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Thompson & Hummel Insurance Agency, Inc.
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Keep your house safe in this cold weather.
Freezing Pipes
Frozen water in pipes can cause water pressure
buildup between the ice blockage and the
closed faucet at the end of the pipe, which
leads to pipes bursting at their weakest point.
Pipes in attics, crawl spaces and outside walls
are particularly vulnerable to freezing in the
extremely cold weather.
To keep pipes from freezing:
•  Cover exposed pipes with insulation sleeves 
to slow the heat transfer.  The more insulation
the better.
•  Seal cracks and holes in outside walls and 
foundations near water pipes with caulk.
•  Keep cabinet doors open during cold spells toallow warm air to circulate around the pipes.
•  Keep a slow trickle of water flowing through 
faucets connected to pipes that run through
an unheated or unprotected space.
•  Drain the water system, especially if your 
home will be unattended during cold periods.
•  As an extra precaution install a temperature 
alarm to notify you in case of sudden
changes. in temperature.

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Let's work together to protect our teen drivers; stop the texting

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Ohioans who suffered damage due to Tuesday's severe weather should contact their insurance agent or company right away. You can call ODI's consumer hotline at 800-686-1526 with any insurance questions. Post Storm Recovery Tips and Windstorm FAQs: http://insurance.ohio.gov

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GOOD MORNING! Today is Tuesday April 29, 2014. If your birthday is today, happy birthday. Today's weather, cloudy with a chance of meatballs; at least, in Ohio as unpredictable as our weather has been, it's possible, right?

How the King James Bible Came About:

Back in 1603, Queen Elizabeth I passed away. She had ruled England for 45 years, was well-loved, and provided a sense of stability and security during her reign. Described as “neither a good protestant nor yet resolute papist,” she was able to provide a relatively happy medium between the two warring sects. Having had no children of her own, though, the throne was open to King James IV of Scotland, who became King James I of England upon her death.

England had been at war with Scotland on and off over the years. James’ own mother, Mary, had been beheaded by Elizabeth. Still, many people saw the rise of a new king to be the opportunity for religious reform that they had been waiting for.

On his journey south to his English coronation, King James was stopped by a delegation of Puritans who presented him with a list of grievances and proposed reforms. It was signed by over 1000 clergymen—10% of England’s clergy at the time—and was subsequently called the Millenary Petition. They addressed things such as banning the use of wedding rings and wearing a cross, but didn't mention anything about a new bible translation.

The new King James called for a meeting at Hampton Court Palace to address the concerns in the Millenary Petition, which took place in early 1604. The Puritans weren't allowed to attend the first day of the conference, and James largely disregarded most of their requests. In fact, James was happy with the set-up of the English Church, having been extremely frustrated with the Scottish Presbyterian model.

Eventually, Dr. John Reynolds, the lead Puritan voice at the conference, brought up the idea of a bible translation because “those which were allowed in the reign of King Henry VIII and King Edward VI were corrupt and not answerable to the truth of the original.” James, who hated the popular Geneva bible for its anti-royalty message, agreed that a new translation would be for the best. And despite the other outcomes of the conference, the Puritans were happy because they believed they would have a say in the new translation, perhaps enabling them to bring about some of the reforms they wished for anyway.

The translation of the bible didn't begin until 1607. Fifty-four bible experts (only forty-eight were recorded, as some died before the translation was finished) gathered at Oxford, Westminster, and Cambridge to discuss the translation. They came from all levels of religion and had different ideas about the reform that they wanted to see. They had to follow 15 rules for translation, including making no notes in the margins of the Bible and keeping the language accessible to the common people (many of whom were wholly illiterate at the time).

The translators were broken into subcommittees. Each translator independently translated the same section of the bible, which he then brought back to the subcommittee. All of the translations were compared, and one was selected to be sent to the general revising committee. The revising committee listened to the translation rather than read it; because much of their audience was illiterate, they wanted the bible to sound right more than look right. If the translation didn’t sound good, the general committee would debate and revise the passage until it did. Afterwards, they would send their approved passages to a few Bishops, who would then send the passage on to the Archbishop of Canterbury, who would send it to King James who had the final say in the approval of the new translation.

The new translation was finally completed in 1610, but didn't become available to the public until the following year. It was printed by Robert Barker, King James’ personally appointed printer. Unfortunately, the new translation had been so anticipated that Barker rushed to the printer and many mistakes were made. Barker had paid £3,500 for the right to publish the bible, and spent even more trying to fix mistakes and fend off pirating publishers. By 1635, he ended up in debtor’s prison where he would later die.

Aside from printing two different versions of the bible at the same time and allowing their pages to get bound up together rather than separately, major typos were discovered in the 1631 printing, which later became known as “The Wicked Bible.” Among other discrepancies, “God’s greatness” was misprinted as “God’s great asse” and the word “not” was left out of the commandment “Thou shalt not commit adultery.” Because of this, it isn't exactly a mystery as to why the King James Version wasn't popular from the start.
Over time, the King James Bible underwent a number of revisions from the original translation. Typos were corrected, new chapter summaries were included, and marginal references were added and verified for accuracy. The revisions opened the door to increasing the King James Version’s popularity. Today, the Christian Post reports that the King James Bible is the second bestselling bible behind the New International Version.
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GOOD MORNING! Today is Monday April 28, 2014. If you have a birthday today HAPPY BIRTHDAY.

TORNADO Season is fast approaching, and with the recent weekend events in Oklahoma and Arkansas, it's easy to see how quickly your life can change when one hits.

Here are some Tornado safety tips brought to you by Ohio.gov

Whether practicing in a tornado drill or sheltering during a warning, the Ohio Committee for Severe Weather Awareness encourages Ohioans to DUCK!

D - Go DOWN to the lowest level
U - Get UNDER something
C - COVER your head
K - KEEP in shelter until the storm has passed

Take responsibility for your safety and be prepared before a watch or warning is issued. Meet with household members to develop a disaster plan to respond to tornado watches and warnings. Conduct regular tornado drills. When a tornado watch is issued, review your plan – don't wait for the watch to become a warning. Learn how to turn off the water, gas and electricity at the main switches.

Despite Doppler radar, tornadoes can sometimes occur without any warning, allowing very little time to act. It is important to know the basics of tornado safety. Know the difference between tornado watches and tornado warnings.

Tune in to one of the following for weather information: NOAA Weather Radio, local/cable television (Ohio News Network or the Weather Channel), or local radio station.

If you are a person with special needs, register your name and address with your local emergency management agency, police and fire departments before any natural or man-made disaster.

NOAA Weather Radio has available an alerting tool for people who are deaf or have hearing impairments. Some weather radio receivers can be connected to an existing home security system, much the same as a doorbell, smoke detector or other sensor. For additional information, visit: http://www.nws.noaa.gov/nwr/special_need.htm.

The safest place to be during a tornado is a basement. If the building has no basement or cellar, go to a small room (a bathroom or closet) on the lowest level of the structure, away from windows and as close to the center of the building as possible.

Be aware of emergency shelter plans in stores, offices and schools. If no specific shelter has been identified, move to the building's lowest level. Try to avoid areas with large glass windows, large rooms and wide-span roofs such as auditoriums, cafeterias, large hallways or shopping malls.

If you're outside or in mobile home, find shelter immediately by going to the lowest level of a nearby sturdy building. Sturdy buildings are the safest structures to be in when tornadoes threaten. Winds from tornadoes can blow large objects, including cars and mobile homes, hundreds of feet away.

If you cannot quickly get to a shelter, get into your vehicle, buckle your seatbelt and try to drive to the nearest sturdy shelter.

If you experience flying debris while driving, pull over and park. Choose to either stay in your vehicle, stay buckled up, duck down below the windows and cover your head with your hands, or find a depression or ditch, exit your vehicle and use your arms and hands to protect your head. Never seek shelter under highway overpasses and bridges.
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GOOD MORNING! Today is Wednesday April 23, 2014. Temps are going to be in the mid to high 50's. If your birthday is today HAPPY BIRTHDAY!

Vincent Kosuga and His Onions: The Stock Market and Onions
Remember that scene in the movie Trading Places where Eddie Murphy and Dan Aykroyd bankrupted those two old rich guys by cornering the frozen orange juice market? It turns out that a guy actually once did make many millions of dollars by doing pretty much exactly as they did in the movie, only instead of orange juice, he bought onions… millions upon millions of onions. Besides getting filthy rich in his clever little scheme, he inspired the Onion Futures Act, which banned selling onion futures in the United States.

Prior to his stint on the commodities market as the king of onions, Vincent Kosuga was an unimposing, 5 ft 4 inch tall onion farmer who had turned an unwanted 5000 acre patch of dirt into a veritable onion-filled garden of Eden. However, just making money growing onions apparently wasn’t enough excitement for Kosuga and in the early 1950s he turned his attention to trading onion futures through the Chicago Mercantile Exchange, colloquially known as the MERC.
Before we get too far ahead of ourselves, we should note that a few years prior to this, Kosuga had tried to trade wheat futures on the commodities market and screwed up so badly that he brought his family to the brink of bankruptcy. Kosuga’s wife made him promise never to trade again after his failed trades resulted in them having to borrow money from a family friend just to stay afloat.
Ignoring the pleas of his wife, Kosuga soon went back to trading, only this time instead of trading wheat, he stuck to what he knew and began trading onions. If you’re curious about why onions were such a lucrative market, that has a lot to do with the “limited storability of onions” which are typically planted and harvested at very specific times during the year, which meant that for traders the price of onions had the potential to fluctuate wildly on a near day to day basis. For example, when the onions were harvested, they typically commanded a high price due to the fact the market had been virtually devoid of them for many months and remaining stores of the previous crop were rapidly spoiling; however, this inevitably led to many farmers flooding the market with their harvest at the same time in a desperate attempt to get the best price, in turn dramatically lowering the price. The market for onions was so potentially lucrative that at one point in time, about 20% of all the trading that occurred in the MERC involved onions.

As an onion farmer himself, Kosuga held a considerable advantage over the other traders and he very quickly became a rich man buying and selling onion futures. (For those not familiar a “future” is “A financial contract obligating the buyer to purchase an asset (or the seller to sell an asset)… at a predetermined future date and price.”)
In other words, Kosuga was buying onion futures in the hopes that the price would go up when that date arrived so that he could sell them for a profit. The thing is, as an onion farmer, Vincent held considerable sway over the market anyway and also wasn't averse to shady dealings to turn a profit. For example, one year Kosuga desperately needed the price to go up to turn a profit. Knowing that his own crop was coming along nicely, Kosuga surmised that the rest of the market would follow suit and hence when the time to sell came, the market would be full of onions and the price would drop too much. So, in an incredibly sneaky and probably illegal move, Kosuga bribed an official at the Chicago weather office to issue a severe frost warning (which would lead to many onion crops failing). There was no such frost coming, but when this news leaked, people began panic-buying onions, driving up the price and thus making Kosuga his money.
As shady as that move was, it doesn’t even come close to what Kosuga did in 1955 when he teamed up with his friend Sam Siegel. Siegel owned a cold storage facility which he used to store, amongst other things, onions. Between the two men, they effectively had the financial and physical capability to buy and store almost every onion in Chicago, so that’s exactly what they did.

In the Autumn of 1955, after almost a year of frantic buying, Siegel and Kosuga owned 98% of the onions in Chicago (about 30 million pounds worth). With literally the entire supply of onions under their control, the men were then able to artificially inflate the price of onions to about $2.75 a sack by severely restricting the supply.

After they’d inflated the price of onions, the men then enacted the most sinister and brilliant part of their scheme- they began short selling onion futures, which essentially meant they were selling onions in the hope that the price would fall, allowing them to buy them back for a fraction of the cost, making potentially a huge profit in the process. Because the men owned just about every onion in the city, they could guarantee that the price of onions would fall simply by flooding the market with the millions of onions they were holding in reserve as soon as the sales were final.

By March of 1956, the price of onions fell so much that they effectively became worthless (from $2.75 cents per 50 lb bag to 10 cents in the span of just 5 months)- the onions were now worth less than the sacks they were being sold in. Dozens of onion farmers were now experiencing a new way onions can make your eyes water as they went bankrupt and millions of rotting and worthless onions ended up being dumped across the city. (If you’re curious: Why Onions make Your Eyes Water)

As for Kosuga and Siegel, they got away completely scot-free because they’d technically not committed a crime. As a direct result of Kosuga’s actions though, the U.S. government enacted the Onion Futures Act in 1958, making it illegal to trade onion futures.

Perhaps the most curious part of all of this is that Vincent Kosuga was by all accounts a nice guy when he wasn’t ruining people on the onion market. For example, he was a hugely respected and loved philanthropist almost his entire life, and the lion’s share of the money he earned trading actually went straight to some charity or other. He was also well known for showering friends and family in lavish gifts. Kosuga was also a very devout Catholic and he donated so much money to help fund the church’s charitable activities that he was given a private audience with three different Popes. To top it all off, Kosuga was so loved by his community that Pine Island (the place he called his home) voted him their citizen of the year in 1987.

If you’re wondering, after Kosuga made his vast fortune, rather than retiring to a tropical island, he opened up a restaurant called “The Jolly Onion Inn” where he worked as a chef.
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GOOD MORNING! Today is Tuesday April 22, 2014. If you are celebrating your birthday today, HAPPY BIRTHDAY!

What Makes a Vowel a Vowel and a Consonant a Consonant?

You already know that vowels in the English alphabet are a, e, i, o, u, and sometimes y, while the rest of the letters are called consonants. But did you ever ask yourself why the letters were divided into two separate groups?

Basically, a vowel is a sound that is made with the mouth and throat not closing at any point. In contrast, a consonant is a sound that is made with the air stopping once or more during the vocalization. That means that at some point, the sound is stopped by your teeth, tongue, lips, or constriction of the vocal chords.

The difference explains why “y” is only “sometimes” a vowel. Depending on which word “y” is being used in, it can represent different sounds. In words like “myth” or “hymn,” the letter takes on a sound like a short “i” and the mouth and throat don’t close when the sound is made. However, in words like “beyond,” it acts as a bridge between the “e” and the “o,” and there is some partial closure, making “y” a consonant.

Another forgotten letter that has the same qualities as “y” is “w.” While “w” is almost always a consonant, it is considered a vowel at the end of words like “wow” or “how.” You can see for yourself when saying these words that your mouth doesn't fully close while pronouncing the letter.

There are, of course, other differences between vowels and consonants. For instance, in English you can have vowels that are entire words, such as “a” or “I.” You won’t see a consonant that is a word by itself, however. Words in English need vowels to break up the sounds that consonants make. So, while every word has to have a vowel, not every word has to have a consonant.

There are strings of consonants that are sometimes written like full words, like “hmm.” However, these are just sounds rather than actual words. You will also find that most words in English won’t have more than three consonants in a row, because otherwise it gets to be too difficult for English-speakers to say it. There are exceptions, of course—take the word “strengths” for example, which has a string of five consonants (though it only has three consonant sounds in a row: ng, th, and s). In other languages, like Polish, long strings of consonants are more common.

Of course, there are also sounds made by consonants that can be repeated over and over without a vowel sound. If you were to repeat “z” over and over, like the sound of a buzzing bee, you would find that your mouth remains slightly open and the sound is seemingly unobstructed—so shouldn't it fall under the “vowel” category? The letter “z,” along with the letter “s,” actually fall under a subcategory of consonants called “fricatives.” Fricatives are sounds you make by pushing air through a small gap in your teeth.

As you can see, the differences between vowels and consonants are more complex than you were probably taught in elementary school. It’s less about the letters and more about how your mouth moves when you’re saying them.
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GOOD MORNING and Happy Good Friday! Today is Friday April 18 2014, enjoy your day.

Wishing you and yours a very nice holiday weekend. Remember that we will be open until 1 pm today.
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Do you participate in Ride Share?  If so, this message is important to you.


Press Release
 
STATE OF OHIO
DEPARTMENT OF INSURANCE
COMMUNICATIONS OFFICE
 
 
4/16/2014 

Consumer Alert: Transportation Networking Companies (TNC)


Insurance Gaps May Exist for TNC Drivers and Passengers


COLUMBUS — Ohio Lieutenant Governor and Insurance Director Mary Taylor has issued a consumer alert to highlight potential insurance implications for Ohio drivers participating in transportation networking company (TNC) services.
 
TNCs are companies that offer transportation services for a fee using an online method or an application (such as smart phone apps) to connect potential passengers to drivers using their personal vehicles.
 
“Ohioans considering these types of services should weigh all factors including any coverage gaps that may exist,” Taylor said. “While the driver may have insurance, his or her policy may or may not provide all the coverage needed should an accident occur.”
 
The Ohio Department of Insurance wants Ohioans to be aware of the insurance gaps that may exist for TNC drivers and passengers. Most personal auto insurance policies contain exclusions when a person uses their personal vehicle for commercial purposes; such as carrying a person for a fee. Personal automobile insurance is not intended to cover people who are using their vehicles for commercial purposes.
 
While TNCs may provide liability insurance, they may not provide medical payments coverage, comprehensive, collision, uninsured and underinsured motorist (UM/UIM) coverage, or other types of coverage to fully protect TNC drivers and passengers.
 
If you are a driver considering employment with a TNC, Taylor offers these tips:
Review your personal auto insurance policy and the TNC program’s insurance policy.
Contact your agent, broker or insurance company about potential gaps in your personal automobile or the TNCs’ policy.
Consider buying a commercial automobile insurance policy that includes coverage for bodily injury or property damage to you and others, and/or for damage caused by an uninsured or underinsured motorist while you are driving passengers for payment.  
If you have additional questions regarding your coverage as a TNC driver, call the Ohio Department of Insurance consumer hotline at 1-800-686-1526 for assistance. Insurance information is available at www.insurance.ohio.gov. For the latest insurance information, you can follow the Department on twitter @OHInsurance and on Facebook at www.facebook.com/OhioDepartmentofInsurance.  
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