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Monthly Newsletter – March 2013

A few things in life are “givens.”  Some of the “givens” I’ve come up with are:

Puppies are cute and can boost any mood.  Well, except when it comes to their handling of your carpet, or your shoes that are now open-toed when they weren’t before.  Then the given is the kennel.

Everyone loves the weather.  That is, until they have to turn on the heater or air conditioner.  Or, until they have to shovel snow or apply aloe-vera to the sunburn.

Death and taxes (sorry, can’t always be chipper).

However,  The biggest “given” would have to be the poll of where the happiest state to live is…no surprise that it’s Hawaii.  Why?  Well, because it’s Hawaii.  Hard to be grumpy when you wake up to crashing ocean waves, mangos, and fruity drinks (not going to regulate what’s actually IN your fruity drink…it’s your fantasy, too).

Health Care Reform is also new “given” that some didn’t anticipate or plan for – there is a lot of information (and misinformation) out there regarding its implications, taxes, mandates, and flying monkeys.  No, there aren’t any flying monkeys, just making sure you’re still paying attention.

Rest assured, you have an advocate in Health Care Reform.  If you don’t already know, ACS Insurance has a bi-weekly video series specifically on the changes to Health Care Reform so you can spend more time doing what you do best (even as it applies to fruity drinks).  Here’s the link to the video series: http://www.youtube.com/user/acsinsurance

Speaking of monkeys, this month’s made-in-Nevada winner is April Hackett with Monkey Wrench.  Monkey Wrench is a locally owned and operated repair shop that does everything from oil changes to engines.  You can reach April at (775) 827-5251 to make an appointment for their shop located at 3075 S. Virginia Street in Reno.  April has been a long-time client of ACS Insurance, and just increased some of her benefits (and her chances of winning this prize).

You too can become part of the givens and get in our monthly drawing by liking us on facebook, call for a quote, or refer someone to our agency.  I’ve even made it easy to like us on facebook – just click on the icon to the left.  You know I’ll keep nagging until we’re liked by all!

Until next month,


Monthly Newsletter – February 2013

It’s February, which means that love is in the air.  Not quite sure what that actually means, since it appears that the only thing that’s in the air lately is the flu bug.  So maybe flu is in the air, but we’re suppose to think about love and giving our heart away.  So if we gave our heart away, we’d be a cold, lifeless person – yeah, that’s something to love…

So this month I thought I would talk about some things that you should love…like your insurance broker.  I know, it sounds a little corny or untraditional (and we don’t expect flowers or chocolate, but would be nice on occasion…hint, hint).

Why love your broker?  Here are some reasons in case you didn’t know how wonderful we can be (without flowers and candy):

1)    All brokers get the same rates from the insurance carriers, but not all brokers provide the same service.  How many times have you called and called without a return call or an email goes unanswered?

2)   It costs you absolutely nothing to have a broker.  Having a broker won’t raise your rates.  The insurance carriers have the same premium rates with or without a broker.

3)   Brokers are cool because we can usually resolve issues you’re having with billing, premiums, or lost ID cards without waiting on hold or knowing which number to press for English.

4)   Brokers can help to shop the market – whether or not you’re satisfied with your current plan – we can help to find the best rate and plans for your current lifestyle.

Hope this was insightful and full of love, squishy feelings and utter bliss.

Speaking of utter bliss, we have a new sponsor!  Newman’s Natural Carpet Care!  Newman’s is an environmentally friendly quality carpet & upholstery cleaning company…you can reach them at NewmansNatural.com or by calling (775) 626-5550.  Not only are they a new sponsor, but they’re a client of ACS Insurance, and I’m a client of theirs!

This month’s made-in-Nevada winner is Carrie Kester.  Carrie gave a referral to ACS Insurance which made her eligible for the drawing.  Carrie also stated that she was glad I called because it’s her year to re-do her insurance and have us double-check her life and health policies.  Now there’s someone who knows the value of a broker! You too can know the value of a broker and be in the drawing by liking us on Facebook, referring a client, or calling for a quote.

On a side note, it’s pretty funny that Valentine’s Day is also National Organ Donor Day – I guess you really can give your heart away.

Until next month,

Whose heart is intact and has disinfectant spray.

Monthly Newsletter – January 2013

It’s January.  That usually means New Year’s Resolutions.  I don’t know about you, but I usually don’t make resolutions; more than anything because I don’t want to disappoint myself or have to reform into some life-altering state.

That said, I have decided to make some resolutions that I KNOW I can keep.  Just because I value YOU, I thought I would share so you can make your own list, as well.

1)    I resolve not to rob any banks (…only good until December 31st, then I will have to re-evaluate for next year’s resolution).

2)   I resolve to not move to the Bahamas and enjoy little fruity drinks with umbrellas, or have my cabana boy (fairly easy one to keep since there isn’t an SPF that will guard my skin from the sun – but then I would have a cabana boy…).

3)   I resolve to not use any non-organic chemicals on my Lamborghini (don’t own one, so this is easy as well – the car, not the wax).

4)   I resolve that I won’t chew my nails over Health Care Reform.  (I didn’t say that I wouldn’t restlessly stew over it, or stay up night worrying, just said that my fingernails were safe).

5)   I resolve that I will keep writing these silly eblasts, as long as you keep reading them (heck, you’re on #5 so I think I’m safe on this one, too).

If you’ve made a New Year’s Resolution, let me know and I’ll enter you in this month’s drawing.  Whether you keep it or not, is up to you, God, and The Mayans (wait, we can leave them out of the scenario since they didn’t know how to count anyway, right?)

If you are still contemplating (or procrastinating) on a New Year’s Resolution, why don’t you let me help you?  It is easy to call our office for a new health or life insurance quote.  Or, maybe it’s time to just re-evaluate your current policy and see if it still fits with your life.  I recently got my life insurance policy; was easy, and the staff was amazing to deal with (another resolution: to put the ego in-check).

Speaking of drawings, this month’s winner is Stephanie

Smith-Hart who was entered by referring someone to our agency for a quote.  However, since Stephanie is out-of-town this month and I wasn’t able to get a picture of her,  so you get one of just me…

As always, if you want to be part of our drawings, just like us on Facebook, refer a friend, or call for a quote – even this could be your New Year’s Resolution.

Just in case you missed previous e-blasts and silliness… you can find them here on our Blog.

Until next month,

“Silly people, serious about insurance.”

(Who is checking her passport now to see if a cabana boy can be considered as checked luggage.)

Monthly Newsletter – December 2012

I finally figured out what is wrong with kids these days and where the root of their problem lies.  

It has absolutely nothing to do with peers, schools, or even parenting (Whew! We all got lucky on that one!)

It has everything to do with Christmas. 

That’s right – Christmas has corrupted our children’s minds. Since its Christmastime, all of the old classic Christmas songs are now playing 24/7 on the radio; but have you ever stopped to listen to the words being crooned over the airwaves?

For instance, we tell our children not to talk to strangers, but it’s perfectly acceptable to go off and run downtown with a guy named Frosty because he’s going to melt away?  Really? And we’re worried about kids not being realistic and what about possible drug use?  Who melts anyway?  Ok, other than the Wicked Witch of the West, but that’s another season altogether.

Now let’s talk about children’s attitudes and their demanding demeanors. The other song I heard went something like this: “Now bring us some figgy pudding, now bring us some figgy pudding (like we didn’t hear it the first time) followed by: “We won’t go until we get some, we won’t go until we get some.”  Lord knows we have to do the repeat-thing when it’s time to clean the bathroom, but pudding? And what is figgy pudding, anyway?  Sounds like it might be the fruitcake’s cousin.

Speaking of insurance…no, the above has absolutely nothing to do with insurance – except the fact that when you call our office for that life and health quote, we won’t demand anything of you, although we are over 40, which means we have a tendency to repeat things.  Which means we have a tendency to repeat things (see?)

This month’s made-in-Nevada winner is Becky and Mike Contos.  Becky & Mike have already known the benefits of ACS Insurance, but added another policy which is how they were entered in the drawing.  Don’t forget to refer someone to ACS, call for a quote, or like us on Facebook and you’ll be entered as well.

Grace with Mike Contos, this month's winner, and our newest staff member "Sheldon"

In all sincerity, the folks at ACS Insurance hope you have a very Merry Christmas and a Happy New Year!!

Until next month,

“Silly people, serious about insurance.”

(Who used to want a man who would take her breath away and buy her things for Christmas; now only wants a man who is breathing and can fix things.)

Monthly Newsletter – November 2012

November is a time to look back and reflect on the things that we are truly thankful for, such as:

  • We are thankful that we are NOT what we eat at Thanksgiving – unless you skip the turkey, and only eat the sweets.
  • We are all thankful that the election, its commercials, mailings and incessant phone calls are over.
  • We are thankful that there are health insurance brokers that understand Health Care Reform (ACS Insurance) which leads me to the following statement about Obamacare:

What I can say for certain is that whether your guy won or lost, health insurance as we know it has changed.

There is no better time to have an insurance broker that understands the provisions of the new law and how it pertains to you than now.

Here’s why you should have health insurance, or offer it to your employees:

  • Life is uncertain, and comes with many hiccups – and you never know when you will develop chronic hiccups. One man lost over 50 pounds in three years with hiccups – which is not recommended as a form of weight loss – health insurance is recommended instead.
  • Truth be known, the world is filled with bad drivers, careless neighbors, and clumsy family and friends. Make sure that their errors don’t leave you without coverage (of course it’s them and not you).
  • Having health insurance is like having a little more security when life’s unknowns come your way. Hopefully we will only ever talk good cholesterol, negative test results and healthy babies. But unfortunately, the other stuff happens, too.

I hope that you like this new eblast format…helps with the technologically challenged persons (me). I am also showcasing the made-in-Nevada items that are put into our monthly drawings. If you want to be part of it, let me know. Heck, I’m not shameless, if it’s made in Utah, Georgia, or even Yugoslavia, I’d be good with promoting that as well. Who says I can’t be bought?!?!

Speaking of Made-In-Nevada, this month’s winner was Rhonda Gerych of Cathexes, who is not only a client of ACS Insurance, but won because she told me she voted.   

Cathexes is a highly awarded architectural and planning firm in Northern Nevada that has specialized in Architecture, Planning, and Interior Design since 1985.

Cathexes is working to import innovation and technology that will enhance the business and cultural development of the Northern Nevada region. You can reach them at (775) 329-3341 or by visiting their website: www.cathexes.com.

Rhonda from Cathexes

As always, if you want to be part of our drawings, just like us on Facebook, refer a friend, or call for a quote – and you can be thankful as well.

Just in case you missed previous e-blasts and silliness… you can find them here on our Blog.

Until next month,

“Silly people, serious about insurance.”

Monthly Newsletter – June 2012

I would like to make an observation that if you are ever discouraged with your job, think about how bad baseball players have it.

I am not talking about their major salaries, crazy lifestyles, or trophy wives. I am talking about the information that we receive prior to them coming to work which is just basically getting on the field.

Can you imagine going to work and the minute you walk in the door, your height and weight are announced to EVERYONE? And, how about those mistakes we occasionally make (some of us more occasionally than others)? Not only do baseball players have all their errors known to the world, but they also have how many errors they have made in their career. I couldn’t imagine mine – “Grace made 4,236 typing errors this yeer” (oops – another one!) and now is on suspension due to failing a caffeine test. We don’t even need to get into the personal injuries that are endured – not to mention the over-the-top information we hear about their groins.

Speaking of personal injuries (sorry – it’s my job to talk about insurance somewhere) did you know that ACS Insurance can give your group a quote on disability or other supplemental insurance for use when you do have an injury? It’s an important aspect of health insurance, knowing that a supplemental plan will fill in before your deductible kicks in, or before you get kicked in the — (refer to the baseball terminology above).

Big's Bees NV Honey
Big’s Bees NV Honey

This month’s winner is Danielle McVickers. Danielle is not only a current client of ours – but won because of the referral she sent to ACS Insurance. Thanks Danielle! That was the sweetest compliment!

Speaking of sweet…I have a new honey. Well, not me actually, but our Made-In-Nevada prize now contains raw HONEY (still not me). Big’s Bee’s Local Nevada Honey (www.bigsbees.com) is made in the Reno/Sparks area! The other buzz is the Old West Barber Shop that also got into the mix (www.oldwestbarbershops.com) for an $80 gift certificate! So, whether you need a buzz, or like the bees’ buzz, we’ve got you covered for the monthly drawing, along with all the other cool stuff we throw in!

If you want to be entered into this month’s drawing, all you need to do is “like” us on Facebook (there isn’t a “love” button yet), call for a quote (we don’t bite), or refer someone to our agency (the highest compliment!). Aaaaaand since baseball season is in full swing, if you want to email me your favorite part about baseball, I will enter you as well. If you don’t like baseball, then you can email me your own latest buzz, as long as it’s not too sticky, too sweet, and definitely not too raw.

Until next month,
“Silly People…Serious about Insurance.”
Grace Jeter (Trophy Wife In Waiting)

Monthly Newsletter – May 2012

May has to be one of the strangest months, given the combination of events that occur. What other month has a religious event (National Day of Prayer) that falls within two days of the biggest drinking day (Cinco de Mayo)? Maybe they do go together, like birds and worms – I have been TOLD (wink, wink) that some worms are in tequila bottles.

Two events that DO go together in May are: National Barbeque Month and Memorial Day. Those two go together like birds and birds, or better yet, eagles and eagles.

Speaking of Memorial Day, last May, ACS Insurance supported the Veterans Guest House by giving away flags for those who supported our veterans.

This year, if you make a donation to the Veterans Guest House, we will come by to personally PICK UP your donation and give you a flag – these are not the little flags handed out at parades, either! We will also give you a receipt (because we all looooove the IRS!) AND you will be entered in our monthly drawing. The Veterans Guest House is looking for many items, not just monetary (although cash is still king…), here’s a link to the list of needed items: http://veteransguesthouse.org/pdf/wishlist.pdf

I know you’ll join us in making some substantial donations. Yes, we are very happy picking up any supplies, but maaaaaybe not last year’s calendars, thermal fax paper rolls, or used post-it notes.

I also thought I would clarify a few things regarding HealthCare Reform. Not to worry, I will not go into the details of the 2,074 pages (because I heard no one really knows what’s in it), or talk about the possible implications of the bill.

What I will do is give you a health tip for this month that was passed along to me: If you can’t afford a doctor, go to an airport – you’ll get a free x-ray and breast exam, and; if you mention Al Qaeda, you’ll get a free colonoscopy. (I normally don’t use someone else’s words when writing, but that was too good to pass up). Sort of like passing up garlic bread when you’re having spaghetti because you’re trying to stay away from the carbs…doesn’t make sense.

Here’s another insurance tip – if you are curious as to what “in-network” and “out-of-network” means – it is as easy as going to the carrier’s website and finding a doctor on your current plan. As a side note, just because a Doctor’s office says that they will take/bill your insurance, does not mean that they are a preferred provider – and you could possibly pay more than you should.

AEM GoldSpeaking of not paying more than they should, this month’s winner is our client, Agnico-Eagle. Agnico-Eagle is a Canadian based gold producer, established in 1972 and they have been in Reno for 12 years. If you would like to learn more, you can contact them at (775) 828-6070 or through their website: www.agnico-eagle.com.

Wow – we’ve covered a lot of bases this month, from Eagles to gold, with our veterans in the middle of these two beauties – a perfect combination.

Until next month,
“Silly People…Serious about insurance.”
Grace – Parakeet

Monthly Newsletter – April 2012

Since it is spring, I thought I would pass along the “New Spring Rules for April, 2012”

  • Change the batteries in the smoke detector. My neighbors are the only ones on the block who wish mine would die – as it usually goes off around dinnertime. Every night.
  • Have Andy take a look at your life insurance policies. Hopefully there aren’t terms in your policy that will expire before you do.
  • Bring out the cushions for the backyard furniture. I brought mine out last weekend, which should sufficiently ward off any possible snowfall that is anticipated in the next few days.
  • Make a map of where you hid those Easter eggs. This is especially true if you’re over 40, have cataracts, or an overly-eager dog that likes eggs, too.
  • Do your spring cleaning. Never mind this one – just sounded like it needed to go in this category – but no one wants a list to clean. Wait until fall, and then you will find that you didn’t need to clean in the spring after all.
  • Rearrange your living room furniture. Back in the ‘80s when I was a teenager, we rearranged our living room and found an egg that was colored and beautiful, but was just, well, old.
  • Considering that I am the youngest of four, and I was a teenager, it had been awhile since Easter Bunny visited. I won’t even go into the fact that obviously under the couch had not been vacuumed in as many years, either.
  • After reading the above, put spring cleaning back on the list.

Maybe that’s what spring cleaning is all about? Not getting spring clothes out, but finding missing Easter eggs, sort of like finding that you will get a tax refund – it’s unexpected. Some of us – (me) – know the words ‘refund’ and ‘IRS’ are never in the same sentence.

If you are lucky enough to get a tax refund, instead of doing something frivolous with it, why don’t you let Andy show you some options to make your refund work for you? Andy can help you take your retirement and savings to a whole new level.

Don’t just take my word for it that Andy knows what he is talking about. We received this testimonial last week from Mistia: “I was really struck by the fact that you don’t represent just one life insurance company and you know so much about so many different plans. If there is anyone I would like to work with, it is you.”

Reno Sparks Cab

Here is someone else that also likes to work with us; and coincidentally is this month’s e-blast winner: Reno Sparks Cab Company. (775) 333-3333 www.renosparkscabco.com – they have been in business since 1979, founded by Roy Street. This family operated business would love to have your business as well.

If you would like to be part of our monthly drawing, just refer someone to our agency, call for a quote, or like us on Facebook.

Until next month,
“Silly people, serious about insurance.”

Monthly Newsletter – March 2012

Triskaidekaphobia is the fear of the number 13. They say that people are superstitious regarding the number 13, which is why there aren’t 13th floors in hotels. However, if you’re staying on the 14th floor, isn’t that the 13th floor anyway? I personally think the fear of 13 has more to do with kids when they become teenagers. I am waaaay more afraid of 13 year olds than I am of a 13th floor.

This month is the month to celebrate the number 13. 13 years ago, Andy decided to open ACS Insurance. Even though he’s been in the insurance industry for 23 years, it must have taken him 10 additional years to decide that he really did want the extra headaches, taxes, and more hours to work in the week.

Here is what would have happened if Andy hadn’t started ACS Insurance:

  1. You wouldn’t be reading this e-blast now, and probably would have something better to do; like work on your career as a nuclear scientist, brain surgeon, or professional dog walker.
  2. I wouldn’t be working here, and would probably be doing something productive like cleaning my hair brush. I don’t know why in the world I clean that thing, instead of springing another $4 and buy one that doesn’t have four years’ worth of hair spray and gels. If you shave your head or do the comb-over, you have no idea what I’m talking about.
  3. Andy would probably be selling flowers at the airport, or become a tour guide in Africa (or the Nevada desert – whichever is closer, since he hates to fly).
  4. You wouldn’t be as informed regarding health insurance, life insurance, and retirement planning as you are right now.
Safe Money Millionaire
Call ACS for a free copy of the Safe Money Millionaire Book

Speaking of retirement planning (you knew this was coming), for the 13th anniversary of ACS Insurance, Andy is doing something really crazy. Andy is giving away 13 books for free on growing wealth in these economically uncertain times because he believes in the message. If you want to get one of the 13 books, just call or email him at: andy@acsinsurance.com. This book is designed for this economy and these hard times, and has a blueprint for keeping and increasing your money. No need to light candles, avoid ladders, or spray paint the black cat (unless the cat is now orange), just email or call Andy.

This month’s e-blast winner is Donna Eisele. Donna recently received a quote and policy from ACS Insurance, and also referred clients to our office (you know the drill, she was entered multiple times!) You too can be as cool as Donna, by liking us on Facebook, referring someone to our agency, or calling for a quote.

Just for fun, I put the number 13 in this e-blast 13 times. Now, how many of you are going back to count? If you did, I have the address for the nearest OCD meeting going on right now.

Until next month,
“Silly People…Serious about insurance.”

Who really only put 14 in this e-blast. I have OCD, too!