<?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>WGA InsureBlog &#187; Bruce MacDougall</title>
	<atom:link href="http://blog.wgains.com/author/rbmacdougall/feed/" rel="self" type="application/rss+xml" />
	<link>http://blog.wgains.com</link>
	<description></description>
	<lastBuildDate>Fri, 03 Feb 2012 18:21:21 +0000</lastBuildDate>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.com/</generator>
<cloud domain='blog.wgains.com' port='80' path='/?rsscloud=notify' registerProcedure='' protocol='http-post' />
<image>
		<url>http://s2.wp.com/i/buttonw-com.png</url>
		<title>WGA InsureBlog &#187; Bruce MacDougall</title>
		<link>http://blog.wgains.com</link>
	</image>
	<atom:link rel="search" type="application/opensearchdescription+xml" href="http://blog.wgains.com/osd.xml" title="WGA InsureBlog" />
	<atom:link rel='hub' href='http://blog.wgains.com/?pushpress=hub'/>
		<item>
		<title>Why not to pay cash when buying a house</title>
		<link>http://blog.wgains.com/2011/12/07/why-not-to-pay-cash-when-buying-a-house/</link>
		<comments>http://blog.wgains.com/2011/12/07/why-not-to-pay-cash-when-buying-a-house/#comments</comments>
		<pubDate>Wed, 07 Dec 2011 15:14:58 +0000</pubDate>
		<dc:creator>Bruce MacDougall</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[managing financial risk]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[personal risk manageme]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=3413</guid>
		<description><![CDATA[The U.S. federal tax code makes financing a mortgage exceptionally cheap, so you can go and find better things to do with your cash than using it to avoid taking out a mortgage. To pay cash for a house may seem like a conservative option, but as it turns out it can be risky since it [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=3413&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://blog.wgains.com/2011/12/07/why-not-to-pay-cash-when-buying-a-house/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="" medium="image">
			<media:title type="html">rbmacdougall</media:title>
		</media:content>

		<media:content url="http://wgains.files.wordpress.com/2011/12/cash.jpg" medium="image">
			<media:title type="html">cash</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/authors/BruceMacdougall.jpg" medium="image" />
	</item>
		<item>
		<title>A few things to consider when buying Excess/Umbrella</title>
		<link>http://blog.wgains.com/2011/11/15/a-few-things-to-consider-when-buying-excessumbrella/</link>
		<comments>http://blog.wgains.com/2011/11/15/a-few-things-to-consider-when-buying-excessumbrella/#comments</comments>
		<pubDate>Tue, 15 Nov 2011 17:19:18 +0000</pubDate>
		<dc:creator>Bruce MacDougall</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[Excess Liability]]></category>
		<category><![CDATA[Umbrella]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=3302</guid>
		<description><![CDATA[The Umbrella policy, and its counterpart the Personal Excess Liability, act as protective and additional coverage limits over all other liability personal liability coverage’s such as auto, homes, boats and ATV’s. Both offer an added layer of protection, but there are some significant differences to consider when purchasing these products. An Umbrella is often a [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=3302&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://blog.wgains.com/2011/11/15/a-few-things-to-consider-when-buying-excessumbrella/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="" medium="image">
			<media:title type="html">rbmacdougall</media:title>
		</media:content>

		<media:content url="http://wgains.files.wordpress.com/2011/10/umbrella.jpg" medium="image">
			<media:title type="html">umbrella</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/authors/BruceMacdougall.jpg" medium="image" />
	</item>
		<item>
		<title>Post-hurricane, what will insurance cover?</title>
		<link>http://blog.wgains.com/2011/08/30/post-hurricane-what-will-insurance-cover/</link>
		<comments>http://blog.wgains.com/2011/08/30/post-hurricane-what-will-insurance-cover/#comments</comments>
		<pubDate>Tue, 30 Aug 2011 18:22:18 +0000</pubDate>
		<dc:creator>Bruce MacDougall</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[clai]]></category>
		<category><![CDATA[claims]]></category>
		<category><![CDATA[homeowners insurance]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=3041</guid>
		<description><![CDATA[As thousands of residents on the East Coast cope with damage caused by Hurricane Irene, we thought it would be a good time for a reminder of what is covered and not by a standard homeowners insurance policy, generally known as an HO3. The vast majority of the estimated losses from this week&#8217;s storm are [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=3041&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://blog.wgains.com/2011/08/30/post-hurricane-what-will-insurance-cover/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
	
		<media:content url="" medium="image">
			<media:title type="html">rbmacdougall</media:title>
		</media:content>

		<media:content url="http://wgains.files.wordpress.com/2011/08/hurricaneirene.jpg" medium="image">
			<media:title type="html">hurricaneirene</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/authors/BruceMacdougall.jpg" medium="image" />
	</item>
		<item>
		<title>Limiting your liability when you own a vacation home is smart risk management</title>
		<link>http://blog.wgains.com/2011/07/19/limiting-your-liability-when-you-own-a-vacation-home-is-smart-risk-management/</link>
		<comments>http://blog.wgains.com/2011/07/19/limiting-your-liability-when-you-own-a-vacation-home-is-smart-risk-management/#comments</comments>
		<pubDate>Tue, 19 Jul 2011 19:39:33 +0000</pubDate>
		<dc:creator>Bruce MacDougall</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[homeowners]]></category>
		<category><![CDATA[limiting liability]]></category>
		<category><![CDATA[vacation home protection]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=2875</guid>
		<description><![CDATA[Summer is here, and many of us are heading off to a much anticipated vacation. But before we do, we&#8217;d like to share a few helpful tips on limiting your liabilty and protecting your family. If you are lucky enough to own your own vacation home, you may want to consider setting up a Limited [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=2875&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://blog.wgains.com/2011/07/19/limiting-your-liability-when-you-own-a-vacation-home-is-smart-risk-management/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
	
		<media:content url="" medium="image">
			<media:title type="html">rbmacdougall</media:title>
		</media:content>

		<media:content url="http://wgains.files.wordpress.com/2011/07/porch.png" medium="image">
			<media:title type="html">porch</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/authors/BruceMacdougall.jpg" medium="image" />
	</item>
		<item>
		<title>California Assembly Bill 1871 leads to more ride sharing</title>
		<link>http://blog.wgains.com/2011/05/09/california-assembly-bill-1871-leads-to-more-ride-sharing/</link>
		<comments>http://blog.wgains.com/2011/05/09/california-assembly-bill-1871-leads-to-more-ride-sharing/#comments</comments>
		<pubDate>Mon, 09 May 2011 19:44:20 +0000</pubDate>
		<dc:creator>Bruce MacDougall</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[automobile insurance]]></category>
		<category><![CDATA[California Assembly Bill 1871]]></category>
		<category><![CDATA[personal liability]]></category>
		<category><![CDATA[Personal Vehicle Sharing Program]]></category>
		<category><![CDATA[ride share]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=2520</guid>
		<description><![CDATA[Traditionally, state insurance regulations have prohibited automobile owners from renting their personal vehicles to others unless the car is classified as a livery or “for-hire” vehicle.  Earlier this year, California became the first state in the country to enact a law, Assembly Bill 1871, designed to facilitate personal vehicle sharing arrangements.  This legislation comes at a time where there is [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=2520&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://blog.wgains.com/2011/05/09/california-assembly-bill-1871-leads-to-more-ride-sharing/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
	
		<media:content url="" medium="image">
			<media:title type="html">rbmacdougall</media:title>
		</media:content>

		<media:content url="http://wgains.files.wordpress.com/2011/05/car.jpg" medium="image">
			<media:title type="html">car</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/share.png" medium="image">
			<media:title type="html">Share</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/linkedin.png" medium="image">
			<media:title type="html">share on linkedin</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/twitter.png" medium="image">
			<media:title type="html">twitter</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/email.png" medium="image">
			<media:title type="html">Share on Email</media:title>
		</media:content>
	</item>
		<item>
		<title>Kidnap &amp; Ransom Insurance coverage needed now more than ever</title>
		<link>http://blog.wgains.com/2011/04/29/kidnap-ransom-insurance-coverage-needed-now-more-than-ever/</link>
		<comments>http://blog.wgains.com/2011/04/29/kidnap-ransom-insurance-coverage-needed-now-more-than-ever/#comments</comments>
		<pubDate>Fri, 29 Apr 2011 09:08:29 +0000</pubDate>
		<dc:creator>Bruce MacDougall</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[Extortion]]></category>
		<category><![CDATA[K&R]]></category>
		<category><![CDATA[kidnap & ransom coverage]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=2462</guid>
		<description><![CDATA[There has been an incredible increase in political and economic unrest which has caused a serious jump in kidnappings worldwide. The targets of these kidnapping has also expanded beyond executives and multinationals, and now includes students and non-profit workers as well. Studies by the State Department report over 20,000 kidnapping for ransom annually worldwide, and 48% [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=2462&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://blog.wgains.com/2011/04/29/kidnap-ransom-insurance-coverage-needed-now-more-than-ever/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="" medium="image">
			<media:title type="html">rbmacdougall</media:title>
		</media:content>

		<media:content url="http://wgains.files.wordpress.com/2011/04/kidnapped.jpg" medium="image">
			<media:title type="html">kidnapped</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/share.png" medium="image">
			<media:title type="html">Share</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/linkedin.png" medium="image">
			<media:title type="html">share on linkedin</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/twitter.png" medium="image">
			<media:title type="html">twitter</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/email.png" medium="image">
			<media:title type="html">Share on Email</media:title>
		</media:content>
	</item>
		<item>
		<title>The potentialities of FEMA&#8217;s flood map revamp</title>
		<link>http://blog.wgains.com/2011/03/28/the-potentialities-of-femas-new-flood-map-revamp/</link>
		<comments>http://blog.wgains.com/2011/03/28/the-potentialities-of-femas-new-flood-map-revamp/#comments</comments>
		<pubDate>Mon, 28 Mar 2011 20:54:32 +0000</pubDate>
		<dc:creator>Bruce MacDougall</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[Flood Insurance]]></category>
		<category><![CDATA[personal risk management]]></category>
		<category><![CDATA[Property]]></category>
		<category><![CDATA[risk management]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=2328</guid>
		<description><![CDATA[In 2009 Congress appropriated $220 million to FEMA for a program called Risk Mapping, Assessment and Planning (Risk MAP), a comprehensive 5-year plan to vastly improve the accuracy and quality of National Flood Insurance Program maps. The plan is designed to bring wider risk mitigation while incorporating risk separation tools and techniques to flood prone areas with maximum [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=2328&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://blog.wgains.com/2011/03/28/the-potentialities-of-femas-new-flood-map-revamp/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="" medium="image">
			<media:title type="html">rbmacdougall</media:title>
		</media:content>

		<media:content url="http://wgains.files.wordpress.com/2011/03/flood1.png" medium="image">
			<media:title type="html">flood</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/share.png" medium="image">
			<media:title type="html">Share</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/linkedin.png" medium="image">
			<media:title type="html">share on linkedin</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/twitter.png" medium="image">
			<media:title type="html">twitter</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/email.png" medium="image">
			<media:title type="html">Share on Email</media:title>
		</media:content>
	</item>
		<item>
		<title>A word to the wise when writing online</title>
		<link>http://blog.wgains.com/2011/01/03/a-word-to-the-wise-when-writing-online/</link>
		<comments>http://blog.wgains.com/2011/01/03/a-word-to-the-wise-when-writing-online/#comments</comments>
		<pubDate>Mon, 03 Jan 2011 19:00:58 +0000</pubDate>
		<dc:creator>Bruce MacDougall</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=1859</guid>
		<description><![CDATA[The internet provides a wealth of opportunity to access endless amounts of information as well as instantaneously express our thoughts and opinions. It is really quite exciting and offers endless possibilities to broadcast items to a large audience with relative ease. Unfortunately as with all opportunities and new vistas, there are some risks. The power to [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=1859&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://blog.wgains.com/2011/01/03/a-word-to-the-wise-when-writing-online/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="" medium="image">
			<media:title type="html">rbmacdougall</media:title>
		</media:content>

		<media:content url="http://wgains.files.wordpress.com/2010/12/keyboard.jpg?w=150" medium="image">
			<media:title type="html">keyboard</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/share.png" medium="image">
			<media:title type="html">Share</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/linkedin.png" medium="image">
			<media:title type="html">share on linkedin</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/twitter.png" medium="image">
			<media:title type="html">twitter</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/email.png" medium="image">
			<media:title type="html">Share on Email</media:title>
		</media:content>
	</item>
		<item>
		<title>Taking inventory &#8211; organizing and protecting what you own</title>
		<link>http://blog.wgains.com/2010/12/09/taking-inventory-organizing-and-protecting-what-you-own/</link>
		<comments>http://blog.wgains.com/2010/12/09/taking-inventory-organizing-and-protecting-what-you-own/#comments</comments>
		<pubDate>Thu, 09 Dec 2010 16:36:43 +0000</pubDate>
		<dc:creator>Bruce MacDougall</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[appraisals]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[inventory management]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=1793</guid>
		<description><![CDATA[Year-end seems like an an opportune time to offer some thoughts on how to catalogue and inventory items that are valuable to you. Given the potential increase during the Holidays to what you own, perhaps 2011 maybe a good year to get a handle on all your valuable belongings. Why? Knowing exactly what you own, the [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=1793&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://blog.wgains.com/2010/12/09/taking-inventory-organizing-and-protecting-what-you-own/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="" medium="image">
			<media:title type="html">rbmacdougall</media:title>
		</media:content>

		<media:content url="http://wgains.files.wordpress.com/2010/12/antique.jpg?w=150" medium="image">
			<media:title type="html">antique</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/share.png" medium="image">
			<media:title type="html">Share</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/linkedin.png" medium="image">
			<media:title type="html">share on linkedin</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/twitter.png" medium="image">
			<media:title type="html">twitter</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/email.png" medium="image">
			<media:title type="html">Share on Email</media:title>
		</media:content>
	</item>
		<item>
		<title>New law aimed at safer driving in Mass effective today</title>
		<link>http://blog.wgains.com/2010/09/30/new-law-aimed-at-safer-driving-in-mass-effective-today/</link>
		<comments>http://blog.wgains.com/2010/09/30/new-law-aimed-at-safer-driving-in-mass-effective-today/#comments</comments>
		<pubDate>Thu, 30 Sep 2010 08:11:48 +0000</pubDate>
		<dc:creator>Bruce MacDougall</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=1450</guid>
		<description><![CDATA[As you may be aware, The Safe Driving Law becomes effective in Massachusetts today. The law has a number of components with the major distinctions being: All junior drivers, under 18, may not use cell phones while they drive at all. Text messaging for all drivers in Massachusetts is also no longer legal and has a [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=1450&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://blog.wgains.com/2010/09/30/new-law-aimed-at-safer-driving-in-mass-effective-today/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="" medium="image">
			<media:title type="html">rbmacdougall</media:title>
		</media:content>
	</item>
	</channel>
</rss>
