<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	xmlns:georss="http://www.georss.org/georss" xmlns:geo="http://www.w3.org/2003/01/geo/wgs84_pos#" xmlns:media="http://search.yahoo.com/mrss/"
	>

<channel>
	<title>Al&#039;s Wise Words</title>
	<atom:link href="http://albourdeau.wordpress.com/feed/" rel="self" type="application/rss+xml" />
	<link>http://albourdeau.wordpress.com</link>
	<description>Insurance Tips and Tidbits from Al Bourdeau Insurance Agency</description>
	<lastBuildDate>Thu, 05 Jan 2012 07:56:43 +0000</lastBuildDate>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.com/</generator>
<cloud domain='albourdeau.wordpress.com' port='80' path='/?rsscloud=notify' registerProcedure='' protocol='http-post' />
<image>
		<url>http://s2.wp.com/i/buttonw-com.png</url>
		<title>Al&#039;s Wise Words</title>
		<link>http://albourdeau.wordpress.com</link>
	</image>
	<atom:link rel="search" type="application/opensearchdescription+xml" href="http://albourdeau.wordpress.com/osd.xml" title="Al&#039;s Wise Words" />
	<atom:link rel='hub' href='http://albourdeau.wordpress.com/?pushpress=hub'/>
		<item>
		<title>Bizarre- Allstate &#8220;study&#8221; suggests that zodiac signs show differences in accident rates. From an article in Insurance Networking News, individuals born under the sign of Virgo are 700% more likely to have an accident than those born under the sign of Scorpio. WHAT???</title>
		<link>http://albourdeau.wordpress.com/2011/01/31/bizarre-allstate-study-suggests-that-zodiac-signs-show-differences-in-accident-rates-from-an-article-in-insurance-networking-news-individuals-born-under-the-sign-of-virgo-are-700-more-likely-to/</link>
		<comments>http://albourdeau.wordpress.com/2011/01/31/bizarre-allstate-study-suggests-that-zodiac-signs-show-differences-in-accident-rates-from-an-article-in-insurance-networking-news-individuals-born-under-the-sign-of-virgo-are-700-more-likely-to/#comments</comments>
		<pubDate>Mon, 31 Jan 2011 18:13:08 +0000</pubDate>
		<dc:creator>albourdeau</dc:creator>
				<category><![CDATA[Bizarre]]></category>
		<category><![CDATA[WOW!]]></category>

		<guid isPermaLink="false">http://albourdeau.wordpress.com/?p=270</guid>
		<description><![CDATA[I can&#8217;t help but be appalled by this announcement from Allstate. I hope that the article from Insurance Networking News is just wrong. http://www.insurancenetworking.com/news/claims_zodiac_auto_insurance_underwriting_Ophiuchus_Allstate-27005-1.html As an example, of what is being alleged: &#8220;&#8230;Allstate decided to compare its claims data against the revised zodiac calendar, and came to a few conclusions.  Virgos, known to be critical, meticulous [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=albourdeau.wordpress.com&amp;blog=13796858&amp;post=270&amp;subd=albourdeau&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://albourdeau.wordpress.com/2011/01/31/bizarre-allstate-study-suggests-that-zodiac-signs-show-differences-in-accident-rates-from-an-article-in-insurance-networking-news-individuals-born-under-the-sign-of-virgo-are-700-more-likely-to/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://1.gravatar.com/avatar/5d1b5bd64d1837cb2c2e2006cff4e065?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">albourdeau</media:title>
		</media:content>
	</item>
		<item>
		<title>Being a &#8220;member&#8221; can have a major downside. If you are a member of a homeowner association or a condominium association, you could find yourself on the hook for expenses for which you were totally unprepared. I&#8217;m talking about Loss Assessment. Your home/condo association might own and maintain shared spaces used by all members: a pool, a lake, a road, a recreation center. Losses connected with these shared spaces might be charged back to you. Make sure that your PERSONAL insurance policy is designed to protect you from such losses.</title>
		<link>http://albourdeau.wordpress.com/2011/01/12/being-a-member-can-have-a-major-downside-if-you-are-a-member-of-a-homeowner-association-or-a-condominium-association-you-could-find-yourself-on-the-hook-for-expenses-for-which-you-were-totally-u/</link>
		<comments>http://albourdeau.wordpress.com/2011/01/12/being-a-member-can-have-a-major-downside-if-you-are-a-member-of-a-homeowner-association-or-a-condominium-association-you-could-find-yourself-on-the-hook-for-expenses-for-which-you-were-totally-u/#comments</comments>
		<pubDate>Wed, 12 Jan 2011 19:54:58 +0000</pubDate>
		<dc:creator>albourdeau</dc:creator>
				<category><![CDATA[Know Your Policy]]></category>

		<guid isPermaLink="false">http://albourdeau.wordpress.com/?p=256</guid>
		<description><![CDATA[Loss Assessment refers to the situation where a home or condo owner is billed for certain unexpected expenses incurred by their association. All condo owners are members of their condo association. Home owners are often members of a Home Owners Association. These associations are typically the entities that own and maintain shared spaces that are [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=albourdeau.wordpress.com&amp;blog=13796858&amp;post=256&amp;subd=albourdeau&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://albourdeau.wordpress.com/2011/01/12/being-a-member-can-have-a-major-downside-if-you-are-a-member-of-a-homeowner-association-or-a-condominium-association-you-could-find-yourself-on-the-hook-for-expenses-for-which-you-were-totally-u/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://1.gravatar.com/avatar/5d1b5bd64d1837cb2c2e2006cff4e065?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">albourdeau</media:title>
		</media:content>
	</item>
		<item>
		<title>It appears that on 12/16/2010 a new law went into effect that allows for you to take a driver improvement class to have a moving violation kept off your driving record! It doesn&#8217;t look like you can erase old tickets, but a new (minor) violation might be fixable. Read more on the blog for some of the details from the new law and a link so you can read it yourself!</title>
		<link>http://albourdeau.wordpress.com/2011/01/04/it-appears-that-on-12162010-a-new-law-went-into-effect-that-allows-for-you-to-take-a-driver-improvement-class-to-have-a-moving-violation-kept-off-your-driving-record-it-doesnt-look-like-you-can-e/</link>
		<comments>http://albourdeau.wordpress.com/2011/01/04/it-appears-that-on-12162010-a-new-law-went-into-effect-that-allows-for-you-to-take-a-driver-improvement-class-to-have-a-moving-violation-kept-off-your-driving-record-it-doesnt-look-like-you-can-e/#comments</comments>
		<pubDate>Tue, 04 Jan 2011 20:18:34 +0000</pubDate>
		<dc:creator>albourdeau</dc:creator>
				<category><![CDATA[Money Saving Tips]]></category>

		<guid isPermaLink="false">http://albourdeau.wordpress.com/?p=250</guid>
		<description><![CDATA[Here&#8217;s what appears to be the crux of the law: Sec. 320d.    &#8230;.    the secretary of state shall not enter the points corresponding to a moving violation committed by an individual &#8230;  on the individual’s driving record or make information concerning that violation available to any insurance company if the individual attends and successfully completes a [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=albourdeau.wordpress.com&amp;blog=13796858&amp;post=250&amp;subd=albourdeau&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://albourdeau.wordpress.com/2011/01/04/it-appears-that-on-12162010-a-new-law-went-into-effect-that-allows-for-you-to-take-a-driver-improvement-class-to-have-a-moving-violation-kept-off-your-driving-record-it-doesnt-look-like-you-can-e/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
	
		<media:content url="http://1.gravatar.com/avatar/5d1b5bd64d1837cb2c2e2006cff4e065?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">albourdeau</media:title>
		</media:content>
	</item>
		<item>
		<title>Some helpful tips to protect against identity theft</title>
		<link>http://albourdeau.wordpress.com/2010/12/20/some-helpful-tips-to-protect-against-identity-theft/</link>
		<comments>http://albourdeau.wordpress.com/2010/12/20/some-helpful-tips-to-protect-against-identity-theft/#comments</comments>
		<pubDate>Mon, 20 Dec 2010 17:57:02 +0000</pubDate>
		<dc:creator>albourdeau</dc:creator>
				<category><![CDATA[Fraud]]></category>
		<category><![CDATA[Preventing a Loss]]></category>

		<guid isPermaLink="false">http://albourdeau.wordpress.com/?p=246</guid>
		<description><![CDATA[During the holidays, it is easy to drop your guard and find yourself a victim of the ever increasing risk of Identify Fraud. Don&#8217;t wait to become a victim. There are actions you can take that can lessen the risk of being defrauded. You can further protect yourself by purchasing Identify Fraud Insurance, a type of [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=albourdeau.wordpress.com&amp;blog=13796858&amp;post=246&amp;subd=albourdeau&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://albourdeau.wordpress.com/2010/12/20/some-helpful-tips-to-protect-against-identity-theft/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://1.gravatar.com/avatar/5d1b5bd64d1837cb2c2e2006cff4e065?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">albourdeau</media:title>
		</media:content>
	</item>
		<item>
		<title>Review your Health Insurance &#8216;Explanation of Benefits&#8217;</title>
		<link>http://albourdeau.wordpress.com/2010/12/01/review-your-health-insurance-explanation-of-benefits/</link>
		<comments>http://albourdeau.wordpress.com/2010/12/01/review-your-health-insurance-explanation-of-benefits/#comments</comments>
		<pubDate>Wed, 01 Dec 2010 17:19:41 +0000</pubDate>
		<dc:creator>albourdeau</dc:creator>
				<category><![CDATA[Fraud]]></category>

		<guid isPermaLink="false">http://albourdeau.wordpress.com/?p=243</guid>
		<description><![CDATA[A couple stole the identities of 128 patients and the tax ids from a handful of doctors, then proceeded to file false claims. A simple review of your Explanation of Benefits could prevent you from being a victim.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=albourdeau.wordpress.com&amp;blog=13796858&amp;post=243&amp;subd=albourdeau&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://albourdeau.wordpress.com/2010/12/01/review-your-health-insurance-explanation-of-benefits/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://1.gravatar.com/avatar/5d1b5bd64d1837cb2c2e2006cff4e065?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">albourdeau</media:title>
		</media:content>
	</item>
		<item>
		<title>Don&#8217;t Miss Out on the Halloween Treats!</title>
		<link>http://albourdeau.wordpress.com/2010/10/19/dont-miss-out-on-the-halloween-treats/</link>
		<comments>http://albourdeau.wordpress.com/2010/10/19/dont-miss-out-on-the-halloween-treats/#comments</comments>
		<pubDate>Tue, 19 Oct 2010 17:30:56 +0000</pubDate>
		<dc:creator>albourdeau</dc:creator>
				<category><![CDATA[Events]]></category>

		<guid isPermaLink="false">http://albourdeau.wordpress.com/?p=232</guid>
		<description><![CDATA[Don&#8217;t forget to follow Al Bourdeau Insurance Agency&#8217;s Facebook Page! Delicious, fun, and sometimes spooky recipes are being uploaded constantly through the month of October! Impress your friends with one of our Halloween Treats! Al Bourdeau Insurance Agency Facebook Page: http://www.facebook.com/pages/Al-Bourdeau-Insurance-Agency/133318536683483?ref=ts Here&#8217;s one of our Halloween Recipes! Filed under: Events<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=albourdeau.wordpress.com&amp;blog=13796858&amp;post=232&amp;subd=albourdeau&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://albourdeau.wordpress.com/2010/10/19/dont-miss-out-on-the-halloween-treats/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://1.gravatar.com/avatar/5d1b5bd64d1837cb2c2e2006cff4e065?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">albourdeau</media:title>
		</media:content>

		<media:content url="http://albourdeau.files.wordpress.com/2010/10/monster-eyes-recipe.jpg?w=300" medium="image">
			<media:title type="html">Monster Eyes</media:title>
		</media:content>
	</item>
		<item>
		<title>Insurance fraud costs all of us</title>
		<link>http://albourdeau.wordpress.com/2010/10/12/insurance-fraud-costs-all-of-us/</link>
		<comments>http://albourdeau.wordpress.com/2010/10/12/insurance-fraud-costs-all-of-us/#comments</comments>
		<pubDate>Tue, 12 Oct 2010 20:00:13 +0000</pubDate>
		<dc:creator>albourdeau</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://albourdeau.wordpress.com/?p=229</guid>
		<description><![CDATA[Questionable insurance claims rose over 52 percent in the first half of 2010, according to a group dedicated to raising awareness about the cost of insurance fraud. To increase awareness about this crime, Gov. Jennifer Granholm has declared this week, Oct. 10-16, as Insurance Fraud Awareness Week in Michigan. &#8220;Many people wrongly believe that insurance [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=albourdeau.wordpress.com&amp;blog=13796858&amp;post=229&amp;subd=albourdeau&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://albourdeau.wordpress.com/2010/10/12/insurance-fraud-costs-all-of-us/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
	
		<media:content url="http://1.gravatar.com/avatar/5d1b5bd64d1837cb2c2e2006cff4e065?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">albourdeau</media:title>
		</media:content>
	</item>
		<item>
		<title>Refrigerator hoses are common cause of serious water damage</title>
		<link>http://albourdeau.wordpress.com/2010/09/28/refrigerator-hoses-are-common-cause-of-serious-water-damage/</link>
		<comments>http://albourdeau.wordpress.com/2010/09/28/refrigerator-hoses-are-common-cause-of-serious-water-damage/#comments</comments>
		<pubDate>Tue, 28 Sep 2010 18:06:23 +0000</pubDate>
		<dc:creator>albourdeau</dc:creator>
				<category><![CDATA[Preventing a Loss]]></category>
		<category><![CDATA[Claims]]></category>
		<category><![CDATA[Home Insurance]]></category>

		<guid isPermaLink="false">http://albourdeau.wordpress.com/?p=223</guid>
		<description><![CDATA[A simple check-up for your refrigerator water line might be a good idea. Read about the disastrous water damage resulting from a leaking water line, and some simple tips to avoid it.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=albourdeau.wordpress.com&amp;blog=13796858&amp;post=223&amp;subd=albourdeau&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://albourdeau.wordpress.com/2010/09/28/refrigerator-hoses-are-common-cause-of-serious-water-damage/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://1.gravatar.com/avatar/5d1b5bd64d1837cb2c2e2006cff4e065?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">albourdeau</media:title>
		</media:content>
	</item>
		<item>
		<title>Warren is glad he&#8217;s back. REALLY glad he&#8217;s back.</title>
		<link>http://albourdeau.wordpress.com/2010/08/18/warren-is-glad-hes-back-really-glad-hes-back/</link>
		<comments>http://albourdeau.wordpress.com/2010/08/18/warren-is-glad-hes-back-really-glad-hes-back/#comments</comments>
		<pubDate>Wed, 18 Aug 2010 17:54:23 +0000</pubDate>
		<dc:creator>albourdeau</dc:creator>
				<category><![CDATA[WOW!]]></category>

		<guid isPermaLink="false">http://albourdeau.wordpress.com/?p=219</guid>
		<description><![CDATA[Sometimes the savings alone are enough. We found Warren the same coverage for $1000 less than he was paying with one of those well known national companies. <img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=albourdeau.wordpress.com&amp;blog=13796858&amp;post=219&amp;subd=albourdeau&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://albourdeau.wordpress.com/2010/08/18/warren-is-glad-hes-back-really-glad-hes-back/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://1.gravatar.com/avatar/5d1b5bd64d1837cb2c2e2006cff4e065?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">albourdeau</media:title>
		</media:content>
	</item>
		<item>
		<title>iPhone plunges to death from hot air balloon</title>
		<link>http://albourdeau.wordpress.com/2010/08/17/iphone-plunges-to-death-from-hot-air-balloon/</link>
		<comments>http://albourdeau.wordpress.com/2010/08/17/iphone-plunges-to-death-from-hot-air-balloon/#comments</comments>
		<pubDate>Tue, 17 Aug 2010 15:22:37 +0000</pubDate>
		<dc:creator>albourdeau</dc:creator>
				<category><![CDATA[Entertaining Claims]]></category>

		<guid isPermaLink="false">http://albourdeau.wordpress.com/?p=215</guid>
		<description><![CDATA[Mobile devices such as the popular iPhone are expensive and easily lost of damaged. A gadget insurer offers examples of its most unusual insurance claims for these devices. We offer another way to cover the cost of these devices!<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=albourdeau.wordpress.com&amp;blog=13796858&amp;post=215&amp;subd=albourdeau&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://albourdeau.wordpress.com/2010/08/17/iphone-plunges-to-death-from-hot-air-balloon/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://1.gravatar.com/avatar/5d1b5bd64d1837cb2c2e2006cff4e065?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">albourdeau</media:title>
		</media:content>
	</item>
	</channel>
</rss>
