- Tuesday: Eighth annual Augusta-Aiken Society for Human Resources Management Workshop; four seminars featuring experts in hiring, performance appraisal, employment law and organizational development; 8 a.m. to 4 p.m., Belair Conference Center, 4081 Jimmie Dyess Parkway; $50 members and students, $100 nonmembers, $50 students; includes breakfast and lunch; call Shirley Evenson at (706) 854-6491.
- Tuesday: Tax Reform Legislation and Implications for Small Business; National Federation of Independent Business' Georgia director, David Raynor, and invited legislators will speak from noon to 1:30 p.m. at Sixth at Watkins, 559 Watkins Str.; $10 per person or $15 for two; register with Katie Jones at (404) 876-8516 or visit www.nfib.com/ga.
- Wednesday: QuickBook Pro 2007; hands-on computer series on Intuit accounting software for small businesses; Augusta Technical College, Building 600, Room 653.; 8:30 a.m.; $200; R.S.V.P. Debra McKenzie (706) 737-1790.
- Wednesday: Augusta Area SHRM monthly meeting; speaker Georgina Riley on Challenges to Hispanics in the Workplace; 11:45 a.m. to 1 p.m.; T-Bonz Catering Hall, 2858 Washington Road; nonmembers eligible for membership receive free visit with R.S.V.P.; others $15; contact Paula Kitchens at email@example.com.
- Thursday, and Nov. 1 and Nov. 28: QuickBooks 2007 Training Seminar; learn how to work lists, bank accounts, payroll and other business accounting functions; 8:30 a.m. to 5 p.m., Serotta Maddocks Evans & Co. CPAs, 701 Greene St.t, Suite 200, $98; call Melissa Canady at (706) 722-5337
- Thursday: How to Write a Business Plan; workshop reviews major sections of a business plan and its elements, and provides tips on how to gather the necessary information to produce an effective business plan; 8:30 a.m. to 1 p.m.; University of South Carolina Aiken Small Business Development Center Nursing Building, Room 120; $40; contact firstname.lastname@example.org or (803) 641-3646.
- Thursday: CSRA Medical Managers' Association monthly meeting; speaker Buddy Wimmer, Illegal Drugs in the Workplace; 11:30 a.m., Partridge Inn; members free, guests $15; call Ruby Patterson at (706) 828-6416.
- Oct. 2: Medical College of Georgia Mini-Medical School kickoff; guest speaker series educating the public about medicine and health care in general; 7-9 p.m. on six consecutive Tuesdays; MCG School of Dentistry auditorium, Room 1020; $10 tuition for high school students with identification, $35 for MCG employees, $50 for individuals and $75 for families; includes snacks, learning materials and a graduation certificate; semester counts for 12 hours of continuing education credit.
- Oct. 2-23: Entrepreneur Development Certificate Program; 6 p.m., University of Georgia Small Business Development Center office; $210 for series, $49 per class; R.S.V.P. to Debra McKenzie at (706) 737-1790.
- Oct. 11: Step-by-Step Web Site Development Workshop; University of South Carolina Small Business Development Center; award winning professional Web site development program; Business & Education Building, Room 140; $40, seating limited, registration required; contact (803) 641-3646 or e-mail email@example.com.
- Free counseling for small-business owners and entrepreneurs; SCORE Associates, a nonprofit volunteer organization; call (706) 793-9998 in Augusta, (803) 641-1111 in Aiken and (803) 279-2323 in North Augusta for an appointment.
- How to Find Grant Funding for Your Nonprofit; Learn how to research and identify grants using the Georgia Center for Nonprofits' Foundation Online Directory tool; Tuesdays 10-11 a.m., 630 Ellis St., free, register by calling Delores Hughes at (706) 826-1493 or online at www.gcn.org.
- United Way Helpline; dial 211 to speak with a specialist who can help you with information and referrals to day care providers, free back-to-school supplies, senior citizen programs, rent and utility assistance programs, food pantries, housing, prescription assistance and more; 24 hours a day, seven days a week; out of area residents can call toll free (877) 292-5211; some mobile phone callers may need to call (706) 826-1495.
- Instructor-led online courses; Augusta State University Education to Go program; call (706) 736-1636 for schedule or go to www.ced.aug.edu and click on "courses."
l Personal financial pitfalls for seniors; AARP Georgia seminar demonstrating how consumers can protect their assets from financial fraud and marketplace abuses; call the CSRA Area Agency on Aging at (706) 210-2000 or (888) 922-4464.
- Word of Mouth Network, group seeks network of 200 entrepreneurs and businesspeople for a referral network; call Richard Banks at (706) 736-5020 for an e-mail providing a concise overview.
- The NoonTime Networkers, area chapter of Business Network International; meets every Thursday at 11:30 a.m., T-Bonz Banquet Hall, 2858 Washington Road; contact Melanie Smith at melanie. firstname.lastname@example.org.
- The Leads at Lunch chapter of Business Networking International meets every Tuesday at 11:30 a.m. at Golden Corral, Bobby Jones Expressway; call Linda at (706) 309-9093.
- President's Club; ongoing reinforcement of sales training systems for business owners, sales representatives and managers; Tuesdays and Thursdays, 8:30 a.m., 699 Broad St., Suite 1001; call (706) 432-0040.
- The Referrals at Breakfast meeting of Business Network International, every Thursday at 7 a.m. at Athens Restaurant on Bobby Jones Expressway; call Chuck Ellison at (706) 294-5502.
- Augusta Business Development Club, referral group of noncompeting business people; 7:15 a.m., Tuesdays, The Partridge Inn, Walton Way; free; contact Stuart Rayburn at (706) 737-0050.
- Georgia-Carolina Investment Club is looking for members. If you are interested in real estate investing, call Bert Ellis for details at (803) 645-7883.
- Business Network International Pro-Active Professionals chapter; meets Wednesdays at 11:30 a.m. at Cleveland & Anderson CPAs on Davis Road; call Angela Brock at (706) 868-5916 for details.
- Business Network International First Things First chapter; meets Tuesdays at 7 a.m. at Cleveland & Anderson CPAs on Davis Road; call Adam Williams at (706) 868-5916.
- North Augusta Networkers; Business Network International group; Tuesdays at 11:30 a.m., North Augusta Community Center; call Briton Williams at (803) 442-3827.
- Georgia Real Estate Investors Association; education on the topic of real estate investing for newcomers and the experienced; 7 p.m., second Thursday each month; Columbia County Library Performing Arts Center; $5 members; $10 nonmembers; call Debbie at (706) 364-6612.
- Hands-On Computer Training: programs on Microsoft Office, Word, Excel and more; morning, afternoon and evening classes; Marketable Skills Training Center, 2321 Peach Orchard Road, Suite E; $120 per six weeks, per class; call Gwen Watts at (706) 729-0941.
- Software training for Microsoft Windows, Microsoft Office and other applications; daytime and evening classes offered Monday through Saturday; Computer Link, 596 Bobby Jones Expressway; call (706) 860-8313.
- Microsoft Office User Specialist tests; MCSE, A , N , and I-NET ; Savannah River College; call Shannon Thomas at (706) 738-5046
- Microsoft Small Business Server; install-it-yourself workshop for small-business owners by Network Consultants; $99; visit augustasoftwaretraining. com for details.
creasing the deductible to $2,000 reduces the estimate to $1,048.
- In North Augusta, the annual premium on the same type of $100,000 home with a $500 deductible could be about $631. Increasing the deductible to $1,000 brings down this estimate to $555, and increasing the deductible to $2,000 reduces the estimate to $490.
- In North Augusta, a $350,000 home with a $500 deductible could have a premium of about $1,683, but with a $1,000 deductible, this estimate is reduced to $1,465. The $2,000 deductible brings the estimate down to $1,294.
What does this mean? A homeowner can take on additional risk and save money on an annual basis. There is a caution to consider.
The savings, or at least a portion of the savings, should be set aside until there is enough to cover the cost of the deductible. On average, the insurance industry says a homeowners claim is made once every 10 years, but saving the month up front allow the homeowner to draw interest on the savings and provides the cushion should a claim be made.
The same principle of increased deductible to lower annual payment holds true with automobile insurance as well. And don't forget to ask about all applicable discounts from any insurer.
DAVID COLMANS IS THE EXECUTIVE DIRECTOR OF THE GEORGIA INSURANCE INFORMATION SERVICE, A NONPROFIT TRADE ASSOCIATION OF PROPERTY AND CASUALTY INSURANCE COMPANIES THAT DO BUSINESS IN GEORGIA. LEARN MORE AT WWW.GIIS.ORG.
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