LAW
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says they are supposed to have it. Second, it provides additional coverage if the other driver only has a small liability policy; it kicks in after that amount has been used up. So, it can be tapped into to supplement a lesser amount from the other driver’s small insurance limits. Years ago, I had a tragic case come to my offices. Three young people were driving home from a party when a drunk driver with no insurance crossed into their lane and hit them head-on. Their injuries were horrible. Broken bones. Collapsed lungs. Large lacerations and scarring.They all sur-
MURDER
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for medical help after his mother had somehow ended up on the ground during a fight between Pulley and his son. A violent altercation happened while Pulley’s son was playing cards, according to the report, and ended with Pulley punching his son in the face and threatening to “shoot, stab and kill him,” Prior said. Firefighters arrived, and it took four of them to subdue Pulley, who told them that his wife was OK and tried to reenter the house where his wife and at least one gun was located. Then, Oceanside Police immediately responded to the domestic dispute and transported the son to a separate location, according to the report.
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JAN. 14, 2011 vived but had to spend months in the hospital. As you can imagine, the medical bills went through the roof. They had health insurance but they were still saddled with huge bills. They couldn’t work.They couldn’t pay their bills and rent. Because the drunk driver had no insurance, the UM coverage became the only source of money available to them. It kicks in when the driver who causes the collision has no insurance, or only a little bit of insurance. They each had UM coverage of the minimum amount of $15,000 each, which, as you can imagine, was used up quickly. We sued the drunk driver and got a million dollar award, but he went to prison
and has no money; we haven’t Hopefully, you’ll never need it. collected a penny from him and But you never know. probably never will. If only these kids had a million dollars Michael Vallee is a practicing trial of UM coverage instead of attorney whose firm focuses on con$15,000, their lives would have sumer law, personal injury and wrongmade easier and their medical ful death cases. He is a consumer legal care would have been taken contributor for The Coast News. care of. Contact him at info@valleelaw.com. I generally fight against insurance companies every day in my job. That doesn’t mean that I don’t believe having the right type of insurance isn’t important. It is. Extremely. It can mean a lot if you are unfortunate, as my three young clients were that fateful evening. Go check your insurance policy and make sure you have at least $500,000 of UM coverage at a minimum.
There were no charges filed for the incident, and police left the scene at about 2:40 a.m. Less than five minutes later a fatal bullet entered the chest of Misaalefua, a husband, father and Oceanside PopWarner football coach who lived across the street from Pulley at their Brown Street cul-de-sac. Oceanside Police responded to the call for shots fired from the garage of the same location they had just left. They found Misaalefua on the ground, suffering from a gunshot wound that claimed his life shortly after he arrived at the hospital. Prior said that Pulley had walked to Misaalefua’s residence and began talking with him just after police had left, and that witnesses said the talking between the men
seemed friendly. “The facts are that these two neighbors had no bad-beef in the past,” Prior said. They walked to the cul-desac together, which is between their houses, and neighbors heard Pulley say to Misaalefua, “I’ve got something for you.” The defendant then walked to his own house and Misaalefua followed him, according to Prior. “He (Pulley) went to his home, retrieved a .25 Caliber, turned the safety off and fired two shots at Jimmy,” Prior told the court. Prior said after court that Pulley has shown he has the ingredients for murder,which is alcohol fueled with violence and a loaded weapon. “Many who knew him said that a murder for him wasn’t a question of if, but of when,” she said.
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MONEY
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highly with net worth in the survey, regardless of income level. Retirees with seven or more types of investments had an average net worth of $1.4 million. Those with three or fewer had an average net worth of $678,000. — Prioritize retirement over college. You can borrow money for a college education, but you can’t borrow toward your retirement. So while it’s fine to start a 529 savings plan for your kids, make funding it a secondary goal. — Stay in the game. A Fidelity Investments study of the balances of its 401(k) participants age 55 and up found a real benefit to perseverance.
SMALL TALK
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very likely to happen again. Good news. You have four years to prepare for it. It does not take a child getting into medical school to make me proud of my babies. I have learned to celebrate the small joys when they come around, as well. But this time … Whew! Dang! Wow! And did I mention, awesome?
child is going to do something very challenging, and there is nothing in your past life you can even compare it to.It’s a foreign landscape for me. Not so foreign, however, that I can’t roll around in a big, sloppy puddle of shameless pride about it. I’m a little afraid some of my readers may be a little weary of this theme. I may I have already written about my Jean Gillette is a part-time editor and children’s accomplishments freelance writer. Contact her at a time or two. Bad news. It is jgillette@coastnewsgroup.com.
ARRESTED
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county. Ramirez is the person who was seen driving with Henderson while police were searching for him on the day of the murder.
On Jan. 1, 2011, 25-yearold Tamara Henderson was shot and killed in her apartment. Her husband, Dontaye Henderson, was identified as the suspect. Henderson had been at large until his Jan. 4 arrest.
dents worked part-time in retirement; 37 percent of that group said they needed the income. But the psychic benefits of continued employment also were important to many. More than half said working made them feel useful; 38 percent said they enjoyed work too much to give it up.
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Those who continuously contributed to their plans doubled their average account balance in the 10 years ending the third quarter of 2010, which included the financial fiasco of 2008 and 2009. — Pay off debt.Accelerate payments on your mortgage with an eye toward paying it off by retirement.That might seem counterintuitive, given the past year’s stellar market performance, when putting extra cash in the S&P 500 would have provided a better return. But given the market’s ups and downs, that strategy can backfire; just as you’re ready for retirement, you could be stuck with losing investments and a mortgage still to be paid. — Work longer. Twenty percent of CR’s survey respon-
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