Although sole-proprietorships and partnerships are generally the most vulnerable, corporations, particularly corporations built around one or two individuals, are also at significant risk. However the business is organized, when you consider the likelihood that you or one of your key employees may become disabled, there is a clear need to protect both your personal income […]
Julie Ngo
Julie Ngo is a State Farm Insurance Agent located at 28410 Old Town Front Street in Temecula. She can be reached at (951) 695-2625.
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Why Earthquake Insurance? Earthquakes can do a great deal of damage to a home and the personal possessions in it. A severe earthquake can completely destroy a home and its contents. Such a loss, if uninsured, could devastate most individuals and their families. Excluded from Standard Policies – In most homeowners, renters, and condominium unit […]
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Choosing to sell your car on your own instead of to a dealership can be a good deal — especially if your car has high value. Follow these tips for conducting a safe transaction. Choose a Sales Process – You can use newspaper ads and/or various online services to post photos and a description of […]
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The snow and ice may be gone for much of the country, but it’s important for drivers to stay “street smart” this spring. Spring showers may bring dangerous driving conditions along with the flowers. In fact, wet roads can be just as slippery as ice-covered roads. Compounding matters, rainy weather can also affect driver visibility. […]
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Many people believe that their biggest asset is their home. For most of us, our biggest asset is the ability to work and earn an income. Not being able to work – due to a job loss or a disability having taken away the ability to work is often financially devastating. Everyone who works for […]
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Definition of disability: Are education, experience and past earnings taken into account in determining whether the insured is qualified to resume work? Many policies provide for an initial “own occupation” ¹ definition of disability for a specified period of time, after which a different definition of disability applies. Partial or residual benefits: Partial or residual […]
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Plan ahead and know the rules. Before launching your boat, learn the nautical “rules of the road” by taking a boater safety class. They are a large part of boating safety, especially when meeting, crossing, or overtaking another boat. Learning the meaning of buoys and other water markers, maintain a safe speed, and keep a […]
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by Julie Ngo Most of us, even if we’re lucky enough to own our own boats, don’t spend the majority of our time on the water. That general lack of familiarity and experience is why when you do set out in a watercraft — whether for fishing, swimming and water skiing, or just cruising — […]
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By Julie Ngo The snow and ice may be gone for much of the country, but it’s important for drivers to stay “street smart” this spring. Spring showers may bring dangerous driving conditions along with the flowers. In fact, wet roads can be just as slippery as ice-covered roads.
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by Julie Ngo ExceptionsAssuming that all of the “Notice and Consent” requirements have first been met, the proceeds from an EOLI contract paid because of the death of an employee will be received income-tax free if any of the following exceptions applies:
