and if your home is located in a 100-year flood plain, purchasing flood insurance is recommended and sometimes required. If you need a mortgage for your home in a high-risk flood area, federal law mandates that you carry flood insurance as a loan condition. However, flood insurance is still a wise investment even if you live outside of these high-risk zones or no longer have a mortgage. Flooding can happen anywhere, and FEMA estimates that nearly 25% of flood insurance claims come from low- to moderate-risk areas. Flood insurance ensures you’re not left vulnerable in the aftermath of a flood and provides peace of mind that your property is secure, no matter where you live. Vermost Insurance Agency offers free, comparative quotes on flood insurance from multiple insurance carriers — call us today to be sure your home is properly protected.
Have you ever discovered a mysterious set of animal tracks? Reading those footprints can be your ticket to uncovering the hidden world of wildlife right under your nose. Whether you’re on a camping trip hoping to spot one of your favorite critters or simply curious about the pawprints you stumbled on at home, we’re here to show you how to become a nature detective. PREPARE AND OBSERVE You’ll have the best luck spotting tracks or other signs of animal life in places where wildlife is known to frequent. Find watering holes or other areas where animals may feed or gather. Tracks need a suitable medium, like snow, mud, sand, or soft dirt, for them to show. Regardless of where you’re heading, bring a field guide, a map of the area, hiking supplies, and tools for tracking, like a ruler, magnifying glass, and a camera. COUNT THE TOES Your main clues to the owner of these natural calling cards are the number of toe and claw marks on the print. Canines, like wolves, and felines, like cougars, all have four toes, but you can see a significant difference between their claws. Cats have retractable claws, so their pawprints won’t always have claws. In contrast, birds have distinctive tracks with three long, skinny, forward-facing toes. IDENTIFY YOUR PREY When you have identified what animal family left the print behind, you can begin to home in on its exact species. Use a small ruler to measure the size of the track to give you clues. A wolf, for example, has similar prints to a dog, but they are about 2 inches wider. Context is also a crucial factor when you’re tracking. Think about the animals that live in the area. Would there be any domesticated dogs in the woods where you are hiking? Document your tracks with photos and notes in a nature journal. If you’re still unsure, go online and look at various animal tracks. You may find what you’re looking for! So, next time you stumble upon animal tracks, get out your ruler and camera! Those prints could lead you on a great adventure! BECOME A NATURE DETECTIVE Unlock the Secrets of Animal Footprints
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.
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