http://www.kjhins.com/blog/View Kirkpatrick Jones and Herzog Insurance's Website Blogen-uspostmaster@www.kjhins.comInsurance Website Builder - www.insurancewebsitebuilder.comurn:uuid:c95bda81-2727-48a3-899a-20dd831966edurn:uuid:1bd1ac0a-0d11-4f91-b833-2eef9e7b9c30<img src='http://www.insurancewebsitebuilder.com/img/~www.kjhins.com/car%20blog%201.jpg' align='left' />Cheap Car Insurance is an incredibly popular search term for people looking for car insurance, and that make sense--who wouldn&rsquo;t want to pay less money for insurance. &nbsp; However, much scarier than paying too much for insurance is not havin...Mon, 12 Dec 2011 08:08:40 -0600<div style="background-color: transparent;"><span style="font-size: 18px;">Cheap Car Insurance is an incredibly popular search term for people looking for car insurance, and that make sense--who wouldn&rsquo;t want to pay less money for insurance. &nbsp;<br /> <br /> However, much scarier than paying too much for insurance is not having enough coverage.The biggest risk when you get into a car accident is not&nbsp;that you would total your car. The biggest risk is your liability risk. What would happen if one day it is snowing and icy, and your car slams into another car? <br /> <br /> <a href="http://www.flickr.com/photos/34120957@N04/3446248475/"><img alt="" style="width: 382px; height: 252px; float: right;" src="http://www.insurancewebsitebuilder.com/img/~www.kjhins.com/car%20blog%201.jpg"></img></a>What if you hurt someone seriously and they have &nbsp;lots of medical bills and you don&rsquo;t have enough coverage. What would you do? Not only would you feel really bad but &nbsp;there could be massive medical bills to pay. <br /> <br /> What if they can&rsquo;t work for months? What would happen if they died? Whose lawyer do you want defending you? Your lawyer that you get to pay for, or the one the insurance company hires because it is their money.<br /> <br /> <br /> What would happen if it was the reverse? You get hit by someone who does not have enough insurance coverage and you have medical bills and you are out of work? Do you have uninsured or underinsured coverage? Do you have enough?<br /> <br /> One of the reasons I love being an independent insurance agent is that I can shop for my clients, getting them the best coverage with the best companies for the best price. I love it when I can save client&rsquo;s money and get them better coverage with good companies. <br /> <br /> No one wants to pay too much for insurance, but that is much better than paying too little for insurance now and paying way too much later.&nbsp;</span>&nbsp;<br /> <br /> <br /> <span style="font-size: 18px;">Rachel Bloomberg<br /> </span> <p class="TextAlignCenter"><strong class="username" id="yui_3_3_0_3_13134134245811668">&nbsp;Photo By&nbsp; <a href="http://www.flickr.com/photos/proimos/">Alex E. Proimos</a></strong></p> <ul class="icon-inline sidecar-list" id="yui_3_3_0_3_13134135345561777" style="color: #ffffff; font-size: 9pt; text-decoration: none;"><strong class="username" id="yui_3_3_0_3_13134134245811668"> <li class="Stats license" id="yui_3_3_0_3_13134135345561778"><a href="http://creativecommons.org/licenses/by/2.0/" style="color: #4bf1ff; font-size: 9pt; text-decoration: underline;"><img title="Attribution" class="f-sprite fs-cc_icon_attribution_small" style="border-width: 0px; border-style: solid;" alt="Attribution" src="http://l.yimg.com/g/images/spaceout.gif"></img></a>&nbsp;<a href="http://creativecommons.org/licenses/by/2.0/deed.en" style="color: #4bf1ff; font-size: 9pt; text-decoration: underline;" rel="license cc:license">Some rights reserved</a></li> </strong></ul> <strong class="username" id="yui_3_3_0_3_13134134245811668"></strong> <p class="p1">available under a&nbsp;<a href="http://creativecommons.org/licenses/by/2.0/deed.en" style="color: #4bf1ff; font-size: 9pt; text-decoration: underline;">Creative Commons Attribution license</a>.</p> <p>&nbsp;</p> <br style="color: #000000; text-transform: none; letter-spacing: normal; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; background-color: #303030; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px;" /> </div>urn:uuid:f5df7a4c-2fe2-4a33-917d-f1010e674bae<img src='http://www.kjhins.com/img/~www.kjhins.com/chair .jpg' align='left' />Many Americans own valuable antiques, which are often inadequately insured under a standard homeowners policy. Homeowners policies may contain restrictive limits and coverage for these valuable items, and the valuation may only be provided on an actu...Mon, 19 Sep 2011 12:26:24 -0500<p class="p1">Many Americans own valuable antiques, which are often inadequately insured under a standard homeowners policy. Homeowners policies may contain restrictive limits and coverage for these valuable items, and the valuation may only be provided on an actual cash value basis. Even if the personal property replacement cost endorsement is added to a homeowners policy, the endorsement explicitly lists antiques, fine arts, paintings, and memorabilia as ineligible properties. Coverage is also restricted to a limited number of perils. For example, the homeowners policy does not provide any personal property coverage for breakage or accidental scratching. If you possess extensive and valuable antiques or fine arts, the following tips may prove helpful.<br /> <br /> <br /> <img alt="" src="/img/~www.kjhins.com/chair .jpg" style="width: 248px; height: 440px; float: left;" /></p> <ul class="ul1"> <li class="li2">Properly inventory and document your antiques and other collectibles. Videotaping should also be utilized; be sure to videotape the item from every angle.</li> <li class="li2">Arrange an appointment with your insurance agent to review your antique and fine arts coverage. Bring as much information about your portfolio as possible, including photos and any appraisals.</li> <li class="li2">Consider utilizing the services of an experienced appraiser who specializes in antiques. Some antique and fine art dealers perform free general value assessments online for lesser-value pieces if acceptable photos and descriptions are provided. For extremely valuable items, most appraisers want to personally inspect the piece, which normally involves a fee. All appraisals should be prepared in accordance with the codes and requirements of the American Society of Appraisers and the American Appraisers Association. High-quality appraisals normally include a description and comment on the antique, an auction value of the item, and a replacement value.</li> <li class="li2">For valuation assistance on less valuable or more common items, consider visiting eBay and other Internet auction sites to help establish various items' market value. An examination of the item's closing price, not its initial asking price, is more representative of its true value.</li> <li class="li2">Ask your agent about procuring a personal inland marine policy or endorsement that can be added to your homeowners policy. This policy/endorsement allows you to schedule your items on an agreed valued basis established by the appraisal and gives you much broader coverage than the homeowners policy provides. Note that this special coverage may also have a breakage exclusion, which may be eliminated for an extra premium.</li> <li class="li2">Take steps to safeguard your collection, with adequate security precautions and appropriate storage.</li> </ul> <p class="p3">Get more <a href="http://www.irmi.com/expert/landing-pages/personal-lines/personal-risk-management/default.aspx">personal lines insurance and risk management</a> tips and ideas from IRMI.</p> <p class="p3">Copyright 2011<br /> <br /> <a href="http://www.irmi.com/default.aspx">International Risk Management Institute, Inc.</a><br /> <br /> <br /> <br /> <br /> <br /> <br /> Photo &nbsp;Courtesy of&nbsp;Patricia&nbsp;Harkin <a href="http://elginantiquesuniques.com/dealers/Harkin/HarkinFrontpage.html">Elgin Antiques&nbsp;</a></p>urn:uuid:64df9ab7-4de3-47a2-8fb7-b91faf62f3c6<img src='http://www.kjhins.com/img/~www.kjhins.com/blog%20picture%20.jpg' align='left' /> Every 30 seconds, a motor vehicle is stolen in the United States. Using Federal Bureau of Investigation statistics, the National Insurance Crime Bureau reports that annual property losses from these thefts are approximately $5 billion. Although tech...Mon, 15 Aug 2011 08:10:37 -0500<p><a href="http://www.flickr.com/photos/35237093637@N01/32815499/"><img alt="" src="/img/~www.kjhins.com/blog%20picture%20.jpg" style="vertical-align: top;" /></a></p> <p><span style="font-size: 18px;">Every 30 seconds, a motor vehicle is stolen in the United States. Using Federal Bureau of Investigation statistics, the National Insurance Crime Bureau reports that annual property losses from these thefts are approximately $5 billion. Although technology and aggressive law enforcement actions have lowered the auto theft rate in recent years, you should still be cognizant of this loss exposure. The following tips may prove helpful in reducing the chances that your vehicle or property in it may be stolen.</span></p> <ul> <li> <p><span style="font-size: 18px;">When temporarily leaving your vehicle, never leave it running or with the keys in the ignition.</span></p> </li> <li> <p><span style="font-size: 18px;">Always lock your car and roll up the windows, even if it is in your driveway. If</span></p> <p><span style="font-size: large;">&nbsp;you have a garage, park your car in it, and close and lock the garage door.</span></p> </li> <li> <p><span style="font-size: 18px;">Park in busy, well-lit areas.</span></p> </li> <li> <p><span style="font-size: 18px;">When purchasing auto stereo equipment, choose items that can be removed and locked in the trunk.</span></p> </li> <li> <p><span style="font-size: 18px;">When using valet parking or taking your car in for repairs, leave only the ignition key with the attendant.</span></p> </li> <li> <p><span style="font-size: 18px;">Turn your wheels sharply toward the curb when parking since this makes it extra difficult for thieves to tow the vehicle. Always use your emergency brake, and leave the transmission in park or in gear.</span></p> </li> <li> <p><span style="font-size: 18px;">Look into various antitheft devices for your auto. Ask about auto insurance discounts for antitheft devices, including alarms and window etchings.</span></p> </li> </ul> <p><span style="font-size: 18px;">Get more <a href="http://www.irmi.com/expert/landing-pages/personal-lines/personal-risk-management/default.aspx">personal lines insurance and risk management</a> tips and ideas from IRMI.</span></p> <p class="TextAlignCenter"><span style="font-size: 18px;">Copyright 2011<br /> <a href="http://www.irmi.com/default.aspx">International Risk Management Institute, Inc.</a><br /> <br /> <strong id="yui_3_3_0_3_13134134245811668" class="username">&nbsp;Photo By <a href="http://www.flickr.com/photos/emdot/">emdot</a>&nbsp;&nbsp; </strong></span></p> <ul id="yui_3_3_0_3_13134135345561777" class="icon-inline sidecar-list"><strong id="yui_3_3_0_3_13134134245811668" class="username"> <li id="yui_3_3_0_3_13134135345561778" class="Stats license"> <a href="http://creativecommons.org/licenses/by/2.0/"><img src="http://l.yimg.com/g/images/spaceout.gif" alt="Attribution" title="Attribution" class="f-sprite fs-cc_icon_attribution_small" style="border-width: 0px;border-style: solid;" /></a> <a href="http://creativecommons.org/licenses/by/2.0/deed.en" rel="license cc:license">Some rights reserved</a> </li> </strong></ul> <strong id="yui_3_3_0_3_13134134245811668" class="username"> </strong> <p class="p1">available under a&nbsp;<a href="http://creativecommons.org/licenses/by/2.0/deed.en">Creative Commons Attribution license</a>.</p> <p> </p>urn:uuid:b85b2907-6e5d-4094-8a42-9b5c2cbbad2b<img src='http://www.kjhins.com/img/%7Ewww.kjhins.com/sage%20crop.jpg' align='left' />Veterinary bills are increasing much faster than the overall rate of inflation. Part of this reason lies in the advancements of medical techniques and the increasing number of veterinarian specialists. These trends, however, come at a price. For exam...Wed, 27 Jul 2011 08:51:48 -0500<p>Veterinary bills are increasing much faster than the overall rate of inflation. Part of this reason lies in the advancements of medical techniques and the increasing number of veterinarian specialists. These trends, however, come at a price. For example, performing a magnetic resonance imaging (MRI) exam on the spine of a cat can cost upwards of $2,000. Removing a tumor on a dog can cost $4,000, and implanting a pacemaker can cost over $7,500. Even dealing with a dislocated ankle can run you around $5,000.<br /> <br /> <br /> <br /> <img alt="" src="/img/%7Ewww.kjhins.com/sage%20crop.jpg" /><br /> <br /> <br /> As a result, pet insurance sales are increasing rapidly. Is this a wise purchase? Much of the decision depends on how you view your pet. If you are emotionally close to your pet and see it as a loving family member who is nearly irreplaceable, then consider the following questions. If the answer to any of the questions below is yes, you should look into purchasing this coverage. </p> <ul> <li> <p>Are you willing to go into debt to provide health care for your pet?</p> </li> <li> <p>Are you on a fixed or limited income?</p> </li> <li> <p>Would you be willing to spend over $5,000 to save your pet in a life-threatening situation?</p> </li> </ul> <p>If you decide to purchase this protection, you should carefully compare the rates and policy provisions of at least three well-established pet insurers.</p> <p>Get more <a href="http://www.irmi.com/expert/landing-pages/personal-lines/personal-risk-management/default.aspx">personal lines insurance and risk management</a> tips and ideas from IRMI.</p> <p class="TextAlignCenter">Copyright 2011<br /> <a href="http://www.irmi.com/default.aspx">International Risk Management Institute, Inc.</a> </p>urn:uuid:9d11d1f9-715c-4d18-bad2-8755f5ca3e2c<img src='http://www.kjhins.com/img/%7Ewww.kjhins.com/auto_policy.jpg' align='left' />Maintain a Robust Credit Score One factor in determining the premium of a personal auto policy or a homeowners policy has nothing to do with your driving record or claims history&mdash;it's your credit record. According to Conning and Company, mor...Tue, 19 Jul 2011 11:52:38 -0500<div style="text-align: center;">Maintain a Robust Credit Score<br /> </div> <p > <img alt="" src="/img/%7Ewww.kjhins.com/auto_policy.jpg" /></p> <p>One factor in determining the premium of a personal auto policy or a homeowners policy has nothing to do with your driving record or claims history&mdash;it's your credit record. According to Conning and Company, more than 90 percent of insurers use an insurance applicant's credit history&mdash;his or her insurance risk score&mdash;to slot him or her into a certain program.</p> <p>When you apply for auto or homeowners insurance, the insurance company typically asks for permission to pull your credit information. The insurer then secures a credit report from one of the credit bureaus. Credit scores range from 300 to 850. If your score is below 650, you may have trouble getting insurance, or you may have to pay a higher premium. In order to improve your credit score, keep in mind the following factors that influence the score.</p> <p style="margin-left: 0.5in; text-indent: -0.25in;">&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Payment history: The largest factor is credit and loan account payment history. A steady record of on-time payments going back several years shows responsibility.</p> <p style="margin-left: 0.5in; text-indent: -0.25in;">&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Debts owed: The number of accounts you currently have, including type and balance. Try to have just a few active accounts with low balances.</p> <p style="margin-left: 0.5in; text-indent: -0.25in;">&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Length of credit history: The longer your credit history, the better.</p> <p style="margin-left: 0.5in; text-indent: -0.25in;">&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; New accounts: Every time you apply for a new account, a record of that application appears on your credit report and drops your score. Limit the number of applications you submit.</p> <p style="margin-left: 0.5in; text-indent: -0.25in;">&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Balance of accounts: It is best to have between two and six open credit cards and one or two loans.</p> <p style="margin-left: 0.5in; text-indent: -0.25in;">&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Negative records: Collections, judgments, and bankruptcy filings will drop your score.</p> <p>Get more <a target="_blank" href="http://www.irmi.com/expert/landing-pages/personal-lines/personal-risk-management/default.aspx">personal lines insurance and risk management</a> tips and ideas from IRMI.</p> <p class="textaligncenter">Copyright 2011<br /> <a target="_blank" href="http://www.irmi.com/default.aspx">International Risk Management Institute, Inc.</a> </p>urn:uuid:ec1850dd-f738-4178-9c47-9feac569076a<img src='http://www.kjhins.com/img/%7Ewww.kjhins.com/family%20jpg.jpg' align='left' /> When I tell people I am an insurance agent, one of the first questions I&rsquo;m asked is what company do I work for? I actually don&rsquo;t work for an insurance company directly. &nbsp;I&rsquo;m an independent insurance agent. &nbsp;&nbsp;I wor...Wed, 13 Jul 2011 09:32:31 -0500<div style="background-color: transparent; margin: 0px;"> <span style="font-size: 18px;"> <br /> When I tell people I am an insurance agent, one of the first questions I&rsquo;m asked is what company do I work for?<br /> <br /> I actually don&rsquo;t work for an insurance company directly. &nbsp;I&rsquo;m an independent insurance agent. &nbsp;&nbsp;I work for an agency <a href="http://www.kjhins.com">Kirkpatrick, Jones &amp; Herzog Insurance Agency, Inc</a> &nbsp;that has great relationships with dozens of insurance companies. </span> <span style="font-size: 18px;"><br /> <br /> There are two main kinds of insurance agents: Captives, also called Direct Writers, &nbsp;can only sell their company&rsquo;s products. For example, a State Farm agent can only sell State Farm products and an Allstate agent can only sell Allstate products. &nbsp;Independent insurance agents are different; they represent and sell products for multiple companies instead of just one. </span> <span style="font-size: 18px;"><br /> <br /> </span> <div style="text-align: left;"><span style="font-size: 18px;">We represent many companies including <a href="http://www.metlife.com/">MetLife,</a> <a href="http://www.progressiveagent.com/agents/illinois/elgin/kirkpatrick-jones-herzog-ins-agy?zipcode=60120">Progressive,</a> <a href="http://www.hanover.com/thg/index.htm">Hanover,</a> <a href="http://www2.pekininsurance.com/">Pekin, </a>&nbsp;<a href="www.generalcasualty.com/%20">General Casualty,</a> <a href="www.safeco.com%20%20%20%20%20">Safeco</a><a href="www.thehartford.com/%20">,</a> <a href="http://www.thehartford.com/Auto-Insurance-Investments-Retirement">The Hartford,</a> <a href="http://www.indiana-ins.com/">Indiana,</a> <a href="https://osc.hscil.com/IL/ShopForInsurance.aspx">Blue Cross Blue Shield</a> and many more. &nbsp; </span> <br /> </div> <span style="font-size: 18px;"><br /> </span> <div style="text-align: center;"><span style="font-size: 18px;"><img alt="" src="/img/%7Ewww.kjhins.com/family%20jpg.jpg" /></span><br /> </div> <span style="font-size: 18px;"><br /> Are those good companies? Are they financially secure? Do they provide good customer service? Are they going to be there for me when I have a claim? Yes, we have been around for <a href="http://www.kjhins.com/blog/History_of_the_World_%28KJH%29_Part_I.aspx">a long time</a> and have longstanding relationships only with companies that are financially sound and we know will help us take good care of our clients.<br /> </span> <div style="text-align: left;"><br /> </div> <span style="font-size: 18px;">One of the advantages of working with an independent is that if your needs change or if a different company has a more competitive &nbsp;price, you get to keep your local agent and our personalized service even though <br /> your insurance company has changed. Our role is to work for you directly to find the best coverage for you. </span><br /> <span style="font-size: 18px;"><br /> How do you decide what company to place my coverage with? </span><span style="font-size: 18px;"><br /> <br /> We do an insurance analysis of your needs, then we look for the company which has the best coverage, the best services and the best price for you. </span><span style="font-size: 18px;"><br /> <br /> I love working for an independent agency because when I sit down with a client I have dozens of options for them to protect their family, themselves and their business. </span><span style="font-size: 18px;"><br /> <br /> Rachel Bloomberg</span> </div>urn:uuid:003211ce-11de-4e67-90ec-26ee1d4b14ba<img src='http://www.insurancewebsitebuilder.com/img/~www.kjhins.com/KJH__6.jpg' align='left' />Kirkpatrick, Jones &amp; Herzog Insurance Agency, Inc. got its start on July 7, 1897, when William&nbsp;Kirkpatrick&nbsp;starting selling insurance for what was then the Rockford Insurance &nbsp;Company. &nbsp; Kirkpatrick's family had a farm near Sc...Thu, 02 Jun 2011 20:38:33 -0500<span class="Apple-style-span" style="line-height: normal; widows: 2; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; border-collapse: collapse; font-family: arial, sans-serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #333333; font-weight: normal; word-spacing: 0px; -webkit-border-horizontal-spacing: 0px; -webkit-border-vertical-spacing: 0px; -webkit-text-decorations-in-effect: none; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px;"><span style="color: #ffffff;"><span style="color: #ffffff; font-size: 16px;">Kirkpatrick, Jones &amp; Herzog Insurance Agency, Inc. got its start on July 7, 1897, when William&nbsp;Kirkpatrick&nbsp;starting selling insurance for what was then the Rockford Insurance &nbsp;Company. &nbsp; Kirkpatrick's family had a farm near </span><a href="http://en.wikipedia.org/wiki/Sciota,_Illinois"><span style="color: #ffffff; font-size: 16px;"><strong>Sciota, IL</strong></span></a><span style="font-size: 16px;"><span style="color: #ffffff;">, where he was born on February 28, 1877, to a family of eight boys &nbsp;and three girls.&nbsp;&nbsp;He married Miss Ella L. Hart on December &nbsp;26, 1900.&nbsp; &nbsp;He moved to<strong> </strong></span><span style="color: #ffffff;"><strong><span style="text-decoration: underline;">Elgin</span> </strong></span>in 1913 and started a&nbsp;partnership&nbsp;with D.A.&nbsp;Chamberlin. &nbsp;Chamberlin retired in 1916 and Kirkpatrick conducted business alone until he was joined by his daughter E. Glendeane and son J. Harter. Kirkpatrick was in the insurance business in Elgin for&nbsp;over 50 years until his death in 1964.&nbsp; <br /> <br /> </span></span> <div class="im" style="color: rgb(80,0,80);"> <div> <div> <div><span style="color: #ffffff; font-size: 16px;"><img style="width: 400px; float: right; height: 330px;" alt="William Bruce Kirkpatrick" src="http://www.insurancewebsitebuilder.com/img/~www.kjhins.com/KJH__6.jpg" /></span><span style="color: #ffffff; font-size: 16px;">Kirkpatrick's family described him as a devoted husband and a loyal and loving father.&nbsp; He was also known as warmhearted social man with a great sense of humor&nbsp;who loved people and recognized the real worth in &nbsp;each&nbsp;individual. &nbsp;He was &nbsp;a community leader and man of deeds.&nbsp;&nbsp;</span></div> <div><br /> <span style="color: #ffffff; font-size: 16px;"></span></div> </div> </div> <div><span style="color: #ffffff; font-size: 16px;">Kirkpatrick's membership in the&nbsp;</span><a href="http://www.elginike.org/"><strong><span style="color: #ffffff; font-size: 16px;">Izaak Walton League</span></strong></a><span style="color: #ffffff; font-size: 16px;">&nbsp;is matched by current proprietor Bill Jones.&nbsp;&nbsp;As president of the Elgin Area Council of the Boy Scouts, Kirkpatrick supported the purchase of<strong> </strong></span><a href="http://threefirescouncil.org/camping/facilities"><strong><span style="color: #ffffff; font-size: 16px;">Camp Big Timber</span></strong></a><span style="color: #ffffff; font-size: 16px;">. &nbsp;Current proprietor Jay Herzog is a enthusiastic and involved&nbsp;member&nbsp;of&nbsp;</span><a href="http://www.threefirescouncil.org/"><strong><span style="color: #ffffff; font-size: 16px;">Three Fires Council</span></strong></a><span style="color: #ffffff; font-size: 16px;">. Kirkpatrick served for many years on the board of trustees of the First Congregational Church of Elgin. &nbsp;Kirkpatrick was president of the Elgin Rotary Club from 1926 to 1927. &nbsp;He was a member of the Order of the Eastern Star, Elgin Lodge of the Elks, and the Men's Garden Club.&nbsp; </span><span style="color: #ffffff; font-size: 16px;"><strong><span style="text-decoration: underline;">The Downtown Neighborhood Association</span> </strong></span><span style="color: #ffffff; font-size: 16px;">did not exist during his lifetime, but if it had, Kirkpatrick most likely&nbsp;would have been a board member, like current proprietor Karin Jones.<br /> <br /> </span><span style="color: #ffffff; font-size: 16px;">Thanks to the&nbsp;</span><a href="http://www.elginhistory.org/"><strong><span style="color: #ffffff; font-size: 16px;">Elgin Area Historical Society</span></strong></a><span style="color: #ffffff; font-size: 16px;"> and William's&nbsp;granddaughter&nbsp;Sarah Hudgens for the source material.</span></div> </div> </span><br class="Apple-interchange-newline" /> &nbsp; Rachel Bloomberg