D.F. Dwyer Banner

In This Issue
Shelter from the Storm
We're All In This Together
Community Events
Learn About
 Nationwide Trio Select+ Rates
 
Annuity Hourglass
D.F. Dwyer Links
Join Our List
Join Our Mailing List 
or
 
Forward to a Friend
Contact Us
 
D.F. Dwyer Insurance
38 Bellevue Avenue
Newport, RI  02840
 
phone: 401.846.9629
fax: 401.849.4980
 
Issue: # 6 March 2009
Shelter from the Storm

Looking for a way to safeguard your savings from turbulent markets? Consider a fixed annuity from Nationwide Life Insurance Company. The Trio Select+ fixed annuity provides;
  • A competitive interest rate that is not affected by stock market ups and downs
  • Your choice of guaranteed interest rate periods - 1, 3 or 5 years
  • 100% Guarantee of Principal
  • Tax Deferred Growth
     

For current rates click the link to the left.
 
For more information email Dan Dwyer or Brad Pearson

We're All in This Together
 
The economic downturn seems to have spared no one. No matter who you are or what you do, everyone seems to have been affected in some way. Let's hope that one bright spot might be an increased sense of community that comes from "neighbor helping neighbor". What better to do this than to support local businesses and non-profits.
  
TOP TEN REASONS TO BUY LOCALLY
 
1. Keep money in our community:
Significantly more money re-circulates locally when purchases are made at locally owned, rather than nationally owned businesses. (A 10/04 study shows that locally-owned businesses generate a premium in enhanced economic impact-- For every $100 spent at a locally owned business, $45 goes back into the community and our tax base. For every $100 spent at a chain store, only $14 comes back).
 
2. Support community groups: Non-profit organizations receive an average 250% more support from smaller locally-owned business owners than they do from large businesses.

3. Keep our community unique: Our one-of-a-kind businesses are an integral part of the distinctive character of this place. Our tourism businesses also benefit. "When people go on vacation they generally seek out destinations that offer them the sense of being someplace, not just anyplace." ~ Richard Moe, President, National Historic Preservation Trust
 
4. Reduce environmental impact: Locally owned businesses can make more local purchases requiring less transportation and generally set up shop in town or city centers as opposed to developing on the fringe. This generally means contributing less to sprawl, congestion, habitat loss and pollution.

5. Create more good jobs: Small local businesses are the largest employer nationally and in our community, provide the most jobs to residents.

6. Get better service: Local businesses often hire people with a better understanding of the products they are selling and take more time to get to know customers.

7. Invest in community: Local businesses are owned by people who live in this community, are less likely to leave, and are more invested in the community's future.

8. Put your taxes to good use: Local businesses in town centers require comparatively little infrastructure investment and make more efficient use of public services as compared to nationally owned stores entering the community.

9. Buy what you want, not what someone wants you to buy: A marketplace of tens of thousands of small businesses is the best way to ensure innovation and low prices over the long-term. A multitude of small businesses, each selecting products based not on a national sales plan but on their own interests and the needs of their local customers, guarantees a much broader range of product choices.

10. Encourage local prosperity: A growing body of economic research shows that in an increasingly homogenized world, entrepreneurs and skilled workers are more likely to invest and settle in communities that preserve their one-of-a-kind businesses and distinctive character.
 
From www.43things.com
Community Events
 March 2009:
  • 3/10 + 3/24       IYRS Tuesday Night Dinner and a Lecture Series, www.iyrs.org

  • 3/12                 Gallery Night, Newport Art Association, www.newportartmuseum.org      
  • 3/14                 53rd Annual St. Patrick's Day Parade, www.aohnewport.org
  • 3/21                 Shipwrecked Party- Sail Newport Spring Fundraiser, www.sailnewport.org