Vermost Insurance Agency - April 2022

Vermost Insurance Agency - April 2022

Protection Team News HURRICANE SEASON WILL BE HERE SOON

Waiting on Legislature to Take Action

VOL 14, ISSUE 3

When you read this article, can you believe the first quarter of 2022 is in the books and spring break is in full swing? Gulf-to-Bay Blvd is not a fun place with all the extra traffic! You can tell by all of the out-of- state license plates that the visitors are back. Noelle decided that she was going to enjoy one more spring break before starting into the working world next year. As you can see from this month’s photo, she did NOT go to the beach. She and her friends from FGCU decided to head north to a cabin in the mountains. They enjoyed the beautiful surroundings of Pigeon Forge, Tennessee, while hiking and afterwards spending time in the hot tub to sooth those aching muscles that were not used to the inclines! Back to Florida, the state legislature is still in session; nothing has passed yet in terms of bills to address the insurance issues we are ALL experiencing. While they have been in session, one insurance company has gone under and a second one is now in the process of going under as well. I have no idea what it is going to take for them to realize that we Floridians are in a world of hurt. They need to address the issues — and soon. If they fail to do anything this legislative session, I truly expect to see two additional insurance companies go under. Citizens Property Insurance Corporation would return to their very large size and take back their crown as a top 10 carrier (in size) in the nation. That just should never happen. Something else that is fast approaching is the hurricane season. Yes, it is coming very quickly. Just the other night, I was in Lowe’s. As I walked in, they had a sign indicating the number of weeks until hurricane season starts — and it won’t be long. With that being said, everyone needs to pull out their 2021 storm plan to review and make any necessary changes for this year. That includes making a list

Hurricane Season Will Be Here Soon Page 1 3 Insane Events That Happened at Augusta National Golf Club Page 2 Is a Fixed Annuity Right for You? Page 2 Did You Know ... Page 2 Welcome Spring With Open Arms Page 3 Check Out Our Referral Program! Page 4 Wacky April Holidays Page 5

Noelle enjoying spring break!

of supplies you need to purchase to be prepared for this year’s season. We are waiting to see if the state legislature votes for another hurricane tax-free weekend this summer. Please don’t wait until the storm is coming to get your supplies. Don’t forget to double-check your flood policy as well, especially with all the changes this past year in flood Insurance. You can call our office for an insurance checkup. With Rays baseball starting after a delayed season, we finally have more to talk about than the Tampa Bay Lightning. The Bolts have really struggled with injuries this season. Hopefully, the light month of games in February (due to the All- Star break and Winter Olympics) allowed them to rest and recover for a strong push to the playoffs! Go Bolts and Rays! Until next month, –Darren

Word Search Page 5

Pecan Cream Pie Page 5 March Referrals and Puzzle Winner! Page 6

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Toll free (800) 828-2226 Fax (727) 577-4991

www.vermost.com [email protected]

FIXED ANNUITIES EXPLAINED Make Them Work for You Fixed annuities are beneficial contracts with your insurance company and can be looked at as a safe place for cash to accumulate. In exchange for making one or more premium payments, the insurance company will provide an income stream (tax deferred) during retirement. Fixed annuities also provide a death benefit for your beneficiaries. One of the best parts about fixed annuities is that taxes aren't taken out while the annuity is sitting and growing. This way, more money is available to earn a return! However, whenever you decide to begin receiving income payments, the cash is subject to income tax. If you’re in a higher tax bracket and looking to defer extra income, or if saving is at the forefront of your mind but you’ve already reached your deductible limit on all retirement accounts, you may wish to consider investing in a fixed annuity. Fixed annuities are a great option because they are simple, straightforward, and flexible — you can choose to receive one lump payment or a series of payments, indefinitely if

3 INSANE EVENTS THAT HAPPENED AT AUGUSTA NATIONAL GOLF CLUB Augusta National Golf Club in Augusta, Georgia, is one of the most famous golf courses in the world. The golf club was constructed back in 1933 and has enthralled golfers of every skill level. Augusta is mostly known for the Masters Tournament, one of the four major championships on the PGA Tour. In its nearly 90-year history, Augusta National Golf Club has seen some crazy events. From hostage situations to near-death experiences, there’s no shortage of unbelievable stories that have taken place on the course. Below you’ll find three of the most bizarre events that have occurred at this golf club. Ronald Reagan’s Bizarre 1983 Round Many presidents throughout our country’s history have enjoyed the game of golf, and Ronald Reagan was no exception. While Reagan was in the middle of a round at Augusta, a man named Charles Harris rammed his pickup truck through a locked gate, stormed into the pro shop, took five hostages, and demanded to speak with the president. Reagan left the course after Harris refused to speak to him over the phone, then the police handled the situation from there. Reagan returned the next day During World War II, golf was one of the last things people thought about. After seeing the bulk of their members sent overseas to fight in the war, the owners of the course came up with an alternative way to make money. They decided to allow cattle and turkeys to roam the course before they were ready for market. It took years for the foliage to return to playing shape. Death and Return At the 2018 Masters, a man named Johnny Pruitt got to live his dream by attending the championship as a spectator. He never made it to his seat though as an irregular heartbeat stopped his heart. Pruitt was taken from the course, and his heart was restarted with a defibrillator before he went into a coma. He awoke from the coma a week later, and Augusta invited him back to attend the 2019 Masters. to play an uninterrupted round. The Years Without the Masters

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

Get Sprung

you wish. They can be immediate or deferred. You may begin receiving payments as early as 30 days after purchasing your fixed annuity, or you can have the payments begin at a later date. However, if you begin taking payments very early, it leaves little time for earnings to accumulate. In most cases, deferred annuities begin payments at the time of retirement. Your fixed annuity’s value will accumulate at a set interest rate. This way, the market does not influence your value one way or another. For more information or if you need help deciding whether or not fixed annuities are right for you, we are just a phone call away!

4 Ways to Harvest Positive Vibes in Spring

Have you ever noticed that springtime just feels lighter and brighter? That’s because, believe it or not, the seasons affect us. When Spring rolls around, the energy shifts, and it’s up to us to maximize those positive vibes. Let’s examine how we can make the most of, Spring and inject some color and vibrancy into it. Rely on color. Colors have the ability to elicit certain emotions and feelings. Tropical tones and pastels are everywhere in Spring — the clear sky, grass, and flowers — so allow them to fill your space and take them with you as constant reminders to smile. If you’re up for it, wear some new colors to brighten up your wardrobe, and don’t forget to take in a sunset when you’re able! Enjoy more hours of daylight. Spring brings more hours of sunlight and warming temperatures that can give you more time to enjoy your morning cup of coffee outside. You can take an early stroll around the block, get in a workout outdoors, or just enjoy the fresh air. Also, many areas observe Daylight Saving Time, which extends sunlight into the evening, so no matter how you choose to spend your extra daylight, make it an adventure. Welcome spring-cleaning. It isn’t called spring-cleaning for nothing! Decluttering, dusting, reorganizing, and tidying up feels great! It’s empowering and refreshing. There is something special about creating more space in your living space that gets the positivity flowing. Eat fresh, colorful foods. During spring, many delicious fruits and vegetables come into season. Berries, oranges, apples, carrots, avocados, cherries, spinach, and kale are all at their peak. Your local farmers market is a great place to get the freshest produce to fuel your body! Spring is a time for new beginnings and positivity. Make the most of this Spring season by welcoming a fresh abundance of love and life.

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 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. 1-800-778-2255 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

[email protected]

2022

INSPIRING HAPPINESS!

2021 REFERRAL WINNER!

We want to thank everyone who referred their friends, family, and coworkers to Vermost Insurance throughout 2021. 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 2021 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 2021 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

Largo, FL 33771-3315

Phone: (727) 748-2886

1200 Belcher Rd. S. Suite 1 ● Largo, FL 33771-3315 ● Phone: (727) 748-2886

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Wacky April Holidays

• April 1 — April Fools' Day • April 2 — National Ferret Day • April 3 — National Find a Rainbow Day • April 4 — National Walk Around Things Day • April 5 — National Deep Dish Pizza Day • April 8 — National Zoo Lovers Day • April 9 — National Name Yourself Day • April 10 — National Siblings Day • April 11 — National Pet Day • April 12 — National Big Wind Day • April 14 — Look Up at the Sky Day

• April 15 — National Rubber Eraser Day • April 16 — National Wear Your Pajamas to Work Day • April 17 — International Bat Appreciation Day

• April 18 — National Animal Crackers Day • April 20 — National Cheddar Fries Day • April 22 — National Jelly Bean Day • April 24 — National Pet Parents Day • April 25 — National Hug a Plumber Day • April 28 — National Superhero Day • April 30 — National Sense of Smell Day

WORD SEARCH

PECAN CREAM PIE

Inspired by TogetherAsFamily.com

Ingredients

• 1 9-inch uncooked pie crust • 1 cup heavy whipping cream • 1/4 cup powdered sugar • 2 8-oz bars of cream cheese, softened • 1/2 cup light brown sugar • 1/4 cup pure maple syrup • 1 1/2 cups finely chopped pecans, divided

Directions 1. Cook pie crust according to package instructions. 2. In a small bowl, combine heavy whipping cream and powdered sugar. Beat for several minutes with a hand mixer until stiff peaks form. 3. In a separate larger bowl, combine the softened cream cheese, brown sugar, and maple syrup. Beat together until combined and creamy. 4. Fold the whipped cream into the cream cheese mixture and stir together until combined. Stir in 1 cup of chopped pecans. 5. With a spatula, spread mixture into the baked and cooled pie crust. Sprinkle the remaining pecans on top of the pie. 6. Cover and refrigerate overnight before serving.

Bloom Cleaning Earth Easter

Flowers Fool Prank Ramadan

Recycle Spring Teacher Venus

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

[email protected]

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:

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: Larry Lasagni Elaine Cornillaud Charles Park

› Antique vehicles › Annuities › Auto › Boat/RV › Bonds › Builders' risk › Commercial auto › Commercial property › Condo › Dental › Disability › Employee benefits

› Flood › General liability › Health › Home › ID theft › Life › Mobile home › Motorcycle/Jet Ski › Notary public

Patricia Hendley Robert Reichold A-1 Irrigation T. Porambo Tiffany Pebler Ibrahim Moussa

March Puzzle Winner: Joni Mann March Referral Winner: Ibrahim Moussa

Properties of TI John Mahoney Maureen Eckert Kim Nymeyer

› Umbrella › Workers'

compensation

... and more!

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1200 Belcher Rd. S., Suite 1 Largo, FL 33771-3315

Phone: (727) 748-2886