Seven Great Quotes From Martin Luther King

There are plenty of great quotes from Martin Luther King out there, but here are 7 of our favorites that inspire us. We hope they’ll inspire you, too.

“Darkness cannot drive out darkness; only light can do that. Hate cannot drive out hate; only love can do that.”

“Faith is taking the first step even when you don’t see the whole staircase.”

“The ultimate measure of a man is not where he stands in moments of comfort and convenience, but where he stands at times of challenge and controversy.”

“A man who won’t die for something is not fit to live.”

“I have decided to stick with love. Hate is too great a burden to bear.”

“Our scientific power has outrun our spiritual power. We have guided missiles and misguided men. “

“Our lives begin to end the day we become silent about things that matter.”

Reprinted From the Web Site All Pro Dad http://www.allprodad.com

The Most Wonderful Time of Year

WreathWhat a great time of the year for young and old.  Christmas brings such excitement and joy all over.  While it is easy to get caught up in the craziness of the holidays, it is important to remember that this is a time of reflection, love, joy and happiness.

Owens Insurance Agency is closing in on the end of our 60th year in business.  We would like to take this time to thank all of current and past customers and current and past staff for helping us remain a strong part of the Greer community.  We wish you all a very Merry Christmas and a prosperous and safe New Year.

 MERRY CHRISTMAS!!!!

The Automotive Industry in a Right to Work State

I just came from a breakfast honoring two retirees from BMW located here in my hometown of Greer, SC.  After 20 years of service to our community, BMW is still having a huge impact in our community, in our region, and in our state.   With all the recent clamor in Michigan about right to work, it is amazing to me that no one nationally points to the Upstate of SC as an example of how the automotive industry can exist and even thrive without the hint of a union.  While most American car manufacturers struggle to stay afloat, our own BMW continues to record profits and expand its footprint. 

How can any entity argue for the case of union labor? BMW, Boeing,  and other non-union corporations in our state succeed and thrive.  Not only are the companies doing well, but the employees are thriving.  When this occurs in unison, the surrounding restaurants, malls, and even insurance agencies also succeed.  This is the basis of true economic development.

I am thankful that BMW chose SC 20 years ago.   I am thankful that they brought the Tier 1 and 2 suppliers with them.  I am thankful for their commitment of  time and resources to our community.  But mostly I am thankful for their commitment to their employees and company and the right to work policies afforded to them.

 

 

SOME FISCAL CLIFF SCENARIOS

What could play out in the near future?

Presented by Buddy White

Will 2013 be as severe as some economists think? The fiscal cliff is getting closer and closer. How will Congress respond?

In the worst-case scenario, Congress argues and deadlocks. Tax hikes and roughly $109 billion in federal spending cuts take a bite out of GDP and another recession becomes a possibility.1

There are other possibilities, however. The fiscal cliff may yet be averted, or at least we might back away from its edge. One of several scenarios might come to pass.

Scenario A: Congress buys time. Many analysts think this is exactly what will happen. Congress is in a lame-duck session. The option for legislators to “pass the buck” may prove tantalizing. So we could see a short-term, stopgap deal with the idea that the next session of Congress will tackle the problem later in 2013. The debt ceiling could be raised, and a “down payment” might be made on longer-term liabilities.1

Scenario B: Congress can’t make a deal. This may not be so improbable; if you remember the “super committee” assigned to craft a deficit reduction plan in 2011, you will also remember that it didn’t accomplish the set task. In fact, we are facing the fiscal cliff because of that committee’s failure.2

The “fiscal cliff” already amounts to Plan B. When Congress and the White House reached an accord to raise the debt ceiling back in August 2011, $1 trillion in federal spending cuts were greenlighted and Congress was told to find $1.2 trillion more to slash. As that didn’t happen, $1.2 trillion in automatic cuts are set to begin next year. So Congress would actually be following federal law if it did nothing to respond to the issue.2

Doing nothing seems unsuitable, but there is the risk that history could repeat itself. Election outcomes may alter political assumptions and interfere with consensus. If it looks like we will go over the cliff in the waning days of 2012, there is a strong possibility that the incoming 113th Congress could vote quickly to reinstate select spending levels and tax breaks. That might mute some of the clamor from global financial markets.3

Scenario C: Middle ground is reached. Some degree of compromise occurs that leaves no one particularly satisfied. Certain short-term provisions are phased out, such as the payroll tax holiday, the recent increases for small business expensing, and assorted tax credits and tax breaks for education. The Bush-era tax cuts are preserved (at least temporarily) for the middle class, but rates rise for those making $1 million or more per year. The clock turns back to 2009 with regard to estate taxes. The rich face higher taxes on capital gains and dividends. Perhaps some defense cuts are postponed.

Scenario D: The “Grand Bargain.” Congress and the White House boldly arrive at a something more than an incrementally enacted deficit reduction plan. They reach a “grand bargain,” a deal designed to cut the deficit by $4 trillion by the mid-2020s, after historic, long-range compromises are made to reach stability on assorted tax and spending issues. With a lame-duck Congress, this may be a longshot.1

Scenario E: The “Down Payment.” Legislators could always tear a page from another playbook in trying to solve this problem. The Bipartisan Policy Center, for example, thinks a “grand bargain,” or anything approximating a real deal on the fiscal cliff, is unlikely given the short interval between the election and 2013. It recommends a “down payment” of deficit cuts that could be approved by a fast-tracked simple majority vote. If Congress didn’t take further steps to cut the deficit next year, then certain tax breaks would disappear and cuts would hit social welfare programs (excepting Social Security).2

Whatever happens in Washington, this is a prime time to consider financial moves with the potential to lower your taxes and insulate your wealth. Explore the possibilities before 2013 arrives.

Buddy White may be reached at bwhite@flynnwealth.com or by contacting either of his assistants, Joyce Allison or Tyler Holseberg. They can set appointments at 864-968-2319.

This material was prepared by MarketingLibrary.Net Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. All information is believed to be from reliable sources; however we make no representation as to its completeness or accuracy. Please note – investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.

Citations.
1 – articles.marketwatch.com/2012-10-25/economy/34719282_1_fiscal-cliff-tax-cuts-defense-cuts [10/25/12]
2 – thehill.com/blogs/on-the-money/budget/262893-bipartisan-policy-center-floats-fiscal-cliff-solution [10/12/12]
3 – http://www.salon.com/2012/11/01/a_look_at_3_scenarios_as_the_fiscal_cliff_looms/singleton/ [11/1/12]

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Who Needs Life Insurance??

Who needs life insurance????

The life insurance purchase begins by uncovering who needs life insurance. The need for life insurance will be at different stages of people’s lives. Some to consider are:

Children – Securing permanent life insurance while young and healthy means coverage is in place for a lifetime, regardless of changes in health. Insurance rates are based on age. The younger the insured the lower the premiums

Young Adults – They often have a lot of debts (car, school, mortgage). They usually don’t realize that if they pass away, someone will still have to pay off these debt obligations. Life insurance protection can fill this gap and provide future financial security as their lives change.

Beginning & Established Families – Many families rely on both spouses’ income for financial planning. Life insurance can secure a family’s current living standards and future stability.

Single Parents – A 2011 study identified children of single parents are at a higher risk of being without insurance. Purchasing life insurance as a sole caregiver ensures their children have options for the future.

Stay At Home Parents – Monetary value can be placed on childcare, cleaning and meal preparations. These services are often underestimated in life insurance planning. The surviving spouse would likely have to pay for these services should anything happen to the stay at home parent.

Business Owners – A business needs to continue without interruption. Life insurance can be purchased as a buy/sell agreement and key person insurance for business owners, partners and key employees providing options for ongoing operations.

Retirees & Seniors – Retirees and Seniors may no longer have debt obligations, but many still have a need for life insurance to cover final expenses. Final expenses can include funeral costs, estate administration and taxes, which typically start at $10,000.

There are so many that you could be asking if they have life insurance. We all know someone that could use life insurance. It can be as simple as “Just Asking!” We would not want our future Linebacker, Cheerleader, Soccer Player not to be able to secure their dreams. It’s up to you to help fulfill these dreams by offering a life insurance policy. Just Ask!

Just Ask someone at Owens Insurance Agency how we can help you protect those that are most important to you. Please forward this or post this to anyone you know.

South Carolina Ranks No. 2 As Best State For Business

The Palmetto State moved up from fourth place in the annual rankings published by Area Development magazine, which surveyed site consultants. The editors cited the state’s strong business and labor climate for attracting new investment.  For the entire article please visit the following link https://www.columbiabusinessreport.com/news/45616-s-c-ranks-no-2-as-best-state-for-business 

As seen in the Columbia Regional Business Report