Don`t forget our office is open until 7:00pm on Thursday night!

The Town Crier
HAPPY
SPRING!
April 2012
Don’t forget our office is open
until 7:00pm on Thursday
night!
How to Best Insure Precious Jewelry
Do you have jewelry that you value? If so, whether you value it for how much it is worth or for sentimental
reasons, investing in insuring your jewelry proves worth while. Even though most homeowners policies include
jewelry coverage, the coverage is usually limited. Additionally, the jewelry is only covered in the event of a fire or
robbery. Therefore, if the precious stone on your engagement ring were to come loose and fall off, your
homeowners policy would not cover the loss because it would be classified as a “mysterious disappearance.” Even
if your homeowners policy did cover that loss, the small amount of coverage would do little if your jewelry was
worth a great sum of money. You will want to know if your homeowners policy covers loss of personal
property in addition to theft and fire. If you wish to add coverage to your homeowners policy, you can add a
personal articles floater. A personal articles floaters provides coverage for items that exceed the value that a simple
homeowners policy or valuable articles endorsement can offer. In this coverage, detailed descriptions of your
valuable jewelry are recorded to ease recollection of what needs to be replaced in the event of a loss. Taking
pictures of the separate jewelry items could aid in this as well. If your homeowners policy does not cover jewelry
in the event of it being lost, you will want to purchase an entirely separate jewelry insurance policy. This is called a
valuable items policy. Valuable items policies are needed when a valuable articles endorsement or personal
articles floater does not provide enough coverage for your valuables. Similar to a valuable articles endorsement, a
valuable items policy also does not have a deductible. This benefits you by allowing you to rest assured that your
valuables will be replaced with no out-of-pocket expense in the event of a loss. Lastly you must have your jewelry
appraised by a professional. Values for gold, silver, etc., are constantly changing; therefore, even if you have had
your jewelry appraised in the past, it would be wise to have it appraised again for a more accurate appraisal.
Terry Quinn recently had a visit with Lou Pacheco, owner of Pacheco’s Jewelry.
They are currently giving 10% off jewelry appraisals. Stop down there today to
get a current dollar value appraisal for all of your jewelry.
Pacheco Jewelry is located at 20 Taunton Green, Taunton Ma
phone# 508-823-2040
If you have any questions about adding jewelry to your
policy please give us a call today!
Lou Pacheco, owner of Pacheco
Jewelry with Terry Quinn
Allan M. Walker Insurance Agency
120 High Street
Taunton, MA 02780
Tel# 508-824-5875 Fax# 508-880-5056 Toll Free# 1-877-824-6670
info@allanwalker.com www.allanwalker.com
4 Gas-Saving 'Tips' That Don't Work
We saw this post on MSN.com and thought we would pass it on. Now that gas is even more expensive there is
a lot of theories of how to save. Here are some common tips that are heard often but don’t seem to work very
well.
Buy gas early in the morning. Gasoline is denser at colder temperatures, so the theory here is that if you fill
up early in the morning while it's still cool out, you'll get more bang for your buck -- a gallon of gas bought
cold will expand to be a little more than a gallon when it gets warmer. But gas at gas stations is stored in
underground tanks, where the temperature varies a lot less than it does on the surface. As such, there's going to
be little to no perceptible difference in the density of the gasoline whether you buy it in the morning or at
night. With that said, it still might be worth it to fill up in the morning because, given how quickly gas prices
have been rising, you might find that the price has gone up by a few cents by the time you get back to the
2station that evening. Overinflate your tires. Yes, it's true
underinflated tires lead to decreased mileage, so you should make sure your tires are properly inflated for fuel
efficiency and safety reasons. But some people have taken that to the logical extreme by inflating their tires
beyond the recommended pressure, the theory being that an overinflated tire will have a smaller contact patch
with the pavement and thus less resistance. Alas, it turns out that's not really the case: Popular Mechanics
tested this one out and found almost no difference in gas mileage between 32 psi inflation and 45 psi.
Turn off the air conditioning and lower the windows. The theory here is that air conditioning draws
energy from the engine, and that lowering the windows reduces drag. Thus, on a warm day you should turn off
the air conditioning and lower the windows to boost your gas mileage. Unfortunately, there appears to be little
truth to this method: Edmunds tested it back in 2005 and found that the mileage was the same no matter which
method they used to cool themselves. If it's hot out, don't hesitate to blast the A/C. Leave your tailgate down.
Many pickup truck drivers will leave the tailgate down, the idea being that having it up will "catch" the air
flowing over the truck, acting as a sail that increases drag and makes you burn more gas. But the Discovery
Channel's hit show "Myth Busters" tested this one and then retested it and found that fuel efficiency was
actually a little better with the tailgate up. That's right, keeping your tailgate open actually made things worse,
and putting a cover on the pickup truck's bed had no real impact on fuel efficiency.
LICENSE RENEWALS
For those of us who haven’t
noticed, the registry no longer
sends renewal forms in the mail to
remind us to renew your license
before it expires.
To prevent getting caught with an
expired license you can now go
online to set up an email reminder
telling you that your license is
ready for renewal.
Please log onto:
http://marmv.sendza.com
And set up your email renewal
reminder today!
“The Girl With The Dragon Tattoo”
According to a recent article in the March Claims
Magazine the movie was named one of the riskiest
films to insure in 2011. International filming locations,
motorcycle riding by Oscar nominated stars and
physical scenes all contribute to
being a difficult movie to insure.
Wendy Diaz, an
entertainment underwriter for
Fireman’s Fund Insurance
Company was quoted as saying,
“there is a lot of money to lose, the film is a trilogy.”
The movie was shot in Sweden and
Switzerland creating more risk. If a cast member is
unable to work it can cause production delays which
can add up to millions of dollars.
Fireman’s Fund insures up to 80% of U.S. films
and its credibility as experienced underwriters is
respected in the industry.
Last year’s riskiest movie title went to “Salt”
starring Angelina Jolie.
CLIENT OF THE MONTH
Allan Walker is nothing without our clients trust. That is why we would like to thank the
client of the month, Mike Leahy of Jennings, Cody & Leahy, for trusting us with all his
personal & business insurance needs.
City / Town you live in? Raynham
Family? Wife, four grown children, four grandchildren
School? Boston College
Most unexpected or surprising thing about your job? “I’m surprised
that I’m still doing it! The most unexpected thing is that my business
relationships have turned into longtime friendships which probably
answers the question why I still like to come into work every day and
keep going.”
Your first paying job? Lifeguard at Nahant Beach
First car you owned? 1972 VW Super Beetle
Jennings Cody & Leahy
63 Winthrop Street
Taunton MA
508-824-6622
mleahy@jcl-cpa.com
What radio station is dialed in or what’s in your CD player? WEEI
What book are you currently reading? ‘Lone Survivor’ by Marcus Luttrell
Hobbies? Golf and Hiking mostly with my kids and siblings.
Jennings Cody and Leahy is a CPA Firm primarily providing tax, accounting and payroll
services to individuals and small businesses in greater Taunton and Bristol County areas. We know
that taxes are due in April but now is the time to talk to your tax professional so you are better
prepared for taxes next year. Give Mike a call today.
ARE YOU PLANNING A MOVE?
Moving can be a hectic time with much to do and plan but one very important thing to think about is
insurance. You can buy insurance from the moving company, or your homeowners insurance does provide
some coverage or you can purchase a separate policy just for the move.
HOMEOWNERS INSURANCE?
Most insurance companies place restrictions on how much they coverage they provide for items in transit,
and some can cap or exclude coverage for breakage.
THINGS TO ASK REGARDING
MOVING COMPANIES?
COVERAGE WHEN YOU ARE MOVING:
Many moving companies offer liability per pound valuation
IS IT COVERED FOR?
and often adjust (or settle) their own claims. Leaving you the
Collision
possibility of dealing with the same company who damaged
Theft
your valuables to decide how much to pay you for your
Vandalism
valuables.
Fire, Smoke
A SEPARATE POLICY JUST FOR MOVING?
Flood
Depending on what and where you are moving may be the best
Hurricane
option. Many times purchasing a separate policy can offer
Lightening, rain, hail
lower rates, broader coverage, faster claim service and most
Earthquake
Pairs & Sets (what if one breaks and the
importantly peace of mind for you.
other doesn’t)
Call us today to see how we can help you make the
Storage Coverage
insurance portion of your move one less thing to worry
about. 508-824-5875
Allan M. Walker Insurance Agency
120 High Street
Taunton, MA 02780
Tel# 508-824-5875 
Fax# 508-880-5056
Toll Free# 1-877-824-6670
info@allanwalker.com
PY
P
HA ER!
ST
A
E
SUNDAY APRIL 22, 2012 IS EARTH DAY–
HELP MOBILIZE THE EARTH
PETS OF THE
MONTH
April Holidays You May Not
Know About…
April is Cranberries & Gooseberries month
April is Grilled Cheese month
April is Frog Month
April is International Guitar Month
April 1st-7th Testicular Cancer Week
April 8th-14th National Library Week
April 15th-21st National Karaoke Week
April 18th-22nd National Whistlers Week
April 2nd National Peanut Butter & Jelly Day
Mary Ann M. from Taunton sent us this
picture of her wonderful dogs Sophie and
Buddy! They love to play, sleep, swim and
most of all to take a tubbie after a long day
of playing in the mud!
Send your pet pictures to
margaret@allanwalker.com
April 10th National Be Kind to Lawyers Day
April 13th Scrabble Day
April 19th High Five Day
April 23rd Talk like Shakespeare Day
April 25th World Penguin Day
April 27th National Hairball Awareness Day
April 28th National Sense of Smell Day
April 29th Zipper Day
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