Monday, March 9, 2009

Tornado Safety

Joyce Pinson, Kentucky Insurance Agent

It's never a good thing when my Mom calls and says she is heading for the basement. With the recent warm weather being slammed by a cold front blast, conditions have been ripe for tornado activity in parts of Kentucky. Such was the case last night.



Having worked for the University of Kentucky Weather Center during my collegiate days, I am abit addicted to storms. I even built our new house so I could watch the storms roar up our mountain river valley. When everybody else is headed for cover, I am out on the porch with binoculars revelling in the turmoil. Probably not too smart....but I've been a storm junkie since I was a little kid.



What's the difference between a tornado watch and tornado warning?



So for my prudent readers, who wisely do not take unnecessary risks during storms, here's the skinny. A tornado watch means all the weather geeks are hovering around their Doppler's WATCHING for tornadoes. Conditions are right for tornadoes; but none have been spotted. A tornado WARNING means the weather gurus have seen a tornado and you had best get under cover. Move it!



What to do in case of a Tornado?



Here's what the government says to do in case of tornado   Tornado Safety.  
NOAA has great instructions for all kinds of situations you may find yourself in.



What the page doesn't cover is having flashlights handy, a couple of blankets, and a battery or solar powered radio on hand. Electric is sure to go out. Blankets can be thrown over your body to help protect yourself from flying debris. And of course a radio can let you know when danger has passed.



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Charlie Pinson Insurance KY is a Kentucky insurance agency serving all of Kentucky. With over a decade of experience, Charlie Pinson Insurance KY, offers a variety of Kentucky insurance products.

Sunday, March 1, 2009

Kentucky Motorcyle Insurance Tips

Mark Frantom, Kentucky Motorcycle Insurance Agent, with son

Rev it Up! Get ready for bike season in five simple steps



There’s nothing like cruising down the open road on your motorcycle – the wind in your hair and a few bugs in your teeth.



Before you hit the highways and byways this season, make sure your insurance policy is up to speed so that you and your bike are protected.
Here are a few tips from the experts at Progressive and  Charlie Pinson Insurance Kentucky:



  • 1. Make sure your insurance policy is still in force. Some companies have a winter layaway period when some coverages are restricted. Check with your insurance company to see if you have any type of limited coverage.


  • 2. Update your policy. Let your insurance company know about any changes like additional riders, a new address or customized parts. A quick call to your independent agent can secure coverage that meets your needs.


  • 3. Cover customized parts. Parts such as chrome plating, a new paint job, saddlebags or special rims usually increase the value of your bike. If you’ve added custom parts or equipment, make sure they’re protected.


  • 4. If you don’t need it, drop it. If you own an older bike, check its value. Don’t pay for coverage that you don’t need. Consider dropping collision coverage if the premium equals 10 percent of the bike’s market value. Understand, however, that you won’t be covered if your bike overturns or collides with another object.


  • 5. Shop around. Prices can vary from company to company, so shop around. Another tip: If you purchase comprehensive and collision coverage, consider raising your deductibles. This can lower the cost of your physical damage coverage.


For Kentucky Motorcyle insurance check out Kentucky independent insurance agent  Charlie Pinson Insurance Ky.



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Charlie Pinson Insurance Ky. is a Kentucky independent insurance agent representing many Kentucky insurance carriers for you  Kentucky auto insurance  and Kentucky car insurance.

Tuesday, February 24, 2009

Handicap Access and Beyond

Charlie Pinson, Kentucky insurance agent, dances from wheelchair with wife, Joyce

You Just Gotta Get On with it!



Until you have to be in a wheelchair, or take care of someone in a wheelchair it is difficult to realize just how many barriers there are when on the move. Simple tasks like getting dressed seem to take hours. Finding handicap access ramps along busy city streets, and handicapped parking spaces is a real challenge. But, take it from us you just gotta get on with it!



When you run your own business, there is no time for sick days and since Charlie's accident we've only taken a couple. When a client calls, they expect us to be there. When a client needs us to come to their location, they expect us to be there. It's taken a couple of weeks to get down a commuting routine, but we have it down to a science.



And, don't think a little thing like a broken leg is going to keep us from ballroom dancing! PLEASE! Of course, we are not as graceful with the wheelchair as we are on our own feet...but hey, with some practice we'll be sure to improve. We sure didn't let the wheelchair spoil our recent dance with the Rotary Club!



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Monday, February 16, 2009

Handicap Accessible Trials and Tribulations

Joyce and Charlie Pinson Kentucky Insurance Agents


If you follow this blog, you will know  Charlie  and I have been building a new home. We designed our home to be wheelchair accessible. We did this in anticipation of my mother, who may need handicap accessibility to our home at a future date. (Believe me she does one hour of aerobics a day and is in better shape than Charlie and I)

Anyway, we did not forsee Charlie breaking his leg and needing wheelchair access. So what have we learned from actually using what was deemed to be "handicap accessible?"

If you are building or adding on a porch deck; definitely put a wheelchair ramp in. We don't use the wheelchair to get out; however the gently sloped ramp is very easy to negotiate on a walker. The ramp has been handy for moving in furniture and appliances. Our elderly guests find the ramp easier to negoiate than the stairs. The ramp is also easier to keep clean during winter ice storms than the stairs. (Our dog got caught in a steel trap and had a "to the bone" wound in his front paw. He too prefers the ramp to the steps)

Our front entry is french doors; so the wide width of wheelchairs and furniture has been no problem. However, there is about a six inch step-up, designed to keep rain from coming under the doors. The step-up is a bit of a trick to use the walker, or to ease the wheelchair up and down. In hindsight, would have made it a smaller step.

All of our interior doors are thirty six inches wide. Charlie can easily maneuver himself throughout the first floor of our home. Our cental hallway is four foot wide, with space enough that he doesn't mar my walls.

Our bathroom, which we put the most thought into accessibility before construction has had a few hiccups. We made it plenty wide enough to accomodate the wheelchair or walker. A potty chair easily fits over our existing toilet. However, the potty chair has to be moved out in order to get enough room to maneuver into our shower. Oh! for six more inches of room!

We did have the forsight to install a shower with seats. We thought it was handicapped accessible, but it is not wide enough to accomodate the walker. UH! That was a problem. There was one grab bar on the long wall, but it is low and not that great when one is hobbling on one leg. We had our contractor install a couple more grab bars; one inside the shower and one at the entry so it is a little more easy to get in and out of the shower. However, it is still tricky. I would mention that it is a real challenge to find grab bars that can be retro-fitted into a shower. Most are intended for new construction. If you are remodeling the bath, go on and spend the money to get those grab bars installed before you need them.

Have you had similiar experiences? Would love to hear from you.

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Joyce Pinson  is a Kentucky insurance agent as well as marketing director for  Charlie Pinson Insurance KY.  She looks forward to Kentucky Derby Day; when Charlie promises to be out of his wheelchair and dancing a waltz.

Tuesday, February 10, 2009

Kentucky Driving on Icy Roads

Charlie Pinson Insurance KY

No Slip-Sliding Away: How To Stay On The Road




(NAPS)—One thing is easy to foretell: Unpredictable weather can cause reduced visibility and hazardous driving conditions that make it challenging for even the most experienced drivers. Fortunately, there are ways to protect yourself, your passengers and your car.



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The following tips can help you stay safe when faced with treacherous roads:




  • Assemble a winter emergency kit. At a minimum, it should contain a blanket, boots, shovel, nonperishable food and a flashlight.


  • Plan ahead for stopping and turning. “Feather” the brakes when approaching a stop, especially if the road is slick. If turning, accelerate very gently through the turn.


  • Don’t make any sudden moves. Keep it slow and steady to maintain control.


  • Be cautious when braking in icy conditions. Coast over ice. Brake after reaching bare pavement. And never slam on the brakes. Brake gently in a pulsing fashion.


Steer into a skid. Remember: Locked wheels lead. If your rear tires are in a skid and “locked,” the rear of your car will start sliding to lead the car down the road. If this happens, steer into the skid, not away, and remember, don’t brake during a skid.



If you follow these tips but still find yourself in a crash, just remember that what you do after an accident can make a big difference in keeping everyone safe and in helping you and your insurance company work through a claim.




Remember to follow these tips from the experts at  Charlie Pinson Insurance Kentucky  and The Progressive Group of Insurance Companies if you get into an accident:



  • Stay calm. Stay at the scene but move off the roadway. Warn oncoming traffic by activating your hazard warning lights and/or setting flares.


  • Call the police.


  • Contact your insurance company to file a claim. The earlier your insurance company knows about the accident, the earlier it can get to work to resolve it.


  • Do not admit fault. Only discuss the accident with the police and your claims representative.


  • Exchange information with the other driver(s). And remember to get contact information for any witnesses.


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Charlie Pinson Insurance Kentucky  is a Kentucky independent insurance agency serving all of the Bluegrass State including  Louisville Lexington  and Pikeville. 

Monday, February 9, 2009

Kerosene Heat Precautions

Charlie PInson Insurance KY staff at trade show

Beware of the Dangers from Kerosene Heater Use



FRANKFORT, Ky. (Feb. 6, 2009) – The Kentucky Department for Public Health (DPH) is advising Kentuckians of the possible dangers from kerosene heater use as residents seek alternative heat sources to stay warm following last week’s devastating winter ice storm.


“The improper use of kerosene heaters can become deadly if homeowners do not follow manufacturer’s instructions for this alternative heat source“, said William Hacker, M.D., DPH commissioner. “It is important to take precautionary safety measures such as allowing adequate ventilation to prevent carbon monoxide poisoning and avoid fire hazards.”


Officials from DPH advise residents to follow precautionary guidelines from the National Center for Environmental Health for safe kerosene heater use:



  • - Be sure to properly follow the manufacturer’s instructions carefully for your specific heater model, making sure that the wick is set at the proper level as instructed by the manufacturer and is clean.


  • - Ensure your kerosene heater is only operated in a well-vented area. Leave a door open to the rest of the house or keep an outside window open to ensure an adequate flow of fresh air.


  • - Kerosene heaters require 1-K grade kerosene fuel. When colored or cloudy kerosene is burned, it will give off an odor, smoke and cause increased indoor pollution levels because of the fuel’s higher sulfur content. Non-1-K grade kerosene can also gum up the wick.


  • - Always store kerosene in a container intended for kerosene only, not in a gasoline can or a container that has contained gasoline. This helps to avoid using contaminated fuel or the wrong fuel by mistake. Kerosene containers are usually blue and gasoline containers are red.


  • - Never refuel the heater inside the home. Fill the tank outdoors, away from combustible materials and only after the heater has been turned off and allowed to cool. Do not fill the fuel tank above the “full” mark. This area is used to allow the fuel to expand without causing leakage when the heater is operated. Never attempt to move a lighted kerosene heater. Even a carrying handle could cause burns.


  • - To avoid the risk of fire, even in normal operation you should place kerosene heaters several feet away from all furniture, curtains, paper, clothes, bedding and other combustible materials.


  • - Infants, small children and pets should be kept away from heaters to avoid serious burns.



Seek immediate medical attention if you suspect carbon monoxide poisoning and are experiencing symptoms of carbon monoxide poisoning. Early symptoms include headache, nausea, vomiting and fatigue. Carbon monoxide poisoning is treatable.



If you are experiencing symptoms of carbon monoxide poisoning, contact the Poison Control hotline at (800) 222-1222.



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Charlie Pinson Insurance KY is a Kentucky independent insurance agency offering Kentucky Auto Insurance Quotes online.  Kentucky Car insurance is just one of the many Kentucky insurance products offered through Charlie Pinson Insurance KY.

Friday, February 6, 2009

Breast Cancer Awareness

First Lady Jane Beshear's Communications Office


First Lady Jane Beshear accepts check on behalf of “Horses and Hope”



Donation presented by Churchill Downs



FRANKFORT, Ky. –First Lady Jane Beshear today accepted a check on behalf of “Horses and Hope,” the breast cancer awareness program initiated by the First Lady and the Kentucky Cancer Program (KCP). The donation of more than $11,000 presented to the First Lady today in the Capitol by Churchill Downs was the result of proceeds collected during the Breast Cancer Awareness Day hosted by the track on Nov. 16, 2008.



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“It is always admirable to see the citizens of this great commonwealth come together for a common cause – to raise awareness of such a terrible disease,” said Mrs. Beshear. “I am truly thrilled that we were able to collect over $11,000 in donations to help in the fight of the second leading cause of cancer deaths among Kentucky women.”



As part of the “Horses and Hope” program, Breast Cancer Awareness Days were held at Churchill Downs, Keeneland, Turfway Park and Ellis Park.



“We are so happy that Churchill Downs could join in this initiative to increase breast cancer awareness,” said John Asher, vice president of Racing Communications at Churchill Downs. “‘Horses and Hope,’ led by Mrs. Beshear, is a wonderful project and today’s event reinforces how truly effective this program is.”



“Horses and Hope” fosters work with the state’s equine industry to identify new opportunities to provide breast cancer awareness, education, screening and treatment referral, as well as to raise funds to sustain programs into the future.



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The KCP will administer education, public awareness, provide the mobile mammography unit for the screening on the backside of tracks and handle monetary affairs for “Horses and Hope.” Donations will be placed in a University of Louisville Foundation account for the exclusive support of the project.



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The KCP at both the University of Louisville and the University of Kentucky has been awarded grants of $10,500 each from the Kentucky Breast Cancer Research and Education Trust Fund to fund breast cancer awareness, education, screening and outreach activities related to “Horses and Hope.”



In addition, the KCP at the University of Louisville has committed up to $10,000 from their 2008-09 operating budget to initiate project activities.



Breast cancer is the second leading cause of cancer deaths among Kentucky’s women. According to the Kentucky Cancer Registry, 2,700 new cases of breast cancer are diagnosed on average in Kentucky women each year. Over the last five years, nearly 600 Kentucky women have died each year from breast cancer.



###

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Joyce Pinson, a Kentucky Health Insurance Agent, is a horseracing fan who longs to shed her winter coat for brightly colored spring clothes and a huge Kentucky derby hat.

Thursday, February 5, 2009

Kentucky Highway Fatalities

Twelve Highway Deaths On Kentucky Roads Last Week (Jan 26 - Feb 1, 2009)



Date of News Release: 02/02/09



(FRANKFORT, Ky.) - Preliminary statistics* indicate that twelve people died in eight separate crashes on Kentucky roadways from Monday, January 26 through Sunday, February 1, 2009.




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All of the crashes involved motor vehicles and five of the victims were not wearing seat belts. The seat belt status of three victims is unknown at this time. Single-vehicle crashes occurred in Anderson, Carter (2), Jefferson,  Ohio and Wayne counties.



Two triple-fatality crashes occurred in Lincoln and Warren county. The suspected use of alcohol was a factor in the Lincoln county crash.



Through February 1, preliminary statistics* indicate that 55 people have lost their lives on Kentucky roadways during 2009. This is 8 fewer than reported for this time period in 2008. Of the 52 motor vehicle fatalities, 25 victims were not wearing seat belts. Three pedestrian have been killed. A total of 13 fatalities have resulted from crashes involving the suspected use of alcohol.



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Citizens can contribute to highway safety by reporting erratic drivers to the Kentucky State Police toll-free at 1-800-222-5555. Callers will remain anonymous and should give a description of the vehicle, location, direction of travel and license number if possible.



*These statistics are still preliminary as KSP waits for all local law enforcement agencies throughout the state to report any crashes and fatalities that may have occurred in their areas.



Press Release Courtesy Kentucky State Police



Kentucky Insurance  is available through Charlie Pinson Insurance KY. A Kentucky independent insurance agent, Charlie Pinson represents a variety of Kentucky insurance companies. His agencies offer Kentucky car insurance, as well as Kentucky health insurance, life insurance, and business insurance.

Tuesday, February 3, 2009

Wondering Where We Are?

Joyce and Charlie Pinson, Kentucky Insurance Agents

Well, if you haven't heard Charlie broke his leg last week while trying to install a big screen TV on the wall. It is not a bad break, but does have him somewhat out of commission for awhile.



Look for upcoming articles from us on Home Safety and Handicapped Accessibility. I think we have learned a few things you can benefit from.



Stay warm and healthy!

Tuesday, January 20, 2009

NAIFA features Kentucky Insurance Agent Charlie Pinson

Charlie Pinson and Joyce Pinson, Kentucky Insurance Agents, at ballroom dance demonstration
Charlie Pinson Kentucky Insurance Agent at Papa John Field in Louisville KY

"We just do what we do," laughs Charlie Pinson when asked about a recent national magazine article his quotes appeared in. NAIFA, the National Association of Insurance and Financial Advisors, "Advisor Today" features the Kentucky insurance agent's philosophy in the January 2009 edition.



The copyrighted article titled, "Marketing Secrets from Top Producers" reflects Pinson's penchant for local marketing strategies. "We market Charlie Pinson Insurance across Kentucky, but our home-base is Pikeville. In our hometown, people know we know insurance. But, what we want them to know is we are part of their community."


To read the NAIFA article Click here.

The January article focuses on creative ways to capture business. Pinson recounts experiences he has had by doing a ballroom dance demonstration, as well as his television sportscasting pursuits. "Do what you like, and be enthusiastic about it. I love to dance, and I love Kentucky sports. If I can combine that with my love of the insurance business, why not?"



"Too many insurance agents take themselves way too seriously," Pinson opines. "It's not all about a suit and tie. The insurance business is about people connecting. Knowledge is power, but being genuinely interested in people, their challenges, and their community is what really makes a insurance career worthwhile.



To make an appointment with Charlie Pinson, feel free to call the Pikeville KY office at 606.433.0031. The coffee is on. No suit required.



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Charlie Pinson is an independent insurance agent serving all of Kentucky including Pikeville  Louisville KY  : and Lexington.

Pikeville KY YMCA announces "Silver Sneakers"

The Pikeville Area YMCA introduces the SilverSneakers Program. Founded in 1992, the SilverSneakers Fitness Program is the nation's leading exercise program designed exclusively for older adults and offers an innovative blend of physical activity, healthy lifestyle and socially-oriented programming that allows older adults to take greater control of their health.


The unique SilverSneakers program is now available at The Pikeville Area Family YMCA at no additional cost to eligible Medicare members with the HUMANA  & AARP Health insurance plans.



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SilverSneakers offers an innovative blend of physical activity, healthy lifestyle and socially oriented programming that allows older adults to take greater control of their health. This class includes work for all major and minor muscle groups addressing strength, flexibility, muscular endurance, balance, coordination, agility, speed and power. The class includes a warm-up and rhythmic range of movement, stretch, work and resistance tools, cool down, final stretch and relaxation segment. It is a total body conditioning class in which students use hand-held weights, elastic tubing with handles, a SilverSneakers play ball and a chair for standing and/or seated support.



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To enroll in the SilverSneakers Program, bring your health plan membership ID card and a photo ID to The Pikeville Area Family YMCA. There will be a Senior Advisor and other friendly staff to guide you through the process!
The SilverSneakers Classes are offered at the following times: Mondays: 9:30 am; Tuesdays: 8:45 am & 5:30 pm; Wednesdays: 8:45 am; Thursdays: 8:45 am & 5:30 pm; and Fridays at 9:30 am.



Any questions? Call the Pikeville YMCA at 433-9622 or visit the YMCA online at www.pikevilleymca.org.



Article Courtesy Pike County Chamber of Commerce



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Charlie Pinson is an independent Kentucky Health Insurance Agent representing several Kentucky insurance companies including Humana Health Insurance. Humana recently partnered with the Pike County Chamber of Commerce to offer group health insurance rates to Chamber members.

Wednesday, December 10, 2008

Back to Kentucky Insurance Blog!

Joyce Pinson, Kentucky Insurance agent



I do apologize for the long absence here on the Kentucky Insurance blog. Once you hit forty, you start to realize you cannot always be superwoman, no matter what. We have been building a new home, and trying to complete everything so we can move in. It is hectic!



We started moving in about a week before Thanksgiving, but the drywall dust is still flying and there is trim that needs to be finished. In the middle of the move, we had to stop and "tidy up" to accommodate about two dozen guests for Thanksgiving festivities.



I am back to the moving mode, and trying desperately to get draperies, and pictures on the walls and windows. Not to mention preparing for the influx of holiday visitors.



So yes, I haven't been in the office as much...and yes this blog did get neglected. When you have lived in one place for 15 years, there is alot of stuff to pack and move...and let me tell you (women will understand) I just don't trust the men to move my china and breakables. So cut me some slack, I am going to get back to this full-time after the holidays. Look for weekly new posts until then.



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Joyce Pinson is a decorating perfectionist and there are alot of personal matters that have her attention right now. She will get back to being focused on Kentucky Insurance after the holidays.

Wednesday, October 29, 2008

Kentucky Highway Reports

Seven Die On Kentucky Roadways Last (Oct. 20 through Oct. 26)



Date of News Release: 10/270/08



(FRANKFORT, Ky.) - Preliminary statistics* indicate that seven people died in seven separate crashes on Kentucky roadways from Monday, October 20 through Sunday, October 26, 2008. Five of the fatalities involved motor vehicles and three of those victims were not wearing seat belts. Motor vehicle crashes occurred in Boone, Clark, Pendleton, Warren and Woodford counties. One of these crashes involved the suspected use of alcohol.



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There was one motorcycle fatality that occurred in Rowan county. The victim was not wearing a helmet. A pedestrian fatality occurred in Daviess county.



Through October 26, preliminary statistics* indicate that 630 people have lost their lives on Kentucky roadways during 2008. This is 90 fewer than reported for this time period in 2007. Of the 471 motor vehicle fatalities, 295 victims were not wearing seat belts. Of the eighty motorcycle fatalities, forty-eight were not wearing helmets. Twenty-four people have been killed in ATV crashes and twenty-two of those were not wearing helmets. Fifty pedestrians have been killed. A total of one-hundred and twenty eight fatalities have resulted from crashes involving the suspected use of alcohol.



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Citizens can contribute to highway safety by reporting erratic drivers to the Kentucky State Police toll-free at 1-800-222-5555. Callers will remain anonymous and should give a description of the vehicle, location, direction of travel and license number if possible.



*These statistics are still preliminary as KSP waits for all local law enforcement agencies throughout the state to report any crashes and fatalities that may have occurred in their areas.



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Charlie Pinson Insurance KY, is a multi-line independent insurance agency serving all of the Commonwealth of Kentucky including  Louisville Insurance  Lexington   and Pikeville.

Tuesday, October 21, 2008

Kentucky Teen Driving Week

Attorney General Conway Announces Support of National Teen Driver Safety Week



Attorney General Jack Conway today announced his support for National Teen Driver Safety Week to be held October 19-25, 2008. National Teen Driver Safety Week, observed each year during the third week of October, is designed to educate teens and raise awareness about the tragedy of teen vehicle crashes and encourage youth to drive more safely. This year’s theme, “Passengers,” focuses on increasing passenger awareness of how they may contribute to driver distraction.



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“Motor vehicle crashes are the leading cause of death for teens in the U.S. and in Kentucky. While teens represent only 6% of Kentucky drivers, they account for 19% of all people involved in injury collisions and 13% of those involved in fatal collisions in the state,” General Conway said.



Also troubling are the statistics on youth alcohol-related crashes. In 2007, 519 teenage drivers were involved in alcohol-related collisions resulting in 12 fatalities, half of which were the teenage driver. According to Kentucky State Police, 3,108 teen drivers between the ages of 16-19 were arrested last year for driving under the influence.



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“Working closely with victim’s advocacy groups such as Mothers Against Drunk Driving, our office knows all too well the heartbreak behind these statistics,” said General Conway, who is also a member of the National Association of Attorneys General’s Youth Access to Alcohol Committee. This committee works to keep alcohol out of the hands of minors.



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There are several important facts regarding the incidence of teens involved in vehicle crashes. Driver error or speeding is the leading cause of teen driver crashes. Cell phones, texting, food/beverage consumption and loud music are also dangerous distractions.



“Youth drivers need to know that the phone call and texting can wait. There is nothing more important than getting from point A to point B safely,” General Conway said.



Kentucky has taken steps forward in protecting teen drivers through its graduated teen-licensing law and increasing the time young drivers must have adult supervision.



“I also applaud the Kentucky State Police ‘Drive to Stay Alive’ program for teen drivers. However, more needs to be done to ensure students are aware of the severity of a vehicle crash and the very real consequences to themselves, their passengers and the general public of operating a vehicle in an unsafe manner,” General Conway said.



Attorney General Conway now asks that the public join him to help keep our teen drivers and our roadways safe.



“We all- federal, state, local governments and the public- need to support efforts to effectively educate teens and families about ways to address increased safety measures for teen drivers. Now is the time to talk with your children and grandchildren to prevent future tragedies.”



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Charlie Pinson Insurance KY, serves all of the Commonwealth including  Louisville  Lexington  and Pikeville. A Kentucky independent insurance agent, Charlie Pinson Insurance KY offers a variety of Kentucky Auto Insurance products from Progressive Drive Insurance, Safeco, Hartford, Farmers, Travelers, and Dairyland Sentry.

Wednesday, September 24, 2008

Behind the Scenes Charlie Pinson Insurance KY

Health Fair Heather


Heather Stiltner belts out a tune at Health Fair

All work and no play makes a Kentucky insurance office a boring place to be. So once in the while, you just gotta take a break. Even better if you can have fun and do a good deed. That's what our insurance receptionist, Heather Stiltner, did this morning.



Anita Frantom, Social Worker for Pikeville Medical Center and wife of agent  Mark Frantom  asked if we could spare Heather for a few minutes to kick off the hospital's Health Fair in the Park. Hey, we're not some big wall street high roller...and Heather is a key part of our team...but we needed a break. Heather is a terrific vocalist favoring tunes by Bonnie Rait, Janis Joplin and Carrie Underwood.



We all took turns "manning" Heather's reception desk, so she could go sing...and we even managed to switch out so everyone caught a snippet of her performance. We're proud of Heather, and hope you got to see her belt them out this morning.



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Heather Stiltner is a full time Kentucky insurance receptionist with Charlie Pinson Insurance Ky. In her spare time, she is also a local vocal performance.

Tuesday, September 23, 2008

Refrigerator out? Safe Food tips

Department for Public Health Issues Guidelines for Safe Eating

The thousands of Kentuckians left without electricity after high-powered winds swept through the state Sunday afternoon are strongly encouraged to follow food safety guidelines endorsed by the Kentucky Department for Public Health (DPH) to prevent food contamination and related illness.

DPH staff recommends keeping freezers closed to maintain the proper temperature for frozen foods. A full freezer will hold the temperature for approximately 48 hours and for 24 hours if the freezer is half full.

DPH cautions that a refrigerator will only hold its temperature for about four hours, meaning food items such as milk, dairy products, meats, eggs and leftovers should be placed in a cooler surrounded by ice if the outage lasts for more than four hours. Dry ice can be used to keep refrigerators cold. If the outage lasts for several days, 50 pounds of dry ice should preserve food in an 18-cubic foot full freezer for two days. (You must be careful when handling dry ice. Never touch dry ice with bare hands or breathe its vapors in an enclosed area. Dry ice is frozen carbon dioxide, a gas).

“Horrible situations like this one emphasize the need for emergency preparedness in the home,” said William Hacker, M.D., DPH commissioner. “Food that is improperly stored or handled can lead to foodborne illness, which can be debilitating and in some cases life threatening.”

If left without power, purchase one or more coolers, ice and a digital, dial or instant-read food thermometer, DPH recommends. Public health guidelines also recommend keeping appliance thermometers in the refrigerator and freezer, no matter how long the power has been out. The refrigerator temperature should be 40 degrees Fahrenheit or below; the freezer should be 0 degrees Fahrenheit or lower.

“If you are not sure a particular food is cold enough, take its temperature with a food thermometer,” said Hacker.

DPH recommends limiting the opening of freezer and refrigerator doors, even if an appliance has been out but returns to function within a couple of hours. If the freezer is not full, DPH strongly advises that poultry and meat items be grouped away from other foods to prevent juices from contaminating other items.

When the refrigerator and/or freezer are operating again, follow these guidelines to decide what to do with foods:

· Refrigerated foods should be safe as long as power is out for no more than four hours.

· Throw out any perishable food in your refrigerator, such as meat, poultry, lunchmeats, fish, dairy products, eggs and any prepared or cooked foods that have been above 40 degrees Fahrenheit for two hours. Bacteria can multiply to unsafe levels under these conditions.

· Fresh fruits and vegetables are safe as long as they are still firm and there is no evidence of mold or sliminess.

· If an appliance thermometer was kept in the freezer, read the temperature when power comes back on. If the appliance thermometer stored in the freezer reads 40 degrees Fahrenheit or below, the food is safe and may be refrozen.

· If a thermometer has not been kept in the freezer, check each package of food to determine the safety.

· If the food still contains ice crystals or is 40 degrees Fahrenheit or below, it is safe to refreeze.

· Raw meats, poultry, cheese, juices, breads and pastries can be refrozen without losing too much food quality.

· Prepared food, fish, vegetables and fruits in the freezer can be refrozen safely, but food quality may suffer.

“Remember, you can’t rely on appearance or odor of the food to determine if it’s safe,” said Hacker. “Food that has thawed or was held above 40 degrees Fahrenheit for more than two hours should be thrown out because bacteria may multiply to unsafe levels.”

To remove spills and freshen the freezer and refrigerator, DPH recommends washing with a solution of two tablespoons of baking soda dissolved in one quart of warm water. To absorb any lingering odors, place an open box or dish of baking soda in the appliance.

Thursday, September 18, 2008

Insurance and Financial Institutions in Turmoil...What does it all mean?

Joyce Pinson, Kentucky Insurance agent


As the marketing director for  Charllie Pinson Insurance KY  the question of "Where does the industry go from here?" has been on my mind this week. Insurance giant, AIG, has sure taken a beating and of course had a government bailout.



As a Kentucky independent insurance agent, I am surely grateful that our agency has many companies to offer our clients; not just one company. We represent Progressive, Hartford, Safeco, Travellers, Farmers and several other  Kentucky Auto Insurance  providers. We also represent AIG; but the point is we offer our clients the power to choose.



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In this day when big companies continue to swallow up smaller companies it's hard to keep up. Safeco was bought by Liberty Mutual. Wachovia, Merrill Lynch, Lyman Bros, and others are all in the news with dramatic changes.



It just goes to show you that bigger is not always better. Sure, we want to grow our business, just like any other successful business. But at the same time, with too rapid growth of overhead pursueing "the next level" of success comes at the costs of reducing profitablility. You spend more money; but make less profit. They called that the "Law of Dimishing Returns" when I was an econmics student.



With all the turmoil, you have to be watchful. As for Charlie Pinson Insurance KY  we are going to stick with what we know....offering our clients downhome personal service with the choice of doing business with numerous insurance companies. Sometimes, it's fun to be the hare...but the slow and steady turtle always wins the race.



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Joyce Pinson is the marketing director for Charlie Pinson Insurance KY, and it's sister Kentucky health insurance agencies. Joyce attended the University of Kentucky majoring in Agricultural Economics.

Flue Shots...Get'em while they are available!

Governor Beshear Encourages Kentuckians to Get Influenza Vaccinations; Increased emphasis this year aims to protect more children with flu shots



LEXINGTON, Ky.  (Sept. 12, 2008) – With influenza season just around the corner and an ample supply of vaccine expected this season, Governor Steve Beshear joined state and local health officials at the Lexington-Fayette County Health Department today to urge Kentuckians to get a flu shot or nasal vaccine spray — and to encourage parents to make sure children older than 6 months also receive protection against the flu.



“The best way to protect yourself and your family against the flu is to receive the flu shot or nasal vaccine spray. This year the federal government has released new recommendations that emphasize the need for most children over 6 months of age to receive annual flu vaccinations,” said Gov. Beshear. “Ensuring that all eligible children and adults are vaccinated helps protect the health of our communities at large, by reducing the flu’s spread and severity.”



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The Centers for Disease Control and Prevention’s (CDC) Advisory Committee on Immunization Practices’ (ACIP) updated recommendations for the coming flu season include:





  • • Annual vaccination of all children aged 5-18 years;

  • • Children aged 6 months through 4 years (59 months) continue to be a primary focus of annual vaccination efforts because these children are at a higher risk for flu complications compared with older children;

  • • Children aged 6 months-8 years should receive two doses of vaccine if they have not been vaccinated previously; and

  • • Healthy, non-pregnant people aged 2-49 years can receive either the flu shot or the nasal vaccine spray.



The focus on increasing vaccination among children reflects the serious health effects the flu can potentially cause among this population. Children younger than 2 years old — even healthy children — have a high risk of ending up in the hospital if they get the flu, and children 2-5 years old are more likely to be taken to a doctor, urgent treatment center or an emergency department due to the flu, according to the CDC. Each year in the U.S., as many as 20,000 children under age 5 are hospitalized because of the flu.



Kentucky expects local health departments and private providers to have plenty of vaccine on hand for this year’s season, and clinics are already being scheduled at many locations around the state. For information on vaccine availability, Kentuckians should contact their health provider or local health department.



“It’s important that children and others receive a flu vaccine each year to ensure maximum protection,” said Kraig Humbaugh, M.D., state epidemiologist at the Department for Public Health.



The flu season can begin as early as October and last as late as May, but usually peaks between January and March. September, October and November are good months to be vaccinated for flu because it takes about two weeks for immunity to develop and offer protection against flu. However, vaccination can be given any time during the flu season. Infection with the flu virus can cause fever, headache, cough, sore throat, runny nose, sneezing and body aches.



Immunization is strongly recommended to protect Kentuckians 65 and older and those with a chronic disease such as heart disease, cancer, asthma or diabetes. Healthy individuals 50 to 64 are also strongly recommended to receive flu vaccine.



In addition to flu vaccine, the officials encouraged all adults 65 or older and others in high-risk groups to ask their health care provider about the pneumococcal vaccine. This vaccine can help prevent a type of pneumonia, one of the flu’s most serious and potentially deadly complications.



Caused by bacteria, pneumococcal disease can result in serious pneumonia, meningitis or blood infections. According to the CDC, pneumococcal disease kills more people in the U.S. each year than all other vaccine-preventable diseases combined. Nationally, between 20,000 and 40,000 deaths are attributable to flu and pneumonia each year, with more than 90 percent of those deaths occurring in people age 65 and older.



For more information on influenza disease or the availability of flu immunizations, please contact your local health department or visit DPH’s flu Web site at http://www.chfs.ky.gov/dph/Influenza.htm.



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Wednesday, September 17, 2008

Mark Frantom, Incoming Pikeville Kiwanis President

Mark Frantom, Kentucky Insurance Agent, with wife Anita at Kentucky-Tennessee District Kiwanis Convention

Behind the scenes



Mark Frantom , the personal lines manager here at  Charlie Pinson Insurance KY  recently attended the annual Kiwanis District Convention held in Kingsport, TN. He was accompanied by his wife, Anita, and fellow Pikeville Kiwanians Roger Davis and Randy Thomas.



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Frantom, the incoming President for the Pikeville Kiwanis Club, attended a variety of seminars including Leadership Training for Club presidents. Highlights of the gathering included the Governor's banquet, Installation of new district officers, a trade show, and arts and crafts fair.




We at Charlie Pinson Insurance are very proud of Mark's efforts as a community leader. In addition to his work with the Pikeville Kiwanis, Mark is active with Pikeville College's football team and a his son's Cub Scouts and little league sports.



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Mark Frantom is a licensed Kentucky independent insurance agent. Mark writes a variety of coverages including Kentucky auto and motorcycle. Mark is especially fond of collectible cars, and enjoys seeing what cool vehicles he can help insure. Contact Mark at 606.433.0031.

Wednesday, September 10, 2008

Kentucky Small Business Resources Recieve Economic Boost

U.S. Congressman Hal Rogers (KY-05) announced today that the U.S. Department of Agriculture (USDA) has awarded a $251,848 Rural Business Enterprise Grant to Morehead State University (MSU). This funding will be used to enable the University’s East Kentucky Small Business Development Centers (SBDC) in Morehead, Ashland and Pikeville, to continue providing business resources to stimulate the economy and spur job growth in southern and eastern Kentucky.



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“With these USDA funds, MSU, through these regional small business development centers, will be able to expand an already extensive mission by putting invaluable professional consulting resources and important business analyses directly into the hands of local companies,” Rogers said. “In a global economy with constantly changing market dynamics, our industry leaders must stay ahead of the curve, understand their financing options, and constantly innovate with new techniques and business plans to bolster operations. This assistance translates into job creation, cost-savings, and business growth for the citizens of Southern and Eastern Kentucky.”



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MSU’s East Kentucky Small Business Development Centers serve a 25-county area in eastern Kentucky. The centers provide one-on-one counseling, technical assistance, and group training programs for small and emerging businesses in the service region. In addition, the funds will be used for a Regional Entrepreneur Conference and a Women’s Business Symposium.



This grant was provided by the United States Department of Agriculture (USDA) Rural Development



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