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	<title>Keystone Insurance Services, Inc. Blog</title>
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	<description>Always Choose the Best</description>
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		<title>Keystone Insurance Services, Inc. Blog</title>
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		<title>Losing Credit for Time Served</title>
		<link>http://mykeystoneins.wordpress.com/2012/02/23/losing-credit-for-time-served/</link>
		<comments>http://mykeystoneins.wordpress.com/2012/02/23/losing-credit-for-time-served/#comments</comments>
		<pubDate>Thu, 23 Feb 2012 19:21:04 +0000</pubDate>
		<dc:creator>Keystone Insurance Services, Inc.</dc:creator>
				<category><![CDATA[Individual Life & Health]]></category>
		<category><![CDATA[continuous coverage]]></category>
		<category><![CDATA[creditable coverage]]></category>
		<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[health insurance agent]]></category>
		<category><![CDATA[texas health insurance]]></category>
		<category><![CDATA[texas independent agent]]></category>

		<guid isPermaLink="false">http://mykeystoneins.wordpress.com/?p=546</guid>
		<description><![CDATA[My parents taught me a lot of wonderful things. Things like the importance of being kind, respectful, and hard-working. I&#8217;m very thankful for those lessons. But, I&#8217;m also thankful they took the time to educate me about the importance of practical things, like how to balance my checkbook and to never let my health insurance [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mykeystoneins.wordpress.com&#038;blog=18175052&#038;post=546&#038;subd=mykeystoneins&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<title>It is the Month of the Heart ~ What&#8217;s the State of Yours?</title>
		<link>http://mykeystoneins.wordpress.com/2012/02/21/it-is-the-month-of-the-heart-whats-the-state-of-yours/</link>
		<comments>http://mykeystoneins.wordpress.com/2012/02/21/it-is-the-month-of-the-heart-whats-the-state-of-yours/#comments</comments>
		<pubDate>Tue, 21 Feb 2012 20:25:20 +0000</pubDate>
		<dc:creator>Keystone Insurance Services, Inc.</dc:creator>
				<category><![CDATA[Good for You]]></category>
		<category><![CDATA[american heart month]]></category>
		<category><![CDATA[diet and exercise]]></category>
		<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[healthy heart]]></category>
		<category><![CDATA[heart health]]></category>
		<category><![CDATA[Texas Insurance Agent]]></category>

		<guid isPermaLink="false">http://mykeystoneins.wordpress.com/?p=533</guid>
		<description><![CDATA[February is American Heart Month. Did you know that heart disease is the leading cause of death for BOTH men and women? An estimated 630,000 people in the US will die from heart disease and its associated complications in this year alone. You may think you&#8217;re safe because you are young. But, heart disease is [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mykeystoneins.wordpress.com&#038;blog=18175052&#038;post=533&#038;subd=mykeystoneins&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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			<media:title type="html">Heart</media:title>
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		<item>
		<title>Properly Cover Your HO/Condo Association Loss Exposures</title>
		<link>http://mykeystoneins.wordpress.com/2012/02/16/properly-cover-your-hocondo-association-loss-exposures/</link>
		<comments>http://mykeystoneins.wordpress.com/2012/02/16/properly-cover-your-hocondo-association-loss-exposures/#comments</comments>
		<pubDate>Thu, 16 Feb 2012 22:28:50 +0000</pubDate>
		<dc:creator>Keystone Insurance Services, Inc.</dc:creator>
				<category><![CDATA[Personal (Home & Auto)]]></category>
		<category><![CDATA[Austin Homeowners Insurance]]></category>
		<category><![CDATA[Condo Association Liability]]></category>
		<category><![CDATA[Condo Insurance]]></category>
		<category><![CDATA[HO Insurance]]></category>
		<category><![CDATA[Homeowners Liability]]></category>
		<category><![CDATA[Personal Liability]]></category>

		<guid isPermaLink="false">http://mykeystoneins.wordpress.com/?p=511</guid>
		<description><![CDATA[Many people are active in their condominium or home owners&#8217; association, serving as directors, officers, and editors of association newsletters. If you are an active member of your association, consider the following risk management tips and recommendations. Verify that the association has directors and officers (D&#38;O) coverage in force with reasonably high limits. If the [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mykeystoneins.wordpress.com&#038;blog=18175052&#038;post=511&#038;subd=mykeystoneins&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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			<media:title type="html">Saving Money</media:title>
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	</item>
		<item>
		<title>IRS Releases New Notice on W-2 Reporting Requirements</title>
		<link>http://mykeystoneins.wordpress.com/2012/02/07/irs-releases-new-notice-on-w-2-reporting-requirements/</link>
		<comments>http://mykeystoneins.wordpress.com/2012/02/07/irs-releases-new-notice-on-w-2-reporting-requirements/#comments</comments>
		<pubDate>Tue, 07 Feb 2012 17:18:49 +0000</pubDate>
		<dc:creator>Keystone Insurance Services, Inc.</dc:creator>
				<category><![CDATA[Group Life & Health]]></category>
		<category><![CDATA[Group Health Benefits]]></category>
		<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Health Reform]]></category>
		<category><![CDATA[Human Resources]]></category>
		<category><![CDATA[Large Employers]]></category>
		<category><![CDATA[w-2 Reporting]]></category>

		<guid isPermaLink="false">http://mykeystoneins.wordpress.com/?p=494</guid>
		<description><![CDATA[Employers that filed 250 or more W-2 forms in 2011 will be responsible for reporting to employees the total cost of their group health benefit plan coverage on their 2012 W-2 forms issued in January 2013. This reporting requirement is informational only and does not mean that coverage will be subject to income tax. On [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mykeystoneins.wordpress.com&#038;blog=18175052&#038;post=494&#038;subd=mykeystoneins&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">W-2 Reporting</media:title>
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		<item>
		<title>Space Heater Safety (Part 2)</title>
		<link>http://mykeystoneins.wordpress.com/2012/02/02/space-heater-safety-part-2/</link>
		<comments>http://mykeystoneins.wordpress.com/2012/02/02/space-heater-safety-part-2/#comments</comments>
		<pubDate>Thu, 02 Feb 2012 16:03:33 +0000</pubDate>
		<dc:creator>Keystone Insurance Services, Inc.</dc:creator>
				<category><![CDATA[Personal (Home & Auto)]]></category>
		<category><![CDATA[Alternative Heating]]></category>
		<category><![CDATA[Cold Weather Safety]]></category>
		<category><![CDATA[Gas Heater Safety]]></category>
		<category><![CDATA[Home and Auto Insurance]]></category>
		<category><![CDATA[Space Heater Safety]]></category>
		<category><![CDATA[Texas Independent Insurance Agent]]></category>

		<guid isPermaLink="false">http://mykeystoneins.wordpress.com/?p=456</guid>
		<description><![CDATA[In Part 1, we discussed how to remain safe when using electric space heaters. In Part 2 of this series, we will look at gas-fired and kerosene heaters. The same safety rules apply to all space heaters but, when using a gas or kerosene heater in your home or office, you also need to pay [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mykeystoneins.wordpress.com&#038;blog=18175052&#038;post=456&#038;subd=mykeystoneins&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Fire</media:title>
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		<item>
		<title>Space Heater Safety (Part 1)</title>
		<link>http://mykeystoneins.wordpress.com/2012/01/26/space-heater-safety-part-1/</link>
		<comments>http://mykeystoneins.wordpress.com/2012/01/26/space-heater-safety-part-1/#comments</comments>
		<pubDate>Thu, 26 Jan 2012 19:05:21 +0000</pubDate>
		<dc:creator>Keystone Insurance Services, Inc.</dc:creator>
				<category><![CDATA[Personal (Home & Auto)]]></category>
		<category><![CDATA[Austin Insurance Agent]]></category>
		<category><![CDATA[Cold Weather]]></category>
		<category><![CDATA[Home and Auto Insurance]]></category>
		<category><![CDATA[Home and Office Safety]]></category>
		<category><![CDATA[Homeowner's Insurance]]></category>
		<category><![CDATA[Personal Safety]]></category>
		<category><![CDATA[Reduce Heating Cost]]></category>
		<category><![CDATA[Space Heater Safety]]></category>

		<guid isPermaLink="false">http://mykeystoneins.wordpress.com/?p=375</guid>
		<description><![CDATA[Electric space heaters are an inexpensive way to save on your heating bills during the cold, winter months. But, if not used correctly AND kept away from flammable objects, they have the potential to cause a fire and cause significant damage to your home or business. Image: PANPOTE / FreeDigitalPhotos.net Some tips for staying safe: [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mykeystoneins.wordpress.com&#038;blog=18175052&#038;post=375&#038;subd=mykeystoneins&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Thermostat</media:title>
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		<item>
		<title>Claims-Made Insurance Policies</title>
		<link>http://mykeystoneins.wordpress.com/2012/01/05/client-communications-claims-made-insurance-policies/</link>
		<comments>http://mykeystoneins.wordpress.com/2012/01/05/client-communications-claims-made-insurance-policies/#comments</comments>
		<pubDate>Thu, 05 Jan 2012 19:09:00 +0000</pubDate>
		<dc:creator>Keystone Insurance Services, Inc.</dc:creator>
				<category><![CDATA[Commercial]]></category>
		<category><![CDATA[Claims Made Policy]]></category>
		<category><![CDATA[General Liability]]></category>
		<category><![CDATA[General Liability Insurance]]></category>
		<category><![CDATA[Occurence Form]]></category>
		<category><![CDATA[texas independent agent]]></category>

		<guid isPermaLink="false">http://mykeystoneins.wordpress.com/?p=444</guid>
		<description><![CDATA[What is a claims-made insurance policy? This is a great question, and one that our customers ask from time to time. A claims-made insurance policy is most often used to provide professional liability coverage, such as the coverage needed by lawyers and doctors to protect them from malpractice claims. But it is also used frequently [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mykeystoneins.wordpress.com&#038;blog=18175052&#038;post=444&#038;subd=mykeystoneins&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>National Survey for Trusted Choice® Shows Many Unprepared to Deal with Holiday Theft</title>
		<link>http://mykeystoneins.wordpress.com/2011/12/22/national-survey-for-trusted-choice-shows-many-unprepared-to-deal-with-holiday-theft/</link>
		<comments>http://mykeystoneins.wordpress.com/2011/12/22/national-survey-for-trusted-choice-shows-many-unprepared-to-deal-with-holiday-theft/#comments</comments>
		<pubDate>Thu, 22 Dec 2011 18:25:05 +0000</pubDate>
		<dc:creator>Keystone Insurance Services, Inc.</dc:creator>
				<category><![CDATA[Personal (Home & Auto)]]></category>
		<category><![CDATA[Avoiding Theft]]></category>
		<category><![CDATA[Holiday Safety]]></category>
		<category><![CDATA[Holiday Travel]]></category>
		<category><![CDATA[Home and Auto Insurance]]></category>
		<category><![CDATA[Homeowner's Insurance]]></category>
		<category><![CDATA[Insurance Theft Claims]]></category>
		<category><![CDATA[Protecting Your Home]]></category>

		<guid isPermaLink="false">http://mykeystoneins.wordpress.com/?p=356</guid>
		<description><![CDATA[Trusted Choice® urges families to take steps to protect their gifts, offers safety tips. Turn the news on during the holiday season and unfortunately and inevitably, there are stories of how a “Grinch” stole someone’s gifts from a car or from under a Christmas tree. Trusted Choice® independent insurance agents and brokers recommend consumers have [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mykeystoneins.wordpress.com&#038;blog=18175052&#038;post=356&#038;subd=mykeystoneins&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<title>Make Sure Your Holiday Decorations are Safe to Use</title>
		<link>http://mykeystoneins.wordpress.com/2011/12/20/make-sure-your-holiday-decorations-are-safe-to-use/</link>
		<comments>http://mykeystoneins.wordpress.com/2011/12/20/make-sure-your-holiday-decorations-are-safe-to-use/#comments</comments>
		<pubDate>Tue, 20 Dec 2011 20:06:06 +0000</pubDate>
		<dc:creator>Keystone Insurance Services, Inc.</dc:creator>
				<category><![CDATA[Personal (Home & Auto)]]></category>
		<category><![CDATA[Austin Independent Agent]]></category>
		<category><![CDATA[christmas decorations]]></category>
		<category><![CDATA[christmas tree safety]]></category>
		<category><![CDATA[holiday decorations]]></category>
		<category><![CDATA[Holiday Safety]]></category>
		<category><![CDATA[Homeowner's Insurance]]></category>

		<guid isPermaLink="false">http://mykeystoneins.wordpress.com/?p=405</guid>
		<description><![CDATA[Each year, holiday season fires in the United States claim the lives of more than 400 people, injure 2,600 more, and cause more than $990 million in damage. According to the United States Fire Administration, there are simple lifesaving steps you can take to ensure a safe and happy holiday. By following some of these [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mykeystoneins.wordpress.com&#038;blog=18175052&#038;post=405&#038;subd=mykeystoneins&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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			<media:title type="html">Christmas Tree</media:title>
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		<title>Insuring Childcare Centers . . . It Only Takes One</title>
		<link>http://mykeystoneins.wordpress.com/2011/12/15/insuring-childcare-centers-it-only-takes-one/</link>
		<comments>http://mykeystoneins.wordpress.com/2011/12/15/insuring-childcare-centers-it-only-takes-one/#comments</comments>
		<pubDate>Thu, 15 Dec 2011 22:04:01 +0000</pubDate>
		<dc:creator>Keystone Insurance Services, Inc.</dc:creator>
				<category><![CDATA[Commercial]]></category>
		<category><![CDATA[Personal (Home & Auto)]]></category>
		<category><![CDATA[daycare insurance]]></category>
		<category><![CDATA[daycare liability]]></category>
		<category><![CDATA[errors and omissions]]></category>
		<category><![CDATA[Homeowner's Insurance]]></category>
		<category><![CDATA[insuring daycare centers]]></category>
		<category><![CDATA[Professional Liability]]></category>

		<guid isPermaLink="false">http://mykeystoneins.wordpress.com/?p=243</guid>
		<description><![CDATA[That&#8217;s it. Just one. Just a single accident or negligent act can wipe out a small business in a heartbeat. If you are a small business owner, especially in a specialized industy such as childcare, it is critical for you to understand the risks and how to protect yourself. For example&#8217;s sake, let&#8217;s stick with childcare. If [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mykeystoneins.wordpress.com&#038;blog=18175052&#038;post=243&#038;subd=mykeystoneins&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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