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Wednesday, September 24, 2014

10 Things I Wish I Knew When I Was Younger


1. Love yourself most of all. By accepting yourself, you can accept and love others.
2. Surround yourself with those that share the same values as you do about friendship. You get to pick your friends so pick the ones that lift you up and others. Don't let the negativity of others bring you down.
3. Learn to accept love in the package it comes in. You may have never thought of a partner of a different race but you could be missing on the greatest love of your life. Plus you would miss the education of seeing the world thru the eyes of someone different than you that you love. It's amazing!
4. Learn to speak your mind. Better to share your opinion early than let it fester and you blow up! Minimize the damage and be honest.
5. See others as teachers. They all have a different perspective and can provide you with great insights. Remember, everyone you meet knows something you don't.
6. Don't be afraid to show your true colors. Individuality is in and admired. Make your statement but be prepared to explain it. Be sure it relates to the profession you seek. No embarrassing pics on Facebook that will haunt you later.
7. You will make bad choices. We've all done it. Learn from them and better yourself but don't beat yourself up! Apologize and move on!
8. Create a starting point. Rich or poor, you need a plan and a course of action. You can't reach a goal unless you have one to shoot far.
9. Be your authentic self. Honesty and being genuine will win you over the competition every time!
10. You need to dress for success. If you have an important job, dress the part. However, if you deal with regular people, you should dress as they do to build camaraderie.

Tuesday, September 16, 2014




On September 8, 2014 Farmers partnered with leading U.S. pet insurance provider Pets Best to offer pet insurance through Farmers.com/petinsurance.
Pets Best provides comprehensive coverage for your dog and cat for as low as $16/month.
Dr. Jack L. Stephens, president of Pets Best, founded pet insurance in the U.S. in 1981 with a mission to end euthanasia when pet owners couldn’t afford veterinary treatment. Dr. Stephens went on to present the first U.S. pet insurance policy to famous television dog Lassie. Pets Best provides coverage for dogs and cats and is the only veterinarian founded and operated pet insurance agency in the United States.
Anyone who purchases a policy through Farmers.com/petinsurance will receive a 5 percent discount on pet insurance provided by Pets Best, regardless of if they are a current Farmers customer.
Coverage available is:
- Routine veterinary expenses, such as office visits, vaccinations and teeth cleanings
- Accidents and illness
- Emergency visits, behavioral conditions, surgeries, hereditary conditions, international travel and more
And, you can pick your own Veterinarian using your zip code. Pets Best plans allow policyholders to choose any licensed veterinarian anywhere in the world. The vet locator service on the Pets Best website helps pet parents find the closest veterinarians simply by entering a zip code.
All claims are handled by Pets Best. For claims information, customers can contact Pets Best at 877-464-6542. Pets Best offers a claim pre-approval service and most claims are processed within two to five days. A representative from Pets Best will be available to handle claims Monday through Friday from 6:00 am – 6:00 pm Pacific Time and Saturday from 9:00 am – 1:00 pm Pacific Time.
re's where you can enter in text. Feel free to edit, move, delete or add a different page element.

Friday, September 12, 2014

Before leaving for vacation, make sure you inspect your home


Before leaving for vacation, make sure you inspect your home

Did you know: an 8 inch crack in your pipes can spew up to 250 gallons of water a day?1
Tips to protect your home while you are away:
■■ Turn off the water supply to individual fixtures like your washing machine, icemaker, toilets, and sinks. Flooding often occurs when hoses are worn or ruptured, or there is a leak at the connection.
■■ Use storm surge protectors on high-end electronics in case bad weather leads to flooding or fire.
Establish safety rules for the swimming pool and surrounding area

Did you know: more than 200 children younger than 15 years old drowned in a swimming pool or spa between Memorial Day and Labor Day in 2013?

Tips to keep your kids safe by the pool:
■■ Never leave children unsupervised around water, even if they know how to swim.
■■ Enclose the pool on all sides with a self-locking, self-closing fence with vertical bars. Openings in the fence should be no more than four inches wide.
Take safety precautions before you fire up the grill

Did you know: June and July are the peak months for barbecue fires?
Tips to prevent a grill fire:
■■ Place the grill outdoors and away from the house, deck, overhead branches and anything else that may catch fire. Make sure you also clean and remove any grease or fat buildup on the grill.
■■ If the flame goes out on your propane grill while cooking, turn off the grill and the gas. Wait 15 minutes before you relight to provide time for the propane to dissipate to avoid a gas explosion.

Thursday, September 11, 2014

Think you pay a lot for auto insurance? Well, Houston isn't the worst place for Auto Insurance Rates, by far, but still not the best. Drivers in the North Carolina city enjoy the lowest auto insurance rates in the country, paying 43% less than the national average. Cleveland and Pittsburgh take the second and third place spots on ths list, with local drivers paying 31% and 24% less than the national average for their car insurance, respectively.
On the flipside, Detroit, Michigan is home to the most expensive car insurance rates, a fact that researchers blame on the area's many uninsured motorists and the fact that the state's insurers include unlimited personal injury protection with their policies. Drivers in the Motor City pay a full 165% more than the national average for their car insurance.
Wow, so that's #1. Funny thing is, the rest of the list isn't even come close to that 165% premium.
#2. New York City
36% more than the national average.
#3 Miami
34% more than the national average
#4 Los Angeles
25% more than the national average
#5 Atlanta
17% more than the national average
#6 Sacramento
16% more than the national average
#7 San Jose-San Francisco-Oakland
10% more than the national average
#8 Philadelphia
10% more than the national average
#9 Houston
10% more than the national average
#10 Tampa-St. Petersburg
9% more than the national average

Monday, August 25, 2014

Insurance Expert David D. Lorms Featured in USA Today


Insurance expert David Lorms, President of Lorms Insurance Services, was recently featured in USA Today with other leading professionals from across the United States. The piece, titled “America’s PremierExperts® Presents: The Next Big Thing,” ran in the August 14th 2014 edition of USA Today. The piece features quotes from these leading business experts discussing “The Hottest Trends in Health, Wealth & Success.”
Here is what the readers of USA Today learned from David Lorms:
“Good personal relationships will ultimately determine your success in life and in business. You should make people feel valuable and special and that their business is important to you. Building trust is paramount to a successful relationship. If people know and like you, they are likely to trust you and do business with you. Remember to use their name often.”
David Lorms is a Farmers Insurance Agent in Houston, TX. He is an Award Winning Insurance Specialist, Winner of the Quilly and EXPY Award for his writing, and Hosts the “Make It Happen With David Lorms” internet Radio Show at www.KBRZSports.com, which airs live every Wednesday at noon. It’s a show about Business Owners and Entrepreneurs or Successful people, who have turned their failures and challenges into success.  He also co-founded The Oaks Business Association, where he is the current President.
David is heavily involved in his community as a member of his Home Owners Association, an Usher at his Church, and donating time and money to several local Elementary, Middle and High Schools. One program he is proud of is his creation of awarding students for perfect attendance with bikes, medals or other items deemed appropriate by the school. David is also involved in the March of Dimes, AIDS Walk, and Cell Phones for Soldiers, a program that collects old cell phones to exchange for minutes for soldiers to use to call their family.
In 2013, David joined Brian Tracy and a select group of the world’s leading business professionals to co-write the book titled, Change Agents: The World’s Leading Experts Reveal Their Secrets for Successfully Changing the Status Quo to Help Their Clients Lead Better Lives and Run Better Businesses. On the day of release, Change Agentsreached best-seller status in seven Amazon.com categories – reaching as high as #2 in the “Direct Marketing” and “Marketing for Small Business” categories.  David was also interviewed by Brian Tracy for The Brian Tracy Show, which was seen on NBC, CBS, ABC and FOX affiliates across the country. He also appeared on “The Rollet Report” and “Money For Lunch” Radio Shows. David has also been seen inForbes Magazine.
Learn more about David Lorms at www.lormsinsuranceservices.com

Tuesday, July 15, 2014

10 Ways to get Cheaper Home Insurance

Looking for Cheap Home Insurance? Well, if the price sounds too good to believe, here are a few red flags when making a buying decision.
1. If you are offered The Texas Fair Plan, be warned. This is a state funded bare bones policy, that usually doesn't include coverage for falling objects and sudden discharge of water, to name some. To qualify for the policy, you must have been denied coverage by three other companies first. Sure, the price might be good, but you are sacrificing coverage. And if this type of home policy isn't being explained to you by the Agent, beware!
2. The Dwelling Reconstruction coverage is not only to rebuild or repair your home at the current cost of labor and materials, not including discounts a builder might get, but also the cost to remove debris, including the slab and driveway. Review the reconstruction calculation with your agent.
3. Often times the lender will request that you purchase a home policy with dwelling coverage that is equal to or more than the loan. However, the policy only covers the cost to rebuild or repair and it's very possible that cost will not be enough to cover the loan. The bank would never be paid directly from the insurance company to pay off the loan. Plus, the land will always be there and is often the most expensive part of the home purchase. So, discuss this issue with your lender.
4. Try to bundle your policies for a discount. However, this is not always cheaper. Compare.
5. A roof less than 5 years old can often get you a discount.
6. An burglar and fire alarm monitored by an outside source may get you a discount. Often, proof required is a bill from the service that you use. Just because you have the alarm doesn't get the discount, but having it working service is what gives you the discount.
7. If you have a woodframe home, upgrading to hardi plank, brick or stucco could get you a discount.
8. If you home is 35 years or older, replaceing 100% of the wiring and plumbing could get you a discount, or at least more companies to get quotes from to compare. OFten times, proof is required. Either a copy of the invoice and payment made will work, or a letter from the licensed contractor would be considered proof.
9. Professional discounts are sometimes available, accoding to your type of profession. Proof would be a copy of your degree, license or certification. 
10. Always ask for ways to lower your premium or other discounts available.

Wednesday, April 30, 2014

Endorsement for David Lorms


Nick Nanton, Emmy Award Winner and Multi Best-Selling Author endorses David Lorms and Lorms Insurance Agenct.
www.LormsInsuranceServices.com

Wednesday, April 16, 2014

KBRZSports.com Sponsorship


Recording my commercial at KBRZSports.com for sponsoring the 5A Semifinal Soccer Tournament to broadcast tomorrow Thursday 4/16/14 at 6:30PM. Tune in to hear yours truly!

Interesting article, don't you think? My comment on the article is that it appears generalized on a federal level as each state has their own rules and regulations regarding insurance premiums. For example, in Texas, the Major Insurance companies have to petition the state for permission for rate increases. In my experience, I have seen rates drop upon renewal for some customers. While the Kathy Kristof, the Author, is a respected Financial Writer, and Robert Hunter is director of insurance at Consumer Federation of America, the article does say to check our your own State for more details. In fact, it warns you to do more investigation than make your decision on price alone. Your claims experience is, after all, why you have the insurance. In short, while this article may apply to some states exactly as written, in my opinion, it doesn't for the state of Texas. All insurance companies in Texas are required to use the same policy and there are heavy restrictions on discounts. Premiums in Texas are not negotiable. My clients not only get a stable company backing their claims, but the service on an Agent, me, that has former claims experience that will come in handy if there is a claim. In addition, my Agency contributes to charity and donates to the community. There is more to consider than premium alone.

www.lormsinsuranceservices.com

Friday, April 11, 2014

Insurance Expert David D. Lorms Featured as Guest on The Brian Tracy Show


David D. Lorms was recently seen on NBC, CBS, ABC and FOX network affiliates around the country as a guest on The Brian Tracy Show.

Apr. 11, 2014 - HOUSTON -- Houston, Tex. – April 10, 2014 – Insurance expert David Lorms, President of Lorms Insurance Services (http://www.lormsinsuranceservices.com/), was recently a featured guest on The Brian Tracy Show. Best-selling author Brian Tracy, one of the country’s leading business minds, hosts the show that was recently featured on NBC, CBS, ABC and FOX affiliates across the country.

“The Brian Tracy Show”, filmed in San Diego, California, features an interview format, with Brain Tracy interviewing business leaders and marketing experts from around the world. David Lorms was one of Mr. Tracy’s recent guests, discussing how his sharp business insight assures each individual client of his will receive the best coverage, and emphasized the importance of delivering outstanding customer service.

David Lorms is a Farmers Insurance Agent in Houston, TX. His prior work included experience in sales and insurance claims giving him a solid background for becoming an Insurance Agent. He has won numerous awards including the Blue Vase and Toppers Club. David is heavily involved in his community as a member of his Home Owners Association, an Usher at his Church, and donating time and money to several local Elementary, Middle and High Schools. One program he is proud of is his creation of awarding students for perfect attendance with bikes, medals or other items deemed appropriate by the school. David is also involved in the March of Dimes, AIDS Walk, and Cell Phones for Soldiers, a program that collects old cell phones to exchange for minutes for soldiers to use to call their family.

In 2013, David joined Brian Tracy and a select group of the world’s leading business professionals to co-write the book titled, Change Agents: The World's Leading Experts Reveal Their Secrets for Successfully Changing the Status Quo to Help Their Clients Lead Better Lives and Run Better Businesses. On the day of release, Change Agents (http://davidlorms.changeagentsthebook.com/) reached best-seller status in seven Amazon.com categories - reaching as high as #2 in the “Direct Marketing” and “Marketing for Small Business” categories.

The Brian Tracy Show was produced by Emmy Award winning director and producer, Nick Nanton, Esq. and Emmy Award winning Producer, JW Dicks, Esq., Co-Founders of America’s PremierExperts® and The Dicks and Nanton Celebrity Branding Agency®.

Learn more about David Lorms at www.lormsinsuranceservices.com

Thursday, April 10, 2014

Cheap Home Insurance



Looking for Cheap Home Insurance? Well, if the price sounds too good to believe, here are a few red  flags when making a buying decision.
1. If you are offered The Texas Fair Plan, be warned. This is a state funded bare bones policy, that usually doesn't include coverage for falling objects and sudden discharge of water, to name some. To qualify for the policy, you must have been denied coverage by three other companies first. Sure, the price might be good, but you are sacrificing coverage. And if this type of home policy isn't being explained to you by the Agent, beware!
2. The Dwelling Reconstruction coverage is not only to rebuild or repair your home at the current cost of labor and materials, not including discounts a builder might get, but also the cost to remove debris, including the slab and driveway.
3. Often times the lender will request that you purchase a home policy with dwelling coverage that is equal to or more than the loan. However, the policy only covers the cost to rebuild or repair and it's very possible that cost will not be enough to cover the loan. The bank would never be paid directly from the insurance company to pay off the loan. Plus, the land will always be there and is often the most expensive part of the home purchase. So, discuss this issue with your lender.

For more information about David Lorms, visit www.lormsinsuranceservices.com

Wednesday, April 9, 2014


Houston, Tex. – April 9, 2014 – Insurance expert David Lorms, President of Lorms Insurance Services, was recently awarded an EXPY Award for shared knowledge and success from The National Association of Experts, Writers & Speakers at the first Annual EXPY Awards Ceremony held at the Hard Rock in New York on April 4th, 2014. Among the honorees were Dan Sullivan, the world’s foremost expert on entrepreneurship in action, Brain Tracy, Best-Selling Author and Entrepreneur Expert, and Kevin Harrington, Entrepreneur of the As seen on TV infomercials and The Shark Tank TV Show. Lorms was also a guest on the Rollett Report Radio Show while in New York, answering questions from callers.

Lorms was also interviewed on The Brian Tracy TV Show, as seen on ABC, CBS, NBC and FOX as an industry expert. He was also seen in the March 2014 issue of Forbes magazine with other leading professionals as part of a feature called “America’s PremierExperts® Presents: Forecasts & Strategies For the New Year and Beyond.” In the Forbes feature, David Lorms and other leading experts from various industries were asked for their top tips on “health, wealth and success to help you thrive in the New Year and beyond.

David Lorms is a Farmers Insurance Agent in Houston, TX. His prior work included experience in sales and insurance claims giving him a solid background for becoming an Insurance Agent. He has won numerous insurance awards including the Blue Vase and Toppers Club. David is heavily involved in his community as a member of his Home Owners Association, The Oaks Business Association, an Usher at his Church, and donating time and money to several local Elementary, Middle and High Schools. One program he is proud of is his creation of awarding students for perfect attendance with bikes, medals or other items deemed appropriate by the school. David is also involved in the March of Dimes, AIDS Walk, and Cell Phones for Soldiers, a program that collects old cell phones to exchange for minutes for soldiers to use to call their family.
In 2013, David joined noted business development expert, Brian Tracy, and a select group of the world’s leading business professionals to co-write the book titled, Change Agents: The World's Leading Experts Reveal Their Secrets for Successfully Changing the Status Quo to Help Their Clients Lead Better Lives and Run Better Businesses. On the day of release, Change Agents reached best-seller status in seven Amazon.com categories - reaching as high as #2 in the “Direct Marketing” and “Marketing for Small Business” categories.

Learn more about David Lorms at www.lormsinsuranceservices.com

Monday, March 31, 2014

Insurance Expert David D. Lorms Featured in Forbes Magazine


David D. Lorms was recently featured in Forbes as one of America’s PremierExperts, offering helpful tips on health wealth and success.

Houston, Tex. – March **, 2014 – Insurance expert David Lorms, President of Lorms Insurance Services, was recently seen in the March 2014 issue of Forbes magazine with other leading professionals as part of a feature called “America’s PremierExperts® Presents: Forecasts & Strategies For the New Year and Beyond.” In the Forbes feature, David Lorms and other leading experts from various industries were asked for their top tips on “health, wealth and success to help you thrive in the New Year and beyond.”

Here is what David Lorms had to say to the readers of Forbes about this subject:

“With today’s technology, real personal service can be overlooked. Surprise a client with a hand-written note thanking them for their business or observing a special occasion. Call clients by name, look them in the eye and shake their hand. Make them feel important and they will continue to do business with you and introduce their friends to you. And smile!”

David Lorms is a Farmers Insurance Agent in Houston, TX. His prior work included experience in sales and insurance claims giving him a solid background for becoming an Insurance Agent.  He has won numerous awards including the Blue Vase and Toppers Club. David is heavily involved in his community as a member of his Home Owners Association, an Usher at his Church, and donating time and money to several local Elementary, Middle and High Schools. One program he is proud of is his creation of awarding students for perfect attendance with bikes, medals or other items deemed appropriate by the school. David is also involved in the March of Dimes, AIDS Walk, and Cell Phones for Soldiers, a program that collects old cell phones to exchange for minutes for soldiers to use to call their family.

In 2013, David joined noted business development expert, Brian Tracy, and a select group of the world’s leading business professionals to co-write the book titled, Change Agents: The World's Leading Experts Reveal Their Secrets for Successfully Changing the Status Quo to Help Their Clients Lead Better Lives and Run Better Businesses. On the day of release, Change Agents reached best-seller status in seven Amazon.com categories - reaching as high as #2 in the “Direct Marketing” and “Marketing for Small Business” categories.


Learn more about David Lorms at http://www.lormsinsuranceservices.com

Thursday, March 20, 2014

Is Flood Premium Relief Coming Your Way?



President Barack Obama is set to sign into law a bipartisan bill relieving homeowners living in flood-prone neighborhoods from big increases in their insurance bills.

The legislation, which cleared Congress on Thursday, reverses much of a 2012 overhaul of the government’s much-criticized flood insurance program after angry homeowners facing sharp premium hikes protested.
The Senate’s 72-22 vote sent the House-drafted measure to Obama. White House officials said he’ll sign it.
The bill would scale back big flood insurance premium increases faced by hundreds of thousands of homeowners. The measure also would allow below-market insurance rates to be passed on to people buying homes in flood zones with taxpayer-subsidized policies.

Critics say Washington is caving to political pressure to undo one of the few recent overhauls it has managed to pass.

“While politically expedient today, this abdication of responsibility by Congress is going to come back and bite them and taxpayers when the next disaster strikes,” said Steve Ellis, vice president of Taxpayers for Common Sense, a Washington-based watchdog group. “Everyone knows this program is not fiscally sound or even viable in the near term.”

The hard-fought 2012 rewrite of the federal flood insurance program was aimed at weaning hundreds of thousands of homeowners off of subsidized rates and required extensive updating of the flood maps used to set premiums. But its implementation stirred anxiety among many homeowners along the Atlantic and Gulf coasts and in flood plains, many of whom are threatened with unaffordable rate increases.

The legislation offers its greatest relief to owners of properties that were originally built to code but subsequently were found to be at greater flood risk. Such “grandfathered” homeowners currently benefit from below-market rates that are subsidized by other policyholders, and the new legislation would preserve that status and cap premium increases at 18 percent a year. The 2012 overhaul required premiums to increase to actuarially sound rates over five years and required extensive remapping.

Many homeowners faulted the Federal Emergency Management Agency’s implementation of the 2012 law. In some instances, homeowners from areas that had never been flooded were shocked and frightened by warnings of huge, unaffordable premium increases. The resulting uproar quickly got the attention of lawmakers and peppered them with complaints.

“In many cases, these are people with $100,000 homes that are getting (flood insurance) bills that are more than their mortgage payments,” said Rep. John Fleming, R-La. “You had certainly a significant number of people who were really going to be hurt seriously through no fault of their own.”
The top leaders of both parties came on board, overcoming resistance from defenders of the 2012 overhaul like House Financial Services Committee Chairman Jeb Hensarling, R-Texas, whose turf was trampled along the way.
“Members on both sides of the aisle and a broad geographic distribution got involved. And when you get enough members involved, it’s going to get the attention of the leadership, and that was a major factor,” said Rep. Charles Boustany, R-La.

Another provision, eagerly sought by the real estate industry, would allow sellers of older homes built before original flood insurance risk maps were drafted to pass taxpayer-subsidized policies on to the people buying their homes instead of requiring purchasers to pay actuarially sound rates immediately, as required by the 2012 law. The new rates are particularly high in older coastal communities in states like Florida, Massachusetts and New Jersey, and have put a damper on home sales as prospective buyers recoil at the higher, multifold premium increases.
The measure also would give relief to people who bought homes after the changes were enacted in July 2012 and therefore faced sharp, immediate jumps in their premiums; they would see those increases rolled back and receive rebates. Separate legislation by Sen. Mike Lee, R-Utah, would make sure that rebates would not go to recent buyers of beach houses and other second homes. It passed the Senate Thursday and is likely to get a vote in the House.

“While it is important to put this program on sound financial footing, middle-class families should be able to afford the insurance they need to stay in their homes,” White House spokesman Bobby Whithorne said.
Thursday’s bill was written by House Majority Leader Eric Cantor, R-Va., and Rep. Michael Grimm, R-N.Y., with input from Democrats like Rep. Maxine Waters of California, whose votes were critical to House passage last week.

“We’ve solved a very short-term problem and made it a long-term problem,” said Sen. Tom Coburn, R-Okla. “We didn’t really do our work because we were in such a hurry to take the political pressure off of the increases in the flood insurance rates.”


People whose second home is in a flood zone and those whose properties have flooded repeatedly would continue to see their premiums go up by 25 percent a year until reaching a level consistent with their real risk of flooding.

Wednesday, March 12, 2014

The Oaks Business Association


Oak Forest - On Tuesday, March 11th, 2014, the first general meeting was held for The Oaks Business Association at the St. James Lutheran Church with close to 50 people attending. Topics included the creation and nomination of Board Members to be elected at the next meeting (TBA), the by laws, community involvement and the mission for the organization. The Oaks Business Association also unveiled their logo and tag line. The first networking event held last month at Plonk! had over 40 people attend where the community was able to meet local business owners. Business Owners and Businesses that do business in Oak Forest and Garden Oaks, as well as community members, are welcome to attend meetings and networking events. Please "like" The Oaks Business Association Facebook page for more details.
Pictured are co founders David Lorms, Farmers Insurance, and Courtney Patel, Houston City Living.