The world is at your fingertips when you sit down at the computer in these wired-in days. Answers to most of your questions are just a few clicks away. What can't you do is the real question.

You can research contractors for renovations, or book a cruise for a spring getaway. You can chat with your son who is on an exchange program in Japan, and wire him money without ever getting up from your computer.

Far and away, one of the greatest conveniences to come of this (yes, aside from shopping) is online banking. Being able to manage your money, pay your bills, and make changes to your retirement plans without having to stand in line at the bank or wait for the mail is a priceless ability.

For the new year, if you haven't already, resolve to learn the online features your bank offers. Most major utility companies offer paper free billing and automatic withdrawals from your account. You can arrange to have your bank send out your insurance or other regular payments like your mortgage. Make your life simpler in the new year, and find some extra time for yourself using modern techonology.

Winter has officially started and we're in the midst of the holidays. With some early snow it looks as though we could be gearing up for a messy winter season. The average November temperature was 8 degrees colder than in 2004. For some winter tips on protecting your home, contact us.  


October 1st brought changes in Connecticut

First - Drivers may now be ticketed for distractions while driving - this may include include hand held phones, eating, and interacting with children. This offense is at the officer's discretion, so be aware of what may be taking your attention off of the road. Source: www.iii.org

Second - Booster seats are now required for children until 6 years of age AND 60 lbs. It is also recommended that children remain in the backseat until the age of 13. Source: CT Safe Kids


Please welcome the 2 newest members of Shepard Insurance Group:
Kelly Bisch has joined us in Personal Lines as a Customer Service Representative.

Marissa Zinsser is our new Marketing Communications Assistant.

Top 10 Safest Cars of 2005
  • Ford Five Hundred/
    Mercury Montego
  • Audi A6
  • Saab 9-3
  • Subaru Legacy
  • Audi A3
  • Audi A4
  • Chevrolet Malibu
    (with optional side airbags)
  • Volkswagen Jetta
  • Volkswagen Passat
  • Honda Civic 4-door


For 2006, you will now be able to contribute up to $15,000 into your 401k plan. Those over 50 are eligible to contribute an additional $5,000. Also changing, Social Security is raising its taxable wage base from $90,000 to $94,200 in 2006.

Volume 3/Holiday 2005/Shepard on Insurance is a publication of Shepard Insurance Group
One Sound Shore Dr, Greenwich, CT 06830 Phone: 203.661.6655 Fax: 203.661.6983
Visit us: www.shepardinsgrp.com     Contact us (or for removal from mailing list): ShepardonInsurance