Hotels and motels can be great investments. The travel industry is not going away, and for this reason, there will always be a need for hotels and motels. While the investment in this industry is generally sound, not all hotels and motels are worth investing in. Here are some tips to consider when contemplating the purchase of a hotel or motel.
As with any purchase of real estate, the condition of the structure should be checked, and inspected by a professional. Necessary repairs, as well as the need for updated furnishings, fixtures, equipment, and inventory should be considered. This information will help you in determining the market value of the property. Once the sale is complete, make sure that the owner gives you a separate bill of sale for all furnishings, fixtures, equipment, and inventory, as well as the deed to the property.
Check with the county or state about planned changes and roadway construction. If the property is on a highway, and there are plans to build a loop, the property and business may not be as valuable as you thought it was.
Stay at the hotel as a guest for a week. Try to do this before anyone is aware that you are considering the property. This will give you the opportunity to view the hotel or motel as a guest would.
Avoid discussing price with the owner of the property. It is better to let the broker handle the negotiations with the owner. You should know in advance what the top dollar you are willing to pay for any property is, and disclose this information to the broker from the start.
If the hotel or motel is franchised, read the franchise disclosure. Also, view the franchise agreement that the current owner has with the company, and find out if that agreement will be transferred to you, or if you will have a new agreement with the company. Find out what fees you will be required to pay to the company upon taking over the property.
Check out the current competition, and consider the potential for future competition. Also consider the local reputation of the hotel or motel. If it has a bad reputation, it will be difficult to change the local opinion. A bad reputation drastically lowers the market value of the property.
Look at the financial statements for the past two or three years. Also, check the occupancy rate. Look at room rates and expenses for running the business. Check the room rates at nearby hotels and motels for comparison. Verify all financial information.
It is usual for the buyer to have a 30 day study period, and this is usually set down in the letter of intent or the agreement of sale. Use this period to check things out to your satisfaction. If you are not satisfied, you can back out of the agreement.
Review contracts that the current owner has with suppliers, as well as customer groups. Find out if those contracts will be renewed or valid after you take over the property. Be sure that the contracts will be satisfactory for you as the owner of the property. If there are existing contracts that you may wish to cancel upon purchasing the property, make sure that you will be able to cancel those contracts without being penalized.
Make sure that the hotel or motel is currently in compliance with governmental requirements. Also consider what licenses and permits you will need to get to operate the property, as well as the requirements and costs in obtaining those licenses and permits. Find out what insurance company is currently insuring the property and how much the premiums are. Do your own insurance shopping as well to see if you can get better coverage, or a better rate.
Looking for an insurance quote on a hotel you already own or plan to purchase? MJF can help you secure the coverage you need to protect your investment.
for more information e mail us at mjfinsurance@gmail.com
Sunday, August 29, 2010
Just Engaged...Where to Start Planning
Just Engaged...Where to Start Planning
This posting will help you, the newly engaged couple to focus and streamline the wedding planning process. Just click on the link above to access the article.
This posting will help you, the newly engaged couple to focus and streamline the wedding planning process. Just click on the link above to access the article.
A Bridal Affair To Remember - September & October 2010 Dates and Locations
Wednesday, 1
6:45 pm The Villa Barone Manor
737 Throgs Nexk Expwy Bronx, NY Order
Tuesday, 21
7:00 pm The Staaten
697 Forest Avenue Staten Island, NY Order
Wednesday, 29
6:45 pm Sirico's Caterers
8023 13th Avenue Brooklyn, NY Order
October 2010
Wednesday, 13
6:45 pm South Shore Country Club
200 Huguenot Ave Staten Island, NY Order
Tuesday, 19
7:00 pm Verdi's Of Westbury
680 Old Country Rd Westbury, NY Order
Tuesday, 26
6:45 pm Ariana's Grand
800 Rahway Avenue Woodbridge, NJ Order
6:45 pm The Villa Barone Manor
737 Throgs Nexk Expwy Bronx, NY Order
Tuesday, 21
7:00 pm The Staaten
697 Forest Avenue Staten Island, NY Order
Wednesday, 29
6:45 pm Sirico's Caterers
8023 13th Avenue Brooklyn, NY Order
October 2010
Wednesday, 13
6:45 pm South Shore Country Club
200 Huguenot Ave Staten Island, NY Order
Tuesday, 19
7:00 pm Verdi's Of Westbury
680 Old Country Rd Westbury, NY Order
Tuesday, 26
6:45 pm Ariana's Grand
800 Rahway Avenue Woodbridge, NJ Order
Family Cruise Nights - Staten Island, NY (Classic Car Showcase Till 9/25/10)
Family Cruise Nites: Classic Car ShowcaseWhen :
08/25/2010 5:30pm 8:30pm - 08/25/2010
Where :
Historic Richmond Town
441 Clarke Ave. Staten Island, NY
Who :
No performers specified
Event Details
Category: OtherEvery Wednesday evening until Sept. 29, the Staten Island Region Antique Automobile Club of America will be on Historic Richmond Town's Center Street so people can get a look at the classic cars from the golden age of the American automobile. Admission is free. Call 718-351-1611 or visit nycgovparks.org for more details.
08/25/2010 5:30pm 8:30pm - 08/25/2010
Where :
Historic Richmond Town
441 Clarke Ave. Staten Island, NY
Who :
No performers specified
Event Details
Category: OtherEvery Wednesday evening until Sept. 29, the Staten Island Region Antique Automobile Club of America will be on Historic Richmond Town's Center Street so people can get a look at the classic cars from the golden age of the American automobile. Admission is free. Call 718-351-1611 or visit nycgovparks.org for more details.
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