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FACT or MYTH: If my insurance company dramatically increases the premium for my earthquake coverage, I can simply remove the coverage. My homeowners insurance will still cover any damage or total loss from an earthquake.March 2017
MYTH! If your home is damaged as a result of an earthquake and you do not have earthquake coverage, your homeowners insurance will NOT cover any damage.
New Building, Familiar LocationMarch 2017
We've merged with Harding Benefits Consulting!October 2016
Roy Riley, President of Peel & Holland, and Kelly Harding, President of Harding Benefits Consulting, have announced the merger of their agencies.
Preparing your home before leaving on vacationMarch 2016
Vacations are supposed to be relaxing and worry-free. That's why it's important to secure your house before your trip so you don't have to worry about broken water connections, power surges and burglars.
Business Tips: Its not the book, its the businessMarch 2016
Peel & Holland is in the vanguard of an exciting new trend for employee benefit firms: A business-solutions approach concerned with a broad swath of the employers business issues. This approach transitions an insurance broker into the role of adviser, eventually to become that much-discussed trusted adviser as you continue to bring value, insight and solutions to the client.
Fire Danger in the Construction ZoneJuly 2015
Fires are a significant hazard on construction sites. A November 2014 National Fire Protection Association report found that between 2007 and 2011, U.S. fire departments responded to an average of 5,120 structure fires in residential properties that were either under construction or undergoing major renovation.
Business Tips: Controlling Risks for Property OwnersJuly 2015
Losses that occur on property you own can affect your livelihood and that of your tenants. They also can affect your insurance rates and eligibility. Without the proper controls in place, you could be saddled with the responsibility of owing for injury or damages that you did not cause.
Additional Coverages Keep You Afloat After A FloodJuly 2015
Ongoing patterns of severe weather mean homeowners and business owners have experienced everything from record snowfalls and tornadoes to recurring storms with wind, hail, and record amounts of rainfall- all leading to a record number of flooded homes and businesses.
Licensed, bonded, insured: What it means to youJuly 2015
You have decided to build or remodel your home or business. This is a big step, both financially and emotionally. Choosing the right contractor to complete this project is also a big decision.
Replacement Cost for Your Home's ContentsJuly 2015
If you want to restore the comforts of your home in the event of a loss, it's best to choose replacement cost coverage on your household contents. It could be worth hundreds, even thousands of dollars to your family.
Financial Questions When Applying for Life InsuranceJune 2015
You recognize the need for life insurance, but two important questions remain: How much coverage do you need? What information is needed to justify the amount of coverage? Depending on the reason you are applying for life insurance, there are several ways to determine the amount of coverage you need.
Your Insurance: There to see you throughJune 2015
Take a step back, take a deep breath and marshal all your resources. This is good advice for virtually any aspect of life. But when you are facing the consequences of a disastrous and unexpected event, it becomes advice that may make the difference between recovery- getting on with your life- or carrying those consequences well into your future. Remember that after a disaster, your insurance agent and insurance company are there to see you through.
Inspect Your DeckJune 2015
There are roughly 40 million wood decks in use across the U.S., most of them between 10 and 15 years old, according to the North American Deck and Railing Association (NADRA). While decks do not collapse every day, when they do, people can be injured or killed. You can help protect visitors to your home or business by keeping deck safety in mind.
5 Reasons You Should Promptly Report a ClaimMarch 2015
Your insurance policy is merely a promise until you have a claim, but many people hesitate to report a claim to their insurer. Here are five reasons why you should promptly report a claim if you have an incident.
In a car accident? Heres what to do.March 2015
Nobody likes to think about getting into an automobile accident, but it can happen to any driver at any time. Taking time in advance to think through the steps to follow after a car accident can help keep you and your passengers safe and simplify the process of filing an insurance claim.
Protect Your Home From This Week's Winter BlastFebruary 2015
Frozen pipes can wreak havoc and require costly repairs and cleanup. To help protect your pipes in this week's cold weather, keep these helpful tips in mind.
Peel & Holland Sponsors Marshall County Students for 2015 Murray Half MarathonFebruary 2015
Peel & Holland is excited to announce its sponsorship of students that attend Marshall County Schools and Christian Fellowship. The first 60 students who stop by Peel & Hollands Benton office will receive a free registration for the half marathon in Murray, which will be held on April 12th.
Housekeeping tips to prevent dryer firesJanuary 2015
Could you live without your clothes dryer? For many people, the clothes dryer is indispensable, but an improperly installed appliance could easily catch on fire. According to the U.S. Fire Administration, fire departments respond to roughly 2,900 clothes dryer fires each year, with an estimated $35 million in property damage. The leading cause of these fires was the failure to properly clean the dryers (34 percent), followed by dust, fiber and lint (28 percent) and clothing (27 percent.)
Celebrating 90 Years with $90 Donations: Marshall County Caring NeedlineJanuary 2015
For Carolyn Dowdy's $90 Charity of Choice donation, she has elected the Marshall County Caring Needline, a Food Bank for the residents of Marshall County.
After the Storm: What Do I Do Next?January 2015
The storm has passed and your family is safe. You took all the necessary precautions such as having an adequate supply of drinking water and a flashlight. You may have even purchased a generator to ensure uninterrupted electricity in the event of a power outage.
Peel & Holland Welcomes Patrick SpruillJanuary 2015
Celebrating 90 Years with $90 Donations: Shriners Hospitals for Children- St. LouisJanuary 2015
To celebrate our 90th Anniversary, each team member was given $90 to donate to the charity of their choice. For Steve Gregov's $90 Charity of Choice, he has chosen Shriners Hospitals for Children.
Peel & Holland Welcomes Barbara BakerOctober 2014
We are excited to welcome Barbara Baker to our Peel & Holland team!
Peel & Holland Welcomes Jill LewisSeptember 2014
Jill Lewis has joined Peel & Holland as a Benefits Risk Advisor. She has worked in insurance for the past 10 years. She assisted clients with their life, health, property & casualty insurance needs for a national carrier for several years, then worked as an independent contractor to provide crop insurance to clients.
Peel & Holland named Best Practices Agency again in 2014September 2014
Peel & Holland has once again been named part of an elite group of independent insurance agencies around the United States participating in the Independent Insurance Agents & Brokers of America (IIABA or the Big I) Best Practices Study Group.
California Repeals 60-Day Limit on Waiting PeriodsSeptember 2014
On August 15, 2014, California passed Senate Bill 1034, which repealed an insurance law (Assembly Bill 1083) that prohibited insurance companies from including waiting periods in excess of 60 days in their group health insurance contracts. The new law, effective January 1, 2015, prohibits California insurance companies from applying any "waiting or affiliation period" under a group or individual health benefit plan.
IRS Releases Draft ACA Reporting Forms for Employers and Health Insurance IssuersAugust 2014
On Thursday, July 24, 2014, the Internal Revenue Service (IRS) released draft forms that applicable large employers and health insurance issuers will use to report information regarding health coverage, as required under the Affordable Care Act (ACA) starting in 2015. (The first reporting will be due in the first quarter of 2016, reflecting the 2015 calendar year.)
Career Opportunity Available: Commercial Lines Account ManagerAugust 2014
We are excited to announce that we are searching to fill the position of Commercial Lines Account Manager at Peel & Holland.
Peel & Holland Reopens Murray Office After Downtown FireAugust 2014
We are pleased to announce that, after closing our Murray office because of the fire in Downtown Murray on July 23rd, we have reopened our office at a temporary location, located in the Northpointe Professional Office Complex at 1712 Highway 121 North, Suite C.
No Play-or-Pay Penalty in States with a Federal Exchange?July 2014
DC Appeals Court holds that premium subsidies are not available to enrollees in Federal Exchanges The U.S. Court of Appeals for the DC Circuit has dealt a serious blow to the Obama Administration today with a decision that calls into question the structural integrity of the "pay-or-play" mandates under the Affordable Care Act ("ACA").
Win Some/Lose Some: High Stakes Decisions on the Affordable Care Act Come Out For and Against the AdministrationJuly 2014
July 22, 2014 marked a day when two different federal courts came out on opposite sides of the same question. In the morning, the U.S. Court of Appeals for the DC Circuit dealt a serious blow to the Obama Administration with a decision that called into question the structural integrity of the "pay-or-play" mandates under the Affordable Care Act ("ACA"). Later in the day, the U.S. Court of Appeals for the Fourth Circuit, sitting down the road in Richmond, came out on the other side of the question.
Celebrating 90 Years with $90 Donations: Four Rivers Behavioral Health Center for Integrated SupportsJuly 2014
For Perry Myers' $90 Charity of Choice, he has chosen Four Rivers Behavioral Health Center for Integrated Supports. Perry chose this organization because it is one of the few organizations in our region providing services, education, employment assistance, and social activities to mentally ill and emotionally disabled children and adults in our area.
Supreme Court Sides with Employers and Not Administration in Hobby Lobby DecisionJuly 2014
In a 5-4 decision announced today in Burwell v. Hobby Lobby Stores, Inc. ("Hobby Lobby") (f/k/a Sebelius v. Hobby Lobby Stores, Inc.), the United States Supreme Court (the "Court") ruled that the federal government erred in requiring for-profit, faith-based employers to pay for certain forms of birth control that contradicted their religious beliefs.
Marriage & Your InsuranceJuly 2014
Before you head to the chapel, you may want to consider visiting your insurance agent! The most common life event associated with a host of changes is marriage. As marriage joins two people together, it also joins their finances, their families, their assets and their insurance! In many cases, as your marital status changes so do your insurance needs.
Final Regulations on Orientation Periods ReleasedJuly 2014
On June 20, the Federal regulatory agencies in charge of health care reform guidance (the Departments of Labor, Treasury, and Health and Human Services) released final regulations ("Final Regulations") clarifying the relationship between a group health plan's eligibility criteria and the Affordable Care Act's (ACA) 90-day limit on waiting periods. Specifically, the Final Regulations (published in the June 25 Federal Register) address an employer's ability to require new employees to satisfy a "reasonable and bona fide employment-based orientation period" before starting a group health plan's waiting period.
PCORI Fees Reminder: Due July 31, 2014June 2014
Employers that sponsor self-insured group health plans, including health reimbursement arrangements (HRAs) should keep in mind the upcoming July 31, 2014 deadline for paying fees that fund the Patient-Centered Outcomes Research Institute ("PCORI"). As background, PCORI was established as part of health care reform to conduct research to evaluate the effectiveness of medical treatments, procedures and strategies that treat, manage, diagnose or prevent illness or injury. PCORI fees were first due by sponsors of self-insured group health plans and insurers last July for plan and policy years that ended on or after October 1, 2012. Under health care reform, most employer sponsors and insurers will be required to pay PCORI fees until 2019.
Peel & Holland Named Among IBA's Elite AgenciesJune 2014
Were really excited to be able to bring this well-respected international award to the US. It gives the industry the opportunity to recognize those agencies that are really standoutsnot just for sheer volume but for innovation, client service and many other important factors, said Cathy Masek, vice president of Key Media International, US.
FACT or MYTH: The risk of heat-related illness dramatically increases when the heat index climbs to 90 degrees or more.June 2014
FACT! The risk of heat-related illness dramatically increases when the heat index climbs to 90 degrees or more. It is important to be aware of the heat index and plan scheduled breaks during extended outdoor activity.
Celebrating 90 Years with $90 Donations: Murray/Calloway County Special OlympicsJune 2014
For Kenny Roth's $90 Charity of Choice donation, he has elected the Murray/Calloway County Special Olympics. Their mission is to provide year-round sports training and athletic competition in a variety of Olympic-type sports for children and adults with intellectual disabilities by giving them continuing opportunities to develop physical fitness, demonstrate courage, experience joy and participate in a sharing of gifts, skills and friendship with their families, other Special Olympics athletes and the community.
Peel & Holland School Supply DriveJune 2014
School may be out for the summer, but our team is busy helping stock up for next year! You can join us by collecting any of the school supplies listed below. Donations will be accepted each of our Peel & Holland offices throughout the month of June. All donated supplies will be distributed evenly to our area schools.
FACT or MYTH: Correctly used child safety seats can reduce the risk of death by as much as 71 percent.May 2014
FACT! Correctly used child safety seats can reduce the risk of death by as much as 71 percent, and older children sitting in a booster seat in the back seat of a car are 45 percent less likely to be injured in a crash than children using a seatbelt alone. The reasons for parents to adhere to these standards to protect their children are compelling; according to the National Highway Traffic Safety Administration (NHTSA), car crashes are the number one killer of children age 1 to 12 in the United States.
Innovative Benefits Funding Solutions: A Response to HCR for Small and Mid-Market BusinessesMay 2014
June 12, 2014 Paducah Chamber of Commerce Community Room 300 South Third Street Paducah, KY 42002 Check-in and breakfast will begin at 8:30 a.m., with the seminar beginning at 9:15 a.m. The seminar will be held in the Paducah Chamber of Commerce's new Commerce Center.
FACT or MYTH: When you make changes that increase the value of your home, you may also need to increase the coverage limit.May 2014
FACT! Whether you do it yourself or hire a contractor, remember to update your homeowner insurance as you increase your homes value.
New Guidance on COBRA and ACA Marketplace Coverage: The Gap in Coverage is (Not Quite) FilledMay 2014
There has been much confusion and concern about the interplay between the COBRA continuation coverage rules and the new Health Insurance Marketplace established under the Affordable Care Act (the "Marketplace"). One important question has been how individuals could transition from COBRA continuation coverage to (often cheaper) Marketplace coverage. Also, many individuals are confused about whether they should continue their available COBRA continuation coverage or separately opt for coverage through the Marketplace. To help clarify the rules, the government agencies have issued some important new guidance.
Wellness Tip: Research shows your risk of heart disease and early death can be cut in half if you walk briskly for 30-45 minutes three to four days a week.May 2014
In 30-45 minutes, walking at a brisk pace, you can cover up to 2 miles! Walking 3-4 times a week, you could walk over 30 miles a month!
Celebrating 90 Years with $90 Donations: Marshall County Ramp MinistryMay 2014
For Debbie Draffen's $90 Charity of Choice donation, she has chosen the Marshall County Ramp Ministry. The Ramp Ministry builds wheelchair ramps for people throughout Marshall County and the surrounding area.
Wellness Tip: The easiest and most popular form of exercise is walking.May 2014
No matter what your age or fitness level, physical activity will improve your health. The easiest and most popular form of exercise is walking. Walking is easy, almost anyone can do it, and you dont need lessons to learn. You can walk any time, day or night. You can walk anywhere: sidewalks, trails, roads, fields, parks, treadmills, or shopping malls. Walking is also inexpensive you dont need to buy expensive sports equipment.
FACT or MYTH: The current average lead-time for tornado warnings is 13 minutes.May 2014
FACT! According to NOAA, the current average lead-time for tornado warnings is 13 minutes. This means that from the time a warning is issued to the time it is predicted to hit your area, you have 13 minutes to seek shelter. Are you prepared?
Kentucky Becomes The 47th State To Enact A Data Breach Notification LawMay 2014
Kentucky is now the 47th state with a data breach notification law, a development that should be of interest not only to Kentucky-based entities, but also to entities that do business in Kentucky and have personal information about its residents. This alert explains how, under the new Kentucky data breach notification law, entities that collect personal information about Kentucky residents are required to provide notice when a data breach results in the unauthorized disclosure of that information. It also answers other key questions about the law.
Risk Report: Attracting & Retaining TalentMay 2014
STRATEGIC RISK Talent is key to obtaining the strategic objectives of the organization as the business moves forward. BUSINESS RISK A lack of talent within any organization can impact the daily operations of a business by slowing down the organization (productivity) and impacting customer retention
Wellness Tip: You can prepare and consume a healthy breakfast in 15 minutes or less!April 2014
People who skip breakfast are unlikely to make up their daily requirement for some vitamins and minerals that a simple breakfast would have provided. They are also placed at an increased risk for diabetes and obesity, experience increased stress hormones, and incur decreased levels of concentration and energy. Many attribute skipping this meal to time constraints, however; studies show a healthy breakfast can be prepared and consumed in 15 minutes or less!
Celebrating 90 Years with $90 Donations: Paducah Child Watch Children's Advocacy Center's CASA ProgramApril 2014
For Sheila Martin's $90 Charity of Choice, she has selected the Paducah Child Watch Children's Advocacy Center's CASA Program. The CASA Program provides court appointed advocates for abused and neglected children.
FACT or MYTH: 80% of collisions have some form of driver inattention as contributing factors.April 2014
FACT! 80% of collisions and 65% of near crashes have some form of driver inattention as contributing factors (National Highway Traffic Safety Administration, 2010)
New Driver Medical Certification RequirementsApril 2014
For commercial vehichle drivers, new medical certification procedures could soon make certification more difficult and costly.
Healthy Breakfast Eaters Are Thinner, HealthierApril 2014
Eating a healthy breakfast has beneficial effects on appetite, insulin in the blood, and energy metabolism. An 8-year study of 2,059 men and women (part of the CARDIA study) looked at breakfast habits and risk of developing obesity or insulin resistance syndrome (a precursor to diabetes). Over the 8 years, white men who ate breakfast daily were 39% less likely to become obese, and 37% less likely to develop insulin resistance syndrome compared to those who didnt eat breakfast regularly. White women were 55% less likely to become obese and 53% less likely to develop insulin resistance syndrome if they ate breakfast daily.
Celebrating 90 Years with $90 Donations: Cassidy's Cause Therapeutic Riding AcademyApril 2014
For Lindsay Burkeen's $90 Charity of Choice donation, she has selected Cassidy's Cause Therapeutic Riding Academy.
Wellness Tip: Challenge yourself to eat breakfast daily!April 2014
Either because of time constraints or the desire to lose weight, at least 17% of Americans regularly skip the morning meal. But to meet the demands of a busy day, your body and mind need the required nutrients and energy a well-balanced breakfast provides. People who do not eat a healthy breakfast experience a let down or low energy levels later in the morning.
FACT or MYTH: If I have a change in my relationship status, my life insurance beneficiaries automatically change.April 2014
MYTH! As odd as it sounds, if your relationship status has recently changed, it is important that you notify your life insurance agent. Many times a change in your relationship status is indication that your beneficiaries and other dependent information should be changed on your life insurance policies. If you get married, divorced, etc. and expect your beneficiaries to change, they will not change unless you amend your policy to reflect that change.
Peel & Holland Welcomes Kenny RothApril 2014
Kenny Roth recently joined Benton-based insurance agency Peel & Holland as Director of Opportunities. Kenny is responsible for creating new client relationships and using his coaching and business experience to benefit Peel & Holland and its clients.
Celebrating 90 Years with $90 Donations: Juvenile Diabetes Research FoundationApril 2014
For Sharon Watkin's $90 Charity of Choice donation, she has selected the Juvenile Diabetes Research Foundation. JDRF is a major charitable organization dedicated to funding Type 1 diabetes research.
Guidance Released on Coordination of Health FSA Carryover with HSAs; FSA Correction ProceduresApril 2014
On March 28, 2014, the Internal Revenue Service's (IRS) Office of Chief Counsel released two memoranda that provide guidance on certain administrative issues affecting employers that sponsor health flexible spending arrangements (health FSAs).
FACT or MYTH: Sharing on social media that I am away on vacation increases my risk for home burglary and theft.April 2014
FACT! A burglary is a property crime occurring when a person enters or remains unlawfully in a home or building with the intent to commit a crime. It is a crime of opportunity. Sharing with others that you will be away from your home for an extended period creates a massive opportunity for criminals.
Peel & Holland Celebrates 90 Years with $90 DonationsApril 2014
At Peel & Holland, we are committed to giving back to our communities through donation of time, talent and treasure. In celebration of our 90th anniversary, each of our team members was given $90 to donate to the charity of their choice.
Celebrating 90 Years with $90 Donations: Murray Calloway County NeedlineApril 2014
For Martha Harper's $90 Charity of Choice donation, she has selected the Murray Calloway County Needline.
Risk Report: Business PerpetuationApril 2014
STRATEGIC RISK A strategic risk due to the impact it has on current and future evaluation of the company. It could also have an impact on the ability to stay in business due to a catastrophic loss (key employee or owner).
Peel & Holland Welcomes Steve GregovMarch 2014
Steve Gregov recently joined Peel & Holland, the leading regional insurance and risk advising agency, as Director of Program Business. With more than 20 years of insurance related experience, Steve joined the Peel & Holland as Director of Program Business. Previously serving as the Regional Sales Director for the Cincinnati Insurance Company before joining Warma Witter Kreisler Gregov Insurance Agency, Steve brings unique capabilities in the identification and facilitation of special programs with our insurance carriers
IRS Releases Final Regulations on ACA ReportingMarch 2014
On Wednesday, March 5, 2014, the Internal Revenue Service (IRS) released final regulations (Final Regulations) on two reporting requirements under the Affordable Care Act (ACA) effective in 2015.
Ready Your Home for Spring StormsMarch 2014
While it's true that its difficult to predict Mother Nature, you can take steps ahead of time to prepare your home for spring storms, minimize property damage and keep your family safe. Use these tips to prepare for whatever Mother Nature has in store this season.
Peel & Holland Sponsors Marshall County Students for Murray Half MarathonFebruary 2014
Peel & Holland is excited to announce its sponsorship of students that attend Marshall County Schools and Christian Fellowship for the upcoming Murray Half Marathon. The first 60 students who stop by Peel & Hollands Benton office will receive a free registration for the half marathon in Murray, which will be held on April 12th.
Final Regulations on Employer "Play or Pay" Mandate Released IRS Provides Transition Relief to Employers with 50-100 EmployeesFebruary 2014
On Tuesday, February 10, 2014, the IRS released final regulations on the Affordable Care Act's (ACA) employer "shared responsibility" provisions, also known as the "Play or Pay" mandate.
FACT or MYTH: As long as my child is in college, the contents of his student housing is covered on my homeowner policy.January 2014
MYTH! While this is generally the case, if your child is pursuing a graduate degree or extended studies and reaches the age of 24, his or her contents coverage is reduced.
Departments Release New FAQ Guidance on ACA and MHPAEA Implementation IssuesJanuary 2014
On January 9, 2014, the Departments of Treasury, Labor, and Health and Human Services (collectively, the "Departments") published the 18th installment of a series of answers to Frequently Asked Questions (FAQ) regarding implementation of the Affordable Care Act (ACA) and the Mental Health Parity and Addiction Equity Act of 2008 (MHPAEA).
FACT or MYTH: Using cruise control while driving in wintry conditions can be hazardous.January 2014
FACT! Using cruise control can cause your car to accelerate when it doesn't need to, such as when you hydroplane or skid, and can cause deadly accidents. Old man winter is upon us, and he has brought some potentially hazardous driving conditions with him. We have compiled some winter weather driving tips to help keep you and your family safe.
Departments Release Guidance on Dental and Vision Plans, EAPs, and "Wraparound" CoverageJanuary 2014
The Departments of Treasury, Labor and Health & Human Services (collectively, the Departments) jointly issued proposed rules (Proposed Regulations) on December 20, 2013. The proposed rules would amend the regulations regarding excepted benefits under various federal laws, including the Employee, Retirement Income Security Act of 1974 (ERIS) and the Internal Revenue Code (the Code). In general, excepted benefits are exempt from the market reform and other requirements that were added to ERISA and the Code by the Affordable Care Act (the ACA),including the rules prohibiting annual and lifetime dollar limits on essential benefits, the 90-day waiting period rule, and the requirement to cover certain preventive care with no cost sharing. Excepted benefits are also exempt from the ACA's transitional reinsurance program (TRP) and Patient-Centered Outcomes Research Institute (PCORI) fees.
Merry Christmas from Peel & Holland!December 2013
During this holiday season, the Peel & Holland team would like to express its gratitude to our clients and friends, and send our best wishes for the New Year. We are fortunate to work with wonderful people such as yourself, and extend our sincerest appreciation of you
No-Shave November ContestDecember 2013
The gentlemen at Peel & Holland grew it all out for No-Shave November. Now it's your chance to chime in and vote in our No-Shave November contest!
Winter Storm Preparedness for BusinessessDecember 2013
With a dangerous winter storm approaching, it is very easy to go into panic mode. Fortunately, our disaster recovery partner Agility Recovery stands ready to help our clients who subscribe to their services. Have you received your Agility resources to prepare for the storm?
FACT or MYTH: My agents at Peel & Holland will still be available, even if there is a really bad ice storm.December 2013
FACT! The folks at Peel & Holland take pride in our accessibility for our clients. We are here when you need us. You can call us 24/7 to enter a claim by calling 800.599.8621 or by dialing any of the main office numbers for our four locations (527.8621 for Benton; 247.4852 for Mayfield; 753.4451 for Murray; or 443.2550 for Paducah).
EXECUTIVE BRIEF: Seriving Alcohol - What Party Hosts Should KnowDecember 2013
A person's role as a responsible party host can keep friends and family protected. Social responsibility is a term that includes everything from planning to overseeing the party.
FACT or MYTH: A healthy 30-year-old man can pay less than $14 a month for a 20-year, $250,000 life insurance policy.November 2013
FACT! Life insurance is much more affordable than many people realize. While it is an expense for which you have to budget, imagine what the financial impact would be for your family if something happened to you and you had no coverage.
Administration Announces a Temporary Fix for Individual and Small Group Health Insurance PoliciesNovember 2013
In response to nationwide complaints about health insurance plans being cancelled or not renewed because of the requirements of the Affordable Care Act (ACA), the Obama Administration announced on November 14, 2013 that it is offering a one year moratorium on key aspects of the market reform provisions under the Act.
FACT or MYTH: If I switch insurance agents, I lose my good loss history.November 2013
MYTH! This is a common misconception. When switching agencies or insurance companies, your good (or bad!) history is considered in the same way as it is with your current providers.
IRS Changes Health FSA "Use-or-Lose" Rule; Clarifies Transition Relief for 2013-14November 2013
On October 31, 2013, the IRS released Notice 2013-71, which modifies the "use-or-lose" rule for health flexible spending accounts (FSAs) to allow a $500 annual carryover of unused contributions, provided the FSA does not incorporate the "grace period" rule.
FACT or MYTH: For the year 2014, the max penalty a single adult can incur as a result of compliance failure with the Affordable Care Act is $95.November 2013
FACT! The maximum annual penalties are detailed in the table below.
FACT or MYTH: When involved in an auto accident, it is unnecessary to obtain information from the other driverNovember 2013
MYTH! After an accident, it is essential that you gather pertinent information from the other party as all information needed to file a claim will not be recorded on a police report. After addressing any injuries incurred to yourself or the other party, if damage has been done to any involved vehicle you should then obtain the following:
No-Shave NovemberNovember 2013
The gentlemen of Peel & Holland have agreed to participate in No-Shave November to raise funds for the American Cancer Society.
New IRS Notice Allows FSA CarryoverNovember 2013
Big news from the IRS yesterday as they released Notice 2013-71, which offers FSA (flex spending account) participants to rollover up to $500 at the end of the plan year instead of a 2.5-month grace period. The notice also allows participants to use that money for the old or the new plan year.
FACT or MYTH: If a trick-or-treater is injured on my property, I can't be sued and don't have to pay any of his or her medical bills.October 2013
MYTH! Halloween or not, when injuries are sustained on your property by invited or uninvited guests, you can be vulnerable to insurance claims and lawsuits. Injuries to the trick-or-treater would be covered by the homeowner liability portion of your policy. Should the medical expenses or potential litigation exceed your policy limits, your umbrella coverage would kick in to cover the costs-if you have one.
FACT or MYTH: My auto insurance automatically extends to cover my children when they turn 16.October 2013
MYTH! Carriers differ on when a driver needs to be added but the need for their addition is standard. Many companies require a new driver to be added to your policy when they turn 16, while others demand their coverage only when the driver obtains his or her unrestricted license. We recommend that you contact your agent when your child turns 16 to discover what your carrier and policy requires to ensure adequate coverage is extended to your new driver.
FACT or MYTH: Having a working smoke alarm cuts the chances of loss of life in a reported fire in half.October 2013
FACT! Smoke alarms that are working and are properly installed play a vital role in reducing fire-related death and injury. According to the National Fire Protection Association, when smoke alarms fail to operate, it is usually due to the batteries being dead, disconnected, or missing. We suggest changing the batteries in your smoke detectors as you change the time on your clocks this weekend. Replacing the batteries and testing these devices helps to ensure your familys safety in the event of a fire.
FACT or MYTH? If my home is destroyed, I don't have to build it back to get money from my insurance company. I can simply take the money to do as I please.October 2013
MYTH! This is a common misconception. If your home incurs a total loss covered by a claim, your insurance carrier will provide you with the money to rebuild that home. It will not, however, provide you with the replacement cost to spend at your discretion.
FACT or MYTH? You do not have to be a millionaire to be sued for a million dollars.October 2013
FACT! Everyday individuals with adequate insurance coverage are sued for amounts that are both in excess of their personal liability coverage and also in excess of their personal wealth. Situations where such a lawsuit could occur are common and include, but are certainly not limited to, the following:
FACT or MYTH? Going through an agent to purchase your health insurance does not cost any more than if you purchase it on your own.October 2013
FACT! Our team at Peel & Holland is here to assist you in purchasing your health insurance at no additional cost!
HHS Delays Enrollment in Small-Business ACA Federal Marketplaces for One MonthOctober 2013
The Obama administration has announced today that the Small Business Health Options Program (SHOP) marketplaces operated by the Department of Health and Human Services (i.e., the Federal Exchanges) will not be ready for open enrollment on October 1, 2013. Rather, open enrollment will commence on November 1, 2013 with an anticipated start of coverage on January 1, 2014.
OSHA: A Valuable Asset for Small Business Risk ManagementOctober 2013
The Occupational Safety and Health Administration, more commonly referred to as OSHA, is an agency of the United States Department of Labor. Many associate red tape and obsolete regulation with this agency however, few business owners fully understand the benefits offered by OSHA and its subsequent services designed to reduce workplace illness, injury, and fatality.
Peel & Holland named IIABA Best Practices Agency!September 2013
Peel & Holland has been selected to be part of an elite group of independent insurance agencies around the United States participating in the Independent Insurance Agents & Brokers of America (IIABA or the Big "I") "Best Practices" Study Group.
Guidance on HSAs, FSAs, and Employer Payment PlansSeptember 2013
On Friday, September 13, 2013, the IRS released Notice 2013-54 and the DOL issued Technical Release 2013-03 in substantially identical form. This guidance, which is generally effectice January 1, 2014, provides much needed clarification on the application of certain provisions of the ACA (annual limits and preventive care) to account-based plans such as HRAs and FSAs, and other types of arrangements that reimburse premiums (referred to in the guidance as "Employer Payment Plans").
Model Exchange NoticeSeptember 2013
On September 11, 2013 in its online FAQ1, the Department of Labor confirmed the fact that currently there will be no penalties for employers surrounding a failure to issue Marketplace Notices2 (also known as Notice of Exchange Coverage) to employees. Some may have interpreted the new FAQ statement as being new guidance. In fact, the absence of penalties under the ACA surrounding the Exchange Notices, is not news, and has been a known under Fair Labor Standards Act (FLSA) §18b.
The Cost and Removal of Workplace StressSeptember 2013
Workplace stress, also referred to as occupational stress, is defined as a perceived imbalance between the demands made of an employee and the resources they have available to cope with those demands." Four out of five American workers are thought to be affected however; few employers understand the ramifications that this stress has on not only their business, but also their bottom lines.
Marshall County Chamber Biscuits & Business BreakfastSeptember 2013
Join the Marshall County Chamber of Commerce Biscuits & Business Breakfast on Wednesday, September 18 with guest speakers Heather Elliott of Peel & Holland and Jill Chambers of Kemper CPA Group.
Inform on Reform Webinar: Affordable Care Act Q&ASeptember 2013
Join us for this live online webinar as Attorney Whitney Wallingford and Benefits Advisor Greg Carlton talk through the top questions and their answers!
Good Management Pays WellSeptember 2013
What qualifies a company to be considered under good management? How does this measurement affect your policy premiums? It is no surprise that insurance companies seek to partner with risk-avoiding management staffs as those that are committed to reducing their losses are ideal candidates for agencies and providers. To attract partnerships with companies possessing ideal ownership, insurance companies offer an enticing incentive.
Updated IRS Rules for HSAs & Preventive CareSeptember 2013
On September 10, 2013, the IRS issued Notice 2013-57 modifying the definition of preventive care for purposes of the HSA-qualified health plans (aka HDHPs). Essentially, this new guidance removes any potential conflict between the different definitions of preventive care under the ACA and the HSA statutes.
Quarterly HR Webinar: The Hiring Checklist on September 13September 2013
We are excited to announce our partnership with trusted advisor Capstone Human Resource Services to provide HR professionals in our region with a quarterly webinar on a human resources topic. Randy Fox, Senior Partner at Capstone, will present each of the four sessions. The third webinar in this series will take place on September 13th.
Are You Susceptible to Legal Action Against Your Professionalism?September 2013
Malpractice and negligence can be two of the most frightening words when paired with your name, your profession, or your business. However feared these accusations may be; claims are brought against professionals every day - even to some of the best in their fields. Most never see it coming, and many are not prepared. Are you covered by your insurance policy if such claims are brought against you? Here are two real-life cases that you may be able to relate to.
IRS Adopts "Place of Celebration" RuleSeptember 2013
On August 29, 2013, the U.S. Department of the Treasury and the Internal Revenue Service issued important guidance for employers and employees relating to the impact of the Windsor decision on employee benefit plans.
Employee Engagement through the HCR Process WebinarSeptember 2013
You may have your health care reform strategy lined out, but have you thought about how to explain it to employees? Are you starting to get questions from them that you're unsure of how to answer? How do you explain your decisions to them while ensuring you can keep your key employees?
Managing Landlord-Tenant RisksSeptember 2013
Managing rental property can be a rewarding, yet risky business. In addition to many other responsibilities, you must ensure the property is a safe habitat, as you could be liable for lawsuits that arise because of injuries sustained. What steps are you taking to reduce the likelihood of lawsuits?
Offices Closed Labor DayAugust 2013
In honor of Labor Day, Peel & Holland's offices will be closed Monday, September 2nd.
Inform on Reform Webinar: Employee Engagement on Aug. 29August 2013
Our next session of Inform on Reform will be a live online webinar held from 8:30-9:30 a.m. CST on Thursday, August 29th. This month's topic is Employee Engagement through the Health Care Reform Process. Speakers include Jeff Elias, HR Director for Benefit Advisors Network and Randy Fox, Founding Partner of Capstone HR.
10 Dangerous Distracted Driving HabitsAugust 2013
Distracted driving can be attributed to a number of factors. Here are ten dangerous distractions that every driver should avoid.
Peel & Holland kicks off Attentive Driving CampaignAugust 2013
Peel & Holland kicked off an Attentive Driving Campaign on July 30th, during a presentation to Peel & Holland employees and their families. Speakers included Patrol Officer Gretchen Morgan and Captain Donald Hodgson of the Paducah Police Department, as well as Hillary Coltharp, a young woman whose life was dramatically changed due to distracted driving.
Vote for P&H in Murray Ledger & Times Readers' Choice AwardsAugust 2013
Its time again to vote for your favorites! Murray Ledger & Times is preparing for the upcoming Readers Choice 2013 awards. Its a fun way to give readers an opportunity to vote for their favorites in a wide range of categories. If Peel & Holland is your favorite insurance agency, we encourage you to place your
IRS Launches New ACA Tax Provisions WebsiteAugust 2013
The IRS launched a new website explaining the tax components associated with the Affordable Care Act.
Employee Fraud in the WorkplaceAugust 2013
Although a workplace can put precautions, such as a loss prevention program, into place to deter this type of crime from occurring, there is always an opportunity for theft, fraud, and dishonesty. Employee dishonesty coverage protects businesses against this. Dishonesty insurance offers a degree of protection to employers from deliberate acts of dishonesty including theft of money, assets, property, and information. It may cover property the organization owns or leases, property of others in the organization's custody, and property for which the organization has legal liability.
Miss a Session of Inform on Reform?August 2013
If you miss a session of Inform on Reform, visit our website to sign up for Peel & Holland University and gain access to webinar and seminar recordings!
AARP 55 ALIVE Driver Refresher CourseAugust 2013
Did you know that you can save up to $50 per year, per person, on your auto policy by taking a driving course? The cost to you is only $12 if you are a current AARP member, or $14 for non-AARP members. The credit from taking one course will apply for three to five years depending on the insurance carrier. Anyone may take the class, but you must be 55 or older to qualify for the discount on your automobile insurance policy.
Do Return-to-Work Programs Really Work?August 2013
Return-to-Work programs help ensure smooth, earlier transitions from injury or illness back into the workplace. Implementing a RTW program can manage workers compensation and disability costs, which can result in substantial savings.
ACA Workshop for Employers with Less Than 50 EmployeesAugust 2013
Peel & Holland is helping present a workshop on the Affordable Care Act and its impact on employers with less than 50 employees this Tuesday, August 13th, at the Purchase Area Development District office in Mayfield.
Mayfield Graves Chamber of Commerce Eggs N IssuesAugust 2013
Greg Carlton, Peel & Hollands Senior Vice President Employee Benefits & Wellness, will be speaking at the upcoming Mayfield Graves Chamber of Commerce Quarterly Breakfast, Eggs N Issues. Greg will be speaking on Health Care Reform and the impact of the changes that will be taking place.
ACA Implications on Workplace Wellness ProgramsAugust 2013
The Affordable Care Act included several reforms directed at promoting and improving the effectiveness of workplace wellness programs. Updates include increased incentives to employees and a grant program for eligible small businesses that implement workplace wellness programs.
Tornado Preparedness in the WorkplaceAugust 2013
Tornadoes strike quickly with little or no warning, and when they do strike, businesses can suffer. Taking precautions in advance of the storms is the most important step you can take to help keep you and your employees safe.
New Area Code in Western KentuckyJuly 2013
Telephone customers in Western Kentucky will soon be preparing for area code changes. Area code 364 will be added to the same geographic area of current area code 270.
Career Opening at Peel & HollandJuly 2013
Peel & Holland, the leading regional insurance, employee benefits, and risk consulting firm in Western Kentucky is seeking energetic, positive, professionals to fill an opening for the position of Corporate Wellness Coordinator.
Peel & Holland in Paducah Sun ArticleJuly 2013
In the July 21, 2013 edition of The Paducah Sun, Peel & Holland President, Roy Riley, was interviewed regarding the Affordable Care Act and some of the unintended consequences that are arising because of it.
Inform on Reform Webinar - July 25July 2013
Our next session of Inform on Reform will be a live online webinar held from 8-9:30 a.m. CST on Thursday, July 25th. This month's topic is Building a Better Benefits Approach.
New Documents Regarding Recent DOMA Decision Available on P&H UniversityJuly 2013
On June 26, 2013, the U.S. Supreme Court ruled that the federal government will generally recognize same-sex spouses as married for purposes of federal laws, protections and obligations. In response to this, we have made available two documents that outline what this decision means for your business.
Introducing Work Comp Webinar SeriesJuly 2013
In this information-packed webinar series, you'll discover a wealth of strategies, insider tips, tools, and more to help you manage your entire workers' compensation plan more effectively. This will provide you with real-world, proven ideas, strategies, and techniques that other successful organizations are putting into practice right now.
Struggling to Reach Health and Fitness Goals?July 2013
Eating right and exercising: a healthy combination. Summer is the perfect time to set new wellness goals for yourself. Start the day with a healthy breakfast, like oatmeal and fruit, and schedule time in your calendar for physical activity to help you stick to it.
Play or Pay Delayed Until 2015July 2013
On July 2, 2013 the Obama Administration announced that it would delay the penalty and reporting provisions of the ACAs employer mandate (also known as Play or Pay) until 2015.
New Resource Available: Benefits Planning & Health Reform in 2014July 2013
A new document has been added to Peel & Holland University: Inform on Reform. The document entitled "On the Radar...Benefits Planning & Health Reform in 2014" is intended to offer general guidance and strategy in preparation for the upcoming year.
Paducah Area Chamber of Commerce Health Care Reform SymposiumJune 2013
The Paducah Area Chamber of Commerce is hosting a Health Care Reform Symposium on July 11, 2013 from 9:15 a.m. to 12:30 p.m. Peel & Holland's President, Roy Riley, is a featured panelist.
IRS provides Q&A for Patient Centered Outcomes Research Institute (PCORI) feeJune 2013
The IRS offered a question & answer page on its website to help address the various PCORI questions.
IRS Revises Form 720 for PCOR Fee ReportingJune 2013
The IRS recently published a revised version of Form 720 to include the fee owed to fund the Patient-Centered Outcomes Research (PCOR) Institute. The annual PCOR fee deadline is July 31 of the year following the calendar year in which the applicable policy or plan year ended.
Next Webinar in HR Series: FMLA - the Old and the NewMay 2013
The second webinar in our HR webinar series will be held on Thursday, June 13th, from 8:30-9:30 a.m. CST. This will be a live online webinar.
IRS Releases Guidance on Wellness Programs & "Affordability" under the Employer MandateMay 2013
On May 3, 2013, the IRS released proposed regulations on certain provisions relating to the federal premium tax credits that eligible individuals will use to purchase subsidized health insurance coverage from public exchanges starting in 2014.
New Peel & Holland Team MembersMay 2013
Peel & Holland is excited to announce the hiring of three new team members, Paige Adams, Sheila Martin and Allison Ragland.
Exciting Update to Peel & Holland UniversityMay 2013
With such a great response to the Peel & Holland University series, we took the next step and created a one-stop online learning center, giving you access to articles, documents, discussions, videos, and more - all at your fingertips. This is simply another way to keep you connected and up-to-date to what's happening in the always changing world of health care reform.
Inform on Reform Webinar - May 15thMay 2013
Our fourth session of Inform on Reform will be a live online webinar held from 9 - 10:00 a.m. CST on Wednesday, May 15th. This month's topic is Navigating the Exchanges. The featured speaker will be Harry Hayes, Director of Small Group and Association Sales, Blue Cross and Blue Shield.
Peel & Holland Helps Raise More than $20,000 for Autism CenterApril 2013
Peel & Holland, along with other Keystone Insurers Group partners and carriers, took to the Griffin Gate Marriott Resort golf course in Lexington recently to raise awareness and monetary support for their corporate cause: autism awareness. Together the group raised $20,224, which was donated to the Highlands Center for Autism (HCA), located in Prestonsburg.
April is Distracted Driving Awareness MonthApril 2013
The National Safety Council has designated April as Distracted Driving Awareness Month. According to the National Highway Traffic Safety Administration, there were more than 3,000 fatalities resulting from distracting driving in 2011.
Press Release: Peel & Holland Partners with Capstone HRApril 2013
Peel & Holland has partnered with Capstone Human Resource Services to provide strategic human resources consulting to its clients.
Todd Anderson Joins Concert to Spotlight Paducah Music on KETMarch 2013
A group of Paducahs most talented musicians joined forces in a concert that will be airing on Kentucky Life on KET. Todd Anderson, Risk Advisor at Peel & Holland, was a part of this event.
Peel & Holland Partnering with Capstone HR to Provide HR Webinar SeriesMarch 2013
Peel & Holland is partnering with Capstone HR to provide a Human Resources Webinar Series. We invite you to join us for this free series, which will begin on April 4th. Randy Fox of Capstone HR will be discussing Interviewing Do's and Don'ts (with an emphasis on the do's).
Save the Date - Upcoming April WebinarsMarch 2013
Dont forget to mark your calendars for our upcoming April webinars. Our Inform on Reform webinar will be April 23rd and the topic is Navigating the Exchanges. April 4th will be the first webinar in our Human Resources series featuring Randy Fox from Capstone HR. The topic is Interviewing Dos and Donts (With an Emphasis on the Do's.)
Now Accepting ResumesMarch 2013
To learn more about available positions and to apply online, please visit the careers section of our website.
Peel & Holland Voted Best Insurance Agency in Our RegionMarch 2013
Peel & Holland has been voted the Best Insurance Agency in our region in The Paducah Sun's Readers' Choice Awards.
IRS Guidelines - Form W-2 ReportingJanuary 2013
As we enter into the W2 season in the payroll industry, many questions on reporting have surfaced by all sizes of employers, especially related to Health Care Reform/coverage reporting.
IRS Releases Guidance for Employers on the 2013 Medicare TaxesDecember 2012
On November 30, 2012, the Internal Revenue Service ("IRS") released proposed regulations and two sets of frequently asked questions implementing two new Medicare taxes under the Patient Protection and Affordable Care Act ("ACA") that are effective starting in 2013
IRS Releases Final Regulations on Comparative Effectiveness Research Fee to Fund PCORIDecember 2012
On December 5, 2012, the Internal Revenue Service ("IRS") released final regulations regarding the payment of fees by insurers and plan sponsors of group health plans to fund the Patient-Centered Outcomes Research Institute (the "Institute" or "PCORI").
Peel & Holland University: Inform on ReformNovember 2012
Peel & Holland is launching a new program called Peel & Holland University: Inform on Reform. It is a series of educational components to keep our clients and colleagues informed on health care reform.
New Guidance on Wellness Programs IssuedNovember 2012
On November 20, 2012, the Departments of Health and Human Services, Labor and Treasury issued long-awaited guidance on several key provisions of the Affordable Care Act ("ACA"), including requirements on essential health benefits, preventing pre-existing condition discrimination, and employment-based wellness programs.
Offices Closed Thursday and Friday for Thanksgiving HolidayNovember 2012
All Peel & Holland offices will be closed for the Thanksgiving Holiday on Thursday, November 22 and Friday, November 23.
Peel & Holland Sponsoring Jingle Bell Run/Walk for ArthritisNovember 2012
The Jingle Bell Run/Walk for Arthritis is a 5k to benefit the Arthritis Foundation and will take place on Saturday, December 8, 9:00 AM at Noble Park.
Post-Election ACA Implementation: What Employers Must Be Thinking About for 2013November 2012
President Obama has been re-elected and, while there may be some slight shifting, the political makeup of the House and Senate remains unchanged with Democrats controlling the Senate and Republicans controlling the House of Representatives. So, for all of you employers who have been adopting a wait and see attitude before you focused on Affordable Care Act (Act) compliance, the time to wait is over.
Health Care Reform Law Here to StayNovember 2012
After hard-fought campaigns by both candidates, President Barack Obama has been re-elected for a second term in office. Obamas victory in the election, along with last summers Supreme Court decision upholding the health care reform law, cements the Democratic Partys dedication to the legislation.
Murray Rotary Club Starts Area's First Relief Effort For Hurricane Sandy VictimsNovember 2012
The Murray Rotary Club has started this area's first relief effort for victims of Hurricane Sandy with "Operation Rotary Relief." The relief effort has quickly grown into a regional Rotary partnership with Paducah and other area clubs.
Safe Driving During Deer SeasonOctober 2012
Most deer related car accidents take place from late fall to early winter. The Insurance Institute for Highway Safety reports claims for crashes involving animals are three times higher in November. Here are some driving tips to deal with these four-legged friends.
Doc's Dash 5k was a Success!October 2012
Docs Dash was a success! Peel & Holland teamed up with Marshall County Hospital to host this 5k run/walk in honor of Dr. H.W. Ford and benefiting the Marshall County Hospital Foundation. Thanks to everyone who participated.
Peel & Holland Hosting 5k Run/WalkSeptember 2012
Peel & Holland is teaming up with Marshall County Hospital to host Doc's Dash - a 5k run/walk in honor of Dr. H.W. Ford and benefiting the Marshall County Hospital Foundation on Saturday, October 13, 2012, at 8 a.m.
Is Your Business Prepared For a Disaster?September 2012
September is National Preparedness Month. In collaboration with the Ready Campaign, Agility Recovery solutions is urging business to prepare for disasters.
Labor Day Driving Statistics and Safety TipsAugust 2012
Labor Day weekend is one of the busiest and deadliest times for travelers on U.S. roadways.
What To Do After a Car AccidentAugust 2012
A car accident can be distressing, but knowing what to do in advance will help you manage the situation.
Peel & Holland's Health Care Summit - October 10, 2012August 2012
Peel & Hollands upcoming Health Care Summit is scheduled for October 10, 2012. From health to workers' compensation costs, this half-day summit is a must-attend for employers with 50 or more employees. We encourage CEOs, CFOs, COOs, HR, risk managers, wellness directors, workers' compensation specialists and others who lead or manage employees to attend.
Health Care Changes for Women in Effect August 1stAugust 2012
Did you know August 1st marks the day of implementation for additional preventive care coverages for women? Check out Greg Carlton, SVP of Employee Benefits & Wellness at Peel & Holland, as he explains just what some of those changes are, and how it can affect you.
USPSTF Offers Recommendations and Resources for Preventive Health Care ServicesAugust 2012
The U.S. Preventive Services Task Force develops recommendations for preventive health care services and offers free resources to patients and consumers.
Greg Carlton to speak at Four Rivers SHRM MeetingJuly 2012
Our own Greg Carlton has been invited to speak about Health Insurance Costs at the Four Rivers SHRM Chapter Meeting to be held on July 24, 2012.
Peel & Holland Welcomes New Team MembersJuly 2012
Peel & Holland is excited to welcome several new team members.
Greg Carlton to speak at upcoming Chamber of Commerce eventJuly 2012
Our own Greg Carlton will be guest speaker at the Marshall County Chamber of Commerce upcoming Biscuits & Business Breakfast.
Summer Vacation Driving TipsJuly 2012
As many of you head out on the highway for your summer vacation destination, we wish you safe travel and lots of fun memories with your families. Here are some tips to keep in mind as you embark on your journey.
10 Tips for a Safe Fourth of JulyJuly 2012
Here are some tips to ensure your holiday is fun and safe for the entire family.
Greg Carlton on WPSD Answering Questions about Health Care ReformJuly 2012
Our own Greg Carlton answers viewer's questions about Health Care Reform.
U.S. Supreme Court Upholds Health Care Reform LawJune 2012
The long-anticipated Supreme Court decision on the fate of health reform and the Affordable Care Act (ACA) is now in the history books. The 5-to-4 decision penned by Chief Justice Roberts upholds the constitutionality of the individual mandate and serves as a continuum of change that will impact all Americans.
Supreme Court Expected to Issue Health Care Reform Decision on ThursdayJune 2012
Peel & Holland and Benefit Advisors Network Providing Decision Analysis during Free Webinar on Monday, July 2
IRS Updated COBRA Audit GuidelinesJune 2012
The IRS has published revised audit guidelines (the "Guidelines") for COBRA compliance. Click here to read more.
Todd Anderson Earns CRM DesignationMay 2012
Certified Risk Managers International recently conferred the designation of Certified Risk Manager (CRM) on a select number of individuals who completed the rigorous five-course program. Peel & Holland Risk Advisor Todd Anderson was one of this elite group of risk management professionals
Peel & Holland Hosting 5k Run/WalkMay 2012
Peel & Holland is teaming up with Marshall County Hospital to host Doc's Dash - a 5k run/walk in honor of Dr. H.W. Ford and benefiting the Marshall County Hospital Foundation on Saturday, October 13, 2012, at 8 a.m.
Upcoming Lunch & Learn on NCCI Mod ChangesMarch 2012
Peel & Holland is excited to announce the continuation of our regional Lunch & Learn series with our first event of 2012. We'll cover how recent NCCI mod changes could affect your workers' compensation costs.
Mike Young Earns ARM-P and Certified School Risk Manager designationsFebruary 2012
Mike Young, a risk advisor at Peel & Holland, recently earned the certifications of Associate in Risk Management for Public Entities and Certified School Risk Manager.
Peel & Holland Supports National Wear Red DayFebruary 2012
As part of the American Heart Association's annual National Wear Red Day, the team at Peel & Holland wore red to help raise awareness of heart disease and its effects on women.
Vote for P&H in Paducah Sun's Readers' Choice AwardsJanuary 2012
Pick up a copy of The Paducah Sun on January 23, 24, or 25, to fill out their Readers' Choice Awards ballot and vote Peel & Holland as the Best Insurance Agency.
Peel & Holland Launches New WebsiteJanuary 2012
Peel & Holland is excited to announce the launch of our new Web site. We invite you to browse and let us know what you think.
Merry Christmas from Peel & HollandDecember 2011
Peel & Holland announces donations made in its clients' honor at this most joyous holiday season.
Donation to Leukemia PatientNovember 2011
Peel & Holland donated toys to Bae Lawrence, a 6 year old from Murray who was diagnosed with leukemia a little over a month ago.
Congratulation to Heather Elliott & Greg McNuttOctober 2011
Congratulations to Peel & Holland Risk Advisors Heather Elliott and Greg McNutt on being recipients of the Keystone Insurers Group Thoroughbred Awards. Peel & Holland's affiliation with Keystone provides numerous benefits to our clients - contact us today to see how Heather, Greg, and the rest of the team at P&H can help YOU!
Open House to be Held at Paducah OfficeOctober 2011
Join us for an Open House at our Paducah Office on Wednesday, November 2, from 10 until 2, with the Chamber presentation at 10:30.
HELP Seminar HeldOctober 2011
Leaders of local nonprofit organizations attend HELP seminar.
P&H Wears Pink for National Mammography DayOctober 2011
Today is National Mammography Day as part of the annual National Breast Cancer Awareness Month! The folks at Peel & Holland are encouraging women in the area to get a mammogram, which is the best way to detect breast cancer, by wearing pink. Check out our Benton office pink folks...and schedule your mammogram today!
NICU Mural UnveiledOctober 2011
Peel & Holland recently donated $1,500 to Western Baptist Hospital's NICU unit, and a portion of the new Children's Wall at the hospital was dedicated last Thursday.
Merger with Harris & Oliver AnnouncedOctober 2011
Peel & Holland recently announced plans to merge with the Harris & Oliver Insurance Agency, located in Paducah.
P&H Volunteers for Soup Kitchen Across KY DaySeptember 2011
Peel & Holland team members volunteered at the Four Rivers Convenant Church's Community Kitchen today as part of the Independent Insurance Agents of Kentucky's annual Soup Kitchen Across Kentucky Day.
Donation to Western Baptist NICUSeptember 2011
Peel & Holland presented Western Baptist Hospital with a $1,500 donation for the hospital's new NICU unit.
Rotary PresentationAugust 2011
Peel & Holland President Roy Riley spoke at Murray's Rotary Club meeting today about the West Kentucky Regional Chamber Alliance, oh which he is a member of the board.
Congratulations to Greg Carlton - Leadville 100August 2011
Congratulations to our own Greg Carlton who completed the Leadville 100 Saturday! The Leadville 100 is a 100-mile mountain bike race in the mountains of Colorado. Many call it the most challenging endurance race in the world - over half the participants do not finish the race in a given year. Greg started cycling just over a year ago as part of Peel & Holland's wellness campaign.
Peel & Holland Featured in Rough Notes MagazineJuly 2011
We strive to give our clients a wonderful experience, and are utilizing workflow and document management system WorkSmart by Vertafore to help us do so.
Team Members Earn CPR CertificationsJuly 2011
Nine Peel & Holland team members were recently certified in first aid/CPR/AED by the American Red Cross. They learned basic first aid techniques, how to perform CPR on adults, children, and infants, and how to use an automatic external defibrillator.
3T Outreach Program LaunchedJune 2011
Peel & Holland has launched its employee-driven community outreach program, 3T Outreach.
Managing Corporate & Personal BrandsJune 2011
Our own Greg Carlton published this article in the Four Rivers Business Journal about the importance of cultivating a solid brand both personally and for your business. Click to read more!
Water Station Successful at Paducah Iron MomJune 2011
P&H team members man a water station at the first running of the Paducah Iron Mom half marathon.
P&H Donates $500 to American Red CrossJune 2011
Director of Business Development Jennifer Revell presented a $500 check from Peel & Holland's 3T Outreach program to the Red Cross of Calloway County.
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text: The office of Illinois Atty. Gen. Neil F. Hartigan filed a Circuit Court suit Monday against five trustees of St. Anthony`s Post No. 1884, Catholic War Veterans of America, 1616 W. Leland Ave., charging them with improper operation of a raffle that raised $14,000 last year. The suit asked the court to appoint a receiver to control assets of the post and take steps to liquidate the post. The suit charged that, in operating the ``Super Bingo Game`` raffle, the five defendants failed to make an accounting of proceeds to Hartigan`s office, as required by law.

subset: commoncrawl


text:
Our look is the result of reader comments, our own experimentation, and feedback from distribution channels. Distinctive covers complement our distinctive approach to technical topics, breathing personality and life into potentially dry subjects.
The tool on the cover of eBay Hacks is a corkscrew. The exact time origin of the corkscrew is not really known, but corkscrews descended from bulletscrews (also called gun worms)—a tool used for cleaning jammed bullets or unspent powder out of musket barrels, which shared a similar spiral tip. By the 17th century, the corkscrew was fairly common, as cork stoppers were now well-established throughout Europe, not only for wine, but for beer, medicine, and cosmetics.


text:
Capital Lighting & Supply, a subsidiary of Sonepar USA, recently conducted a green makeover at the company's Williamsburg, Va., location. The upgrades to the facility focused on saving energy through various energy efficient lighting installations in the counter and warehouse areas, as well as the office space.
"Upgrading the old lighting with more energy-efficient products was a big focus in our recent renovations," said Ed Rowe, branch manager.
New fixtures with the latest T-5 lamps and ballasts were installed in the office area, while low bays with 42W CFLs and 32W CFL track fixtures now light up the counter area. In addition, the original single tube T12 strips with magnetic ballasts in the warehouse were replaced with double tube T8 strips, which provide more light with energy-efficient electronic ballasts and lamps. CLS utilized products from Cooper Lighting, Osram Sylvania and Legrand.
"The office and counter areas of the branch realized immediate energy savings with the new lighting," said Rowe.
As part of the renovation, CLS removed the 8-foot acoustical tile ceiling. The exposed beams and duct work were cleaned and painted flat black, which opened the ceiling height to about 11 feet. In addition, automatic openers were installed on the front doors to make it easier for the customers to carry material out.
The counter area was redesigned with a black counter top and wrap-around diamond plate. There is a "working" Cablofil display which houses the telephone and data cables visible to the customers above the counter. Additionally, slat wall replaced the old paneling, providing more room for organized merchandising.
The office area received brand new flooring, a fresh paint job, and new office furniture which opened up the space and provided a better working environment for all branch employees, the company says.
Got an Item for Bulletin Board?
It's easy to have your company included in the pages of Electrical Wholesaling's Bulletin Board. It's as simple as submitting a description and photographs.
Some of the subjects covered in Bulletin Board include:
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Send pertinent information to Doug Chandler, Executive Editor, 9800 Metcalf Ave., Overland Park, KS 66212. Or you may e-mail information to [email protected]. All electronic photos should be in "jpg," "tif" or "eps" format at no less than 300 dots per inch. Questions? Call (913) 967-1951.


text:
You Don't Need to Love Seafood to Love Flying Fish on the Boardwalk
Have you ever had one of those meals where everything was perfectly delicious from start to finish? I did recently at one of my favorite restaurants at Walt Disney World, Flying Fish.
Several of us wandered over after enjoying the afternoon at Epcot's Flower and Garden Festival. Fortunately, our favorite server, Bob, was working and we sat in his section. After quenching our thirst with some good ol Florida water, we ordered a cheese plate to share and then started thinking about wine.
I should preface this by telling you wine is one of my indulgences. I love red wine and love to try new wines! When I go to a great restaurant, such as Flying Fish, I am splurging on dinner so I tend to splurge on my wine as well. So you don't think this is my typical price point at home, I used to shop for great buys under $10 but those are almost non-existent these days, so now it's what can I find under $18!
Bob has been my server a number of times and now knows the kinds of wines I like. He always lets me know what is new on the wine list and what "good buys" they have in stock.
A new wine had recently come to the Flying Fish that Bob thought we would enjoy. We decided to give it a try. WOW! We swirled, breathed the aromas and tasted -- all four of us at about the same time looked up from our glass with huge smiles! We had a winner!
This wine from Argentina is a "Bordeaux style blend: of Malbec-Cabernet Sauvignon-Petit Verdot. It was smooth as silk and full of great flavors. Flying Fish price was $85 and that's about the same price range as my Google Search of wine stores indicated.
The Artisanal Cheese plate was enough for the 4 of us to nibble on while we looked at the menu. Unfortunately we gobbled up the cheese before I thought about taking a photo.
New on the menu, at least for me, was a Prix Fixe tasting option!
Flying Fish Cafe Signature Prix Fixe Tasting Menu $63.00/per guest
Appetizer: Duo of "Crispy Maine Coast Jonah Crab Cake" and "Our Very Own Caesar Salad"
Entree Duo of "Char-crusted Certified Black Angus New York Strip Steak" and "Potato-wrapped Snapper"
Dessert: Caramelized Banana Napoleon
Burgundy Wine Pairing Flight : $34.00
Now, on to our meal. I didn't take notes during the meal as my intention was not to write about it. However our experience was so wonderful, I wanted to at least share some photos. Suffice it to say, all food items were great!
Each of us ordered the same appetizer, one of the regular items on the Flying Fish menu:
The mozzarella was so incredibly fresh with mouth watering textures that we couldn't believe it was flown in from Italy, we all thought it had been made in-house.
Fresh Mozzarella di Bufala - Florida Yellow Beefsteak, Heirloom and Tiny grape Tomatoes, aged Balsamico, Exotic Peppercorns, Petite Basil, and Sicilian Olio Verde $15.00
Ginger and Teriyaki Char-Crusted Yellowfin Tuna - Asian greens, sesame-laced sea beans, oyster plant and forest mushrooms, with mido-dashi-lemongrass-wasabi Tobikko-Butter Emulsion $37.00
This side dish is to die for and worth taking any remaining home in a "doggie-bag".
Leek, Fontina and Truffle-laced Trofie Mac n Cheese $9.00
Tagliatelle Pasta a la Bolognese - Rustic Five Meat Ragout, arugula and pecorino Romano $26 (also offered as a Lacto-ovo friendly or vegetarian selection: Pesto-laced Vegetable Primavera $22
Rainforest Pepperberry-grilled Kurobuta Pork Tenderloin - leek, fontina and truffle-laced pasta Mac n Cheese, grilled asparagus with black missino fig, port wine, balsamico, carmelized onion and trumpet mushroom compote $36.00
We were all too stuffed to even think about dessert.
As I said at the beginning, everything just blended together perfectly from the service, to the ambiance, to the wine to the food. It was a great evening and one we will not soon forget! Thanks to the Flying Fish team!
The moral of this story is - you don't have to be a seafood lover enjoy fine dining at Flying Fish!


text:
Business Proposals (Job)
Looking for:
Business contacts who can help me connect with people in music companies (private person), festivals and venues all over the world. People with contacs with festival and venues and wants to work as representative (booking agency) of some of my latinos musicians.
Sharing experiences with people who work with music, get involved with people with new projects and ideas in the music field. Excellent working conditions and living experiences / earning high commissions.
For more information please contact at:
Eric Oliveros
Phone Protected content
Skype: oliver.incs.entertainment
Email: Protected content
Protected content


text:
Crafted from pure leather, the 'Voodoo' jacket from Vivienne Westwood's Anglomania collection features signature elements from the iconic designer's visionary aesthetic. A cross-over front forms an asymmetric design and fastens with a combination of buttons and press stud closure. Wide lapels, a stand up collar and zipped pockets and sleeves finish the blue, biker style jacket. - R.K.
100% Leather (sheep). Lining: 100% Viscose. Zip Trims: 65% Polyester, 35% Cotton.


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|06 Jan 2013
Media Player libraries
Good Afternoon Folks:
I need a little help with the libraries in WMP.
To provide a little clarity as to what I require:
1. I do not want any files imported to WMP unless I specifically place them there. How do I stop WMP from automatically importing files from my Users Libraries?
2. I do not want album art applied to my music files. How do I stop it?
3. How do I deleted complete libraries without manually do it one file at a time? This thing has grabbed all my photos and I don't want them there. I have about a thousand to delete and it's very time consuming.
To further clarify: I only use WMP for ripping and burning music files. These files are listed in my Music Library in the order I list them and with the information I provide for each song. That's how I want them to show up in the WMP Libary. I don't want them separateed into individual artists or genres. I simply want them displayed as a list.
If this can't be accomplished with WMP, can anyone suggest a very simple music application that doesn't try to decide for me how I want my files displayed. I've tried a few and they all suffer from the same problem...they all think they know best how I want to manage these files and, if you're not very careful, they will co-opt all your media files and simply clutter up the system
Regards to one and all
Powell Lucas
|My System Specs
|06 Jan 2013
i used to use wmp all the time, since then i use winamp, you can skin it and have it look decent, i dont add anything to the winamp library, so i dont point it toward my music folders, i open my music folder select a folder/album and click play all, winamp opens ,simple .
once you get into winamp more there are nice plugins that can allow the last album to continue to playback from when you last closed winamp. and so on.
to remove your pictures from wmp see this thread...
Trying to remove WMP Picture Library
and to have a list in wmp click 1 and 2 as seen in this pic,( click the pic to enlarge it)
select list in figure 2
|My System Specs
|06 Jan 2013
Many thanks Boohbah. I now have a handle on how this thing works.
Best Regards
Powell Lucas
|My System Specs
|06 Jan 2013
your welcome :)
|My System Specs
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NBC News reporter Stephanie Gosk blamed a lack of deportations and immigration enforcement in part for the surge of unaccompanied minors over the southern border, and stated the influx will continue until the White House starts deporting illegal immigrants.
In an appearance on Tuesday's "Andrea Mitchell Reports," she said that the State Department's attempt to prevent individuals from crossing the southern border illegally would be ineffective without deportations, declaring "the state department talks about getting the message across, but it's not just about a message and telling people down here not to come. people here have to start seeing people deported…until those people start getting deported, it is hard to convince people from this part of the world…not to make that dangerous trek."
Follow Ian Hanchett on Twitter @IanHanchett


text:
Hello group! We've been trying to experiment in making our codecs work on iPad with mobile Safari on iOS6 beta, but it doesn't seem to work as expected (the AudioContext reports 0 as its sample rate and at least the JavaScriptNode doesn't work). Does anyone know if there is something special that should be done to get it working or is this just a bug? Cheers, JussiReceived on Sunday, 17 June 2012 07:28:43 UTC
This archive was generated by hypermail 2.3.1 : Tuesday, 6 January 2015 21:49:59 UTC


text:
Pretty much all mutual funds and ETFs in the US have tax years that end on October 31st. They are required by law to distribute virtually all the dividend/interest income and realized capital gains collected during the fiscal year to shareholders by calendar yearend (so that the IRS can collect income tax from holders).
Invariably, funds adjust the size of these distributions during September – October. Whether this means making them larger or smaller, it involves selling. This means a seasonal market correction between September 1st and October 15th. The only exception I've seen in over thirty years has been in times directly following a major market selloff like that in 2000 or in 2008-09, when funds are working off massive realized losses–and have no taxable income to distribute.
Last year, for example, the selloff in the S&P was about 7.5% and went from mid-August through late September. 2014's was 6%+ and lasted from September 19th through October 17th.
This year September has delivered about a 1% loss so far, which would be an extremely small seasonal dip.
Where's the selling? I don't know. Maybe the lack of downward market pressure comes from the fact that the S&P is flat during the current fiscal year. In any event, if selling doesn't emerge in the next, say, week, it's unlikely to develop.
If it doesn't, we'll have missed an annual buying opportunity and will have to press ahead with annual portfolio adjustment plans without this advantage.


text:
About fair
Presentation of the European footwear brands from Germany, Italy, Portugal, Spain, Austria, France, Slovenia, Finland, Poland, Sweden and Switzerland, as well as from Australia, Brazil, Israel and the United States.
The event's schedule is one of the main advantages of the presentation. Only here the shoe store owners can be the first to see the next season's collections almost a year before the start of the season and make timely orders for their stores.
The uniqueness of the presentation is the fact that European manufacturers bring their collections to the EUROSHOES exhibition before showing them at home - in Europe shoe exhibitions take place much later.
The event's core ideology is uniting the European footwear brands under one roof and striving to meet the market changes, which requires early orders and early delivery of the ordered shoes to the Russian buyers.
Euro Shoes Premiere Collection takes place twice a year: at the end of February and the end of August, in the format of a closed showroom only for buyers with a personal invitation.
100% of visitors are specialists from Russia and the CIS.
Additional services of the exhibition include catering, free hotel-exhibition-hotel and metro-exhibition-metro transfer service, and special rates for accommodation in the nearby hotels.
Director of the Euro Shoes Premiere Collection presentation Anastasia Kornilieva notes that the importance of the event for buyers and the attendance are growing every season.
History of the presentation
The first presentation of the European footwear took place in August 2007 in the lobby of one of Moscow's hotels. Orders made there have allowed the retailers to get earlier deliveries, and European shoe companies to increase their sales at the end of the season.
The second presentation took place in February 2008 in three Moscow hotels. A large number of orders made there encouraged the participants to unite under one roof.
Since then the Euro Shoes Premiere Collection presentations are regularly held in the exhibition halls in "Sokolniki".
Looking forward to seeing you on 27.08 - 30.08.2018.
Moscow, Sokolnicheskiy Val, 5th Luchevoi prosek, pavilions 4, 4.1


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Community gives input on plans for W.A. Foster
By Matt Caulder
Published in News on May 15, 2013 1:46 PM
News-Argus/MICHAEL BETTS
Architect Kristen Hess of HH Architecture listens as city resident John Forbes makes suggestions about plans for the remodeling and adding of facilities to Mina Weil Park during a public meeting at the W.A. Foster Center on Tuesday. A new Foster center is expected to be built at Mina Weil.
The Goldsboro Park and Recreation Department held two public input sessions Tuesday at the W.A. Foster Recreation Center to collect ideas for what the Mina Weil Park master plan should include.
Mina Weil Park is the chosen site for the new Foster Center. The existing center has to be replaced due the presence of asbestos although some activities are still going on there.
Site Solutions representative Dereck Williams is the designer of the Mina Weil park renovation.
Williams is working with the architect for the new W.A. Foster, Kristen Hess of HH Architecture, to build an information base for what people want to see done in the new recreation center as well as in the rest of the park.
Williams set up a mockup of proposed changes to Mina Weil Park including the location of the new W.A. Foster and the addition of a third baseball field with updated dugouts. People who stopped by gave their opinions on what the new facility should contain and look like.
"We got a lot of good, useful information today," Ms. Hess said.
Other proposed improvements included renovating Mina Weil Pool and adding a picnic shelter and playground by the restrooms as well as a central road to the park allowing parking much closer to the park's amenities than the perimeter parking lots currently permit.
Members of the public suggested everything from improved fitness gear and a double gym to a miniature golf course and batting cages.
One idea planned for the site that seemed popular with many of the women present was the addition of intersecting walking loops of different distances around the park.
Gladys McClary wanted an indoor walking path as well for days when the weather is bad. Another woman said she wanted the walking path to run by the playground to keep an eye on her children.
The public favored the idea of a central location for the playground right by the bathrooms and picnic shelters, saying that they wanted to be able to take their kids to the restroom from the playground easily.
"With this you can (take your child to the restroom) without crossing any roads," Parks and Recreation Director Scott Barnard said. "It just makes sense."
Barnard said he believes that Parks and Recreation heard from a good cross section of people by holding the sessions at 2 p.m. and 5:15 p.m. at the W.A. Foster Center.
Many of the suggestions had already been considered by staff.
"It was like an affirmation to us that we are fitting the community needs," staffer Felicia Brown said.
One suggestion that had not been considered for the center, she said, was a sauna.
One area of consensus between the public and Parks and Recreation was the need for bike racks and motorcycle parking right in full view of the front of the office.
"The sad reality is that they are easy to take and people will take things that are easy to steal," Barnard said.
Clients are continuing to use the W.A. Foster Center until a new one is built. While the asbestos is sealed off, nothing more than simple upkeep can be done on the existing building, Barnard said.


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Corn and Black Bean Salsa
This Salsa Dip recipe is 3 cups of perfection! A wonderful blend of tomatoes, peppers, black beans, herbs, and spices, with a few surprises, too! It's the salsa recipe you've been wanting, for several reasons:
Party Dip Essentials Checklist:
Corn and Black Bean Salsa
2 large tomatoes, chopped
1 or 2 jalapeno peppers, seeded and finely chopped
2 green chiles, chopped
1/2 medium onion, chopped
1 very small green bell pepper, finely chopped
1/3 cup corn kernels
2 teaspoons chopped cilantro (1 teaspoon dried)
1 heaping tablespoon black bean garlic sauce or
1 tablespoon black beans and 2 cloves garlic, chopped
1 teaspoon sugar
2 teaspoons cider vinegar
1/4 teaspoon dried basil
1/4 teaspoon dried oregano
Salt and pepper to taste
1/2 cup (extra) black beans, optional
Combine all ingredients in a serving bowl.
Corn and Black Bean Salsa pairs perfectly with tortilla chips or warm rolled tortillas. It's great with omelets and scrambled eggs, too. Makes about 3 cups.
For an interesting flavor-melding effect, peel the tomatoes before chopping them. Combine with the rest of the ingredients and microwave on high for 2 minutes. Chill before serving.
More dips and salsa like the Corn Salsa Dip Recipe
Mexican Theme Party Ideas
What else ya got in here?
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Art for the kitchen...
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About Wine and Cheese Parties...
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Theme Parties
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Kate, Australia


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Name: Clíodna
Sphere of influence: Realm of the dead
Location: Ireland
Famous portraits: None
Clíodna is said to be the daughter of Gebanh, the last druid of Ireland, and one of the Tuatha te Danann. Sometimes it is said that her sisters were Aife and Edain. At one time she fell in love with a man, Caoímhin of the curling locks, and ran away from the other gods and into the world of the living. This could not be forgiven or over-looked so they sent a big wave after her and she was drowned. After that her place was in the realm of the dead, the Otherworld, looking after things there.
That was not a sad place, but rather a happy place where there was feasting and beauty, music and happiness. She was even known to lure people into the Otherworld - people that was never heard of again. But she was also a guardian goddess of the O'Keefes and had a strong connection to the sea and the waves - there was a saying that every ninth wave were an incarnation of the goddess and therefore much more powerful. She is also known as the Fairy-queen of Munster.
She was known as very beautiful and she could shape-shift into a bird. She was also known to have three birds and their song could sooth sick people so that they could wake up refreshed and healed.


text:
If you'd like to provide updated information and do not have access to directly edit, please contact the site admin; thanks!
Moving the /textpattern/ folder
Ask yourself these two questions:
- Have you ever had the urge to move the textpattern directory somewhere else and use it as a section instead?
- Do you have a site that you want some tightened security and therefore keep the admin part of TXP on the encrypted secure https server?
Did you anser yes to any of the questions? Great, then keep on reading.
Needed note
First off, I have to warn anyone who does this that every time you update TXP you will need to do these changes on all the files.
Also, the example that follows is written about how to move the textpattern folder to a secure part of the webserver, rather than writing two examples, but hopefully you will get the idea and be able to implement it if you only wish to rename the folder to a different name.
Anything that is written in CAPS means you need to change it to the appropriate path on your webserver.
And the last thing being that this hack has only been tested on Textpattern RC3, so it might work differently in later revisions and release candidates.
The files
So let's get started and see what files you need to keep an eye out for. The files we are going to edit are the following:
- index.php
- textpattern/config.php
- textpattern/css.php
- textpattern/publish/taghandlers.php
- textpattern/include/txp_admin.php
Moving the files
Start off by copying everything contained in the textpattern folder from your original textpattern folder to the secure one. Also move the
textpattern/css.php file to the root folder of your normal textpattern site.
Done? Well let's get started with the editing then!
First and foremost, we start by opening up index.php and find the line that states:
include './textpattern/config.php';
Change it to read:
include '/ROOT/PATH/TO/YOUR/SECURE/WEBSITE/textpattern/config.php';
As an example, if you are on a standard Apache install this would look something like:
include '/home/henrik/www-secure/textpattern/config.php';
This file is now located in your secure textpattern folder, so open it there and find the line:
$txpcfg['txpath'] = '/OLD/ROOT/textpattern';
Change it to read:
include '/ROOT/PATH/TO/YOUR/SECURE/WEBSITE/textpattern';
(see above for example)
This has been moved to your root folder of your normal textpattern site, so open that one and change the line:
include 'textpattern/config.php';
to (yes, you guessed it allready):
include '/ROOT/PATH/TO/YOUR/SECURE/WEBSITE/textpattern/config.php';
This file is, of course, the one in your secure textpattern folder, and the two lines to find are the following:
if ($n) return hu.'textpattern/css.php?n='.$n;
return hu.'textpattern/css.php?s='.$s;
Remove the
textpattern/ text from it so they both read:
if ($n) return hu.'css.php?n='.$n;
return hu.'css.php?s='.$s;
Here you find the line that reads:
gTxt('log_in_at').' '.hu.'/textpattern/index.php';
and change it to:
gTxt('log_in_at').' 'https://YOURSECUREWEBSITE.COM/textpattern/index.php';
This changes the e-mail sent when you register people for using the admin interface; if you are the only user you could skip this one.
Done? Already?
Not really, we have to tidy up a bit first. Remove the textpattern folder from your normal textpattern folder and prepare yourself to do a drumroll since the excitement will be immense to see if it works, which it of course does.
So there you have it: how to move the textpattern folder to a secure folder on your webserver in some pretty simple steps.
A setback with this, of course, is that when you update you have to unpack/subvert to the non-secure folder and do any login to the admin interface and run any update, then redo these steps from scratch again.
Comments/questions? Leave a message in the form.
Commenting is closed for this article.
Commented (11)
"www.YOURSECUREWEBSITE.COM/" or "www.YOUROLDSITE.COM/new_directory/", depending on where you are moving things to.
If you do this, you should be able to move 'css.php' naturally along with the rest of the files. Also, there is no need to edit the two php files I've just mentioned.
I used this technique while moving my textpattern directory to another on the same host. I cannot guarantee that it will be appropriate for a cross-server move, but I imagine it would.
The reason why I move the css.php file outside my textpattern folder is to beef up security since otherwise you can locate it by just checking the code where it snags the css.php file from. But ofcourse, this is not needed …
For increased security, I moved my config.php outside my public HTML directory, and called it mysitename_config.php. (No need to rename if you only have one TXP site.) Then I made a new config.php with the following:
< ?php
include_once '/my/directory/outside/public_html/mysitename_config.php';
? >
(Remove spaces between ? and angle brackets.) Note the directory is an absolute path.
With the new version, Instead of going to txp/include/txp_admin.php you have to go to txp/lib/txplib_admin.php and change this line in 2 places.
n.n.gTxt('log_in_at').': 'https://YOURSECUREWEBSITE/index.php';
This'll make sure you're new user and forget password e-mails will send the correct link.
Would be cool if the /textpattern/ folder could be moved more easily.
Hi, i installed my textpattern in a folder called "admin" in root directory, it's my secure folder, now i what to show my articles on "blog" folder which is also in root folder, i'm getting confused now lol.
That's a bit complicated problem you have built, Roijason. :-) I would just move Textpattern to work in "blog" folder because that would be the easiest solution… and the only solution I can think of.
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