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	<title>Scalzo Zogby &#38; Wittig Inc.</title>
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	<link>http://szwinsurance.com</link>
	<description>Performance. Not Promises.</description>
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		<title>Oneida County Historical Society Telethon ~ April 18th</title>
		<link>http://szwinsurance.com/2012/02/17/oneida-county-historical-society-telethon-april-18th/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=oneida-county-historical-society-telethon-april-18th</link>
		<comments>http://szwinsurance.com/2012/02/17/oneida-county-historical-society-telethon-april-18th/#comments</comments>
		<pubDate>Fri, 17 Feb 2012 14:00:23 +0000</pubDate>
		<dc:creator>pattyt</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://szwinsurance.com/?p=438</guid>
		<description><![CDATA[Check this out - Gary Scalzo and Steve Zogby have been named honorary co-chairmen for the 6th Annual telethon for the Oneida County Historical Society to be held on April 18th this year.  Big surprise?  Not really!  These two gentlemen are always stepping up to the plate when asked to lend a helping hand.  If you [...]]]></description>
			<content:encoded><![CDATA[<p><span style="font-size: small">Check this out - <a href="http://romesentinel.com/news?newsid=20120215-142200">Gary Scalzo and Steve Zogby </a>have been named honorary co-chairmen for the 6<sup>th</sup> Annual telethon for the Oneida County Historical Society to be held on April 18<sup>th</sup> this year.  </span></p>
<p><span style="font-size: small">Big surprise?  Not really!  These two gentlemen are always stepping up to the plate when asked to lend a helping hand.  If you want to help Gary and Steve keep history alive in the Greater Mohawk Valley give them a call, they would be happy to hear from you.</span></p>
<p><span style="font-size: small">“The <a href="http://www.oneidacountyhistory.org/">Oneida County Historical Society</a> was founded in1876 and has served since that time to collect, preserve and make accessible the past heritage of Oneida County and the upper Mohawk River Valley”.  Won’t YOU help keep history alive?</span></p>
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		<title>Walk A Mile&#8230;</title>
		<link>http://szwinsurance.com/2012/02/02/walk-a-mile/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=walk-a-mile</link>
		<comments>http://szwinsurance.com/2012/02/02/walk-a-mile/#comments</comments>
		<pubDate>Thu, 02 Feb 2012 18:38:20 +0000</pubDate>
		<dc:creator>pattyt</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://szwinsurance.com/?p=428</guid>
		<description><![CDATA[A new annual event for the Utica area is being launched this Saturday, Feb 4th at 11:00 a.m. at Hanna Park in Downtown Utica.  The event is to be a one mile winter walk to help raise awareness and funds for the Rescue Mission of Utica, a local not-for-profit organization which caters to the area&#8217;s homeless, as [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://szwinsurance.com/files/2012/02/walkamile.jpg"><img class="aligncenter size-medium wp-image-429" src="http://szwinsurance.com/files/2012/02/walkamile-208x300.jpg" alt="" width="208" height="300" /></a></p>
<p>A new annual event for the Utica area is being launched this Saturday, Feb 4th at 11:00 a.m. at Hanna Park in Downtown Utica.  The event is to be a one mile winter walk to help raise awareness and funds for the Rescue Mission of Utica, a local not-for-profit organization which caters to the area&#8217;s homeless, as well as offering other services to a growing population of people needing support services in this down economic time.</p>
<p>Scalzo, Zogby &amp; Wittig&#8217;s own Matt Briggs is on the planning committee for the event, as part of a project the team donated to the Rescue Mission of Utica through the <a href="http://leadershipmohawkvalley.net/">Leadership Mohawk Valley</a> program.   The event should be lively with DJ&#8217;s from various local radio stations including Kiss FM and BUG Country FM, a soup line catered by <a href="www.symeons.com">Symeon’s</a> after the walk, and other fun and games along with the walk itself.</p>
<p>Please join us as we help the Rescue Mission of Utica and more importantly, those who need our help in this time of need, to usher in this great new event to the greater Utica area and the Mohawk Valley.</p>
<p>Information on the event can be found on the web at <a href="http://szwinsurance.com//www.uticamission.org/Display.asp?Page=WalkAMile">uticamission.org</a>  or call 315-735-1645.</p>
<p style="text-align: center">
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		<title>Change is Good.  Right?</title>
		<link>http://szwinsurance.com/2012/01/17/change-is-good-right/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=change-is-good-right</link>
		<comments>http://szwinsurance.com/2012/01/17/change-is-good-right/#comments</comments>
		<pubDate>Tue, 17 Jan 2012 19:51:20 +0000</pubDate>
		<dc:creator>pattyt</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://szwinsurance.com/?p=422</guid>
		<description><![CDATA[In our case it is.  We just went live with a new phone system and we all have new extension numbers.  Please check out our About Us tab and choose The Team option; you will see our new 4 digit extensions.   You still call us at (315) 792-0000, but instead of 2 numbers the ‘voice [...]]]></description>
			<content:encoded><![CDATA[<p>In our case it is.  We just went live with a new phone system and we all have new extension numbers.  Please check out our <a href="http://szwinsurance.com/about-us/">About Us</a> tab and choose <a href="http://szwinsurance.com/about-us/the-team/">The Team </a>option; you will see our new 4 digit extensions.   You still call us at (315) 792-0000, but instead of 2 numbers the ‘voice of Wendy’ will ask for 4.  You will have the option to search by last name by pressing the #, or pound key, or stay on the line for assistance.  Also, if you prefer to direct dial one of us, dial 272 and our 4 digit extension.</p>
<p>While there is always a learning curve when adding new technology, <span style="text-decoration: underline"><a href="http://northland.net/">Northland Communications</a> </span>made it easy with their hands on approach.</p>
<p>Thank you to Stacey Maier and Jay MacLean, Jr. of Northland, for allowing us to continue our focus on <em>our</em> customers while learning something new.</p>
<p>&#8230;.your SZW Team</p>
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		<title>Your Roof and Snow Loading</title>
		<link>http://szwinsurance.com/2012/01/05/your-roof-and-snow-loading/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=your-roof-and-snow-loading</link>
		<comments>http://szwinsurance.com/2012/01/05/your-roof-and-snow-loading/#comments</comments>
		<pubDate>Thu, 05 Jan 2012 19:30:57 +0000</pubDate>
		<dc:creator>pattyt</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://szwinsurance.com/?p=412</guid>
		<description><![CDATA[How much snow is too much for my roof?   When do I need to make plans to have it removed?   If you&#8217;re asking yourself these questions now, you&#8217;re behind the curve already.   To help you catch up, one of our insurance companies, Peerless Insurance® has developed a new 6-Minute Safety Short on Roof Snow Loading [...]]]></description>
			<content:encoded><![CDATA[<p>How much snow is too much for my roof?   When do I need to make plans to have it removed?   If you&#8217;re asking yourself these questions now, you&#8217;re behind the curve already.   To help you catch up, one of our insurance companies, Peerless Insurance® has developed a new 6-Minute Safety Short on <a href="https://www.brainshark.com/libertymutual/vu?pi=zGOzmcgAEz1CKHz0&amp;intk=581965353" target="_blank">Roof Snow Loading</a> .   This short presentation covers the challenges with snow loading on various types of roofs as well as a guide for when to remove different types of snow based on your roof design.</p>
<p>&#8230;..your SZW Team</p>
<p>&nbsp;</p>
]]></content:encoded>
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		<title>Happy New Year!</title>
		<link>http://szwinsurance.com/2011/12/30/happy-new-year/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=happy-new-year</link>
		<comments>http://szwinsurance.com/2011/12/30/happy-new-year/#comments</comments>
		<pubDate>Fri, 30 Dec 2011 19:48:54 +0000</pubDate>
		<dc:creator>pattyt</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://szwinsurance.com/?p=403</guid>
		<description><![CDATA[&#160;   Isn’t that what everyone says once the clock strikes 12 midnight on December 31st?  Oh wait, that’s considered January 1st, isn’t it? Either way, that’s what we at Scalzo, Zogby &#38; Wittig, Inc. are saying to all our family and friends, customers and acquaintances.  We want to wish everyone a happy, healthy and [...]]]></description>
			<content:encoded><![CDATA[<p>&nbsp;</p>
<p style="text-align: center"> </p>
<p>Isn’t that what everyone says once the clock strikes 12 midnight on December 31<sup>st</sup>?  Oh wait, that’s considered January 1<sup>st</sup>, isn’t it?</p>
<p>Either way, that’s what we at Scalzo, Zogby &amp; Wittig, Inc. are saying to all our family and friends, customers and acquaintances.  We want to wish everyone a happy, healthy and prosperous 2012 and beyond.</p>
<p>Your SZW Team</p>
]]></content:encoded>
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		<title>Check Out the Wonderland of Lights</title>
		<link>http://szwinsurance.com/2011/12/16/check-out-the-wonderland-of-lights/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=check-out-the-wonderland-of-lights</link>
		<comments>http://szwinsurance.com/2011/12/16/check-out-the-wonderland-of-lights/#comments</comments>
		<pubDate>Fri, 16 Dec 2011 19:13:42 +0000</pubDate>
		<dc:creator>pattyt</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://szwinsurance.com/?p=396</guid>
		<description><![CDATA[If we’re all lucky enough we may just get all our Christmas shopping done before the snow flies.  I know, what’s Christmas without trudging through all that snow?  Well, many of us agree that it can snow the morning of Christmas, right?  That way most of us will be home from the Christmas Eve festivities [...]]]></description>
			<content:encoded><![CDATA[<p>If we’re all lucky enough we may just get all our Christmas shopping done before the snow flies.  I know, what’s Christmas without trudging through all that snow?  Well, many of us agree that it can snow the morning of Christmas, right?  That way most of us will be home from the Christmas Eve festivities without having to shovel our way back into our driveways, carrying not only our sleeping children, but the gifts Grandma and Grandpa showered upon them.</p>
<p>If you want to catch your breath and slow the family down a little, visit the <a href="http://www.wonderlandoflights.org/index.htm">Wonderland of Lights</a> at the Masonic Care Community Campus.  The Resource Center for Independent Living (<a href="http://www.rcil.com/">RCIL</a>) is celebrating their 10<sup>th</sup> Anniversary of this event.  It runs now through January 1<sup>st</sup>, from 5:30 – 9:00 pm every night.  Click on the Wonderland of Lights link for more information.</p>
<p>Let your light shine on!</p>
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		<title>When the Snow Flies, the Snowmobiles Come out.  Here Are Some Tips to Follow:</title>
		<link>http://szwinsurance.com/2011/12/02/when-the-snow-flies-the-snowmobiles-come-out-here-are-some-tips-to-follow/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=when-the-snow-flies-the-snowmobiles-come-out-here-are-some-tips-to-follow</link>
		<comments>http://szwinsurance.com/2011/12/02/when-the-snow-flies-the-snowmobiles-come-out-here-are-some-tips-to-follow/#comments</comments>
		<pubDate>Fri, 02 Dec 2011 15:25:57 +0000</pubDate>
		<dc:creator>pattyt</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://szwinsurance.com/?p=391</guid>
		<description><![CDATA[Well, we all appear to have made it through the 1st leg of the holidays, and hopefully survived Black Friday, Cyber Monday&#8230;.you get the idea.  Since we’re all hoping for a white Christmas, our very own Donna Moulton has written some safety tips for those ‘chomping-at-the-bit’ to get out and ride. Tips for a safe [...]]]></description>
			<content:encoded><![CDATA[<p><span style="font-size: small">Well, we all appear to have made it through the 1<sup>st</sup> leg of the holidays, and hopefully survived Black Friday, Cyber Monday&#8230;.you get the idea.  </span></p>
<p><span style="font-size: small">Since we’re all hoping for a white Christmas, our very own Donna Moulton has written some safety tips for those ‘chomping-at-the-bit’ to get out and ride.</span></p>
<p><span style="text-decoration: underline"><span style="font-size: small">Tips for a safe Snowmobile season: </span></span></p>
<p><span style="font-size: small">Be a defensive driver, always be alert and aware of your surroundings, do all that you can to ensure your safety and that of other riders, never assume what the other snowmobile will do.</span></p>
<p><span style="font-size: small">Watch out for:  Thin ice and open water, oncoming snowmobiles, unexpected corners, road and railway crossings, bridges, snow banks and drifting snow, tree and branches on the trail, wildlife and other trail users (skiers and </span><span style="font-size: small">hikers).</span></p>
<p><span style="font-size: small">Most important do not drink and ride.  Snowmobiling requires alertness, caution and attention.  Your reaction time and ability to control your sled can be affected after consuming even a small amount of alcohol.  Alcohol has been shown to be a contributing factor in most fatal snowmobile accidents.</span><span style="font-size: small"> </span></p>
<p><span style="font-size: small">Be prepared if your sled breaks down.  Wear layers of clothing; wear outer clothing with reflective trim on the arms and the back of your helmet; never ride alone at night, and be certain that all the lights on your snowmobile are operational.</span></p>
<p><span style="font-size: small">Also know that there is insurance you can buy to cover your snowmobile for physical damage, as well as liability.</span></p>
<p><span style="font-size: small">Happy Snowmobiling!</span></p>
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		<title>Fire Up Those Wood Stoves…….But Do So Safely!</title>
		<link>http://szwinsurance.com/2011/11/17/fire-up-those-wood-stoves%e2%80%a6%e2%80%a6-but-do-so-safely/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=fire-up-those-wood-stoves%25e2%2580%25a6%25e2%2580%25a6-but-do-so-safely</link>
		<comments>http://szwinsurance.com/2011/11/17/fire-up-those-wood-stoves%e2%80%a6%e2%80%a6-but-do-so-safely/#comments</comments>
		<pubDate>Thu, 17 Nov 2011 18:50:50 +0000</pubDate>
		<dc:creator>pattyt</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://szwinsurance.com/?p=383</guid>
		<description><![CDATA[Heating with wood can be safe and economical, but unlike a modern, central heating system, stoves and fireplaces require careful installation and constant vigilance.  In the interest of saving lives and property, we urge you to take the following precautions:  Have chimneys, stoves and connectors cleaned by a competent chimney sweep. Have stoves inspected for [...]]]></description>
			<content:encoded><![CDATA[<p>Heating with wood can be safe and economical, but unlike a modern, central heating system, stoves and fireplaces require careful installation and constant vigilance.  In the interest of saving lives and property, we urge you to take the following precautions: </p>
<ol>
<li>Have chimneys, stoves and connectors cleaned by a competent chimney sweep.</li>
<li>Have stoves inspected for proper installation and clearances.  Most towns require an inspection by the building inspector or fire department before issuing a building permit for a wood stove.</li>
<li>Burn only dry, seasoned hardwood.  Never burn trash or artificial logs in a wood stove, or use liquid fire starters.</li>
<li>Keep all combustible material (rugs, fabrics, furnishings, wood, paper) at least three (3) feet from the stove and connector pipes.</li>
<li>Dispose of ashes only in a metal container with a tight fitting lid.  Never set the container down on combustible material.</li>
<li>Keep a fire extinguisher handy at all times.</li>
<li>Never leave a fire in the fireplace unattended.</li>
</ol>
<p>Stay warm and stay safe! </p>
<p>Your SZW Team<img class="size-thumbnail wp-image-387 aligncenter" src="http://szwinsurance.com/files/2011/11/woodstove1-150x150.jpg" alt="" width="150" height="150" /></p>
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		<title>Winter Driving Tips&#8230;</title>
		<link>http://szwinsurance.com/2011/11/07/winter-driving-tips/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=winter-driving-tips</link>
		<comments>http://szwinsurance.com/2011/11/07/winter-driving-tips/#comments</comments>
		<pubDate>Mon, 07 Nov 2011 16:25:44 +0000</pubDate>
		<dc:creator>pattyt</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://szwinsurance.com/?p=377</guid>
		<description><![CDATA[Prepare for winter driving before a storm hits: Have a mechanic check your car’s battery, brakes, fluid levels (antifreeze, windshield washer fluid and oil) as well as heating and exhaust systems to ensure that your car is in good, safe working condition.  Try to keep your gas tank full during the winter months.  Don’t allow [...]]]></description>
			<content:encoded><![CDATA[<p><strong>Prepare for winter driving <em>before</em> a storm hits:</strong></p>
<ul>
<li>Have a <strong>mechanic</strong> check your car’s battery, brakes, fluid levels (antifreeze, windshield washer fluid and oil) as well as heating and exhaust systems to ensure that your car is in good, safe working condition. </li>
<li>Try to keep your <strong>gas tank full</strong> during the winter months.  Don’t allow the gas to go below half a tank.  Not only will this prevent damage from freezing, you’ll avoid running out of gas if you’re stuck in a traffic jam during the dead of winter.</li>
<li>Install <strong>snow tires</strong> or all-weather radials with adequate treads.</li>
<li>An adequate supply of <strong>windshield washing fluid </strong>is critical to wash away the mud and melted snow that can severely limit visibility.</li>
<li><strong>Prepare for an emergency.</strong>  Keep blankets, flares, a sack of sand for traction, shovel, windshield scraper and brush, tool kit, towrope, booster cables and a flashlight with extra batteries in your trunk.  You should also stock your car with material for survival, such as waterproof matches to melt snow for drinking water, a first aid kit, dry clothing and a brightly colored cloth (to tie to the antenna). </li>
</ul>
<p><strong>When driving under adverse weather conditions:</strong></p>
<ul>
<li><strong>Take care pulling out of streets</strong> blocked by mountains of show.  It’s often difficult to see who or what is coming.</li>
<li>Back your car into the driveway so you have <strong>better vision</strong> when pulling out.</li>
<li>Be aware of <strong>joggers</strong> on the street.  Often sidewalks are impassable and die-hard joggers venture onto the street for a clearer path.  Unfortunately, they may not see icy spots or other hazards hidden below the slush.</li>
<li>Don’t turn <strong>corners</strong> too tightly.</li>
<li>If your car <strong><em>does not</em> have anti-lock brakes</strong> and you start skidding on the ice, try not to slam on your brakes.  Gently pump your brakes to maintain better control and prevent your wheels from locking.</li>
<li>If your car <em>does</em> have <strong>anti-lock brakes</strong>, slam on your brakes when skidding on the ice.  Pumping your brakes prevents the anti-lock system from taking over.</li>
</ul>
<p><strong>Traveling during a severe storm:</strong></p>
<p>Travel only if necessary during a blizzard or sever storm.  If you must travel:</p>
<ul>
<li><strong>Don’t travel alone.  </strong>Notify someone of our estimated time of arrivals as well as your primary and alternate travel routs.</li>
<li><strong>If STUCK,</strong> stay in the car and wait for help.  Run the engine and heater sparingly.  Also make sure your exhaust pipe is clear of snow and ventilate your car so that carbon monoxide fumes won’t poison you.</li>
<li><strong>Keep your energy.  </strong>East food that provides the body with energy for producing its own heat.  Replenish your body with fluids to prevent dehydration.  Don’t eat snow; it will lower your body temperature.  Melt it first.</li>
</ul>
<p>~ Your SZW Team ~</p>
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		<title>Gary Scalzo Helps to Keep the Chamber Wheels Turning</title>
		<link>http://szwinsurance.com/2011/10/25/gary-scalzo-helps-to-keep-the-chamber-wheels-turning/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=gary-scalzo-helps-to-keep-the-chamber-wheels-turning</link>
		<comments>http://szwinsurance.com/2011/10/25/gary-scalzo-helps-to-keep-the-chamber-wheels-turning/#comments</comments>
		<pubDate>Tue, 25 Oct 2011 15:24:26 +0000</pubDate>
		<dc:creator>pattyt</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://szwinsurance.com/?p=366</guid>
		<description><![CDATA[Once again, Gary Scalzo joins the Mohawk Valley Chamber of Commerce’s Board of Directors.   Always willing to give back to the community he grew up in, Gary works with the other members of the Chamber to encourage businesses to grow and prosper in the Mohawk Valley.   Thank you, Gary! Want to know more about the Chamber?  [...]]]></description>
			<content:encoded><![CDATA[<p>Once again, Gary Scalzo joins the <a href="http://www.mvchamber.org/documents/282.pdf">Mohawk Valley Chamber</a> of Commerce’s Board of Directors.   Always willing to give back to the community he grew up in, Gary works with the other members of the Chamber to encourage businesses to grow and prosper in the Mohawk Valley.   Thank you, Gary!</p>
<p>Want to know more about the Chamber?  Get involved?  Check out their <a href="http://mvchamber.org/">site</a>.</p>
<p>~ The SZW  team ~ </p>
<p>&nbsp;</p>
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