Monday, 11 October 2004 --- Edition #405
AllCovered-NEWS is sent via email to all who request it in “Plain Text” to limit your download times.
-- CONTENTS THIS WEEK—
SMALL BUSINESS:
Overcome Your Number 1 Obstacle
Personal Savings Calculator
TRUCKING:
Another Diesel Price Record
SECURITY:
Smart Tags & RFID
Buzz Clears Aussie Airport
India Port Security
OCEAN & AIR FORWARDING:
Cargo Congestion Pacific-Wide
Port Delay Charges
Ocean Rate Hikes
Air Surcharges
NVO Case At Supreme Court
JUST FOR FUN:
25 Phrases of Wisdom
New Book Titles
NEXT WEEK:
When Employees Leave – Learn From It
AllCoveredNEWS - EASY TO READ & PRINT VERSION:
http://www.allcovered.net/AC-News-PDF.htm
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> > > > > SMALL BUSINESS SECTION < < < < <
SMALL BIZ – OVERCOME YOUR NUMBER 1 OBSTACLE
(From an article by Laura Laaman – link at end)
What is “the” thing that stops countless people from realizing ultimate professional success?
Nothing comes close to the power of your largest obstacle -- fear. Fear is a four-letter word that costs
unsuspecting and unknowing people millions of dollars.
Humans have an important protection instinct -- fight or flight. When we fear something that we believe
can harm or even kill us, our body has two primary reactions: fight (defend our position) or flight (run).
Fear in business can take on many faces.
OWNERS can fear adding staff or even advertising. It's not the fear of the employee or the fear of
seeing one of your ads in the paper. It's the fear of the employee or the ad not working out and losing the
investments.
MANAGERS sometimes fear disciplining unacceptable employee behaviors. Why? Because they fear
the employee will make a scene or quit.
SALES STAFF’S most typical fear is prospecting or cold calling because he or she fears being blasted
with rejection.
--- APPROACH THE FEAR --IDENTIFY WHAT YOU FEAR: Ask yourself what's the worst that can happen if you fail. Most of the
time in business it's either a fear of loss or a fear of potential embarrassment.
IDENTIFY WHAT YOU CAN GAIN if this task or strategy works out well. This positive vision helps
overshadow the negative fear.
WHAT WILL IT COST IF YOU DO NOT OVERCOME FEAR: What is the price is to you or your
family if you don't overcome this fear.
IT’S BUSINESS, NOT PERSONAL: Top salespeople understand that when a prospect rejects them,
it's not personal. But they do take it professionally. They review the call either in their head, or if they were
brave enough to have audio taped themselves (legally of course) while making prospecting calls, they
rewind the tape and critique what they could have done better.
MORE: http://www.bizjournals.com/extraedge/consultants/sell_more/2004/08/16/column131.html
SMALL BIZ – OUTLOOK SPAM UPDATE: For Outlook 2003 users (not for earlier Outlook versions)
there's an update to the junk mail filter available.
MORE: http://support.microsoft.com/?id=870765
SMALL BIZ – TECH – BETTER BROWSERS: Last week we spoke of the new dangers facing
Microsoft’s Internet Explorer as hackers imbed malicious code in pictures to attack holes in IE. There are
many other browsers out there you may never have heard about with names like Opera and Mozilla
Firefox. Learn the good and the bad of IE alternatives at:
MORE: http://reviews-zdnet.com.com/AnchorDesk/4520-7296_16-5534747.html?tag=adss&tag=nl.e501-2
TECH BIZ – EMAIL SCAM PLAYS ON US ELECTIONS: A junk e-mail invites people to dial a pay
telephone number (the caller is charged for calling the number) to express their support for President
George W Bush or rival John Kerry. E-mail filtering firm BlackSpider estimates that almost a quarter of a
million are being sent out every day. The email looks very real. The spoof email reply addresse says
“lycos” but the real source comes from the Czech Republic. The email scam says the votes will be sent to
the campaigns. This latest scam reflects how the nature of spam is changing. In the past, spam was
dominated by pornography. These days spam is a hotbed of financial scams, as well as a black market
for fake pharmaceuticals and software.
MORE: http://news.bbc.co.uk/2/hi/technology/3714944.stm
PERSONAL BIZ – RETIREMENT PLANNING: Wonder how much you’ll need to save for retirement?
Here is a great planning tool… step by step it shows you exactly how much you will need and how much
to save each year.
MORE: www.asec.org/ballpark/
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> > > > > > > TRUCKING SECTION < < < < < < <
TRUCKING – DIESEL UP AGAIN
A year ago a trucker could fill his 150-gallon tank for a little over $200. Now, that same tank full will
cost an owner-operator more than $300 on average – a reflection of runaway diesel prices and a surge of
more than 60 cents a gallon nationally since the fall of 2003.
The national average retail price for a gallon of diesel climbed 4.1 cents in the past week to $2.053, a
new record.
MORE: http://www.etrucker.com/apps/news/article.asp?id=45101
TRUCKING – H-O-S FOR AT LEAST A YEAR: The US House and the Senate passed an eight-month
extension of the federal spending plan for the nation's highways that includes an extension of the current
Hours Of Service regulations.
MORE: http://www.joc.com/20041001/sections/logis/w3312.asp
> > > > > > > SECURITY SECTION < < < < < < <
SECURITY – SMART TAGS & RFID: We went in-depth on “Smart Tags” and RFID last week (See
“Smart Tags Coming” at http://www.allcovered.net/Newsletter/2004/2004-10-04-NEWS.pdf) so this week
links to a useful analysis of what RFID can and cannot do for supply chain security, as well as a look at
the costs and calculations needed for you to make your decisions. Mike
SECURITY – IS RFID KEY TO CARGO SECURITY… OR OVER-HYPED?:
MORE: http://www.eweek.com/article2/0,1759,1667806,00.asp
SECURITY – CALCULATING RFID SET-UP COSTS:
http://www.baselinemag.com/article2/0,1397,1522373,00.asp
SECURITY – TOOL FOR CALCULATING RFID SET-UP COSTS:
MORE: http://www.baselinemag.com/article2/0,1397,1542251,00.asp
SECURITY – RFID LABEL GUIDELINES:
MORE: http://www.ctl.ca/article.asp?id=35571&issue=10082004
SECURITY – “BUZZ” SHUTS AUSSIE AIRPORT
Not all stories about security are life and death.
A vibrating sex toy in a rubbish bin sparked a security scare and shut a regional Australian airport for
almost an hour last Monday.
An emergency was declared at the airport in Mackay, 800 km (500 miles) north of Brisbane after
airport staff heard a strange noise coming from the bin.
Police evacuated the terminal and were about to call in bomb experts when an unidentified passenger
came forward to identify the contents of a package left in the bin.
A police spokeswoman said the package was identified as an "adult novelty device".
MORE: http://news.airwise.com/stories/2004/10/1096883759.html
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SECURITY – CAN YOU AFFORD TO LOSE IT ALL?
----- INVEST IN SUPPLY CHAIN PROTECTION ----The loss from a security breach of just one shipping container could cost companies up to $1-Trillion,
according to an alarming new report from Deloitte Touche Tohmatsu.
The report bases this estimate on the fact that the cost of cyber attacks against companies worldwide
reached $12.5-Billion in 2003.
In 2002, a single case of mad cow disease in cost the Canadian beef industry $2.5-Billion.
The study “Prospering in the Secure Economy,” shows that this issue is increasingly becoming a focus
for companies who see supply chain security as a necessary investment.
“If companies don’t take steps to protect their employees, customers, shareholders, and society from
the risks now inherent in their businesses, they also risk more costly mandated government regulations.
In the new secure economy, CEOs are not only asking themselves how they can increase shareholder
value but, increasingly, ‘What can destroy our brand?’”
The Enron scandal bankrupted one of the world’s largest accounting firms, Anderson.
Could it happen to you?
MORE: http://www.foodnavigator.com/news/printNewsBis.asp?id=55084
MORE: http://www.joc.com/lede/20041006/sections/ecomm/w2196.asp
SECURITY – INDIA: “PORTS CAN DO LITTLE”
In “Is New York Burning?” authors Dominique Lapierre and Larry Collins have Osama bin Laden
smuggling armaments into the US in a shipping container full of basmati rice.
That is not an implausible scenario.
Given the sheer magnitude of the task of checking containers, there is every chance of risky material
entering a country even when consigners have no diabolic intent.
Last week, an explosion in a Ghaziabad, India factory claimed several lives. The factory was
processing military scrap from Iran in which live shells turned up accidentally. What is alarming is that the
container in which the scrap arrived had been cleared without checks at all levels, including Gujarat’s
Mundra port and inland container depot.
Worse, everyone involved in the business… from Customs to port authorities… admits that only a
fraction of the thousands of containers are physically inspected.
MORE: http://cities.expressindia.com/fullstory.php?newsid=102227
SECURITY – 15 CONTAINERS FROM IRAN WITH EXPLOSIVES AT INDIAN PORTS:
MORE: http://timesofindia.indiatimes.com/articleshow/876198.cms
SECURITY – NARITA DEMANDS BETTER CARGO SECURITY: Narita International Airport has asked
airlines to reinforce security to prevent intruders from breaking into aircraft parking areas from cargo
areas. Narita wants more security guards and more security cameras installed.
MORE: http://www.japantimes.co.jp/cgi-bin/getarticle.pl5?nn20041002c1.htm
SECURITY – SENATE GUTS SECURITY AMENDMENTS: The US Senate eliminated more than two
dozen amendments to the National Intelligence Reform Act, including proposals to increase cargo
containers inspections and to remove unclaimed containers from piers.
MORE: http://www.joc.com/20041007/sections/ocean/w15109.asp
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> > > > > > AIR & OCEAN SECTION < < < < < <
AllCoveredNEWS - EASY TO READ & PRINT VERSION:
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OCEAN – CARGO CONGESTION PACIFIC WIDE
It’s not just US West Coast ports. One-by one, like a line of dominoes stretching from Long Beach to
Vancouver to Port Kelang to Chittagong, major ports circling the Pacific Rim are struggling under a surge
in container cargo and a combination of other issues have melded into a sludge clogging the most critical
artery in the global logistics network - the transpacific ocean routes linking Asia and North America.
In Chittagong - the largest port in Bangladesh and the center of the Southeast Asian's country's
export-dependent economy - labor problems, exacerbated by a severe shortage of rail cars, have cut the
port's daily container throughput in half.
Malaysia's largest harbor, Port Kelang (12th busiest container port in the world) has been struggling
with a devils-brew of infrastructure problems that could be compounded if a threatened work slowdown
develops over the next week. The dispute centers on who is responsible for the inputting of the seal and
container booking reference numbers for export containers by shipping agents and carriers.
It’s going to get worse. (It) “…is serious in view of the current peak shipping period as exporters rush
to meet demand for the Christmas and New Year holidays,” says David Lim, president of Neptune Orient
Lines (NOL).
"In America, but also elsewhere, rail services that clear cargo from the ports that were downsized in
recent years now find themselves stretched beyond capacity to cope with double-digit demand growth."
At one point this year, port authorities couldn't get either railroad serving Oakland [the Union Pacific
Railroad and the Burlington Northern Santa Fe Railway] to deliver the cars needed to ship containers off
port property."
The problem is increasingly acute in Southern California where the most recent figures show that the
ports of Los Angeles and Long Beach, combined, handle 70% of the cargo moving between Asia and the
US and a full 40% of the total ocean cargo shipped to the US every year from all over the world.
MORE: http://www.caltradereport.com/eWebPages/front-page-1096908713.html
OCEAN – MORE STAFF BUT BACKLOG CONTINUES IN SOCAL: The hiring of 1,000 dock workers
over the past two months is having virtually no impact on congestion at the Port of Los Angeles-Long
Beach as vessels continue to wait in a long line at the country's busiest container gateway. 81 vessels
were in port Tuesday.
MORE: http://www.joc.com/20041006/sections/ocean/w36021.asp
OCEAN – INDIA’S COCHIN DELAY CHARGES: Carriers using the southwestern Indian Port of Cochin
are considering a surcharge to cover increased costs due to severe congestion at the container terminal.
One consortium has already switched to another south Indian port. The surcharge could come as early as
today and range between $50 and $100 a TEU. There are about 3,500 containers in the port's yard
designed to hold only 1,500 boxes.
MORE: http://www.joc.com/20041004/sections/ocean/w89679.asp
OCEAN – NO NEW HK TERMINAL SOON: Hong Kong will not require a new container terminal until
2015 as current capacity is enough to handle projected traffic, according to the draft of a government
plan.
MORE: http://www.joc.com/20041004/sections/ocean/w91688.asp
OCEAN – SHANGHAI HITS RECORD: Shanghai Port achieved a container throughput of 10-million
TEUs on September 30.
MORE: http://www.jctrans.com/en/EjcFiles/TradPart.aspx?StudID=312
OCEAN – HAMBURG SUD HIKES RATES: Hamburg Sud and Alianca will increase southbound freight
rates from Europe to the East Coast of South America by 200 euros ($246) per TEU, effective 1 January.
MORE: http://www.americanshipper.com/frm2001.asp?Target=NewsFrame.asp?news=18761
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OCEAN – CROWLEY ADDS SECURITY SURCHARGE: Crowley Liner Services plans to implement a
security surcharge for northbound and southbound shipments between the United States and Mexico of
$50 per 20-foot container, $100 per 40-foot box, effective 1 November.
MORE: http://www.americanshipper.com/frm2001.asp?Target=NewsFrame.asp?news=18722
OCEAN – UKRAINIAN PORTS HIKE RATES: The Ukrainian Ministry of Transport and Communication
raised the rates for loading work with foreign trade freights by 15% effective 1 October.
MORE: http://www.interfax.com/com?item=Ukr&pg=0&id=5759894&req=
OCEAN – K-LINE STARTS NEW SERVICE: K-Line will start an additional Asia/US East Coast all-water
service.
MORE: http://www.americanshipper.com/frm2001.asp?Target=NewsFrame.asp?news=18734
SHIPPING AUTOS – I’m shipping an auto for a client. What information do I need? Anytime you move
“used” goods there are added risks.
GO TO: www.allcovered.net
CLICK: “Training & Help” link… then…
CLICK: “What Do I DO?” link…
-- #C4 deals with shipping autos including a pre-shipment survey form – We even have detailed pictures
to help you with proper stowage.
Is your current insurer helping you like this?
www.allcovered.net …… We have logistics allcovered
AIR – LANPERU ORDERED TO SUSPEND: The fate of LanPeru lies in government hands on after a
court ordered its flights suspended -- a move the trade and tourism minister said would have dire
consequences. The ruling from a court in the southern city of Arequipa, handed down in June but only
passed to aviation authorities last week, found LanPeru in breach of rules stipulating how much of its
capital, aircraft and staff should be Peruvian.
MORE: http://news.airwise.com/stories/2004/10/1097180451.html
AIR – LAN CARGO UP 14.6%: Despite service disruptions from hurricanes, Lan Airlines affiliates saw
increased cargo business.
MORE: http://biz.yahoo.com/bw/041008/85499_1.html
AIR – AMERICAN HIKES SURCHARGE: American Airlines' cargo division has increased its fuel
surcharge 20% to $0.12 per pound for US shipments and $0.30/kg for international.
MORE: http://www.joc.com/20041001/sections/air/w34641.asp
AIR – US AIRLINES’ CARGO UP: International air freight and express cargo carried by US airlines rose
11.6% to 999 million revenue ton-miles in August, led by rapid growth in volumes on the Pacific routes.
MORE: http://www.americanshipper.com/frm2001.asp?Target=NewsFrame.asp?news=18719
AIR – CARGOLUX ADDS: Cargolux will launch a third daily nonstop flight from Luxembourg to both
Sao Paulo and Curitiba in Brazil 23 October.
AIR – AIRLINES RAISE FARES: Airlines have tried and failed in the past to raise fares to offset higher
fuel costs. Analysts feel the latest round of hikes pushed by American over the last two weeks totaling
$20 roundtrip may well stick. Continental Airlines, America West, Delta Air Lines, United Airlines and
Northwest Airlines matched the latest increase.
MORE: http://biz.yahoo.com/rb/041008/airlines_fares_1.html
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AIR – UNITED CUTS CAPACITY: Citing "fundamental changes in our industry, including ongoing high
fuel costs, intense pricing pressure and continuing overcapacity," United Airlines unveiled plans to cut
domestic mainline capacity (ASMs) by 12% while boosting international ASMs by 14%.
MORE: http://www.atwonline.com/indexfull.cfm?newsid=4616
MORE: http://news.airwise.com/stories/2004/10/1097060789.html
NEED INSTANT HELP?: Need a quick answer to a question?
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TRADE – MORE FREIGHT SHIFTING TO AIR: Congestion at US West Coast ports is prompting
shippers and forwarders to divert some cargo that normally moves by ocean to airfreight. "It's very clear
that this situation is creating a surge in airfreight demand," says Doug Xavier, Panalpina's director for
Asia-Pacific business development.
MORE: http://www.joc.com/20041004/sections/air/w27340.asp
TRADE – POOR US INFRASTRUCTURE HURTS TRADE: China's containerized trade is expected to
reach 100 millions TEUs by the end of this decade, but American shipping executives say the US won't
be able to handle its share of that traffic without substantial improvements to the container supply chain.
"We need more productivity per acre. We need to move vessels faster," he said. "It's not enough just to
dredge channels and develop efficient shoreside terminals. We must address the rail infrastructure issue.
We need to address highway congestion,” said one.
MORE: http://www.joc.com/20041007/sections/trade/w19160.asp
TRADE – SCOTUS HEARS NVO BOL CASE: The US Supreme Court will hear a case expected to
decide whether or not a non-vessel-operating common carrier (NVOCC) may issue its own bill of lading,
or if is acting as the shipper's agent when contracting with a vessel-operating carrier. At issue is whether
state law or federal law govern. The case has been carefully watched by NVOs, since a ruling could affect
their status as independent carriers.
MORE: http://www.joc.com/20041006/sections/ocean/w32438.asp
TRADE – BUSH & KERRY ON SECURITY: President George Bush and Democrat rival John Kerry
spent less than three minutes in their first debate on issues of supply-chain and transportation security.
MORE: http://www.joc.com/20041004/sections/ocean/w90220.asp
TRADE – COURT FIGHT OVER ISRAELI PORT STRIKE: The Israel Ports Authority petitioned the
Haifa District Labor Court for an urgent injunction against a strike that began in Haifa Port before the
Sukkot holiday. The strike is continuing. Ships are lining up to be unloaded at the port. Last month, a fourweek strike by workers at all three state-owned ports (Haifa, Eilat and Ashdod) over newly passed laws
that call for the ports to be run independently, with the view to eventual privatization, was brought to an
end after the labor court managed to broker a settlement between the Finance Ministry and the port
workers.
MORE: http://new.globes.co.il/serveen/globes/docview.asp?did=841957&fid=942
MORE: http://www.haaretzdaily.com/hasen/spages/484994.html
TRADE – NAFTA TRANSPORT AND TRADE SITE: Canada, the United States and Mexico have
launched a new trilateral website that provides statistical data on North American transportation and
trade.
MORE: http://www.ctl.ca/article.asp?id=35348&issue=10042004
MORE: http://nats.inegi.gob.mx/nats/default.asp?i=i
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TRADE – CHITTAGONG DISMISSES BRIBES REPUTATION: The Chittagong Port Authority
dismisses as “false, fabricated, baseless and misleading” a report of the Transparency International,
Bangladesh that claims CPA staffers and the customs department take bribes and tips every year from
importers and exporters. The TIB survey report also termed the port the world’s second most risky port,
where cost of service is the highest in the world… and calling the port as the world’s most costly and
inefficient seaport.
MORE: http://www.matamat.com/fullstory.php?gd=24&cd=2004-10-03
TRADE – NAMING AND SHAMING COUNTERFEITERS: The Bush administration has stepped up its
efforts to combat counterfeit goods. "The message to the IPR (intellectual property rights) pirates and
counterfeiters is simple -- we will do everything we can to make their life miserable," said US trade
representative Robert Zoellick at a briefing. "We will stop their products at our border; we will name and
shame your company; we will ratchet up the penalties; and we will coordinate with our trading partners to
prevent third-country trafficking."
MORE: http://www.americanshipper.com/frm2001.asp?Target=NewsFrame.asp?news=18728
TRADE – SPEEDING GOODS TO IRAQ: America’s troops are receiving necessary equipment and
supplies more quickly and predictably, thanks to Defense Logistics Agency and Air Mobility Command
officials’ efforts to improve their processes for packaging and moving military cargo. Some of these tools
and processes can transfer to commercial traffic.
MORE: http://www.af.mil/news/story.asp?storyID=123008851
TRADE – CNF SELLS MENLO TO UPS: CNF entered into a definitive agreement with UPS under
which UPS will purchase CNF's Menlo Worldwide Forwarding business for $150 million in cash plus the
assumption of approximately $110 million of debt. The purchase includes Menlo Worldwide Forwarding's
air and ocean forwarding operations, North American services and facilities, operations hub in Dayton,
Menlo Worldwide Expedite! and Menlo Worldwide Trade Services.
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> > > > > > > > > JUST FOR FUN < < < < < < < < <
(These are shared by readers – Please share yours. Thanks. Mike)
AllCoveredNEWS - EASY TO READ & PRINT VERSION:
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25 PHRASES OF WISDOM
1. If you're too open minded, your brains will fall out.
2. Age is a very high price to pay for maturity.
3. Going to church doesn't make you a Christian any more than going to a garage makes you a
mechanic.
4. Artificial intelligence is no match for natural stupidity.
5. If you must choose between two evils, pick the one you've never tried before.
6. My idea of housework is to sweep the room with a glance.
7. Not one shred of evidence supports the notion that life is serious.
8. It is easier to get forgiveness than permission.
9. For every action, there is an equal and opposite government program.
10. If you look like your passport picture, you probably need the trip.
11. Bills travel through the mail at twice the speed of checks.
12. A conscience is what hurts when all your other parts feel so good.
13. Eat well, stay fit, die anyway.
14. Men are from earth. Women are from earth. Deal with it.
15. No husband has ever been shot while doing the dishes.
16. A balanced diet is a cookie in each hand.
17. Middle age is when broadness of the mind and narrowness of the waist change places.
18. Opportunities always look bigger going than coming.
19. Junk is something you've kept for years and throw away three weeks before you need it.
20. There is always one more imbecile than you counted on.
21. Experience is a wonderful thing. It enables you to recognize a mistake when you make it again.
22. By the time you can make ends meet, they move the ends.
23. Thou shalt not weigh more than thy refrigerator.
24. Someone who thinks logically provides a nice contrast to the real world.
25. Blessed are they who can laugh at themselves for they shall never cease to be amused.
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NEW BOOK TITLES
The French Chef - by Sue Flay
Unemployed - by Anita Job
Off to Market - by Tobias A. Pigg
I Lived in Detroit - by Helen Earth
Inflammation, Please - by Arthur Itis
Handel's Messiah - by Ollie Luyah
Downpour! - by Wayne Dwops
Cloning - by Ima Dubble
Irish Flooring - by Lynn O'Leum
Holmes Does it Again - by Scott Linyard
Home Alone IV - by Eddie Buddyhome
Neither a Borrower - by Nora Lender Bee
The Scent of a Man - by Jim Nasium
Is O. J. Guilty? - by Howard I. Know
Animal Illnesses - by Ann Thrax
French Overpopulation - by Francis Crowded
Fallen Underwear - by Lucy Lastic
House Construction - by Bill Jerome Home
Yellow River - by Iam Ping
Lewis Carroll - by Alison Wonderland
Leo Tolstoy - by Warren Peace
The L. A. Lakers Breakfast - by Kareem O' Wheat
Why Cars Stop - by M. T. Tank
Wind in the Willows - by Russell Ingleaves
Look Younger - by Fay Slift
Mountain Climbing - by Andover Hand
It's Springtime! - by Theresa Green
No! - by Kurt Reply
Shut Up! - by Sid Downe
40 Yards to the Latrine - by Willy Makeit and Betty Wont
If you have curious or interesting or funny or thoughtful items that might be good in “Just For Fun”, Email them to
[email protected] . Thanks.
AllCovered-NEWS is a weekly service for clients and friends of Allcovered.net. It is intended to help our clients be more effective and better informed than their competition. If you have not received AllCoveredNEWS before, you are receiving today either because you signed up, or a friend recommended you. We hope AllCovered-NEWS is a valuable resource for you. If you wish not to receive AllCovered-NEWS,
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Information for this week’s AllCovered-NEWS was gleaned primarily from:
Air Transport World = http://www.atwonline.com
American Shipper = www.americanshipper.com
Business Times of Asia = http://business-times.asia1.com.sg/
The Economist = http://www.economist.com
Financial Times of London = http://www.ft.com
Journal of Commerce = http://www.joc.com
Logistics News = http://www.logisticsnews.com
Trucking Info = http://www.truckinginfo.com
The Trucker = http://www.thetrucker.com
Additional information comes from our own and other sources.
This information has been edited for length and to make it more relevant for our clients.
We thank these news sources for allowing us to use their material and urge you to support them.
This information is believed accurate but is not guaranteed.
Copyright 2004 – Allcovered.net & The Allen Insurance Group
All Rights Reserved
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