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As the water began to drain from New Orleans in 2005, we learned that most of the homeowners in New Orleans did not have flood insurance, since they were supposedly in “low risk” areas. The over 60% of homeowners will need to depend upon their own savings, and limited federal assistance, to rebuild New Orleans – at an uncalculated cost for homeowners and taxpayers. Could that level of disaster, especially that level of uninsured disaster, happen in California? Less than 15% of California homeowners currently carry earthquake insurance, due to its high cost, the “can’t happen to me or my house” factor, and mortgage providers not requiring coverage. The next big quake will result in billions of uninsured damage – but is earthquake insurance really worth the high cost? How Did We Get Here? The state of California requires that all homeowner’s insurance providers to at least offer earthquake insurance (albeit, at a high cost). Until 1994, ...

The first thing you want to do is go to the California DMV website, dmv.ca.gov I will add links for you so you can find the information easily as the DMV website can be a little difficult to navigate through. (AB2499 is New CA legislation for traffic schools that was put in place 9.1.2012) It covers all the rules and regulations as well as the qualifications needed for the owner operator and instructor. After you go through the information you will want to print out the traffic school owner checklist, it will prove to be very helpful in checking off each thing you need to complete. Opening up a Traffic violator school can be a long and tedious endeavor; there are many requirements that need to be in place before the DMV approves you. I will list a few of the steps involved in opening up your school: 1) The first thing the DMV requires is to submit a traffic school lesson plan along with an $800.00 fee for your original review of an online course, $800.00 for a home study course review ...