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www.redmond-reporter.com[8] August 12, 2011

By Ali AlyAzdi

State Farm® agent

Whether you’re a first time buyer of auto insurance or already have it but are looking for a better deal, you should be asking several questions.

First, is the person from whom you’re buying (your agent) a visible, established member of your community someone you know and trust?

Second, is the company

from whom you’re buy-ing well known? What is its reputation? What about price? Because there are

hundreds of com-panies competing for your business, prices vary – some-times a lot. It may pay you to shop. Be sure the premiums you’re quoted are for equal amounts of coverage.

How about service? Price is important but saving money won’t mean much unless you get the service

you need - when you need it. If possible, ask other clients of your prospective agent how they’ve been treated, especially when they’ve had a claim. Find out how the company handles claims. Is the method convenient for you, no matter where you have an accident?

How about solvency? Is the company you’re considering still going to be in business when you file your claim? Your state department of insurance has financial rating information on all of the companies that do business in its state.

Once you’ve decided on a company and an agent, there

are more questions to ask. How much coverage do you need? The required mini-mum amounts of liability coverage may not be enough for you.

Consider your needs in light of your assets and income. How much can you afford to pay if there’s a big judgment against you because of an accident? What about deductibles? Deductibles lower your pre-miums - most commonly for collision and comprehensive coverages - but increase the amount of loss that comes out of your pocket. How much additional risk are you willing to take in order to save?

Should you carry collision and comprehensive cover-age? As your car’s value de-creases, you might consider dropping these coverages and pocketing the savings on premiums. But consider if the savings are enough to offset the risk of footing the entire cost of repairing or replacing your car.

Auto insurance is not a generic commodity. It is a product that should be tailored to each individual. Your agent can help you answer these questions and help you tailor your auto insurance to your specific and unique needs.

John C. Brandy

514623

Member SIPC

1001136

Rolling over your 401(k) to a State Farm® IRA is easy. I can take care of the paperwork while helping you with a retirement plan that meets your needs. Like a good neighbor, State Farm is there.®

CALL ME TODAY.

Changing jobs or retiring?

State Farm, Home Office, Bloomington, IL

Take your retirement savings with you.

Ali Alyazdi CLU, Agent16528 Cleveland Street

Redmond, WA 98052Bus: 425-885-9238

[email protected]


CALL ME TODAY.




Ali Alyazdi CLU, Agent16528 Cleveland StreetRedmond, WA 98052Bus: [email protected]

1001136


CALL ME TODAY.





1001136


CALL ME TODAY.





514439

Ali Alyazdi CLU, Agent16528 Cleveland StreetRedmond, WA 98052Bus: 425-885-2288

E-mail: [email protected]: www.alyazdi.com

DO YOU PREPARE MORE FOR FAMILY VACATIONS THAN YOU DO FOR COLLEGE?

To learn how we can help you prepare for your child’s future education expenses, call or visit today.

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8103 164th Ave NERedmond, WA 98052425-867-5187

Deana HaleFinancial Advisor


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A portfolio review will help ensure your investmentsare keeping pace with your goals. Call your localfinancial advisor today.

Deana HaleFinancial Advisor.


...dollars & $enseShopping for auto insurance

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“The legislature is hanging us out to dry,” he said at the meeting.

District officials said this is because school districts’ rainy day funds will eventually run out and districts will reach their levy caps on how much money they can ask for from taxpayers.

To address the teachers’ salary reductions — which just means a reduction in how much money the district receives from the state — Kimball said they worked with teachers to come up with a solu-tion that includes teachers work-ing two additional days. There will be an extra instructional day on June 21, 2012 — extending the school year calendar from 180 to 181 days and the last day of school to June 22 — and a teacher work day on May 25, the Friday before Memorial Day. This day had been a regular school day, but now students will not go to school and make up for it at the end of the year.

“Everyone came to the table with what I call a really nice compromise,” the superinten-dent said about the district’s negotiations with teachers.

Kimball said the two extra days will be dedicated to prepar-ing for the district’s grade recon-figuration to a K-5, 6-8 and 9-12 system in fall 2012. Students will get to visit the school they

will attend the next year and for students who are not changing schools, Kimball said they will get to visit their next year’s class-room. On the teacher-only day, teachers will visit their school as well and get a chance to work with their new teams and plan for the next year.

“That’s pretty important work,” Kimball said.

He added that when the new grade configuration comes, half of the high school student popu-lation in the district will be new to their school. At the middle school level, it will be two-thirds new students.

Other district employee groups including administrators and secretaries, whose salaries have also been cut, have taken similar money-saving measures such as giving up a number of vacation days.

Another way LWSD is saving money and avoiding layoffs is reducing staff through attrition, meaning as teachers resigned or retired at the end of the school year, their positions have remained unfilled.

This, however, will mean K-4 class sizes will increase slightly. District officials said student-teacher ratios will increase by roughly one student per class. Kindergarten and first-grade staffing will change from 19-to-1 to 20-to-1; second- and third-

grades will shift from 23.9-to-1 to 25-to-1; and fourth-grade will go from 25.12-to-1 to 26.75-to-1.

The proposed budget was first presented to the school board by business services coordinator Barbara Posthumus at the June 20 meeting. After the meeting, the budget was posted on the district’s website with an e-mail contact for public input, but Posthumus said they didn’t receive any e-mails from the public.

She added that in the weeks between the June meeting and Monday that there weren’t any major changes to the budget either. Posthumus said her team’s estimates on state revenue were off by about $20,000 when they received the final numbers. But when compared with an overall budget of $231.3 million, they just needed to do some minor tweaking.

“That’s a very small number,” Posthumus said.

She added that this adjust-ment did not affect any line items.

There was not much discus-sion about the budget during the board meeting, but it was because trustees have worked with and discussed the budget with Posthumus, Kimball and other district staff for months.

Pendergrass said the board has had several budget work ses-sions since January.

Redmond High School will have a variety of information regarding opening school activi-ties, procedures and events for incoming students on Aug. 22, 23 and 25.

Photographers will be on hand to take students’ pictures for iden-tification cards and yearbooks. All students are required to have a school ID card. Order forms to purchase photos are available at the school and online at www.lwsd.org/school/rhs.

Students can also buy As-sociated Student Body (ASB) insignias and yearbooks at the student store or bookkeeper’s of-fice. Parking permits for seniors and juniors may be purchased as well with proof of vehicle registration, driver’s license and no fines.

Any fines must be paid or cleared between Aug. 10 and 19 at the bookkeeping office between 8 a.m. to noon daily. No fine payments will be accepted on the three photo and informational days. Students must pay fines dur-ing summer hours or on the first day of school.

Locker assignments will be available near the attendance of-fice. Students may purchase new

Mustang apparel, spirit items and school supplies at the student store. The student store does not accept credit cards or ASB cards. A separate check made out to RHS or cash will be needed to buy items.

Seniors may pre-order their senior shirt Aug. 22 for $12.

One $88 check may be used to purchase an ASB insignia ($40) and annual ($48). Yearbooks purchased after Oct. 1 will be $53. Parking permits ($50) and fines must be on separate checks.

The first day of school, Sept. 6 from 7:30 a.m. to 2 p.m. is for sophomores only. All other stu-dents begin school on Sept. 7 from 7:30 a.m. to 12:30 p.m.

Each grade has been assigned a day and time.

Aug. 22: SeniorSA through K - 7:30 to 11 a.m.L through Z - 11 a.m. to 2 p.m.

Aug. 23: JuniorSA through K - 7:30 to 11 a.m.L through Z - 11 a.m. to 2 p.m.

Aug. 25: SophomoreSA through K - 7:30 to 11 a.m.L through Z - 11 a.m. to 2 p.m.

[ BUdGET from page 1 ] Redmond High to hold informational meetings for students Aug. 22, 23, 25

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