Category Archives: News

Stay away from self-imposed exile

Stay out of self-imposed exile (debt)

Whether we have a little money or a lot – it is the commodity of our time. One of the great trials of handling money is it that it is a science which can be learned, but it doesn’t come naturally to everyone. If you have had past (or present) troubles with saving money and handling debt, here is a quick and simple guide to get you started.

Money uses Math – the addition and subtraction kind of math.

help with debt-self imposed exileBe encouraged – you have the skills! There is nothing about budgeting that is too complex… …

Stay out of self-imposed exile (debt)

Whether we have a little money or a lot – it is the commodity of our time. One of the great trials of handling money is it that it is a science which can be learned, but it doesn’t come naturally to everyone. If you have had past (or present) troubles with saving money and handling debt, here is a quick and simple guide to get you started.

Money uses Math – the addition and subtraction kind of math.

help with debt-self imposed exileBe encouraged – you have the skills! There is nothing about budgeting that is too complex… it just takes time and will power (and usually a written plan). Budgeting uses the same calculation as dieting, because it’s all about how much you take in and how much you give out. If we want to lose weight we have to burn more calories than we take in. If we want to have more money left over the day before we get our paycheck, then we will need to spend less than we make. Even though it is simple – it’s not always easy. This is where our will power comes in to play, but that’s a whole different blog post :-).

To ease the planning part of this, here is a simple guide to help get us started.

BUDGET EQUATION:
Income minus expense = money you are supposed to manage (and management includes more than spending)how to for growing money tree

  1. Know how much money you give out each month. Whether your goal is a trip next summer, or just that you’re tired of having to make your decisions based on how much money you have available at that moment. It is vital to know how much you’re spending. It is one thing to lower your debt, but knowing how much money you have going out (expenses) every month must be controlled, or debt will continue to sneak up on you. You can’t ever make more than you’re capable of spending.
  2. Know how much money you make each month… exactly. We realize this sounds silly, because – how can anyone go to work every day and not know what they’re making. The reality is that most of us don’t track what is on our paychecks. We are typically so happy to see money in the account that we don’t take the two minutes per paycheck to look at the stub and make sure the amount is accurate. Know how much you put in your bank and what frequency it is delivered.

Even though there are a number of other tools that help with budgets and tracking money, the above info is what goes into a budget. This is as simple as what you make (income) minus what you spend (expenses), and the remainder is what you have to give and save and spend.

**if you are finding that you have less money than you need after doing this “money earned & money spent” equation – that is when you need to bring your expenses inline with your income. Sometimes budgets aren’t fun to do, because we want to pretend that we should live like we are richer than we actually are*** (sorry)debt free prison escape

 

Your Name (required)

Your Phone Number (required)

Your Email (required)

Business Name (required)

Subject

uninsured under-insured driver
uninsured under-insured driver

If you can see 5 cars – 1 of them probably doesn’t have insurance (statistically speaking)

Here’s the scenario; You were in a car accident, and it’s not your fault! (that felt more like a commercial?!?) – the other person wasn’t able to pay their bills the last couple months and doesn’t have any insurance. Often it’s not only the uninsured individual who can cause risk, but also the under-insured individual. If someone has the bare minimum insurance and your accident has more than the bare minimum of costs – this is not the situation any of us want.

Unless you live in Virginia, it’s illegal to drive a car without insurance. Every state has …

Here’s the scenario; You were in a car accident, and it’s not your fault! (that felt more like a commercial?!?) – the other person wasn’t able to pay their bills the last couple months and doesn’t have any insurance. Often it’s not only the uninsured individual who can cause risk, but also the under-insured individual. If someone has the bare minimum insurance and your accident has more than the bare minimum of costs – this is not the situation any of us want.

Unless you live in Virginia, it’s illegal to drive a car without insurance. Every state has their own laws. From Maine’s 4.5% to Florida’s 26.7%, our country’s uninsured motorists are present (and should be accounted for). Colorado’s uninsured motorists are not in the top or bottom few, but that placed Colorado’s drivers in the mid-percentages of risk.

uninsured under-insured driverIn this article we want to give a shout out to New Mexico for dropping from 29.8% in 2006 to 20.8% in 2015; well done. We’re all better if we can play by the same rules. There are some stand-outs, but the rates for uninsured motorists in most states increased between 2010 and 2015.

Elizabeth A. Sprinkel (senior vice president of the IRC) stated, “While some states saw significant drops in their uninsured motorists rates, overall, the rate is increasing nationwide”, and “This can mean added risk for all motorists.”

“Nearly one in eight U.S. motorists is driving around uninsured and putting insured drivers at greater risk in the event of an auto accident”, according to a study. In 2003, uninsured motorists percentage peaked at 14.9%. By 2010, we dipped to 12.3% after seven years of going down. This bounce in 2015 that found 13 percent of all U.S. motorists were uninsured is not what many hoped to see.

The president, personal lines, at The Hanover said, “The results of the survey sound an alarm. Uninsured motorists represent a significant risk to insured drivers.” According to Halsey, the average cost of an uninsured motorist claim is about $20,000 (and that doesn’t include physical damage to the vehicle).

We at Insurance Town & Country would hope all of our community’s drivers discuss uninsured/under-insured motorist coverage with their independent agents. It’s not a bad idea.

A good rule of thumb is to have equal uninsured and under-insured motorist coverage as bodily injury coverage, according to the insurer.

 

 

_______

– The research was directed by the Insurance Research Council (IRC) and co-sponsored by The Hanover Insurance Group.

– The IRC study, Uninsured Motorists, 2017 Edition, examined data collected from 14 insurers representing approximately 60 percent of the private passenger auto insurance market in 2015.

Fireworks Safety

Fireworks and the Fourth: 9 Tips For Safe Celebrations

Windsor-Detroit International Freedom Festival Firework Show

I love a good professional fireworks show. I’ve watched the 4th of July Fireworks from the FDR highway in NYC. I’ve witnessed the pyrotechnics for what used to be the Windsor-Detroit International Freedom Festival from high up in a building on Woodward Ave.

But I’ll admit—I’m not a huge fan of consumer fireworks. It’s probably because my only experience with them resulted in me having to jump out of the way of a firework that fell right in my direction. That pretty much scared me from using anything more than sparklers.…

Fireworks and the Fourth: 9 Tips For Safe Celebrations

Windsor-Detroit International Freedom Festival Firework Show

I love a good professional fireworks show. I’ve watched the 4th of July Fireworks from the FDR highway in NYC. I’ve witnessed the pyrotechnics for what used to be the Windsor-Detroit International Freedom Festival from high up in a building on Woodward Ave.

But I’ll admit—I’m not a huge fan of consumer fireworks. It’s probably because my only experience with them resulted in me having to jump out of the way of a firework that fell right in my direction. That pretty much scared me from using anything more than sparklers.

I’m really lucky that I wasn’t injured that day, because as U.S. Consumer Product Safety Commission(CPSC) statistics show hundreds of people are injured every year by fireworks. The CPSC has put together a pretty great infographic on the subject.

Some key statistics:

  • On average, 200 people go to the Emergency Room per day for fireworks-related injuries in the month surrounding the 4th of July (June 17–July 17).
  • Hands and fingers are the most injured body parts, followed by the head, face, ears and eyes.
  • 40% of the injuries happen to adults ages 25-44, 45% happen to people under age 24.
  • 68% of those injured were male.

Surprised? I’m guessing you’re probably not. The numbers fell mostly where I thought they would. These numbers really illustrate how important it is for people of all ages to treat fireworks with respect. Read all of the warnings and use common sense.

On average, 200 people go to the Emergency Room per day for fireworks-related injuries in the month surrounding the 4th of July

That includes:

  • Think twice about using fireworks if you currently live in an area experiencing very dry weather and elevated fire risks.
  • Follow all laws! If fireworks are illegal in your area, don’t use them.
  • Never allow young children to play with fireworks. Young children can very easily suffer burns from sparklers, which burn at 2,000 degrees.
  • Have an adult closely supervise any older children using fireworks.
  • Be careful when lighting the fuse. Don’t place any part of your body over the firework. Light only one firework at a time and back up to a safe distance immediately.
  • Keep a bucket of water or a garden hose handy in case of fire or other mishap.
  • Never try to re-light or pick up fireworks that have malfunctioned. Soak them and throw them away.
  • Never point or throw fireworks at another person.
  • Never carry fireworks in a pocket or shoot them off in metal or glass containers.
  • After fireworks stop burning, douse it with plenty of water before discarding it.

Your safety is important to us. Enjoy the Holiday safely!

Steps to starting a small business successfully

The 11 Steps to Start your Small Business!

A woman holding an open sign

Starting a small business can seem overwhelming at first, but if you are reading this article, chances are you are brave enough to consider it or already have. Since small business make up 99.7 percent of the U.S. economy, according to the U.S. Small Business Administration, it seems like you aren’t the first and won’t be the last. But, if you have that entrepreneurial hunger, what you probably want to be is the best.

Whether you want to start a business with five employees or 300, the fundamental and basic steps …

The 11 Steps to Start your Small Business!

A woman holding an open sign

Starting a small business can seem overwhelming at first, but if you are reading this article, chances are you are brave enough to consider it or already have. Since small business make up 99.7 percent of the U.S. economy, according to the U.S. Small Business Administration, it seems like you aren’t the first and won’t be the last. But, if you have that entrepreneurial hunger, what you probably want to be is the best.

Whether you want to start a business with five employees or 300, the fundamental and basic steps are essentially the same. The SBA lays out the 10 steps to starting a business that might just be the beginning of a beautiful relationship between you and your dream.

  1. Write a business plan
  2. Get business assistance and training
  3. Choose a business location (We found a great list from CNN naming the 10 most entrepreneurial states in the US)
  4. Finance your business
  5. Determine the legal structure of your business
  6. Register a business name “doing business as”
  7. Get a tax identification number
  8. Register for state and local taxes
  9. Obtain business licenses and permits
  10. Understand employer responsibilities

Whether you’re starting a flower shop or an auto body repair shop, having the right insurance for your business and following these simple and fundamental steps is bound to set you up for success.

Summer Motorcycle Safety

Protecting Your Noggin

Helmet and gloves hanging from handle bars

I remember getting the opportunity to ride on the back of my grandpa’s motorcycle for the first time as a child. Traveling quickly and close to the ground without any walls or doors was such an exhilarating experience! I also remember the helmet that squished my cheeks right into my nose and eyes. At the time, I just giggled because I felt like a chipmunk, but now I understand better. That helmet was not suitable for the size of my head (which has always been pretty large) and wouldn’t have protected me as well in an accident.…

Protecting Your Noggin

Helmet and gloves hanging from handle bars

I remember getting the opportunity to ride on the back of my grandpa’s motorcycle for the first time as a child. Traveling quickly and close to the ground without any walls or doors was such an exhilarating experience! I also remember the helmet that squished my cheeks right into my nose and eyes. At the time, I just giggled because I felt like a chipmunk, but now I understand better. That helmet was not suitable for the size of my head (which has always been pretty large) and wouldn’t have protected me as well in an accident.

Motorcycle helmets come in many different shapes and sizes because everyone has a unique noggin. Whether you like to hit the road with a sport bike or cruiser, scooter or moped; taking care of the most delicate part of your body is an essential part of preparation. Here’s a list of four things to consider when purchasing a DOT approved helmet:

But wait, what’s a DOT approved helmet?

I’m so glad you asked! According to Leather Up, the Department of Transportation (DOT) assesses each helmet by placing it on a head form that’s equipped with sensors. The helmeted head form is then dropped from a specific height onto a steel anvil, and the severity of the impact is recorded. These standards are important because they outline the minimum requirements all motorcycle helmets must meet, which has already saved countless lives. However, if you would like to get a helmet that has been tested impartially and will provide more protection, SNELL has you covered.

 

    1. Type of bike

      Adventure touring? Cruiser? Sport bike? Generally, adventure bikers prefer using modular helmets which allow you to raise the face shield, while cruiser riders enjoy a half-shell helmet and sport bike riders like a full face helmet that will provide great all-around protection.

According to the CDC, more than 41% of operator and passenger fatalities could have been prevented with proper helmet usage.

  1. Size/Shape of head

    There’s more to a properly-fitted helmet than just one that can slide onto your head! Check out this article from Helmet Check for an in-depth description on how to determine your head shape, size, and preference.

  2. Helmet features

    It’s important to find a properly-fitted helmet so the three to four pounds of weight are distributed evenly around your head and shoulders to reduce neck strain. Consider also whether you would like additional features like integrated sunshade, wind reduction, and communication technology.

  3. Price

    How much are you willing to pay? Generally speaking, price does not necessarily reflect quality or safety, but rather the materials used and the number of features. Good helmets can range anywhere between $40 and $900, so make sure you budget accordingly.

No matter what helmet you decide to wear, make sure you are wearing one, because your safety is number one!

Questions You Should Ask Before Signing A Lease

Questions You Should Ask Before Signing a Lease

A For Rent sign outside home

Moving into a new rental property is such an exciting process! Sure, it’s also super time-consuming and can be pretty demanding, but finally settling in can bring so much joy. I recently made the move from my college house into a full-on adult apartment and I was giddy with anticipation! Anything that came my way from the apartment complex was immediately completed and returned, all the T’s crossed and I’s dotted – including the lease. It didn’t dawn on me until after I had sent it back that I probably should have …

Questions You Should Ask Before Signing a Lease

A For Rent sign outside home

Moving into a new rental property is such an exciting process! Sure, it’s also super time-consuming and can be pretty demanding, but finally settling in can bring so much joy. I recently made the move from my college house into a full-on adult apartment and I was giddy with anticipation! Anything that came my way from the apartment complex was immediately completed and returned, all the T’s crossed and I’s dotted – including the lease. It didn’t dawn on me until after I had sent it back that I probably should have read it more thoroughly. Luckily, my lease outlined understandable guidelines and didn’t have any weird rules or vague statements releasing the complex from responsibility.

Before signing a lease, make sure you know what you’re getting yourself into. Your lease is more than just a piece of paper with boring writing on it – it’s a legally binding contract! Most leases are pretty straightforward, but once you sign it, you’re locked in for the near future.

Here are nine important questions to ask your landlord or leasing office before signing the rental agreement.

  1. How long is the lease term?

    Most leases are a year long, but the timeline will occasionally change depending on the best rate or what’s convenient for both you and the property owner. You may also want to consider asking what the penalties are for terminating a lease early. You probably aren’t planning on breaking the agreement, but if you’re offered a job in a different state or extenuating circumstances arise, it’ll be handy information to remember.

  2. Are utilities included?

    Clarify which utilities you are responsible for and which are included in your rental agreement. The utilities included vary greatly depending on the owner and can dramatically alter your monthly rental fee if you’re not prepared. Ask about utilities like water, electric, gas, internet, cable, and trash pickup before signing a lease.

  3. Do you allow pets?

    If you already have a pet or plan to get one soon, this will be an important question to ask. Most rental facilities offer some kind of accommodation for pets but may still require an extra monthly fee to protect against potential damages. Some apartment complexes will also have a specific list of pets that are allowed, detailing what kinds of dogs they do and don’t allow on their premises.

    Service animals, however, are a different story. You may be entitled to special accommodation for your service animal; consult your legal representative to know your rights prior to initiating a discussion with your potential landlord.

  4. Where do I park my car?

    Some facilities offer free parking in a garage or car port and some require a fee to access the parking amenities. Be sure to clarify where you can park your car, if it’s free, and how many cars are allowed per tenant on the property.

  5. When is rent due and how can I pay it?

    Rent is generally due on the first of the month, but you might want to clarify with the property owner to be sure. And is that rent taken in check form? Can you electronically transfer it? Ask before you move in to avoid any confusion or late fees in the future.

  6. Is the security deposit refundable?

    Couple looking at white wall with paint supplies around themThe treatment of security deposits is typically regulated by law, but in general, security deposits are refundable as long as the property is in good condition when you move out. Your landlord may, however, be entitled to withhold part of your deposit for damages that were incurred during your stay or if you break the lease. As long as you keep the rented space in good condition, you should have nothing to worry about!
  7. What kind of maintenance services are available?

    Depending on whether or not you live in an apartment complex, you may have on-site property management that will fix any issues you may have. On-site management quickly swooped in and resolved an issue my sister had with her dryer after she realized that she had never emptied the lint tray. Of course, I would suggest that you regularly empty the tray (since it’s a fire hazard), but property management will be there for those types of mishaps.

    If you’re looking to rent somewhere without on-site management, it may be more difficult to get someone on the premises to fix issues that may arise. In this case, you may consider renting elsewhere. Try not to end up with an overflowing tub at two in the morning and no one to help!

  8. What kinds of amenities are provided? Are these complimentary?

    Amenities like a community center, pool, fitness center, washer and dryer, and storage space can add that extra bit of value to your rental property. Which are the most important to you? Some properties have laundry facilities in each specific apartment, while others can be accessed through the basement of the building. Make sure to clarify if these amenities are included with the rental fee or if there’s an additional charge to access the spaces.

  9. In what ways can I personalize the property?

    If you plan on painting the walls or installing curtain rods or a wall TV mount, you may want to first discuss what kinds of customizations are acceptable and which are not allowed. My experience is that as long as you leave the property in the same condition as when you first entered, you should be good to go.

No matter what your landlord or leasing consultant says, make sure you read the entire lease. Yes, it will be time consuming, and no, it will not be particularly interesting, but it will make you well aware of the expectations the owner has for you as well as the things you can expect from your property owner.

Fun Auto Purchase Ideas…What is a bug worth?

It’s so easy to love a bug. Check out our new value guide

Last July we told you about a new way we’re engaging with members over our shared love of cars: a resource we call the Hagerty Make/Model Price Guide. Our newest guide is all about the VW Beetle. At a time when cars were being built for power and pride, the Beetle made a huge statement by being small and driving slow. And that’s where the fun began.

Our valuebug-value guides were made using the Hagerty Valuation Tools®. It’s easy for you and members to use these …

It’s so easy to love a bug. Check out our new value guide

Last July we told you about a new way we’re engaging with members over our shared love of cars: a resource we call the Hagerty Make/Model Price Guide. Our newest guide is all about the VW Beetle. At a time when cars were being built for power and pride, the Beetle made a huge statement by being small and driving slow. And that’s where the fun began.

Our valuebug-value guides were made using the Hagerty Valuation Tools®. It’s easy for you and members to use these tools to help when quoting Nationwide/Hagerty insurance and to keep track of how values change over time. Use it to engage and retain classic-owning members.

See the VW Beetle guide » 17_oct_hpg_beetle

Ready to discuss auto insurance options for you or your business? Contact our team today at our Denver office at 303-388-7216 or our Castle Rock office at 303-688-1251. You can also send us a message any time and we’ll get back to you as soon as possible.

roofers checklist
roofers checklist

11 POINT CONSUMER RE-ROOFING CHECKLIST

Spring in the Rocky Mountains

That means …crazy weather.

The power of nature can be beautiful, but it can also be destructive.  Many of these storms are chased by good and bad roofing companies. Some are great and exactly what you need, and some are to be avoided. How do you know where to start?

Here’s a checklist to help:

Only accept bids from local contractors you have called. Only accept bids with price, scope of work and materials written on them. Homeowners have a 72-hour rescission/cancellation period. Never sign anything that has a cancellation fee! Request five (5)…

Spring in the Rocky Mountains

That means …crazy weather.

The power of nature can be beautiful, but it can also be destructive.  Many of these storms are chased by good and bad roofing companies. Some are great and exactly what you need, and some are to be avoided. How do you know where to start?

Here’s a checklist to help:

  1. Only accept bids from local contractors you have called.
  2. Only accept bids with price, scope of work and materials written on them.
  3. Homeowners have a 72-hour rescission/cancellation period.
  4. Never sign anything that has a cancellation fee!
  5. Request five (5) local references that the Estimator personally worked with over 1 year ago.
  6. Ask for copies of the roofers Workmen’s Comp. and General Liability Insurance.
  7. Make sure the name on the insurance certificate matches the name of the roofer.
  8. Make sure the roofer pulls a building permit and has the new roof inspected.
  9. Do not pay for material in advance.
  10. It is illegal for a contractor to offer to pay, waive or rebate your deductible.
  11. Never turn over insurance checks or pay any money until the job is complete.

 

Reminder: Homeowners have up to one year to complete roof repairs.

Be patient.

…wait until the rush is over …

you will not regret waiting.

car insurance increase
car insurance increase

What’s Fueling Colorado Car Insurance Rates?

Colorado drivers are likely asking themselves “why are my car insurance rates going up?”

Startling insurance loss trends are emerging that put Colorado in the top ten states for growth in insurance claims and costs to pay those claims.

Coloradans are now starting to see those skyrocketing costs add up to higher insurance premiums and they want to know why. Some quick facts to help you better understand Colorado’s volatile auto insurance marketplace, along with potential solutions that would benefit all Colorado drivers.

Bottom-line: There are more auto accidents and each accident is more likely to end up in costly…

Colorado drivers are likely asking themselves “why are my car insurance rates going up?”

Startling insurance loss trends are emerging that put Colorado in the top ten states for growth in insurance claims and costs to pay those claims.

Coloradans are now starting to see those skyrocketing costs add up to higher insurance premiums and they want to know why. Some quick facts to help you better understand Colorado’s volatile auto insurance marketplace, along with potential solutions that would benefit all Colorado drivers.

  • Bottom-line: There are more auto accidents and each accident is more likely to end up in costly litigation.
    • Colorado ranks 4th in the U.S. for growth in number of auto insurance damage claims filed since 2013 with the 2nd highest increase in collision repair costs. Colorado insurance companies recorded a loss of nearly 18% on physical damage in 2014 (Source: Fast Track Monitoring).
      • Traffic fatalities increased 24% from 2014 to 2016 (Source: CDOT).
    • Colorado’s damaging hailstorms cause millions of dollars in damage annually. September 2014 recorded the state’s 4th most costly hailstorm, a July 2016 Colorado Springs hailstorm resulted in the 6th most costly and 2009 the most expensive hail season with $1.4 billion in insured losses (Source: RMIIA).
    • Colorado’s “Lawsuit Tax.” It’s no coincidence that every time you turn on the TV, radio or see an RTD bus or train pass by there is another trial lawyer ad promising you that suing your insurance company will win you more money than the lottery. Unfortunately, due to Colorado’s lawsuit laws that may be true, but insurance companies aren’t the only ones paying. All Colorado drivers ultimately foot the bill for an out-of-control system pushing insurance costs and rates higher. Marketplace drivers like legislative mandates that incentivize lawsuits and exorbitant jury awards are key cost drivers. Colorado Auto Insurance

Fact Sheet: http://www.rmiia.org/downloads/Auto%20Insurance%20Marketplace.pdf 

Ask your Colorado State Legislators to support and VOTE YES on these 4 Colorado auto insurance reform bills:

  • SB-181 “Phantom Medical Costs”: allows Colorado juries to have access to both billed and actual paid amounts for medical care to make more informed and fair settlement judgments. Juries are currently only allowed to see astronomical medical bills initially charged, but never actually paid to treatment providers. These “phantom costs” dramatically drive up damage awarded by the courts.
  • SB-182 “Uninsured Motorists’ Double Dipping”: allows for an offset with combined coverage in a claim, so when med pay is initially paid by your insurer for medical bills that amount would go toward the total amount of a UM/UIM claim, rather than creating a situation where the settlement is more than limits paid for and creating a double dipping coverage situation. The bill would also no longer allow drivers to “stack” all the uninsured motorist policies in their household to collect multiple coverage for one uninsured motorist claim.
  • SB-191, “Market-based Prejudgment Interest”: Colorado law mandates insurers pay 9% interest on lawsuit awards. Given that most investments don’t provide a return of 9% such a high statutory interest rate creates incentive to file a lawsuit and a disincentive to settle a lawsuit. This bill ties judgement award interest to a market-based index to reflect current economic conditions.
  • “Protection Against Vendor Lawsuits”: disallows third party vendors, such as roofers, auto body repair shops from stepping into shoes of insureds, without their knowledge or permission, to sue insurance companies under a contract that is with the policyholder. Settlements represent at least double damages and attorney fees—legal costs that are passed on to all consumers.

During the past five years, premiums collected by insurance companies can’t keep up with skyrocketing claim costs—costing all Colorado auto insurance consumers higher premiums.

Information & Resources: Property Casualty Insurers Association of America www.pciaa.net

Rocky Mountain Insurance Information Association www.rmiia.org

A nice entry

Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Aenean commodo ligula eget dolor. Aenean massa. Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Donec quam felis, ultricies nec, pellentesque eu, pretium quis, sem.

Nulla consequat massa quis enim. Donec pede justo, fringilla vel, aliquet nec, vulputate eget, arcu. In enim justo, rhoncus ut, imperdiet a, venenatis vitae, justo. Nullam dictum felis eu pede mollis pretium. Integer tincidunt. Cras dapibus. Vivamus elementum semper nisi. Aenean vulputate eleifend tellus. Aenean leo ligula, porttitor eu, consequat vitae, eleifend ac, enim.…

Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Aenean commodo ligula eget dolor. Aenean massa. Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Donec quam felis, ultricies nec, pellentesque eu, pretium quis, sem.

Nulla consequat massa quis enim. Donec pede justo, fringilla vel, aliquet nec, vulputate eget, arcu. In enim justo, rhoncus ut, imperdiet a, venenatis vitae, justo. Nullam dictum felis eu pede mollis pretium. Integer tincidunt. Cras dapibus. Vivamus elementum semper nisi. Aenean vulputate eleifend tellus. Aenean leo ligula, porttitor eu, consequat vitae, eleifend ac, enim.

Continue reading A nice entry