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W. Frankie Page, Jr. CPA, Inc.
Family Owned & Operated
~ Established 1979 ~
Riney joined his father and older brother in
business, got married and began to establish his
own family. Riney soon welcomed a son, then
a daughter and settled down. Not long after,
Terry’s father passed, but with the business in
the care of his sons, the legacy of excellence
continued.
With 30 years of service under his belt, Terry
felt the need to stretch his wings. Selling his
shares to his brothers, who are still running the
business in Kansas, in 2003 Terry and wife Nancy
moved across America to a little town named
Pinehurst. His only regret? Not coming sooner!
Opening their doors in April 2005, the Terry
Riney Agency became an independent insurance
agency serving Moore County. “We’re an
independent insurance agency who represents
several companies,” Riney explains. “We don’t
just represent one company like a State Farm or
GEICO. Most of the time, an independent agent
offers a less expensive policy that can be custom
fitted for each client. We’re not always the least
expensive, but our products are second to none.
We have better products, with better pricing,
along with better customer service. We are the
only agency in Moore County who has a fulltime
claims person on staff.”
The one thing that always surprises Riney?
He laughs, “I’m always surprised when someone
says, ‘I didn’t know you sold car insurance!’”
We think everyone knows what we do by our
advertising, but it’s a learning process. Selling
everything but health insurance, Riney
explains, “Basically, there are three categories
of insurance: Personal insurance, covering auto,
home, boat, aircraft, motorcycle—those kinds
of things. Commercial insurance is business
insurance. Life insurance protects your family.”
In keeping with the family owned and
operated heritage, Riney partners with his
children Blaine Riney and Kelli Starr. Going on 15
years in Pinehurst, Riney tells, “We make clients
for life. Our retention rate is in the high 90’s, and
we’re growing by 10-15% each year. We started
off with two employees and have grown to eight.
The thing that sets us apart in the marketplace
is we are hands–on. With every single client, we
perform an annual review to make sure each
client is protected.” Predominately serving
locals within a 50 mile radius, the Riney Agency
also handles accounts all over the country with
their largest accounts coming from Wilmington.
In determining how much coverage is
needed, Riney assures, “I’ve done this for over
45 years, and there’s never too much insurance!
Take property insurance—when a house burns
to the ground or a building gets blown away by
a tornado—there’s never too much insurance.
It always costs more to replace than what you
think. For instance, when you build a home on
a beautiful lot with your favorite builder... that
is what we want to insure. When a house burns
down, it’s all of a sudden; there’s no warning.
In the recovery, it’s so much more expensive
to rebuild. Thankfully, home policies are
sold as packages designed to take care of the
homeowner in an emergency.”
Interestingly, everyone who buys an auto
insurance policy in North Carolina gets the
same auto policy. There is no difference in
policies because the North Carolina Rate Bureau
governs all insurance policies in the state. “The
standard auto policy is the same,” explains
Riney, “However, companies then jockey for
position on price. They all try to find the sweet
spot where they can make a profit and still
maintain market share.”
As for the best part of the job? Riney smiles,
“It’s always fun when you have convinced a
customer that they need a certain coverage
when at the time they don’t think they need.
Then all of a sudden they need it! My father told
me right off the get–go that you don’t want to sell
people a bunch of things they don’t need, but
you want to protect them properly. Finding that
balance, that fine line of where you need to be is
important.”
Celebrating 45 years of insurance, Riney has
no intention of retiring. Completely involved,
Riney tells, “My business is my passion. My faith
is my passion. My family is my passion, not
necessarily in that order. I love what I’m doing. I
love the insurance business; however, I wouldn’t
mind playing a little more golf. The problem is,
I’m too much of a hands–on guy.”
Protecting local families and businesses with
custom fit insurance policies, the Terry Riney
Agency invites a visit. Insuring your world with
home, auto, business, and life insurance, check
out the Terry Riney Agency whose slogan reads,
“We make clients for life.” ☐
Terry Riney Agency •11 Trotter Hills Circle
Pinehurst • Phone: (910) 295-1121
Hours: Mon-Fri: 8:30A.M.-5:00P.M.
Working with family, Kelli Starr serves clients.
Blaine & Terry Riney review a local policy.
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An Ounce Of Prevention
by Jessica Tessman of Southern Tropics
As the weather turns cooler, the kids go
back to school and pumpkin-everything season
approaches, sometimes caring for a swimming
pool is the last thing on your mind. It can be
tempting to throw a cover on the pool and call it
a day. As the saying goes, an ounce of prevention
is worth a pound of cure; your future self with
thank you in the spring for your efforts in the fall.
If you elect to close your pool, it’s best to wait
until the water is below 65 degrees. At Southern
Tropics, we suggest
closing no earlier
than October. The
longer warm water
sits stagnant, the
greater the chance for
algae to grow. Make
sure that the cover
you use lets little to no
light through. Algae
is a plant, and just
like any other plant,
it consumes energy
from the sun. It is also
advisable to balance
the water chemically
before shutting down the pool to protect the
pool surface and also to help maintain water
clarity. Before you turn off the pump and filter,
add in a specialized closing chemical and allow
it to circulate for at least an hour. When you
uncover the pool in the spring you should have
little to no issues with water clarity.
Whatever you do, do not simply turn the pool
off and allow leaves and debris to accumulate
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in the water. Cleaning up a neglected pool is
extremely costly, whether you hire a company to
do the work or you take on the project yourself.
The longer a pool sits, becoming greener and
greener, the longer it will take to clear the water.
Every year I have clients frustrated that a pool
that has been green for 4-6 months will not turn
over in a few days.
Living in the South, we are fortunate to have
mild winters. Many people choose to keep their
pools operational through the winter months. If
you choose this route, many of the same rules
apply. Keep the water
in balance. Keep the
leaves and debris out.
Make sure to keep
chlorine in the pool
as well. Saltwater
chlorination systems
do not function below
55 degrees water
temperature, so if
you have one of these
systems, you should
turn it off over the
winter, change the cell
out for a dummy cell
and put chlorine tabs
in your skimmer baskets. When temperatures
drop to 35 or below, make sure to keep the pool
running to protect your equipment.
Southern Tropics is open year-round to
answer your pool or spa related questions, test
your water on our state-of-the-art Waterlink
Spin lab, and repair your pool equipment. We
are located at 1545 US Highway 1, across from
Crossroads Ford, in the same building as Golf
Augusta. ☐ For more info, see ad p. 28.
p.36 The Pinehurst Gazette, Inc. No. 136