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Most Expensive Cars to Insure

David Gelles — Mon, 20 Aug 2007 21:00:00 GMT

Most Expensive Cars to Insure

by David Gelles
Tuesday, August 14, 2007provided by

Eyeing that 2007 Mercedes S Class with all the trimmings? Be prepared to pay through the nose for it.

And for the insurance.

It should come as no surprise that the more expensive the car, the more it will cost to insure it. But just how expensive may come as a shock. For modest coverage ($500 deductibles on collision and comprehensive coverage, $100,000 each for personal and property coverage and $25,000 each for medical and uninsured coverage) on this year's $135,400 Mercedes SL, owners will pay about $22,536 a year.

For pricey cars like this, 20% of the base price is typical. But for those with low monthly payments on high-end cars, that could mean spending more on insurance than on the car itself.

"The cost of the vehicle is primary when setting the price of a policy," says David Wurster, president of Vincentric, a Detroit-based automotive data firm that studies car- insurance costs. Vincentric gets its data from state agencies and averages these figures in compiling its list of most expensive yearly rates. "But there's also the type of vehicle it is. Sports-car owners tend to drive them a little more aggressively."

This, in turn, leads to higher-priced policies. With this in mind, it's no surprise that racy offerings from Mercedes, BMW and Porsche make for some of the most expensive cars to insure.

How It Works
"We start with the manufacturer's suggested retail price (MSRP)," says Kip Diggs, a spokesman for State Farm, the largest insurer of autos in the U.S. Diggs says State Farm then considers how expensive it is to repair each model. The more costly the parts, the higher the policy. For foreign brands with parts from afar, expect to pay more. "From there," Diggs says, "we look at safety features to see if a vehicle qualifies for a safety discount."

Allstate, the second-largest U.S. car insurer, also considers the MSRP, but places more weight on a policyholder's driving record.

"Pricing has more to do with the driver than the car," says spokesman Raleigh Floyd. "If there are two drivers with the same car, the driver with accident histories will have a higher rate. He has shown himself to be a higher risk." Those with a penchant for wrecking Ferrari Enzos on California's Highway 1, for example, can expect to pay more.

Age is also a factor. "A 17-year-old driver is going to be more expensive to insure than a 40-year-old with a family," says Floyd. "Experience counts. It counts a lot."

There are some anomalies in the ranking.

"You would think a Corvette convertible would be hideously expensive to insure," says State Farm's Diggs. "But that car is involved in very few accidents, so it's fairly low." This is because research shows Corvettes typically aren't driven every day.

More utilitarian models, like the Toyota Camry, however, can be more expensive to insure because with more road time, they are more likely to be involved in an accident. Vincentric doesn't collect data on exotics like Ferraris and Lamborghinis because, says Wurster, there are too few owners to make the data useful.

Policy pricing also has to do with where a car is garaged, with urban areas considered higher-risk. "In a more concentrated area, your chances of bumping into something are higher," says Floyd. "Jersey's going to be on one end of the spectrum, and a less populous state is going to be on the exact opposite."

But if you have a hundred grand to spend on a car, you're probably not worrying about insurance.

"For people of that caliber," says a salesman at Mercedes Benz Manhattan, "the cost of insurance really isn't an issue."

20-Aug-07 4:00 PM

Flood Insurance Can Avoid Washout

Donald Jay Korn — Thu, 26 Jul 2007 20:00:00 GMT

Investor's Business Daily
Flood Insurance Can Avoid Washout
Friday July 6, 7:00 pm ET
Donald Jay Korn

Hurricane season is here. And the worst may be yet to come.

The season stretches through October -- and 77% of the storms strike after July, the National Hurricane Center says.

This year, the National Oceanic and Atmospheric Administration predicts 13 to 17 named Atlantic storms. Seven to 10 should become hurricanes. An average season sees 11 named storms.

And active storm seasons can be costly. "Total claims paid by the National Flood Insurance Program during the 2004 and 2005 hurricane seasons totaled nearly $18 billion," said David Maurstad, director of mitigation and federal insurance administrator for the program.

Katrina accounts for 87% of the total, which was $3 billion more than the NFIP paid after the program began in 1978.

You don't have to live in hurricane territory to be concerned. Floods occur in all 50 states. Texas and parts of the central and southern U.S. have already been socked by devastating floods in recent weeks.

A key problem is that most homeowner policies don't cover floods. They usually cover damage from falling rain. Floods are excluded.

A flood occurs when a nearby river or stream overflows. It's also when ground water from a storm seeps into your basement.

To get coverage, you can buy flood insurance. Basic coverage is available through NFIP, which is administered by the Federal Emergency Management Agency.

This program covers more than 5.4 million people.

"Most NFIP policies are sold by private insurance companies," said Maurstad. The agent who sold your homeowner's policy may handle NFIP coverage, too.

NFIP insurance can reimburse you for up to $250,000 of damage to your home. The limit for contents is $100,000. That's for homeowners and renters.

Business property owners can insure a building for as much as $500,000. They can get another $500,000 of coverage for contents.

Cost Vs. Coverage

The cost of an NFIP policy varies with the coverage. All insurers must charge the same.

You'll pay the highest premium if your home is in a high-risk flood zone. That's an area where the odds of a flood are at least 1% yearly.

In these areas, you may need flood insurance to get a mortgage.

You'll pay as much as $5,358 a year to get maximum NFIP coverage if you live in a high-risk coastal area. Go to floodsmart.gov to see if your home is in this category.

That price assumes you insure the house for $250,000 and contents for $100,000. It also assumes you take a $500 deductible. A higher deductible will lower your premium.

You can get the same $250,000 and $100,000 coverage with a $500 deductible for as little as $317 a year. That will be the case if you qualify as a preferred risk.

You must live in an area with low to moderate flood risk. And you can't have a history of generating sizable flood claims for that home.

From the time you buy an NFIP policy, it usually takes 30 days for coverage to take effect. So don't wait until a storm is on its way.

Start the process as soon as you determine you're interested in this coverage. And don't feel you must stop with NFIP insurance.

The cost to rebuild your home could top the NFIP's $250,000 ceiling. And your contents may be worth more than $100,000.

If needed, you can buy coverage beyond the NFIP limits from such companies as American International Group, Chubb and Fireman's Fund.

Some policies start where NFIP coverage ends. Other policies replace NFIP coverage. The latter provide the first dollar of damage compensation, then extend above the NFIP ceilings.

An insurer may require you to have a basic homeowner's policy from that insurer as well. Having one policy can help you avoid a debate with multiple insurers over which ones must pay for various damages.

For example, if you have homeowner's insurance with Fireman's Fund, you might be able to add $1 million of flood insurance for $555 per year. That rate applies to low and moderate risk areas.

At AIG, excess flood coverage may be available if you have homeowner's coverage through its Private Client Group. The company's Lexington Insurance subsidiary offers coverage even if you don't have its homeowner's policy.

Mansion Insurance

At either AIG insurer, prices are on a case-by-case basis, dependent on factors such as building age and construction method.

The same case-by-case approach is reported by Chubb, where coverage up to a total of $15 million is available, for home and contents. Flood insurance policies are available in some states and are being rolled out to others.

Chubb offers flood insurance that picks up where NFIP coverage leaves off.

Or you can buy a policy that pays first-to-last dollar, eliminating the need for NFIP insurance.

You'll pay more for a Chubb policy, in return for broader coverage.

26-Jul-07 3:00 PM

What You Need to Know about Health Savings Accounts

Sue Stevens , CFA, CFP, CPA — Thu, 26 Jul 2007 20:00:00 GMT

Morningstar.com
What You Need to Know about Health Savings Accounts
Thursday July 26, 7:00 am ET
By Sue Stevens, CFA, CFP, CPA

Health Savings Accounts are becoming more popular. More companies are offering this type of plan to their employees, and there is a lot of confusion about what these plans are and if they are appropriate for a given situation. I'll discuss the basics of HSAs and help you determine if one is right for you.

What Is an HSA?
Health Savings Accounts were created by a provision in the Medicare Prescription Drug Improvement and Modernization Act and signed into law in December 2003. The purpose was to provide a way for Americans to prepare for future medical costs and lower their health insurance premiums by switching to higher-deductible medical plans.

In 2007, individuals can contribute to an HSA up to the lesser of their deductible or $2,850. (Families can contribute $5,650.) If you're over age 55, you can also make a catch-up contribution of $800 in 2007 (with catch-up contributions for the 55-plus set increasing by $100 per year to a maximum of $1,000 in 2009). If an individual contributes to an HSA, he or she can take an "above-the-line" deduction on his or her tax return (dollar for dollar).

If an employer makes a contribution to an employee's HSA, that contribution is not taxable to the employee. If you change jobs, HSAs are portable--so they can go with you.

Self-employed individuals and employers cannot only deduct their contributions to HSAs, they can also deduct the premiums.

Individuals who are not covered by an employer health insurance plan can set up an account and make tax-deductible contributions (although their premiums are not tax deductible).

You can tap the funds in your HSA to pay medical expenses. Withdrawals are tax-free if used for qualified medical expenses.

If you don't need to tap the funds in your HSA, you can let your contributions grow over time tax-free (similar to IRA accounts). HSA contributions grow on a tax-deferred basis.

Unlike flexible spending accounts you may have used in the past, HSA contributions are not "use it or lose it."

Who's Eligible?
To be eligible, you have to meet four requirements:

You have to be covered by a high-deductible health insurance plan. "High-deductible" is defined as a deductible (where you pay the first dollars for medical service out of your own pocket) of $1,100 or higher for singles, $2,200 or higher for families. The out-of-pocket maximum for singles can't be more than $5,500 ($11,000 for families). The high-deductible plans may have no deductible for preventive care and higher out-of-pocket expenses for non-network services.

You can't be covered by another health insurance plan, such as a spouse's plan.

You can't be age 65 and older.You can't be claimed as a dependent on someone else's tax return.

New Developments Affecting HSAs

There are a couple new developments that affect HSAs. On Dec. 20, 2006, the Health Opportunity Patient Empowerment Act of 2006 was passed. Here are some of the HSA-related provisions per The Department of the Treasury:Employers can transfer funds from Flexible Spending Accounts or Health Reimbursement Arrangements to an HSA for employees switching to an HSA compatible plan.You can make a one-time transfer (once in a lifetime) from an IRA to an HSA. But the amount can't be more than the annual contribution limit. You don't get a tax deduction for doing this. It is not considered an early withdrawal, so you will not be subject to the 10% penalty.

What's Covered?
Traditional medical costs like diagnosis and treatment of disease are covered by an HSA. In addition, many expenses not covered by traditional medical insurance would be covered: eye care, dental care, prescription and some non-prescription drugs, COBRA premiums, acupuncture, Braille books, midwifery, a seeing-eye dog, qualified long-term care services, and more. The same things you can deduct on Schedule A are considered medical expenses for HSAs. For more on exactly what qualifies, see IRS Publication 502: Medical and Dental Expenses.

If you take a distribution for non-medical expenses and you are under age 65 or not disabled, you'll pay a 10% penalty in addition to ordinary income tax.

What Happens Once You Are Age 65 and Older?
Although your contributions must stop when you're enrolled in Medicare, the accumulated dollars can be used tax-free for qualified medical expenses such as Medicare Part A&B premiums, Medicare HMO, and the employee's share of retiree medical insurance premiums. You can't use the money to purchase a Medigap policy. If you use the money for non-medical expenses, you'll pay tax on your withdrawals (but no penalty).

If you die and have money in an HSA, your spouse can use the account just like it was his or her own. If you are not married, the account can pass to a beneficiary, but will no longer be considered an HSA and it will be taxable to the beneficiary. If your estate is the beneficiary, the value of the HSA will be included on your final income tax return.

Where Can You Set Up an HSA?
So far, HSAs are primarily offered by insurance companies or banks. Insurance companies providing HSAs include UniCare, Fortis, Blue Cross Blue Shield, and Golden Rule. You can also try calling some local banks to see if they offer HSAs or check out the insurance locator. Remember, you have to invest in whatever the institution offers--so choices may be limited.

More Resources on HSAsThe Basics of HSAs Department of the Treasury

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http://biz.yahoo.com/ms/070726/199639.html?.v=1&.pf=insurance

26-Jul-07 3:00 PM

Dean & Draper Insurance Agency Included in IIABA's Best Practices Study

noemail@deandraper.com — Wed, 17 Sep 2008 19:00:00 GMT

Dean & Draper Insurance Agency Included In IIABA’s Best Practices Study Houston, Texas, 9/17/08 – Dean Draper Insurance Agency has been selected for the second year (2008) 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) Best Practices Study Group. Only 195 independent agencies throughout the U.S. qualified for inclusion in the Best Practices Study. An IIABA affiliated state association or an insurance company must first nominate the agency which then must qualify based on outstanding customer services, growth, stability and financial management. The Best Practices Study was initiated by IIABA in 1993 as the foundation for efforts to improve agency performance. The annual study of leading independent insurance agencies, which is conducted for IIABA by Reagan Consulting of Atlanta, GA documents the business practices of these best agencies and...

Mr. Robert (Bob) F. Dean, CEO of Dean & Draper, recognized to receive the Regan Medal

noemail@deandraper.com — Thu, 12 Jul 2007 20:00:00 GMT

Business Advisory Council National Republican Congressional Committee For Immediate Release Contact: Mr. Robert F. Dean (713) 527-0444 MR. ROBERT F. DEAN RECOGNIZED BY NATIONAL REPUBLICAN CONGRESSIONAL COMMITTEE LOCAL BUSINESS LEADER TO RECEIVE REAGAN MEDAL Washington, D.C. – The National Republican Congressional Committee (NRCC) announced this week that Mr. Robert F. Dean of Houston has been selected as a recipient of the 2005 Ronald Reagan Republican Gold Medal. U.S. Representative Tom Reynolds (R-NY), Chairman of the NRCC, stated, “Mr. Dean has long supported Republican ideals, like debt reduction and tax reform as they related to the growth and stability of small business in this country. I look forward to Mr. Dean’s continued participation as a key member of the Committee and offer my congratulations on the award.” Those who are selected to receive the Ronald Reagan Republican Gold Medal are invited to participate in periodic strategy briefings to...

March 6th, 2006 Deborah Foster Joins Dean & Draper

noemail@deandraper.com — Thu, 14 Jun 2007 15:00:00 GMT

Houston, Texas-based Dean & Draper Insurance Agency LP announced that Deborah Foster Ware, the founder and owner of Deborah S. Foster & Associates, has joined the team at Dean & Draper.

Foster brings with her over 38 years experience in the insurance industry.

The company said Bob Dean, Dean & Draper's president and founder, is focused on growing the agency through the production of new business, acquisitions and mergers, and working with other professional agents within the agency.

"We are always looking for leaders in the insurance industry with strong professional expertise, like Foster, and she will make an excellent addition to our team," Dean stated.

Representing over 200 insurance companies, Dean & Draper provides both personal and commercial insurance with a strong market share in Houston and in other Texas locations of Navasota, College Station and Sulphur Springs. Dean & Draper has grown to over more than $85 million in premiums and 80 agents and employees.

http://www.insurancejournal.com/news/southcentral/2006/03/06/66168.htm

March 6th, 2006 Houston Ben H. Moore Agency Joins Alpha Omega Insurance Group

noemail@deandraper.com — Thu, 14 Jun 2007 15:00:00 GMT

Dean & Draper Insurance Agency LP announced that Ben H. Moore Insurance Agency has joined the Alpha Omega Insurance Group LP, a Dean & Draper Company.

Ben H. Moore started the Houston agency in 1939, and his son, Bill Moore, took over operations in 1974.

"I have searched extensively," Moore stated, "and I feel that this affiliation best fits how we have done business in the past. Our clients will be able to receive the same level of service they have always received but with the added value of the strength and support of being part of a much larger agency."

Alpha Omega Chief Operating Officer Gary Norris affirmed, "The merger of Moore's Agency with Alpha Omega enhances our on going success and strong market presence in North Houston."

Alpha Omega Insurance Group LP became an equity partner of Dean & Draper in 2004.

Dean & Draper Insurance Agency LP represents over 200 insurance companies, and provides both personal and commercial insurance with a strong market share in Houston and in other Texas locations of Navasota, College Station and Sulphur Springs. In business for over 25 years, Dean & Draper has grown to over more than $85 million in premiums and 80 agents and employees.

http://www.insurancejournal.com/news/southcentral/2006/03/06/66208.htm

April 4th, 2006 Dean & Draper Wins President's Award from America First

noemail@deandraper.com — Thu, 14 Jun 2007 14:00:00 GMT

Houston, Texas-based Dean & Draper Insurance Agency LP announced that the firm has won the America First Insurance Company's "President's Award" for 2006. This is the second year in a row that the agency has received this award.

The America First President's Award is given annually to agencies that have achieved superior performance goals and demonstrated outstanding professionalism and customer service, providing the foundation for mutual success.

America First Insurance is part of Liberty Mutual Agency Markets, a business unit of Liberty Mutual Group. Agency Markets consists of property and casualty, and specialty insurance carriers that distribute their products and services primarily through independent agents and brokers.

http://www.insurancejournal.com/news/southcentral/2006/04/04/67027.htm

May 1st, 2006 Dean & Draper Featured in Intown Magazine

noemail@deandraper.com — Thu, 14 Jun 2007 14:00:00 GMT

http://www.intownmag.com/archives/06-05-may-2006/thumbs.htm

June 1st, 2006 Dean Draper makes Insurance Journal Top 100 Highlights Nation's Largest Privately-Held Independent Agencies

noemail@deandraper.com — Thu, 14 Jun 2007 14:00:00 GMT

Insurance Journal released its third annual Top 100 Property Casualty Independent Agencies list late last month and one of the nation's largest networks of retail agencies came in as number one. Leading the pack of the nation's largest privately-held P/C agencies is the Hampton, N.H.-based Strategic Independent Agents Alliance with reported 2005 P/C premium volume of $4.1 billion. Founded in 1983, SIAA has over 1,900 independent agencies in its network and operates in 48 states. Coming in at number two on the IJ Top 100 list is Lockton Companies Inc. based in Kansas City, Mo. Founded in 1969, Lockton wrote $2.2 billion in 2005 P/C premium and $600 million in non-P/C premium last year. The firm currently employs more than 2,000 employees and represents more than 100 insurers. Alliant Resources Group Inc. in Newport Beach, Calif., took the number three spot with $1.1 billion in 2005 P/C premium and $634.9 million in non-P/C premium last year. Founded in 2000, Alliant has 785...

Locations

Thu, 24 Sep 2009 16:39:39 GMT

Houston 3131 West Alabama 4th Floor Houston, Texas 77098 Toll Free: 1.888.266.2680 Phone: 713.527.0444 W.E. Gibson 329 E. Washington Ave Navasota, TX 77868 Toll Free: (800)259-6665 Phone: (936)825-6565 Fax: (409)825-8135 College Station 3505 Longmire Suite E College Station, TX 77845 Phone: (979)694-1555 Fax: (979)485-8586 Alpha/Omega A Dean & Draper Insurance Co. 11330 West Rd Houston, TX 77065 Phone: (281)897-9393 Fax: (281)897-8484 Texas Choice Insurance Group, LP 15260 HWY 105, Suite 230A Montgomery, TX 77356 Phone: (936)447-2447 Fax: (936)588-1288

Personal Insurance

Wed, 23 Sep 2009 21:57:32 GMT

Dean & Draper offers a variety of personal insurance policies, ranging homeowners insurance to auto insurance. About 40 percent of Dean & Draper's business is made up of personal policies. Dean & Draper Insurance Agency is committed to providing you the best insurance coverage available, whether corporate or personal, at a reasonable cost. Challenge us. We're ready to prove to you that we are your complete, number one source in insurance excellence. Recent News!! Dean & Draper made the 2007 Insurance Journal's National Top 50 Insurance Agencies in Personal Lines....Read More Dean and Draper Insurance Agency Personal Lines include... ...

Our Agency with Video

Wed, 23 Sep 2009 21:55:54 GMT

Dean & Draper's team of experts has more than 500 years of combined insurance experience. Ranked one of the largest agencies in Texas, we are a full-service independent insurance agency offering commercial and personal insurance lines. Dean & Draper is involved with numerous affiliations including the Independent Insurance Agents of America, Texas Association of Insurance Agents, Houston Association of Insurance Agents, Insurance Agents Automation User Association and the Houston Association of Insurance Agents Charitable Foundation. Dean & Draper Insurance Agency is committed to providing you the best insurance coverage available, whether corporate or personal, at a reasonable cost. Challenge us. We're ready to prove to you that we are your complete, number one source in insurance excellence. Our History Management Mission/Vision Locations Disclaimer Dean & Draper...

Management

Wed, 23 Sep 2009 21:53:57 GMT

Bob Dean, President and CEO: Founded Dean & Draper Insurance Agency, LP in 1980. A University of Houston graduate, Bob gained experience from more than a decade as a loss control manager. To build the agency, Bob focused on acquisitions and marketing programs, and consistently bringing new insurance companies to Dean & Draper. Dedicated to excellence, he has grown Dean & Draper to one of largest independent insurance agencies in the country with more than $100 million in sales and over 75 agents and employees. With a strong commitment to the community and the industry, Bob has served on many boards. A member of C Club, Bob received the National Leadership Award from the National Republican Congressional Committee in 2002. Bob has received many industry awards including; Travelers Elite Agent 1998-2004, Travelers Producer Counsel 1998-2004, and Hartford Producer Counsel 1999-2004. Kyle Dean, MBA, CLCS, Vice President and Partner: Followed his father's foot...

Our Agency

Wed, 23 Sep 2009 21:49:51 GMT

Dean & Draper's team of experts has more than 500 years of combined insurance experience. Ranked one of the largest agencies in Texas, we are a full-service independent insurance agency offering commercial and personal insurance lines, as well as employee benefits. Dean & Draper is involved with numerous affiliations including the Independent Insurance Agents of America, Texas Association of Insurance Agents, Houston Association of Insurance Agents, Insurance Agents Automation User Association and the Houston Association of Insurance Agents Charitable Foundation. Dean & Draper Insurance Agency is committed to providing you the best insurance coverage available, whether corporate or personal, at a reasonable cost. Challenge us. We're ready to prove to you that we are your complete, number one source in insurance excellence. Our History Management Mission/Vision Locations Disclaimer ...

Claims - Non Standard/Surplus Ins. Carriers

Thu, 07 May 2009 21:15:39 GMT

Insurance Company Phone Number Fax Number Admiral Insurance 856-429-8600 856-429-8611 Allianz Underwriters Ins. Co. 800-211-6647 Arch Insurance Co. 800-817-3252 Burlington Insurance Co. 877-434-2667 336-586-2808 Catlin 480-775-6700 Century Surety 800-878-7389 ...

Fleet Trucking

Thu, 07 May 2009 21:11:00 GMT

Dean and Draper's Fleet Trucking Services work hand in hand with our clients to provide creative solutions to meet the specific needs of our diverse clientele. Our goal is simple, to provide a level of service that is not often delivered today. Effective communication, common sense and a strong knowledge base provides a degree of confidence that offers a peace of mind to you, our client. Dean and Draper represents the best markets in the industry. This provides us the opportunity to offer our clients multiple programs and the ability to place your business with dependable financially sound Insurance carriers that understand your business needs. We specialize in transportation insurance, and offer a broad line of services from the single Owner Operator to a large National Fleet. Dean and Draper's Fleet Trucking Services Mission: Committed to evaluating each individual risk and...

Our Partners

Thu, 07 May 2009 21:03:49 GMT

Key Companies We Represent Allied American First American International Group Chubb CNA Fidelity & Deposit Foremost Hartford Met Life Ohio Casualty Omaha Flood Republic Safeco SeaBright Texas Mutual Texas Windstorm Travelers United Fire Unitrin Utica Zenith Zurich Group Health Partners We Represent Aetna American Medical Security (AMS) Ameritas Blue Cross Blue Shield of Texas Cigna Fortis Great West Guardian Humana LifeRE MetLife Mutual of Omaha Pacificare Principal QCD of America Reliance Standard The Standard Unicare United Healthcare Unum

Home Page Panel 2

Thu, 07 May 2009 20:52:30 GMT

Recent News 2007 National Top 100 Insurance Agency 2007 Presidents Award for America First 2007 National Top 50 Insurance Agency in Personal Lines Stay up to date on the weather Dean & Draper named Best Practices Agency GET A QUOTE Dean & Draper represents over 200 insurance carriers that gives our clients a choice to protect family, property, and business. Commercial :: Auto...

Buy / Sell Funding

Thu, 07 May 2009 19:38:44 GMT

A Buy/Sell Agreement is a contract between two parties that defines how a business owner will sell his or her interest in the business. The agreement also defines how that interest will be purchased and by whom. To be effective, a buy/sell agreement must assure that the funds are available to make the prescribed purchase at exactly the time it is needed.

Dean & Draper can assist you in selecting the right funding form based on your personal needs, the needs of your business and a complex array of legal and tax issues that will be specific to your situation.

For more information please call 1.888.266.0444 or 713.527.0444 or send your inquiry to info@deandraper.com.

Lorem ipsum survey

noemail@deandraper.com — Fri, 11 May 2007 15:39:27 GMT

Objectives:

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Release Date: 11-May-07 10:39 AM
Expiration Date: 11-Aug-07 10:39 AM

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2007-05-11T15:39:27Z

Instructor: Instructor

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