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Cadence Insurance

Cadence Insurance is a full service insurance agency founded in 1966. We stand ready to assist you wherever you are located in the Houston, Galveston, League City and Fort Worth Metropolitan areas. Our offices are conveniently located and our staff is experienced in all types of insurance, including auto, home, business, and life and health. Contact us for all your personal and business insurance needs.

Human Activity Muddies Causes of Texas Floods

Author ReedMoraw , 9/4/2013
Cadence Insurance Agency Periodic flooding in Texas — one the most flood-prone states in the nation — cannot be firmly linked to climate change due to numerous dams and other man-made structures introduced over the years, according to a University of Iowa study. The researchers also found that tropical cyclones are less responsible for major floods in the region than in the eastern United States. The study, which looked at 70 years of records, appears in the August 2013 issue of the Journal of the American Water Resources Association. Lead author Gabriele Villarini, assistant professor in the Department of Civil and Environmental Engineering and assistant research engineer at IIHR-Hydroscience & Engineering, indicates that although the problem is severe, the causes of Texas flooding are less clear. “In this study, we examined the time series of the largest flood peaks every year from 62 stations in Texas with a record of at least 70 years,” he says. “We were interested in examining whether flood magnitudes changed during the study period and, if so, what was the cause of these changes. “We found that most of the changes we detected were related to human modification of the catchments and more specifically to river regulation.” He points out that there are more than 7,100 permitted dams in Texas, with some 2,000 of them designed for flood control. “We also examined the link between flooding and tropical cyclones. Tropical cyclones are an important flood agent with regionally varying effects. However, they are not associated with the largest flood events to the same degree we found for the eastern United States,” he says. Historically, Texas experiences frequent flooding, resulting in numerous fatalities and extensive property damage. In fact, Villarini says, studies show that Texas led the nation in flood-related injuries and fatalities during the period from 1959 through 2005 and that Texas is the only state with fatalities occurring every year from 1960 through 2002. But surprisingly, there are relatively few studies of Texas flooding focused on the long-term changes in hazardous flooding. “Despite the large economic and societal impacts of flooding, there are few studies focusing on changes in annual maximum flood peak distribution in Texas. This is particularly important because of the possible acceleration of the hydrological cycle associated with human-induced climate change, which could potentially result in an increase of floods,” he says. Villarini says that two of his future studies will also focus on flooding and tropical cyclones and their economic impact on the continental United States. His colleague in the study, James A. Smith, is a professor in the Department of Civil and Environmental Engineering at Princeton University. The paper is formally titled “Flooding in Texas: Examination of Temporal Changes and Impacts of Tropical Cyclones.”

Cadence Insurance Agency

Cadence Insurance is a full service insurance agency founded in 1966. We stand ready to assist you wherever you are located.  Do you need car insurance in Houston, do you own a home in Galveston, a business in League City or health insurance in Fort Worth?  We can help.  Our offices are conveniently located and our staff is experienced in all types of insurance, including auto, home, business, and life and health. Contact us for all your personal and business insurance needs. Call us toll free at 1-800-375-4679 10575 Katy Fwy., Ste. 150 Houston, Tx. 77024 Information provided by:  http://www.insurancejournal.com/news/southcentral/2013/08/14/301717.htm

The History of Labor Day

Author ReedMoraw , 9/2/2013
Labor Day: How it Came About; What it MeansHappy Labor Day Labor Day, the first Monday in September, is a creation of the labor movement and is dedicated to the social and economic achievements of American workers. It constitutes a yearly national tribute to the contributions workers have made to the strength, prosperity, and well-being of our country. Labor Day Legislation Through the years the nation gave increasing emphasis to Labor Day. The first governmental recognition came through municipal ordinances passed during 1885 and 1886. From these, a movement developed the movement to secure state legislation. The first state bill was introduced into the New York legislature, but the first to become law was passed by Oregon on February 21, 1887. During the year four more states — Colorado, Massachusetts, New Jersey, and New York — created the Labor Day holiday by legislative enactment. By the end of the decade Connecticut, Nebraska, and Pennsylvania had followed suit. By 1894, 23 other states had adopted the holiday in honor of workers, and on June 28 of that year, Congress passed an act making the first Monday in September of each year a legal holiday in the District of Columbia and the territories. Founder of Labor Day More than 100 years after the first Labor Day observance, there is still some doubt as to who first proposed the holiday for workers. Some records show that Peter J. McGuire, general secretary of the Brotherhood of Carpenters and Joiners and a cofounder of the American Federation of Labor, was first in suggesting a day to honor those "who from rude nature have delved and carved all the grandeur we behold." But Peter McGuire's place in Labor Day history has not gone unchallenged. Many believe that Matthew Maguire, a machinist, not Peter McGuire, founded the holiday. Recent research seems to support the contention that Matthew Maguire, later the secretary of Local 344 of the International Association of Machinists in Paterson, N.J., proposed the holiday in 1882 while serving as secretary of the Central Labor Union in New York. What is clear is that the Central Labor Union adopted a Labor Day proposal and appointed a committee to plan a demonstration and picnic. The First Labor Day The first Labor Day holiday was celebrated on Tuesday, September 5, 1882, in New York City, in accordance with the plans of the Central Labor Union. The Central Labor Union held its second Labor Day holiday just a year later, on September 5, 1883. In 1884 the first Monday in September was selected as the holiday, as originally proposed, and the Central Labor Union urged similar organizations in other cities to follow the example of New York and celebrate a "workingmen's holiday" on that date. The idea spread with the growth of labor organizations, and in 1885 Labor Day was celebrated in many industrial centers of the country. Labor Day Legislation Through the years the nation gave increasing emphasis to Labor Day. The first governmental recognition came through municipal ordinances passed during 1885 and 1886. From them developed the movement to secure state legislation. The first state bill was introduced into the New York legislature, but the first to become law was passed by Oregon on February 21, 1887. During the year four more states — Colorado, Massachusetts, New Jersey, and New York — created the Labor Day holiday by legislative enactment. By the end of the decade Connecticut, Nebraska, and Pennsylvania had followed suit. By 1894, 23 other states had adopted the holiday in honor of workers, and on June 28 of that year, Congress passed an act making the first Monday in September of each year a legal holiday in the District of Columbia and the territories. A Nationwide Holiday The form that the observance and celebration of Labor Day should take was outlined in the first proposal of the holiday — a street parade to exhibit to the public "the strength and esprit de corps of the trade and labor organizations" of the community, followed by a festival for the recreation and amusement of the workers and their families. This became the pattern for the celebrations of Labor Day. Speeches by prominent men and women were introduced later, as more emphasis was placed upon the economic and civic significance of the holiday. Still later, by a resolution of the American Federation of Labor convention of 1909, the Sunday preceding Labor Day was adopted as Labor Sunday and dedicated to the spiritual and educational aspects of the labor movement. The character of the Labor Day celebration has undergone a change in recent years, especially in large industrial centers where mass displays and huge parades have proved a problem. This change, however, is more a shift in emphasis and medium of expression. Labor Day addresses by leading union officials, industrialists, educators, clerics and government officials are given wide coverage in newspapers, radio, and television. The vital force of labor added materially to the highest standard of living and the greatest production the world has ever known and has brought us closer to the realization of our traditional ideals of economic and political democracy. It is appropriate, therefore, that the nation pay tribute on Labor Day to the creator of so much of the nation's strength, freedom, and leadership — the American worker. Cadence Insurance Agency wishes you a Happy Labor Day!

Cadence Insurance Agency

Cadence Insurance is a full service insurance agency founded in 1966. We stand ready to assist you wherever you are located.  Do you need car insurance in Houston, do you own a home in Galveston, a business in League City or health insurance in Fort Worth?  We can help.  Our offices are conveniently located and our staff is experienced in all types of insurance, including auto, home, business, and life and health. Contact us for all your personal and business insurance needs. Call us toll free at 1-800-375-4679 10575 Katy Fwy., Ste. 150 Houston, Tx. 77024 Information provided by:  http://www.dol.gov/opa/aboutdol/laborday.htm

Kids Moving Home? What Happens to Car Insurance Rates

Author ReedMoraw , 8/30/2013
Cadence Insurance Agency A just-released analysis of 2012 census data reveals that 36 percent of young adults ages 18 to 31 were living in their parents’ house, up from 32 percent in 2007. That’s 21.6 million young people, the Pew Research Center says. Some of those young adults have never left home, of course. But many are boomerang children who left the nest and returned. Some parents may welcome them back, and others may be reluctantly giving up the bedroom they just converted to a home gym. Either way, parents of boomerang kids may need to readjust their car insurance, too. An adult child living in a parent’s home is more likely to be male than female, the Pew researchers found, and more likely to be under the age of 25 as well. That means the car insurance consequences could be expensive. For example, we compared car insurance rates for a Denver couple driving a 2012 Toyota Camry and a 2008 Honda Pilot, with clean records and 100/300/50 liability limits, plus comprehensive, collision and medical payments. By themselves, the couple would pay $3,412 a year. With a 22-year-old son moving back into the home and driving their cars occasionally, that rate rises to $4,994. It would be much, much worse if the child had an accident or tickets on his record. Time to revise car insurance Car insurance companies ask – demand, really – to know who is living in your household and driving your cars. If your children went off to college, your auto insurer may have let you take them off your policy temporarily, requiring you to add them back on when they returned for long breaks. If your child never returned home from college or moved out into his or her own residence, then you probably had the child completely removed from your policy. But when a child returns to your household, your car insurance company needs to be notified and policies reviewed.
  • If your child owns a vehicle and auto policy of his or her own, your car insurance provider will typically require a copy of the child’s policy. You then won’t have to add your boomerang child back on your policy. Most insurers assume that if the child has a vehicle, that’s what he or she will drive a majority of the time and thus won’t mandate that you add the child back on your policy as a driver.
  • Your child will need to inform his or her insurance provider of the change of address. A new location may cause a rate change (higher or lower depending upon the rating system). It’s unlikely you’ll need to be added to your child’s auto policy if you have a vehicle and policy of your own.
  • If your child does not own a vehicle, then you’ll need to add the child to your auto insurance policy if he or she is licensed. Depending upon your child’s age and driving record, this may cause your rates to rise.
  • If your child has a bad driving record, especially something as serious as a DUI, and won’t be driving your vehicles ever, then you can see about excluding him or her from your policy so that your rates won’t skyrocket.
Forgetting to inform your car insurance company about your child’s return and use of your vehicles could result in claims being denied in the future and even your policy being canceled or non-renewed for misrepresentation of licensed household members.

Cadence Insurance Agency

Cadence Insurance is a full service insurance agency founded in 1966. We stand ready to assist you wherever you are located.  Do you need car insurance in Houston, do you own a home in Galveston, a business in League City or health insurance in Fort Worth?  We can help.  Our offices are conveniently located and our staff is experienced in all types of insurance, including auto, home, business, and life and health. Contact us for all your personal and business insurance needs. Call us toll-free at 1-800-375-4679 10575 Katy Fwy., Ste. 150 Houston, Tx. 77024 This post comes from Peggy Gusner at partner site CarInsurance.com. Information provided by:  http://www.moneytalksnews.com/2013/08/15/kids-moving-home-what-happens-to-car-insurance-rates/#O27zopJkE2cfJOru.99

Advice for Parents on Back-to-School Time

Author ReedMoraw , 8/28/2013
Cadence Insurance Agency, Texas We understand that sending your adult child off to college is a hectic time, full of planning and preparation. In the midst of this preparation, it’s also an important time for parents to safeguard their child in the event of an emergency. Parents of college students face particular challenges when a medical emergency arises. When it comes to health care, college students 18 years of age are legal adults, even if parents are paying their tuition and otherwise still responsible for them. Because of the federal health care privacy law called HIPAA (the Health Insurance Portability and Accountability Act), hospitals have been known to refuse to give parents any information about their child who was admitted for a medical emergency. This, naturally, leaves parents frantic. College students can erase this obstacle by completing a legal form called a “HIPAA release”. This document permits hospitals and medical professionals to talk with the student’s parents. A HIPAA release can mean the difference between knowing what is happening with your college student in a medical emergency and being completely shut out. College students also need an Advance Medical Directive and a Durable Medical Power of Attorney. This document outlines your child’s desires regarding treatments your child would (or would not) want to receive in the hospital if your child was unable to make these decisions, and states who should make your child’s medical decisions if your child is unable to do so. Understanding the challenges that parents face is part of our job as we plan for your family. We work with families to ensure that they have the protections they need for their children, young or old. To meet this need we provide special back-to-school planning for families with college students. Round 3: financial aid One of the major advantages to using a cash value policy for college savings is that money in an insurance plan won't reduce your financial aid. Money in a 529 college savings plan can subtract up to 5.6 cents in aid for every dollar stored in the account, but cash value policies are sheltered from the federal financial aid formula, according to the Department of Education. "If families take money out of a life insurance policy for college, they need to do that as a loan," says Van Meter. Van Meter also says that taking a loan against a life insurance policy won't count against your financial aid but will reduce your death benefit. Cashing a policy out entirely will count as income and can reduce your aid package by up to 47 percent and could incur surrender charges. Families with low assets are already protected from losing federal financial aid dollars. According to the Department of Education, families can hold up to $74,000 in assets -- including real estate outside the primary home, stock market investments, savings accounts and college saving vehicles -- without impacting their federal aid. Exactly how much depends on the age of the oldest parent. Round 4: cost Section 529 administrative and advisory costs can range from 0.25 percent to 1.85 percent according to Morningstar, but charges on cash value insurance policies can easily top 2 percent, says Kuhner. To reduce the costs, Kuhner advises families to insure the student rather than listing him or her as the beneficiary. "The mortality charges are going to be much less," he says, adding that policies for young, healthy kids are substantially cheaper than those for adults. Besides paying higher administrative and advisory costs, Peter Laurenzo, a Certified Financial Planner and president of College Aid Planning Associates Inc. in Albany, N.Y., says parents saving for college in an insurance policy won't get a state income tax deduction that many 529 holders receive. "In a New York 529 plan, (families) get a state tax deduction up to $5,000 per parent," he says. "That's significant." However, not every state offers a 529 deduction and most that do only offer it to residents invested in that state's plan. Before enrolling in a life insurance or 529 plan, comparison shop and have a financial adviser crunch the numbers to see whether the no-risk returns of a life insurance plan outweigh the costs and lost tax deduction.

Cadence Insurance Agency

Cadence Insurance is a full service insurance agency founded in 1966. We stand ready to assist you wherever you are located.  Do you need car insurance in Houston, do you own a home in Galveston, a business in League City or health insurance in Fort Worth?  We can help.  Our offices are conveniently located and our staff is experienced in all types of insurance, including auto, home, business, and life and health. Contact us for all your personal and business insurance needs. Call us toll free at 1-800-375-4679 10575 Katy Fwy., Ste. 150 Houston, Tx. 77024 Information provided by: http://www.bankrate.com/finance/college-finance/life-insurance-or-529-for-college-savings-1.aspx#ixzz2c9SEG6WZ photo by:  CollegeDegrees360

RENTERS INSURANCE FOR COLLEGE STUDENTS

Author ReedMoraw , 8/26/2013
Cadence Insurance Agency What is Renters Insurance? Renters insurance protects your personal property against damage or loss, and insures you in case someone is injured while on the your property. Why Purchase Renters Insurance? If you live in a rented apartment, house or condominium, your landlord’s insurance doesn’t cover your personal property in the event that it is stolen or damaged as a result of a fire, theft or other unexpected circumstance. College students living in off-campus housing are ideal candidates for needing renters insurance, since many students bring thousands of dollars worth of personal items, such as electronics, a computer, textbooks, clothes, furniture, and a bicycle, with them to school. It is the renter’s responsibility to provide coverage for these valuable items. However, if a college student is under 26 years old, enrolled in classes and living in on-campus housing, the student may be covered under his or her parents’ homeowners or renters insurance policy. The premiums for renters insurance average between $15 and $30 per month depending on the location and size of the rental unit and the policyholder’s possessions. Basic Options Most renters insurance policies provide two basic types of coverage: personal property and liability. Personal property coverage pays to repair or replace personal belongings if they are damaged, destroyed, or stolen. This is the most commonly purchased renters policy. Liability insurance provides coverage against a claim or lawsuit resulting from bodily injury or property damage to others caused by an accident while on the policyholder’s property. Unusually expensive items, such as fine jewelry or an art collection, may require the renter to purchase additional coverage, called a “rider” or “floater”. Your insurance agent can help you determine if additional coverage is necessary. Shop for the Right Coverage Another important factor to look for when shopping for renters insurance is “actual cash value” vs. “replacement cost” coverage. Actual cash-value coverage will reimburse the renter for the cost of the personal property at the time of the claim, minus the deductible. It’s important to account for depreciation when considering this coverage option. For example, if a stereo system were stolen from an apartment, five years after the stereo was purchased, the policyholder would be reimbursed for the current value of the system. Replacement cost coverage, on the other hand, will reimburse the full value of the new stereo system, after you purchase the new system and submit your receipts. While the up-front cost is greater, you are more likely to receive accurate compensation for your possessions. Other Points of Interest Regarding Renters Insurance When a claim is reported, the insurance company will ask the policyholder for proof of purchase for all items reported on the claim. A comprehensive list of possessions, including purchase prices, model numbers and serial numbers, will suffice. It also is a good idea to take photos or video footage of any personal possessions for documentation, making sure it is stored in a secure, off-site location. When determining how much, if any, renters insurance you should purchase, estimate the value of your personal possessions. This is the amount of insurance you will need to replace the contents of your home if everything were destroyed. If a college student is living in an off-campus house or apartment with one or several roommates, they may be able to purchase a renters insurance policy together. Some policies automatically extend coverage to any resident of a policyholder’s household who fits the definition of a “domestic partner.” Otherwise, consider carrying separate coverage for each of the adult tenants. One of the smartest things you can do as a renter is reduce the chances of needing to file a claim altogether by requesting that the property owner install an anti-theft or safety device inside the rental property. In all cases, it is recommended to reference your current insurance policy or contact your agent when deciding whether or not to purchase renters insurance for a student away at college.

Cadence Insurance Agency

Cadence Insurance is a full service insurance agency founded in 1966. We stand ready to assist you wherever you are located.  Do you need car insurance in Houston, do you own a home in Galveston, a business in League City or health insurance in Fort Worth?  We can help.  Our offices are conveniently located and our staff is experienced in all types of insurance, including auto, home, business, and life and health. Contact us for all your personal and business insurance needs. Call us toll free at 1-800-375-4679 10575 Katy Fwy., Ste. 150 Houston, Tx. 77024 Photo by:  http://www.flickr.com/photos/34715674@N08/ Information provided by:  http://www.naic.org/documents/consumer_alert_renters.htm

Five Tips for Managing Your Commercial Auto Insurance Costs

Author ReedMoraw , 8/23/2013

Cadence Insurance Agency

As a business owner, you’re accustomed to taking some risks, but taking risks with the insurance that covers your business vehicles is never a good idea. You might think the right coverage can be pricey but, believe it or not, you can control some of your insurance costs. Leading commercial auto insurer Progressive offers these tips: Monitor Your Employees’ Driving Records — Driving records influence rates, so business owners should notify potential hires that they could review their Motor Vehicle Records (MVRs). Ask your local independent insurance agent for help with this. While a Commercial Driver’s License (CDL) may not be required to operate your vehicle(s), you may find drivers who have them are more skilled and could qualify for pricing discounts. Make Sure You Have Continuous Coverage — Never let your insurance lapse; if you do, you most certainly will pay more for your next policy because most insurers want to see proof of prior coverage. Ask Your Agent About Discounts — There are a lot of them out there. For example, Progressive offers discounts to companies who pay in full, have been in business for more than three years, and more. Keep an Eye on Your Credit — Some insurance companies use information about your credit history in helping to determine your rate. Ask your agent specifically what information each company looks at so that you understand what’s influencing your premium — positively and negatively. Look for a Bill Plan to Fit your Budget — Some insurance companies have significant finance charges associated with their bill plans, or they have few pay plan options. When considering the total cost of insurance, look for companies with flexible pay plans, including low down pays and no finance charges. Bottom line: regularly reviewing business expenses like insurance costs can save you money. And with commercial insurance from Progressive, your policy will be backed by superior claims service and 24/7 customer service.

Cadence Banner

Cadence Insurance is a full service insurance agency founded in 1966. We stand ready to assist you wherever you are located.  Do you need car insurance in Houston, do you own a home in Galveston, a business in League City or health insurance in Fort Worth?  We can help.  Our offices are conveniently located and our staff is experienced in all types of insurance, including auto, home, business, and life and health. Contact us for all your personal and business insurance needs. Call us toll free at 1-800-375-4679 10575 Katy Fwy., Ste. 150 Houston, Tx. 77024 Information provided by:  http://www.progressiveagent.com/articles/control-commercial-insurance-costs.aspx

League City Cadence and Ribbon Cutting!

Author ReedMoraw , 8/21/2013
Recently our League City Cadence Insurance Agency had the privilege to join with the local Chamber of Commerce for a ribbon cutting!  Check us out below!

Cadence League City

Cadence Insurance is a full service insurance agency founded in 1966. We stand ready to assist you wherever you are located.  Do you need car insurance in Houston, do you own a home in Galveston, a business in League City or health insurance in Fort Worth?  We can help.  Our offices are conveniently located and our staff is experienced in all types of insurance, including auto, home, business, and life and health. Contact us for all your personal and business insurance needs. Call us toll free at 1-800-375-4679 10575 Katy Fwy., Ste. 150 Houston, Tx. 77024

6 summer car insurance tips for college students

Author ReedMoraw , 8/19/2013
happy-teen-driver-Cadence Insurance Your car insurance coverage may need to change depending on where and when your college student drives. Whether your student drives your car or someone else's, contact your car insurance company for a quick policy update. "Parents should always alert their car insurance company if their kids are coming home for the summer or going away to school," says Penny Gusner, a consumer analyst for CarInsurance.com. "It's always better to be upfront and to be sure they're covered. Every insurance company has different rules about how college students are insured." Here are 6 summer situations: 1. Your student owns a car and comes back home from an out-of-state campus.  "College students who own a car should have their own car insurance policy and be removed from yours," says Gusner. "A lot of insurance companies will ask you to prove that the student has her own car insurance, so you should provide that if they ask." If your student borrows your car instead of driving his own once or twice, then your car insurance will cover any claims in case of an accident, just as it would if a friend borrowed the car. Your college student's insurance would provide secondary coverage, says Gusner. 2. Your student comes home and buys her own car and gets it insured, but will be leaving for an out-of-state school after the summer: Gusner says that the owners of the car must buy their own auto insurance policy. "Some companies offer a discount if the student buys a policy from the same company as her parents," says Gusner. Your student should let the auto insurance company know about his plan to use the car in different locations, because insurance requirements vary by state. "It may be easier to go with a big national insurance company in this case because they can easily add what you need to your policy," says Gusner. "A regional or local insurance company might not be able to offer coverage in both locations." 3. Your student drives a car you own while away at college and then comes back home to drive it for the summer: Gusner says you need to keep this student covered on your car insurance policy year-round, but you should let the insurance company know where the car will be garaged. "Contact your car insurance company when your student goes to school and when they come back," says Gusner. "The location change could make a difference in your premium, either up or down, especially if the college is in a city and the student lives in a suburb or vice-versa." If you don't let the car insurance company know about the location change, you run the risk of a denied insurance claim.  4. Your student doesn't own a car and comes back home to drive your car just for the summer: "Some insurance companies will let you take your student off the policy during the school year and then add her back on for part of the year," says Gusner. "It depends on the insurance company, but some limit this according to how far away the college is. For instance, if the school is 100 miles or less from home, the insurance company may insist that your student stay on the policy because of the likelihood that she'll come home for weekends." 5. Your student doesn't own a car and will be driving a relative's or family friend's car for the summer: "Whoever owns the car needs to contact their car insurance company," says Gusner. "The impact on the insurance policy depends on where the car is garaged and how often the student drives it. The car owners might have to put the student on their policy as an occasional driver, usually that means someone who drives less than 25 percent of the car's typical annual mileage." If the car will be kept at your home, the owner's insurance company needs to be notified. 6. Your student is away for the school year and most of the summer: "If your college student doesn't drive enough to create risk for the insurance company and is only home a couple of weeks a year, then your insurance company may allow you to take the student off your policy," says Gusner. "It's just like if your parents come to visit a few times a year and drive your car. You don't put them on your policy; they're just covered as a guest." Gusner says you shouldn't be afraid to call your car insurance company to discuss your college student's new driving pattern. In fact, it could save you money if you make the call.

 Cadence Banner

Cadence Insurance is a full service insurance agency founded in 1966. We stand ready to assist you wherever you are located.  Do you need car insurance in Houston, do you own a home in Galveston, a business in League City or health insurance in Fort Worth?  We can help.  Our offices are conveniently located and our staff is experienced in all types of insurance, including auto, home, business, and life and health. Contact us for all your personal and business insurance needs. Call us toll free at 1-800-375-4679 10575 Katy Fwy., Ste. 150 Houston, Tx. 77024

The Screwtape Letters

Author ReedMoraw , 8/16/2013
Cadence Insurance Agency THE SCREWTAPE LETTERS is a smart, provocative and wickedly funny theatrical adaptation of the C.S. Lewis novel about spiritual warfare from a demon’s point of view. It was a hit in NYC where it played 309 performances at the Westside Theatre in 2010.  Prior to that it ran for six months in Chicago.  The Chicago Tribune described THE SCREWTAPE LETTERS as the "most successful show in the history of Chicago's Mercury Theatre." It, also, had two engagements at The Shakespeare Theatre in Washington, D.C. where it played for ten sold-out weeks. The national tour of THE SCREWTAPE LETTERS will play in over fifty major cities and performing arts venues throughout the United States. The play, set in a eerily stylish office in hell, follows the clever scheming of Satan's chief psychiatrist, Screwtape, as he entices a human 'patient' toward damnation. In this topsy-turvy, morally inverted universe God is the “Enemy” and the Devil is “Our Father below.”  The stakes are high as human souls are hell's primary source of food. As His Abysmal Sublimity Screwtape, award winning actor Brent Harris, creates a “master of the universe” character who mesmerizes the audience as he allures his unsuspecting 'patient' down the “soft, gentle path to Hell.” At his feet is Screwtape's able assistant, Toadpipe, (played by Marissa Molnar & Tamala Bakkensen) a grotesque creature demon, who transforms her elastic body into the paragons of vices and characters Screwtape requires to keep his patient away from the "Enemy." Along with The Chronicles of Narnia (including The Lion, The Witch and The Wardrobe), The Great Divorce and Mere Christianity, THE SCREWTAPE LETTERS is still one of Lewis’ most popular and influential works.  The book's success is due to its piercing insight into human nature and the lucid and humorous way Lewis makes his readers squirm in self recognition.  When first published in 1942 it brought immediate fame to this little-known Oxford don including the cover of Time Magazine.
Lewis dedicated the work to his close friend J. R. R. Tolkien who had expressed to Lewis that delving too deeply into the craft of evil would have consequences. Lewis admitted as much when he wrote: “Though I had never written anything more easily, I never wrote with less enjoyment . . . though it was easy to twist one’s mind into the diabolical attitude, it was not fun, or not for long. The work into which I had to project myself while I spoke through Screwtape was all dust, grit, thirst, and itch. Every trace of beauty, freshness, and geniality had to be excluded.” Adapted and directed by Jeff Fiske & Max McLean, Scenic design is by Cameron Anderson, costumes are by Michael Bevins, lighting by Jesse Klug, and sound is by John Gromada.

Cadence Insurance Agency

Cadence Insurance is a full service insurance agency founded in 1966. We stand ready to assist you wherever you are located.  Do you need car insurance in Houston, do you own a home in Galveston, a business in League City or health insurance in Fort Worth?  We can help.  Our offices are conveniently located and our staff is experienced in all types of insurance, including auto, home, business, and life and health. Contact us for all your personal and business insurance needs. Call us toll free at 1-800-375-4679 10575 Katy Fwy., Ste. 150 Houston, Tx. 77024 Information provided by:  www.screwtapeonstage.com/about  

It is National Smile Week

Author ReedMoraw , 8/14/2013
“Every time you smile at someone, it is an action of love, a gift to that person, a beautiful thing.”-Mother Theresa Cadence Insurance Agency Studies suggest that smiling, forced or not, can have a positive effect on your mood, decrease stress levels, and even make everyone around you feel better. Here are 9 surprising benefits of smiling that will really give you something to smile about. 1. Smiling is Contagious Because of complex brain activity that occurs when you see someone smiling, smiles are contagious. Studies report that just seeing one person smiling activates the area of your brain that controls your facial movement, which leads to a grin. Because of complex brain activity that occurs when you see someone smiling, smiles are contagious. Studies report that just seeing one person smiling activates the area of your brain that controls your facial movement, which leads to a grin. 2. You’ll Decrease Stress and Anxiety It’s not easy to keep smiling in stressful situations, but studies report that doing exactly that has health benefits. When recovering from a stressful situation, study participants who were smiling had lower heart rates than those with a neutral facial expression. 3. Smiling Releases Endorphins Smiling decreases stress and anxiety by releasing endorphins, chemicals that makes you happier. Endorphins are the same chemicals you get from working out or running, resulting in what is known as a runner’s high. 4. You’ll Be More Attractive A smile suggests that you’re personable, easy going, and empathetic. In fact, a study in the European Journal of Social Psychology found that smiling actually makes you more attractive to those you smile at. 5. Smiling Strengthens Your Immune System Smiling even makes your immune system stronger by making your body produce white blood cells to help fight illnesses. One study found that hospitalized children who were visited by story-tellers and puppeteers who made them smile and laugh had higher white blood cell counts than those children who weren’t visited. 6. You’ll Be Friendlier Studies have found that people are more willing to engage socially with others who are smiling. A smile is an inviting facial expression that tells people you are willing to talk and interact with them. 7. Smiling Will Make You More Comfortable Our natural tendency is to stick to things that are familiar, but smiling decreases this need. A study found that smiling can make you more comfortable in situations you would otherwise feel awkward in. 8. You’ll Be More Trustworthy Trusting doesn’t come easily to many, but smiling at someone may help. Participants in a University of Pittsburgh study rated people who smiled as more trustworthy than people with non-smiling facial expressions. 9. You’ll Be a Better Leader If you’re in a position of power, or want to be, smiling may be the key to your success. A group of researchers from The University of Montpellier discovered that smiling is a more effective leadership technique than having great management responsibilities.

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