John Tooley's (jtooley) Blog

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Services for Real Estate Pros - John Tooley Insurance Agency
RECENT BLOG POSTS
Today there are many things being done at government level to help people that hurting financially.  When you see someone that is a friend benefiting from these you are grateful; but is this really the best answer?  Lets compare what happens to consumers (not big evil corporations) when the help ...
01/28/2010
I met yesterday with someone that I consider a mentor in my life. He gave me employment for a number of years, taught me to negotiate tough deals, set and meet tough deadlines,.... and most of all re-inforced that you must treat other people with kindness and respect.  He drove this point home by...
12/11/2009
Answers on this vary from state to state, but if you are in Oklahoma the answer is yes.  There is usually a base rate, then discounts applied on a sliding scale for the increased financial responsibility.  I have been asked what the corrolation is. While I am not the spokesperson for the process,...
09/12/2008
I often get asked the difference between replacement cost for insurance and the market value for a home being resold.  Since I know this is a question/concern out there I thought that I would write about it.  Replacement cost is the cost it is estimated to take to put that house back with like qu...
09/10/2008
I have had many people ask me how I ever went from a getting a degree in physics to becoming an insurance agent.  The answer is simple.  I made my decisions the same way for the past 11 years and they are all focused on one thing.... family.  Right out of college and newly married my wife and I h...
09/03/2008
In the real estate business I am sure that you will get some of these calls.  They go like this "We had a storm last night and I had a spot show up on my ceiling.  Should I get an adjuster out from my insurance company?"  The thing I want my customers to know going into the process is that their ...
08/29/2008
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You know, for every popular swing in opinion there is a marketing bonanza that just brings in floods of people dying to use it to pry dollars out of your hands.  But not all actually fall into lock step with the actual initial intent of the message. Before you start getting ideas to the contrary,...
08/28/2008
On a previous post questions came up regarding Disability Insurance.  I will try to outline as simply as possible these products and also  provide some reference material.  There are two basic types of disability insurance.  These are Short Term Disability and Long Term Disability.  These are mea...
08/27/2008
When someone looks at their budget these days they immediately start looking for things that can easily be eliminated.  This is a good practice to do from time to time, regardless of the economy.  A slow economy is a good time to look at life insurance because you are assessing your costs and lia...
08/26/2008
When I started college I had in mind that I would get college over with and get down to the real stuff, making a living.  Education time would be over and I could get serious about making a living (I.E. cash flow... something we didn't have in college).  As I progressed through the process to gai...
08/22/2008
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