Prevent Costly Repairs...     

With fewer warm days left this year, it's time to start thinking about storing your boat for the winter if you haven't already. Depending on where you choose to store your boat, it's important to do your research on the best method for storing it in the off season.

Although it can be more expensive to store your boat ashore, BoatUS says that, "Storage ashore may also be less expensive over the life of a boat;" however, that's not always the case, as "The vast majority of the claims in temperate states involved boats that were being stored ashore."

Even if you do leave your watercraft in the hands of the boatyard, take the time to ensure the boat is properly winterized - down below, on deck and underneath. Your insurance coverage may not extend to neglect or accidental damage in the process if a proper winterizing contract isn't secured. And just think, an improperly winterized engine or mistakenly uncovered electronics could mean serious damage, aggravation and money.

That said, read your boat insurance policy carefully each year to understand what kinds of damage are covered, and talk to your agent about anything that seems unclear to you. Better safe than sorry!

Jill McCarthy    

Born and raised in Rhode Island and a graduate of Salve Regina University in Newport, Jill brings over ten years of experience & knowledge from the banking, insurance and financial services industry to the company. She prides herself on her customer service and follow through and has worked to maintain excellent relationships with her clients past and present. Her primary objective is to help you achieve financial freedom in a complex and constantly changing world by designing strategies to help you achieve what is most import to you. 

After a sparkling America's Cup summer, October 1962 was a very stressful time...

On the national stage, as James Meredith became the first black student at the University of Mississippi he was greeted by controversy and protests that erupted into violence. On the international scene, U.S. and U.S.S.R. nuclear testing foreshadowed the possible disastrous consequences of the Cuban Missile Crisis, often referred to as the most dangerous two weeks in history. On 10/22/62 President Kennedy's urgent television address informed a nervous nation about Russian missile bases in Cuba, a naval blockade and U.S. military forces at DEFCON 3 status. New England Civil Defense authorities took steps to speed up the licensing of fallout shelters in schools, government and industrial buildings. (Follow us on Facebook to read more about how the crisis unfolded throughout the month.)

Right here at the Naval Station several destroyers left hurriedly to join the blockade of Cuba and a Newport-based sailor, Cornelius Drummond was indicted on spy charges including the wholesale sellout of American defense secrets to the Soviets. Meanwhile the U.S. and U.S.S.R. signed a joint space effort in telecommunications and meteorology. That said, the race for space was thought to hold the ultimate future tactical advantage for the winner. Astronauts and Cosmonauts continued to push the envelope including Walter Schirra, Jr. who set a space flight record for the U.S. when he completed a six-orbit mission in his Sigma 7 capsule this month.

In sports, Johnny Pesky was named Red Sox manager and the N.Y. Yankees prevailed over the San Francisco Giants in the 20th World Series. October baseball was a welcome distraction for the nations worries, as were new entertainment offerings including Johnny Carson's first Tonight Show, the premiere of The Lucy Show and the Beatles release of Love Me Do. Local movie theaters screened The Flower Drum Song, Rear Window, The Bird Man of Alcatraz and The Adventures of Marco Polo.

In other local news, election season was in full-swing with political advertising touting candidates and hot-topic referendums dominating the pages of the Newport Daily News-- sound familiar? (Other local advertising would have made Don Draper proud, follow D.F. Dwyer on Facebook to view creative examples throughout the month!) Newport voters were considering Urban Renewal this month. Two issues on the November ballot that re-shaped the face of downtown Newport... read more.

Follow us on Facebook to learn more about October 1962 in Newport & Beyond...

Now Open!   

Our new office at 2623 East Main Road in Portsmouth, RI (next to Clements Market) is now open to serve you, stop in today! 

Before issues crop up, know what to do to keep you, your employees and visitors safe

Farming is a tough job, and much of the reason why is the numerous safety concerns that come with daily operations on the farmstead. And during this time of year, that risk increases with many visitors of all ages enjoying the bounties of 'Pick Your Own' offers, bouncing along on hayrides and taking part in other fun family activities.

As Farm Safety Week 2012 comes to a close this September, it's a good time to think about the safety precautions and plans you should have in place as a farm-owner - or, what you should know to keep your family safe while visiting the farm. The Next Generation: Farm Safety and Health blog is a great resource for this kind of information, featuring articles about topics like keeping kids safe on the farm, training employees on new procedures, emergency planning, news and current events in the farming community, and the importance of maintaining a safe environment for work and play during the busy fall harvest season.

Own a farm? Take the Nationwide Farm Safety Quiz to see how safe your farm really is! Or, if you're ready to learn more about your insurance options to protect your farm, contact us to meet with an agent.

Learn more...  

We value all of our clients, but we're always happy to promote the businesses of our commercial clients.We've added a new 'Featured Client' section to our website and e-newsletter, where each month, we'll showcase one of our commercial clients. If you're one of our valued commercial clients, email us a photo, a brief description of your business (150 words max.) and the link to your website and we'll contact you shortly about your submission. Hey, who couldn't use a little free advertising?