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What is the difference between permanent and term life insurance

This has to be the most asked question that an insurance agent gets in the normal week. So I will try to explain the basic differences using general terms and the example of homeownership verse apartment renting, an experience most can relate to.

October 17, 2008 | Mark Czachowski Guest Columnist | Business


Jobless numbers up in metro Savannah, Coastal Empire

ATLANTA – The Georgia Department of Labor reported that the unemployment rate in metro Savannah rose to a preliminary unadjusted rate of 5.8 percent in August, up 1.9 percentage points over the year from 3.9 percent in August 2007.

October 17, 2008 | Staff Report | Business


Party time for Party Connection

Party Connection held their grand opening ribbon cutting last Friday.

October 17, 2008 | Casey Davis | Business


Smart ways to respond to a down market

If you're an investor, you may have been disappointed with how the markets have been reacting this summer to the news of high oil prices and other short-term events. Nonetheless, your long-term financial goals don't have to be jeopardized by these losses - if you know how to respond to them.

October 10, 2008 | Frank Bevenour Guest Columnist | Business


National Nephrology Week

DaVita-Effingham North Dialysis of Springfield is marking National Nephrology Week, which runs through Sept. 20. The staff acknowledges the physicians, nephrology nurses, personal care technicians and supportive staff for their commitment, knowledge and skills.

October 10, 2008 | Staff Report | Business


Microtel tops J.D. Power and Associates survey

For an unprecedented seventh consecutive year, Microtel Inn and Suites has been ranked highest in guest satisfaction among economy/budget hotel chains. This ranking was the conclusion of 2008 study by J. D. Power and Associates. Microtel is the only brand in the hotel industry to have received this recognition seven consecutive times.

October 10, 2008 | Staff Report | Business


State jobless rate hits 15-year high in August

ATLANTA - The Georgia Department of Labor reported that the state's seasonally adjusted unemployment rate rose to 6.3 percent in August, the highest in 15 years. The jobless rate was up 1.9 percentage points from 4.4 percent at this same time last year. During the same period, the number of payroll jobs decreased 37,700 or nine-tenths of one percentage point.

October 10, 2008 | Staff Report | Business


State’s initial unemployment claims jump

ATLANTA - The Georgia Department of Labor announced that 59,090 laid-off workers filed first-time claims for unemployment insurance benefits in August, an increase of 72.1 percent from August 2007. From July to August, the initial claims declined from 59,165, a drop of one-tenth of one percent.

October 07, 2008 | Staff Report | Business


What a trust can do for you

First thing that you will need to know is that a trust isn't for just the rich or the dead. Basically, a trust is a legal arrangement by which you, as grantor (or creator of the trust), transfer property to a trustee which can be the trust department of a company or an individual for the benefit of one or more beneficiaries. The trust document, drafted by an attorney, is the grantors guidelines on how and when assets will be distributed to named beneficiaries and their rights, and for how long a trust will last, the powers and duties ...

October 07, 2008 | Mark Czachowski Guest Columnist | Business


Dixon joins Spine and Sport

Spine and Sport welcomes Dr. Alysha Dixon to the team. Dr. Dixon is a new physical therapist at Spine and Sport.

October 07, 2008 | Staff Report | Business


Business startup workshop coming

A workshop entitled "Thinking of Starting A Business" will be held Sept. 25 in the conference room of the Small Business Assistance Center, 111 East Liberty St., Savannah. The University of Georgia Small Business Development Center and the Service Corps of Retired Executives sponsor these events.

October 07, 2008 | Staff Report | Business


Allen, Weston named asst. VPs at Citizens Bank

Troy Allen and Glenn Weston have been named assistant vice presidents at Citizens Bank, according to an announcement by Michael T. Lee, president and CEO.

October 07, 2008 | Staff Report | Business


Local banker graduates from top consumer lending school

Marcus McBride of Springfield recently graduated from the Community Bankers Association of Georgia's Consumer Lending School, which is a part of the Community Bankers University. McBride was among 32 graduates who received a certificate of completion from this highly regarded school after an intensive week-long curriculum.

October 03, 2008 | Staff Report | Business


Congress introduces resolutions for Life Insurance Awareness Month

WASHINGTON, D.C. - Recognizing the alarming number of Americans who lack the life insurance needed to ensure their families' financial security, the U.S. House of Representatives and the U.S. Senate for the first time in 2004 passed separate resolutions recognizing September as "National Life Insurance Awareness Month." Each year these resolutions are renewed and in 2008 at the federal level, SR 602 has already been introduced in the Senate by Sens. Saxby Chambliss and Ben Nelson, and Reps. Judy Biggert and Paul Kanjorski have introduced HR 1392, the House of Representative's companion resolution.

September 30, 2008 | Staff Report | Business


Heritage Bank opening new Savannah branch

The Heritage Bank announced recently that it will open its latest full-service branch office on Stephenson Avenue in Savannah. The bank also announced that Jamie Chisolm of Savannah has joined Heritage as the Chatham market executive. Chisolm and his Savannah team are opening the new Stephenson Avenue office.

September 30, 2008 | Staff Report | Business


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