Author Archives: spivey

By now you have probably turned on your heat, especially for those chilly fall nights. In the coming months you may start to notice your electric bill rising. Before you know, you are asking yourself how you have consumed so much electricity to the point where you can no longer afford your electric bill. Before […]

Thanksgiving is just a few days away, and while you prep the last decorations and put the finishing touches on the menu, it is also smart to review your homeowner’s insurance policy. According to the National Fire Protection Association, Thanksgiving Day is the leading day for home cooking fires. There are many distractions on Thanksgiving […]

Black Friday is the busiest shopping day of the year. With that being said, it is easy to get caught up in the chaos searching for the best deals. Black Friday shopping can bring out the worst in people (and the best if you are lucky). Millions of Americans wait till the first hours of […]

Your credit score is a three-digit number between 500 and 900 that is needed for the larger purchases in life, including loans, mortgage and vehicles. But have you ever thought your credit score could affect your insurance rates? Insurance companies have been using credit scores since the 1990’s to determine rates per customer. When in […]

The chilly nights in the fall season have people turning on their fireplaces, furnaces, and heaters to keep warm. However, turning on heating devices for the first time after months of sitting shut off can be dangerous. There are many safety hazards to keep in mind when turning on your heater for the first time […]

Having insurance is not only smart, but it is legally required. Insurance such as car insurance and health insurance is mandatory by the state. Other types of insurance coverage, such as home insurance, business insurance, etc. just make sense to get through everyday life. However, there are some insurance policies that you could be paying […]

As a small business owner, you may sometimes feel intimidated by other business building up around you. You have worked hard to make your business what it is today by offering unique products and services to your customers. When you are a small business, what do you do when you are competing against giant chain […]

Do you remember where you were on September 11th, 2001? The exact place where you heard that two planes crashed into the Twin Towers in New York City. The feelings you had; the chills on your body. Now think of where you are today, 15 years later. Every year this day comes around, it makes […]

Having a child grow up does not only mean changes for them, it means changes for you too. Kids getting older bring many changes to the family, like adding another driver. Is your kid getting his or her drivers licenses this year? Will they be driving a new vehicle to and from school everyday? Or […]

The North Carolina weather is unpredictable. The summer months bring dangerous thunderstorms and come the winter months, the Carolinas’ are fonder of ice storms than snowstorms. With unpredictable weather, it is hard to prepare for dangerous situations. Even something as simple as a power outage can be dangerous and miserable to live through. At Spivey […]

It is that time of year again! Time to stuff book bags full of pencils and paper and send your kids of school! Send your kids off to school this year with confidence by making sure your child has the proper health insurance policy. As a parent, of course you want to do all you […]

You have heard of credit card fraud, but have you ever heard of insurance fraud? Insurance fraud is when someone makes a false insurance claim in order to collect money that they are not entitled to. Insurance fraud is illegal in all fifty states and it punished harshly. According to the Coalition Against Insurance Fraud, […]