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Protection Team News GRATEFUL AFTER THE HURRICANES EVERYTHING WE’RE GRATEFUL FOR IN 2024
VOL 15, ISSUE 24
Stay #FloridaStrong Page 1
As power is restored in most areas and we settle back into our routines after the devastation caused by Hurricanes Helene and Milton, it’s a good time to reflect on our blessings, especially with Thanksgiving approaching as I write this. I know many of you have faced significant damage, but I encourage everyone to focus on the positive. The loss of life, while tragic, could have been so much worse, especially in Florida’s barrier islands. This season, I’m reminded that while we can replace cars, homes, and belongings, lives are irreplaceable, and that’s where our true fortune lies.
The rebuilding process will take years if not decades, but Floridians have shown resilience time and again, proving that we are #FloridaStrong. We will come back better and stronger, as we have before. My team and I may not be licensed contractors, builders, or roofers, but we are dedicated to supporting you in ways that make a difference. Since the storms, we’ve been focused on helping clients navigate claims, assess coverage, and understand the next steps for their policies. We are committed to being more than just an insurance agency; we’re here to guide you through difficult times and stand by you as you recover and rebuild. While we strive to learn and improve with each storm, we know there is always more we can do. If you have suggestions or feedback — whether it’s praise, criticism, or ideas on how we could enhance our services, I’d love to hear it. Please reach out to me at DVermost@vermost. com or call 727-748-2886. Your insights help us serve you better and prepare for whatever lies ahead. Looking back on this year, I am thankful for my loving family, who support me through thick and thin; my amazing team members, who make me look smarter every day; friends, who keep me grounded and push me to be my best; and, of course, you, our loyal clients, who entrust us to protect what matters most to you. I’m also grateful for our insurance partners who’ve worked tirelessly to do what’s right for our clients in the toughest of situations. Thank you, each and every one of you! This Thanksgiving, I hope you, too, find a moment to reflect on what you’re thankful for and enjoy a holiday filled with peace, gratitude, and hope for the future.
Foods to Avoid for a Good Night’s Sleep Page 2
Collector Car Insurance 101 Page 2
You Can Safely Swim After Dinner Page 3
Referral Winner Page 4
Wacky December Holidays Page 5
Puzzle Time! Page 5
Homemade Eggnog Page 5
October Referrals and November Puzzle Winner! Page 6
Until next month,
–Darren
The girls enjoying the cool weather in Michigan.
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Toll free (800) 828-2226 Fax (727) 577-4991
www.vermost.com newsletter@vermost.com
COLLECTOR CAR VS. DAILY DRIVER WHY SPECIALIZED INSURANCE MATTERS If you own a collector car and a daily driver, you’ve probably noticed major differences between their insurance policies. While traditional auto insurance covers many vehicles, classic car insurance (sometimes called collector car insurance) can save you money. The reason is simple: Big-name insurance companies may not fully understand how to insure your prized collector car properly. What qualifies as a collector or antique car? • 15-20 years old (or older) • Considered rare or highly desirable • Often includes sports cars, muscle cars, or exotic vehicles While your daily driver is the vehicle you rely on for everyday errands, commuting, and getting through rainy days, your collector car only comes out for special occasions, often in nice weather. Because these special vehicles are driven far less frequently than regular cars, the cost to insure them tends to be lower.
Sleep Stealers Avoid These Foods for Better Sleep For the estimated 1 in 3 Americans who struggle with insomnia, avoiding sleepless nights is a top priority. Most people know to ease into relaxing activities and avoid blue light from digital devices for at least an hour before bedtime. However, avoiding certain foods that can keep you awake is just as important. Here are four of the worst culprits. RHYTHM WRECKERS Cheese lovers, beware! Tyramine, an amino acid found in fermented and aged foods, including cheese, tends to trigger the release of norepinephrine, a neurotransmitter that can raise blood pressure. Alcohol also is believed to interfere with circadian rhythms by disrupting the body’s sensitivity to natural sleep cues, such as waning light in the evening. ACID IGNITERS For the estimated 1 in 5 Americans who suffer from acid reflux, the food and drink consumed before bedtime are pivotal to sleep quality. Foods that trigger this gastrointestinal disorder include spicy items and high-fat dairy products like ice cream. Sadly, popular party fare, which includes cheese, tomato sauce, alcohol, and carbonated drinks, also can trigger heartburn. TUMMY TROUBLEMAKERS As enjoyable as carbonated beverages may be, they can cause gas, bloating, and general stomach discomfort, preventing you from settling into sleep. Other potential triggers of stomach problems include citrus fruits, which have a high acid content that can fuel stomach acid. Citrus also acts as a natural diuretic, prompting you to awaken in need of a bathroom at night. HIDDEN CAFFEINE Avoiding the caffeine in coffee, energy drinks, and soft drinks is a no-brainer, but certain teas can disrupt sleep, too. While even the highest-caffeine teas, including yerba mate and black tea, have less than half as much caffeine as a standard cup of coffee, all true teas — so defined because they are made from the Camellia sinensis plant — still have enough caffeine to disturb sleep. Only herbal teas like chamomile, peppermint, and hibiscus brews are caffeine-free. And chamomile, in particular, contains the added benefit of a plant-based compound called apigenin, which calms the brain.
Vermost Insurance Now has a relationship with Chuck Chucri, who offers financial planning and investment
Did You Know ...
advisory services!
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1200 Belcher Rd. S., Suite 1 Largo, FL 33771-3315
Phone: (727) 748-2886
Collector car insurance provides coverage tailored to these unique vehicles. It includes liability, collision, and comprehensive coverage, all designed with collectible cars in mind. Since collector cars often hold or even increase in value, most policies cover damages up to an agreed value — ensuring you get the proper coverage, unlike a standard auto policy that may fall short. At Vermost Insurance, we understand the needs of collector car owners and how important it is to protect these valuable, beautiful investments. If you or someone you know owns a collector car and is looking for the right insurance, call us today — we’re eager to help you find the best coverage options!
You’ve probably heard the old wisdom that if you pluck a gray hair, two will grow back, or maybe you’ve been avoiding the pool after dinner so you don’t drown. Many so-called old wives’ tales like these, passed from generation to generation, might be more fiction than fact. Get ready to learn the truth behind the tales as we debunk three age-old myths. IT’S SAFE TO SWALLOW GUM. As kids, we likely all heard that if you swallow your gum, it will stay in your stomach for seven years. Don’t stress that sticky stuff! Your stomach is powerful enough to digest gum without any issues. The only (rare) reason it could become a problem would be if you swallowed an excessive amount of gum, which could lead to a blockage in your intestines. YOU CAN SWIM AFTER SNACKING. Have you been scared to take a dip right after a meal? You don’t have to wait 30 minutes after eating before you go swimming, like the old myth says. When you are digesting food, your body has to use more blood to aid in the process, but it’s not enough to cause debilitating cramps that could lead to drowning. At most, you might get a minor cramp you hardly notice. PULLING A GRAY HAIR WON’T MAKE 2 APPEAR. Plucking gray hair won’t make you grow more silver strands. Every hair on our bodies comes from a single follicle, which ultimately stops producing color as we age. The loss of pigmentation affects only one hair per follicle. So, if you pluck one, that is the only hair affected, and it will likely grow back the same gray color. What you do risk by plucking gray hairs are bald spots, so it’s best to leave those gray hairs alone. Ultimately, most of these tales are just age-old fibs that have managed to stick around for generations despite science and common sense debunking them. So, the next time someone warns you about the gum you swallowed or how you prune your hair, laugh it off and share the real story. FACT-CHECK YOUR FOLKLORE The Real Deal on Old Wives’ Tales
CALL FOR DETAILS OR TO MAKE YOUR APPOINTMENT TODAY (727) 748-2886 Chuck Chucri, CFP®, CLU®, ChFC®, FLMI Financial Advisor The Prudential Insurance Company of America Prudential.com/advisor/chuck-chucri Our financial advisors and financial planners offer financial planning and/or investment advice through Pruco Securities, LLC (Pruco), under the marketing name Prudential Financial Planning Services (PFPS). A financial advisor or financial planner offers securities products and services as a registered representative of Pruco and offers insurance products as an agent of issuing insurance companies. (800) 778-2255 Vermost Insurance is an independent organization and is not an affiliate of Prudential Financial.
1007626-00005-00
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Toll free (800) 828-2226
Fax (727) 577-4991
www.vermost.com
newsletter@vermost.com
BE A LIFESAVER We want to thank everyone who referred their friends, family, and coworkers to Vermost Insurance throughout 2023. When you refer someone to us, you receive rewards for each referral and are entered into 2023 REFERRAL WINNER! 2024 REFERRAL PROGRAM
monthly and annual drawings for additional, even bigger prizes. Your referrals mean a lot to us, and we want to reward you for helping us grow our Vermost Insurance family. The annual grand prize winner of our 2023 referral program is Paul Burns. He received a 55-inch 4K TV plus a $250 donation to the charity of his choice. If you want a shot at the 2024 prize, keep sending referrals our way. Your referrals make us happy, and we hope our referral program makes you happy, too!
Paul Burns is our 2023 referral winner of the 55-inch 4K TV plus a $250 donation to a charity of his choice.
• EACH Referral • $5 Starbucks Gift Certificate • 3 FL Lottery Scratch-Off Tickets • A chance to win prizes! • $5 donation to our spotlight charity: Moffit Cancer Center
• A $50 GIFT CARD
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1200 Belcher Rd. S. Suite 1 ● Largo, FL 33771-3315 ● Phone: (727) 748-2886 Largo, FL 33771-3315 Phone: (727) 748-2886 1200 Belcher Rd. S., Suite 1
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Wacky December Holidays
• December 1 — National Eat a Red Apple Day • December 2 — National Fritters Day • December 3 — National Roof Over Your Head Day
• December 16 — National Chocolate-Covered Anything Day • December 17 — National Say It Now Day • December 18 — National Twin Day • December 19 — National Oatmeal Muffin Day • December 21 — National French Fried Shrimp Day • December 22 — National Date Nut Bread Day • December 24 — National Eggnog Day • December 25 — National Pumpkin Pie Day • December 26 — National Candy Cane Day • December 27 — National Fruitcake Day • December 28 — National Chocolate Candy Day • December 29 — Tick Tock Day • December 30 — Bacon Day • December 31 — Make Up Your Mind Day
• December 4 — Santa’s List Day • December 5 — Bathtub Party Day
• December 6 — National Gazpacho Day • December 7 — National Cotton Candy Day • December 8 — National Crossword Solvers Day • December 9 — Christmas Card Day • December 10 — Dewey Decimal System Day • December 11 — National Noodle Ring Day • December 12 — Gingerbread House Day • December 13 — National Cocoa Day • December 14 — Monkey Day • December 15 — National Wear Your Pearls Day
HOMEMADE EGGNOG
WORD SEARCH
Inspired by AheadOfThyme.com
Better than store-bought, this flavorful homemade eggnog is perfect for the whole family this holiday season!
Ingredients
• 3 cups whole milk • 1 tbsp vanilla extract • 3 eggs, room temperature • 4 egg yolks, room temperature • 1/3 cup sugar • 1/4 tsp salt
• 2 cups heavy cream • 1 1/2 tsp nutmeg
For topping • Whipped cream • Ground cinnamon • Extra nutmeg
Directions 1. In a saucepan over medium heat, combine milk and vanilla, swirling occasionally until it starts to steam. 2. In a mixing bowl, beat eggs, egg yolks, sugar, and salt for approximately 5 minutes until the mixture is thickened. Slowly add milk and whisk to combine. 3. Pour the mixture back into the saucepan and cook over low heat, stirring for about 6 minutes. 4. In another large mixing bowl, place heavy cream and nutmeg. Strain egg mixture into the cream and cool in the fridge for at least 2 hours. When chilled, fill a glass with eggnog and top with whipped cream, cinnamon, and extra nutmeg!
CARDINAL COCOA FROSTY GARLAND
GENEROSITY MENORAH MITTENS PEPPERMINT
PINECONES SNUGGLE UNITY YULE
You can fax, email, or mail your completed puzzle for a chance to win our monthly prize!
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Toll free (800) 828-2226
Fax (727) 577-4991 www.vermost.com newsletter@vermost.com
PRST STD US POSTAGE PAID BOISE, ID PERMIT 411
1200 Belcher Road South, Suite 1 Largo, FL 33771 www.vermost.com (727) 748-2886
INSIDE THIS ISSUE
You Make Us Happy
We Insure More Than Just Cars and Homes Here’s a list of some of our lines of protection:
People who referred clients to us in October: • Alan Seeds Jr. • Sharon Garroway • Suits and Boots • Eva O’Malley • Carol Borgeson • Gary Haag • Bob Grimes • Jim Allison
› Antique vehicles › Annuities › Auto › Boat/RV › Bonds › Builder’s risk › Commercial auto › Commercial property › Condo › Disability
› Flood › General liability › Home › ID theft › Life › Mobile home › Motorcycle/Jet Ski › Notary public
November Puzzle Winner: This should have been you!
› Umbrella › Workers’
October Referral Winner: Gary Haag
compensation
... and more!
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1200 Belcher Rd. S., Suite 1 Largo, FL 33771-3315
Phone: (727) 748-2886
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