How's your retirement plan going???
Saving for retirement in a tax-advantaged account like an IRA may be the smartest tax move that you can make. If you contribute to an existing IRA or start a new one before your tax return due date, including extensions, you may be able to deduct the contribution and lower your taxes.
Not only could your IRA contributions get you a nice tax break – either now or in the future – but tax-deferred compounding could turn your annual contributions into quite a nest egg that may positively impact your life after retirement. The earlier you start, the bigger the effect will be.
The easiest way to stay on target for your investment goals is to automate your IRA contributions. It can be as little as $25 per week; the important part is getting into the habit of saving up for your retirement.
Let’s schedule a complimentary financial review today, please call me at 864-289-9802.
3.0 FALLING TREES, FLYING LIMBS & LOUD NEIGHBORS
3.1 Overview
Disaster damage from the heavy rains, ferociously high winds, and flooding manifests in a
number of ways. Not uncommonly, objects such as furniture or heavy tree limbs go flying, or
trees are uprooted by the storm. This chapter addresses questions regarding those situations in
which high winds, heavy rains, or flooding cause uprooted trees, tree limbs, and other like
objects to damage persons or property.
3.2 Most Common Issues/Questions
• My neighbor’s tree fell into my yard during the disaster. It smashed my fence
and took out my landscaping. Can I make my neighbor pay for the fence repairs
and landscaping?
• What if my neighbor’s tree hits my house?
• No trees came down during the disaster, but I’m sick of picking up limbs out of
my yard from my neighbor’s tree. I’m worried about the next storm; that tree
looks awful. What can I do?
• Can I make my neighbor trim the tree branches that hang onto my property?
• My neighbors are freaking out after the disaster and want to cut down all their
trees. They provide the only shade in my yard. Can I stop my neighbors?
• My neighbors had a lot of trees fall on their property. They keep running a
chainsaw long after I’ve put my kids to bed. Can I stop them?
• The fence between my property and my neighbor’s property is down. Who has
to pay to replace it?
3.3 Summary of the Law
As a general rule, compensation may not be obtained for losses, damage, or harm suffered as a
result of an act of God, which means an occurrence due directly and exclusively to natural
causes without human intervention and which no amount of foresight, pain, or care, reasonably
exercised, could have prevented. This definition includes natural disasters. As one court put it,
“The law imposes no liability for injuries or damages sustained as the result of an act of God.
Nor is one liable for damages caused by the act of God, if such act be the direct or proximate
cause of the injury.” Correll v. City of Spartanburg, 169 S.C. 403, 169 S.E. 84. (SC 1933). There
are however, at least two situations in which that general rule may not come into play.
First, damages suffered by a homeowner or tenant due to high winds or rain may be covered by
an insurance policy. (Damage caused by flooding is covered by a separate flood insurance policy
sold by your insurance agent and overseen by FEMA as part of the National Flood Insurance
Program.) The first question, then, is whether the homeowner or tenant has an insurance policy.
If so, the critical inquiry is whether the policy covers losses due to high winds and rain. A policy
may exclude coverage for any losses from disasters all together or may cover only some types of
losses and not others. Insurance policies are subject to the general rules of contract construction
and policies are construed in favor of coverage, and exclusions in an insurance policy are
construed against the insurer. (act of God is a valid defense only when it is the sole
cause of plaintiff’s injury). “Where the result of “act of God” is, in part, ascribable to
participation of man, either through active intervention or neglect or failure to act, whose
occurrence is thereby humanized, and is generally removed from operation of rules applicable to
“acts of God,” although there is an exception in some jurisdictions where “act of God” was of
overwhelming nature.” 57A Am. Jur. 2d Negligence § 535 (2004).
Courts have found that the failure to take “adequate precautionary measures” to secure property
“actively contributed” to the property falling on the house, regardless of whether the force of a
hurricane, tornado, or other natural disaster had been foreseeable. In that regard, a failure to secure
objects that can reasonably be expected to be swept up in a disaster is likely to give rise to liability.
Similarly, the failure to take steps to remove, or at least secure, a diseased or dead tree may well
make a homeowner liable for damag
My name is Tyler Simpson and I would like to file a complaint with the Human Resources Department.
Our agency has been working very hard for our clients. It is our goal to provide excellent customer service for our clients. However, it is apparent that this is not the goal of everyone we work with. It has been made obvious to me that one of my colleagues has not lived up to his responsibility to our clients.
I would like to apologize to our clients for the lack of professionalism you may have received by this individual. It is the ambition of the Mark Turley Agency to put our customers first. Please do not hold our staff accountable for the lack of effort from a few. We are here to provide our clients with the best service and acute attention to detail. Please do not hesitate to contact us if we can help in any way.
Good morning!
I just wanted to let you know that The Mark Turley agency is aware of the catastrophic weather event that occurred over night. We have several people ready to respond to the emergency. We are here to help our clients get through this situation.
As always, we will be here to answer any questions. Please contact our agency prior to filing a claim so we can make sure the damages to your home exceed the deductible as well as to make sure it will be covered under your policy. Once it is obvious that a claim needs to be filed, we will initiate the process immediately!
WYFF4.COM
National coronavirus updates: Scientists say virus won't end with warmer weather; US plans for new normal
You know what they say: April showers bring May flowers. Now is the time to brush up on the difference between flood watches and warnings so you can be better prepared for the rainy season.
ALLSTATE.COM
Flood and Flash Flood Watches and Warnings | Allstate
Allstate’s lowering prices. Are you ready to stop paying so much for insurance?
Mark A. Turley: Allstate Insurance
August 17, 2018 at 3:33 PM ·
ABC 7 News - WJLA was live.
December 31, 2020 at 12:42 PM ·
It's almost time to say goodbye to 2020! How do you plan on celebrating? bit.ly/2L6GXFt
Allstate has a rate decrease coming!!!! If you're ready to save money, call me. I'm here to help! Don't miss out. Or go to Allstate.com/MarkTurley
Tyler Simpson is with Stacie L Simpson.
December 15, 2020 at 12:52 PM ·
Ok, it’s official. Standing beside this pretty lady takes me from a 6 to an 8.5. Here’s the proof. Loving this picture on the 10th day til Christmas.
