Check out our May newsletter!
Protection Team News CHECKING IN AT THE END OF Q1
VOL 13, ISSUE 4
Holy cow! The first quarter of 2021 is now gone, we have a 21-year-old in the house — I can hear you now, “He doesn’t look that old,” but I am! — I am fully vaccinated, and our beautiful beaches are full with spring breakers! What a crazy 30 days since my last article. I could add more, but I would just put you to sleep. I don’t want to be accused of being boring. With the large number
a big insurance year, in terms of bills that will be trying to “solve” the homeowners insurance crisis that we all find ourselves in at this moment. I have been warning for a while that the path we were on was not sustainable and that we could be seeing large rate increases and insurance companies leaving the state or going out of business.
Checking In at the End of Q1 Page 1 3 Tips for RVing on a Budget Page 2 High Net Worth Insurance — A Good Problem to Have! Page 2 Did You Know ... Page 2 99-Year-Old Betty White’s Secrets of Longevity Page 3 Check Out Our Referral Program! Page 4 Wacky May Holidays Page 5
I hate to say that I was right, but I hit the trifecta in a bad way. We just had another insurance company get liquidated by the state, the rates increases are off the page, and some companies have left the state for better pastures. Do I have the magical fix? No, but I highly suggest you reach out to your elected officials and let them know you want them to do something to fix this issue and soon. Hopefully, next month I can report that they listened and did something material and not just window dressing. Let me shout out Buc’s general manager, Jason Licht,
of people getting in line to get vaccinated, I certainly hope that this virus soon burns itself out and the number of infections will quickly go down so we can stop living in fear and get back to the good ol’ days. Last month, I told you about some possible changes to the hurricane season. Well, they did make a few changes but not to the length of the season for this year. They changed how they will go about naming storms after they run out of names. No more Greek letters! They will create a backup list of names and use them instead. They
Noelle taking a break from studying!
Word Search Page 5
Shaved Asparagus Salad Page 5 March Referral Rewards and Puzzle
for doing an amazing job re-signing as many of the players as he has. Things are shaping up for another great run this upcoming football season. I would like to be one of the many fans in the stadium to cheer them on. Please stay safe and get your shots! Until next month, –Darren
also adjusted the “average” data to include more recent years, which did increase the average number of storms. As for the length of the season, it looks like they will change that next year, so we have something to look forward to in 2022! In my mind, any statistics are better than the COVID-19 numbers. One other interesting thing that's happening is the Florida legislative session. This year will be
Winner! Page 6
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A GOOD PROBLEM TO HAVE The High Net Worth Insurance Balancing Act When we see names in the headlines, we don’t always think about the full scope of being, well, famous. At the same time, there are plenty of wealthy people and people of influence you never hear about. But that doesn’t mean that nobody knows who they are. High net worth insurance is designed for both groups in a balancing act that most Americans don’t realize is going on. The risk with wealthy individuals is, funny enough, over- insurance of “minor” assets, but under-insurance of the actual value. For example, we’re sure Brad Pitt has great insurance on his houses, but what would happen if he didn’t and one burned to the ground? Would it have a massive impact on his long- term life? Probably not. But what if he was kidnapped? Where does the ransom money come from — and could that have a long-term effect? Again, perhaps not, but it’s a higher risk. It’s a similar concern for wealthy people who are not famous; in fact, they may be at higher risk for kidnapping and assault because they are not used to being recognized or targeted.
BECOME A SAVVY RV USER
And Save Money on Your Summer Road Trip
This past fall, RV manufacturers reported a 31% increase in sales compared to 2019. This was no doubt related to an effort to stave off the spread of COVID-19, which had more families opting to take road trips and camp instead of going on tropical and European vacations. While the great outdoors can be the perfect affordable backdrop for family vacations, it doesn’t come without a cost. You can hit the road without your bank account taking a hit with these three must-do tips! Stay for Free If you’re on a cross-country adventure, you will need a place to park and rest each night before continuing your adventure the next day. Rather than shelling out money every night, consider free options. Search for public land that’s part of the Bureau of Land Management or in a Wildlife Management Area that allows overnight camping. Walmart allows RV parking at no cost, but some locations pose safety concerns. To mitigate this, well-meaning RVers have listed Walmart locations with red flags. You can check them out at AllStays.com. Save on Fuel Fuel could be your biggest expense, but you can cut down on the inevitable by driving slower than 60 mph when it’s safe to do so. Once you hit 60 mph or above in your RV, your gas mileage will drop. Furthermore, you can keep your gas bill in check by sticking to trips within your state, planning your route to avoid unnecessary detours, and leaving early to miss the traffic. Each little action could make a big impact on your fuel bill. Re-Use Items inYour Home You may have a long to-buy list for your RV, but not everything on there may be necessary. Before splurging on the latest gear, consider what you have in your home. Use old kitchen utensils and plates, cleaning supplies, bedding, and entertainment items like books and toys in your RV to save money and clear some clutter from your home. It’s a win-win! Looking for more RV tips? Check out
Vermost Insurance now has a relationship with Chuck Chucri who offers Financial
Planning & Investment
Did You Know ...
GanderOutdoors.com or download apps like AllStay, RVParky, and State Lines. Happy trails!
Advisory Services.
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1200 Belcher Rd. S., Suite 1
Largo, FL 33771-3315
Phone: (727) 748-2886
How to Live to 99
And that’s the situation many wealthy people find themselves in: They have hobbies and assets that cost a lot and salaries that can’t easily be recouped, all stemming from the fact that they are the most valuable asset. It’s easy to remember to insure a yacht, but what about the 200 bottles of vintage wine in the hold? What happens to those if the boat goes down? This is where high net worth insurance comes in. Vermost Insurance Agency and companies like it take the time to go over a person’s life and assets and come up with a comprehensive insurance policy tailored to them and their family. It’s not something most people will ever have to worry about, and if you do, it’s a good problem to have! And it’s a fascinating aspect of fame, fortune, or both that most of us don’t often think about. To learn more about this and other insurance policies, give us a call at (727) 748-2886. Vermost Insurance Agency is here to help.
Betty White’s Secrets of Longevity Beloved “Golden Girls” actress Betty White is still enjoying her golden years. The famed actress celebrated her 99th birthday this January. While she told People magazine
that she’s “blessed with good health, so turning 99 is no different than turning 98,” she also had a few tips for folks looking to make it to their centennial birthday. Keep Laughing “Don’t take yourself too seriously,” White says. “You can lie to others — not that I would — but you cannot lie to yourself.” White has undoubtedly provided many laughs to viewers over the years, but she’s not just playing it up for the camera. Laughter is part of what keeps her young. Be Optimistic White says a good sense of humor also helps her keep a good attitude and look for the positive rather than “dwelling on the downside.” Avoiding negativity also gives her energy. “It takes up too much energy being negative,” she told People magazine. Stay Busy With nearly eight decades of acting under her belt, six Emmys on her shelf, and over 120 screen credits to her name, White is no stranger to hard work. As she told Parade in 2018, “I just love to work, so I’ll keep working until they stop asking.” Exercise Your Mind In addition to her busy work schedule, what keeps Betty White sharp? Crossword puzzles! She told Katie Couric in an interview, “I’m addicted. An admitted addict. I just can’t put ’em down.” Find a Cause White is a lifelong animal lover. She calls her golden retriever, Pontiac, “the star of the house.” While pet ownership itself comes with proven health benefits, White has channeled her love for animals into bigger causes. She’s been a trustee and board member of the Greater Los Angeles Zoo Association for over 40 years and has done work to help protect endangered species in the wild. Funds raised from White’s official fan club, Bet’s Pets, all go to support animal charities. Embrace Your Vices White told Parade she loves vodka and hot dogs “probably in that order,” which just goes to show that you don’t have to forgo your treats to live to 99.
CALL FOR DETAILS OR TO MAKE YOUR APPOINTMENT TODAY (727) 748-2886 Chuck Chucri, CFP® , CLU®, ChFC®, FLMI Financial Planner
Prudential Advisors Prudential.com/advisor/chuck-chucri
Our financial advisors offer investment advice, and some may offer financial planning. 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.
1007626-00003-00
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Toll free (800) 828-2226
Fax (727) 577-4991
www.vermost.com
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asd
2021
INSPIRING HAPPINESS!
2020 REFERRAL WINNER!
We want to thank everyone who referred their friends, family, and coworkers to Vermost Insurance throughout 2020. When you refer someone to us, you receive rewards for each referral and are entered into 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 winners of our 2020 referral program are Diane and Joseph Goulah. They received a 55-inch 4K TV plus a $250 donation to the Alzheimer’s Association, their charity of choice. If you want a shot at next year’s prize, keep sending referrals our way. Your referrals make us happy, and we hope our referral program makes you happy, too!
Diane and Joseph Goulah are our 2020 referral winners of the 55-inch 4K TV, plus a $250 donation to the Alzheimer’s Association, their charity of choice.
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1200 Belcher Rd. S., Suite 1 Phone: (727) 748-2886 1200 Belcher Rd. S. Suite 1 ● Largo, FL 33771-3315 ● Phone: (727) 748-2886 Largo, FL 33771-3315
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WackyMay Holidays
• National Receptionists Day, May 12 • World Whisky Day, May 15 • National Mimosa Day, May 16 • National Maritime Day, May 22 • National Sorry Day, May 26 • National Sunscreen Day, May 28
• Free Comic Book Day, May 1 • National Brothers and Sisters Day, May 2 • Star Wars Day, May 4 • National Astronaut Day, May 5 • National Eat What You Want Day, May 11
WORD SEARCH
SHAVED ASPARAGUS SALAD
Tangy citrus and salty Parmesan cheese complement earthy, fresh asparagus, a favorite spring vegetable with a short growing season.
Ingredients
• 1 lb asparagus spears • 1 tbsp lemon juice • 1 tsp Dijon mustard • 3 tbsp extra-virgin olive oil • 3/4 cup Parmesan cheese, grated
• 1/2 tsp kosher salt • 1/8 tsp red pepper flakes • Freshly ground black pepper, to taste
Directions
1. With a vegetable peeler, shave each asparagus spear from tip to base. This is easiest to do if the asparagus is on a flat surface. 2. Place shaved asparagus in a bowl and blot off excess moisture with a paper towel. 3. In a separate bowl, make a vinaigrette by whisking together lemon juice, Dijon mustard, and olive oil. 4. Pour vinaigrette over shaved asparagus and add Parmesan cheese, salt, red pepper flakes, and black pepper. Toss to combine. Taste and adjust seasonings.
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Inspired by ACoupleCooks.com
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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 & homes. Here's a list of some of our lines of protection:
Thank you for recently referring your friends, family, and coworkers to our agency. With your help, our Vermost Insurance family keeps growing! We hope our referral program makes you happy, too! People who referred clients to us in March:
› Antique vehicles › Annuities › Auto › Boat/RV › Bonds › Builders risk › Commercial auto › Commercial property › Condo › Dental › Disability › Employee benefits
› Flood › General liability › Health › Home › I.D. theft › Life › Mobile home › Motorcycle/Jet Ski › Notary public
Pam Sullivan Eric Patrick Chuck Quick
Frank Harrison Jay Fleece Legacy Protect Precision Remodeling Stephen Boston Leslie Novilla Paul Carter Harvey Frye Ashley Lepper Eduart Suci Florida Pro Tech Painting Tom Long
Cynthia Stratton Alison Samarias G. AndrewWilliams Pam Dropic Joshua Gates Susan Gang
April Puzzle Winner: Catherine DeHaan
› Umbrella › Workers'
April Referral Winner: Eduart Suci
Sharon Kopowski Sustainable Urban Richard Gildea
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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