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		<title>Let&#8217;s Talk Money Newsletter</title>
		<link>http://siverinsurance.com/talk-money-newsletter-2/</link>
		<comments>http://siverinsurance.com/talk-money-newsletter-2/#comments</comments>
		<pubDate>Wed, 01 May 2013 13:55:21 +0000</pubDate>
		<dc:creator>Jerry Siver</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[college grads]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[inheritance]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[seniors]]></category>
		<category><![CDATA[small business]]></category>
		<category><![CDATA[wills]]></category>
		<category><![CDATA[womens issues]]></category>

		<guid isPermaLink="false">http://siverinsurance.com/?p=330</guid>
		<description><![CDATA[The May issue of Let&#8217;s Talk Money is now available. Investing, finance, insurance and other issues discussed in this issue: http://www.ltmonline.com/jerrysiver]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Personal Watercraft</title>
		<link>http://siverinsurance.com/personal-watercraft/</link>
		<comments>http://siverinsurance.com/personal-watercraft/#comments</comments>
		<pubDate>Mon, 22 Apr 2013 16:13:59 +0000</pubDate>
		<dc:creator>Jerry Siver</dc:creator>
				<category><![CDATA[Boat]]></category>
		<category><![CDATA[Homeowners]]></category>
		<category><![CDATA[Liability]]></category>
		<category><![CDATA[jetski]]></category>
		<category><![CDATA[pwc]]></category>
		<category><![CDATA[seado]]></category>

		<guid isPermaLink="false">http://siverinsurance.com/?p=327</guid>
		<description><![CDATA[From the Insurance Information Institute: Personal watercraft are not generally covered by homeowners or auto insurance, and where they are, the coverage limits can be fairly low. You may need to purchase a specifically designed policy in order to insure &#8230; <a href="http://siverinsurance.com/personal-watercraft/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Boats&#8230;they need insurance too!</title>
		<link>http://siverinsurance.com/boatsthey-need-insurance/</link>
		<comments>http://siverinsurance.com/boatsthey-need-insurance/#comments</comments>
		<pubDate>Thu, 18 Apr 2013 13:58:19 +0000</pubDate>
		<dc:creator>Jerry Siver</dc:creator>
				<category><![CDATA[Boat]]></category>
		<category><![CDATA[Homeowners]]></category>
		<category><![CDATA[boat]]></category>
		<category><![CDATA[inboard]]></category>
		<category><![CDATA[outboard]]></category>
		<category><![CDATA[waterski]]></category>

		<guid isPermaLink="false">http://siverinsurance.com/?p=324</guid>
		<description><![CDATA[Most companies provide limited coverage for property damage for small boats such as canoes and small sail boats or small power boats with less than 25 mile per hour horse power under a homeowners or renters insurance policy. Coverage is &#8230; <a href="http://siverinsurance.com/boatsthey-need-insurance/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Jan/Feb Let&#8217;s Talk Money Newsletter</title>
		<link>http://siverinsurance.com/janfeb-talk-money-newsletter/</link>
		<comments>http://siverinsurance.com/janfeb-talk-money-newsletter/#comments</comments>
		<pubDate>Sun, 06 Jan 2013 22:49:58 +0000</pubDate>
		<dc:creator>Jerry Siver</dc:creator>
				<category><![CDATA[Auto Insurance]]></category>
		<category><![CDATA[Financial/Investment Planning]]></category>
		<category><![CDATA[Homeowners]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[buy-sell]]></category>
		<category><![CDATA[contingency plan]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[disability]]></category>
		<category><![CDATA[employee benefits]]></category>
		<category><![CDATA[long term care]]></category>
		<category><![CDATA[new year resolution]]></category>
		<category><![CDATA[pension]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[saving]]></category>

		<guid isPermaLink="false">http://siverinsurance.com/?p=318</guid>
		<description><![CDATA[View the newsletter here: http://www.ltmonline.com/jerrysiver Estate Planning: What your children should know about your finances It may not be easy talking to your adult children about your finances and estate strategy. But discussing your finances with your grown children now &#8230; <a href="http://siverinsurance.com/janfeb-talk-money-newsletter/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Christmas Holiday Hours</title>
		<link>http://siverinsurance.com/christmas-holiday-hours/</link>
		<comments>http://siverinsurance.com/christmas-holiday-hours/#comments</comments>
		<pubDate>Wed, 19 Dec 2012 18:26:39 +0000</pubDate>
		<dc:creator>Jerry Siver</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://siverinsurance.com/?p=314</guid>
		<description><![CDATA[We will be closed for the Christmas holiday begining 3:00pm Friday and will open again 8:30am Wednesday December 26. There is someone on call while we&#8217;re closed. Call our main number and listen for the option to be transferred to &#8230; <a href="http://siverinsurance.com/christmas-holiday-hours/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Retirement Income&#8230;you&#8217;re probably in trouble.</title>
		<link>http://siverinsurance.com/retirement-incomeyoure-probably-trouble/</link>
		<comments>http://siverinsurance.com/retirement-incomeyoure-probably-trouble/#comments</comments>
		<pubDate>Mon, 22 Oct 2012 19:34:59 +0000</pubDate>
		<dc:creator>Jerry Siver</dc:creator>
				<category><![CDATA[Financial/Investment Planning]]></category>
		<category><![CDATA[retirement income]]></category>
		<category><![CDATA[saving]]></category>

		<guid isPermaLink="false">http://siverinsurance.com/?p=307</guid>
		<description><![CDATA[I’m noticing a disturbing trend when talking to people about saving for retirement and what their expectations are for their own retirement. Most people have no idea how much income they’ll need when they retire. Even worse, hardly anyone has &#8230; <a href="http://siverinsurance.com/retirement-incomeyoure-probably-trouble/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<title></title>
		<link>http://siverinsurance.com/277/</link>
		<comments>http://siverinsurance.com/277/#comments</comments>
		<pubDate>Thu, 20 Sep 2012 13:29:38 +0000</pubDate>
		<dc:creator>Jerry Siver</dc:creator>
				<category><![CDATA[Financial/Investment Planning]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[medical expense]]></category>
		<category><![CDATA[social security]]></category>
		<category><![CDATA[tuition]]></category>

		<guid isPermaLink="false">http://siverinsurance.com/?p=277</guid>
		<description><![CDATA[Our latest newsletter with info about college tuition cost, medical expenses, social security benefits and life insurance can be read here: http://www.ltmonline.com/jerrysiver]]></description>
		<wfw:commentRss>http://siverinsurance.com/277/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Texting while driving not affected by no-texting laws</title>
		<link>http://siverinsurance.com/texting-driving-affected-notexting-laws/</link>
		<comments>http://siverinsurance.com/texting-driving-affected-notexting-laws/#comments</comments>
		<pubDate>Fri, 17 Aug 2012 13:52:37 +0000</pubDate>
		<dc:creator>Jerry Siver</dc:creator>
				<category><![CDATA[Auto Insurance]]></category>
		<category><![CDATA[Liability]]></category>
		<category><![CDATA[cell phone]]></category>
		<category><![CDATA[distracted]]></category>
		<category><![CDATA[texting]]></category>

		<guid isPermaLink="false">http://siverinsurance.com/?p=273</guid>
		<description><![CDATA[Young drivers ignore texting-while-driving laws. See report done by the National Highway Transportation Board: www.nhtsa.gov/staticfiles/traffic_tech/tt407.pdf.]]></description>
		<wfw:commentRss>http://siverinsurance.com/texting-driving-affected-notexting-laws/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>7 Tips to Selecting the Right Car Insurance Coverage</title>
		<link>http://siverinsurance.com/7-tips-selecting-right-car-insurance-coverage/</link>
		<comments>http://siverinsurance.com/7-tips-selecting-right-car-insurance-coverage/#comments</comments>
		<pubDate>Wed, 15 Aug 2012 19:09:57 +0000</pubDate>
		<dc:creator>Jerry Siver</dc:creator>
				<category><![CDATA[Auto Insurance]]></category>
		<category><![CDATA[car insurance]]></category>
		<category><![CDATA[collision]]></category>
		<category><![CDATA[combined limit]]></category>
		<category><![CDATA[comparision]]></category>
		<category><![CDATA[comprehensive]]></category>
		<category><![CDATA[coverage limit]]></category>
		<category><![CDATA[insurance limits]]></category>
		<category><![CDATA[liability]]></category>
		<category><![CDATA[proper limits]]></category>
		<category><![CDATA[single limit]]></category>

		<guid isPermaLink="false">http://siverinsurance.com/?p=270</guid>
		<description><![CDATA[Better be prepared with car insurance before you buy your car and drive it off the lot. But finding the right car insurance coverage is not as easy as 1, 2, 3. There are many parts to the policy and &#8230; <a href="http://siverinsurance.com/7-tips-selecting-right-car-insurance-coverage/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Smartphone Apps Help Document Your Claim</title>
		<link>http://siverinsurance.com/smartphone-apps-help-document-claim/</link>
		<comments>http://siverinsurance.com/smartphone-apps-help-document-claim/#comments</comments>
		<pubDate>Tue, 14 Aug 2012 18:10:18 +0000</pubDate>
		<dc:creator>Jerry Siver</dc:creator>
				<category><![CDATA[Flood Insurance]]></category>
		<category><![CDATA[Homeowners]]></category>
		<category><![CDATA[app]]></category>
		<category><![CDATA[claim]]></category>
		<category><![CDATA[crisis]]></category>
		<category><![CDATA[inventory]]></category>
		<category><![CDATA[smartphone]]></category>

		<guid isPermaLink="false">http://siverinsurance.com/?p=266</guid>
		<description><![CDATA[3 new smartphone apps have been released (all free) to help policyholders document their stuff so if a fire or theft happened, the app could be used to prove what they had to the insurance company. The apps are: &#8220;Your &#8230; <a href="http://siverinsurance.com/smartphone-apps-help-document-claim/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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