Vermost Insurance Agency - November 2020

Vermost Insurance Agency - November 2020

Protection Team News A WIN UNDER UNUSUAL CIRCUMSTANCES ‘WE ARE THE CHAMPIONS’ H as anyone else been hearing Queen’s anthem, “We are the Champions,” in their head? I would hope so after the Lightning won the Stanley Cup and brought it home to Tampa Bay. It was an unbelievable run this year under very unusual

VOL 12, ISSUE 10

AWin Under Unusual Circumstances Page 1

Veterans Day and the Number 11

circumstances. This victory was a total team effort and not just one person carrying the load. Yes, I watched every single game — many with my daughter on FaceTime. There were a few late nights due to the multiple overtime periods, but in the end, it was all worth it. Two things will always stand out for me: First is captain Steven Stamkos dressing for game three, playing for about three minutes, and yes, scoring a goal! The excitement and energy that brought to the team was just amazing. The second thing will have to be the boat parade that was pulled together for the fans to celebrate with the team. The excitement the players and fans showed was just over the top. There isn’t any other team that could pull that off other than Tampa Bay! Go Bolts! On another topic, the hurricane prime-time season is quickly passing by, and Florida has been faring very well so far. The Panhandle did get a hit this year and received some damage, but it wasn’t as bad as when Michael hit them in 2019. As I have said many times, it only takes one hit to ruin your year. The vast majority of Florida has been able to dodge some major damage, but we can’t let our guard down just yet. Every day takes us one day closer to the end of the hurricane season — which we all need this year. Hopefully, the next time I write this column, we will all be celebrating the passing of the prime-time season without any further storms hitting Florida and the United States.

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Ainsley taking a break from midterms

5 Thanksgiving Movies for the Whole Family Page 3 Inspiring Happiness With Our 2020 Referral Program Page 4

Earlier, I talked about the amazing run of the Lightning, but I need to also give a shoutout to the Rays, who finished the shortened baseball season with the best record in the American League and will go on to the playoffs with momentum. I hope that injuries are kept at bay and that they have an unbelievable run, just like the Lightning had. I will be having some more late nights since the MLB is having the games played out in California. I can’t forget the Buccaneers and TB12. They have had a couple games, and the lack of preseason has been a problem for the team to get on the same page. It is exciting to have the possibility to win each game with Tom Brady, as well as the other great off-season pickups brought in by the Bucs. Could this be the year the Tampa Bay area completes the trifecta of trophies? Until next month, –Darren

Fun November Holidays

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HAVE QUESTIONS ABOUT LIFE INSURANCE? We Have Answers T he holiday season is a time to cherish your family to the fullest, and securing peace of mind through life insurance is an essential part of that. If you’ve been thinking about the best plan for you, consider some of these frequently asked questions. Q: Do I need life insurance? A: If you died tomorrow, how would your family pay for your funeral, medical bills, outstanding debts, and living expenses like food, utilities, and mortgage? You need life insurance if you want to make sure the people who depend on you now will be taken care of after you’re gone. If you are the primary earner in your household, life insurance isn’t an option; it’s a responsibility. Q: How much coverage do I need? A: There’s no “one size fits all” policy because no two people have the same needs. But most experts agree that at a minimum, a person needs coverage equal to six times their annual income.

THE 11TH HOUR OF THE 11TH DAY OF THE 11TH MONTH

Why Veterans Day and the Number 11 Go Hand in Hand

Veterans Day comes every Nov. 11. It’s a national holiday that recognizes veterans who served in the United States Armed Forces and honors those both living and deceased. Historically, the day marks Armistice Day and the end of the Great War: World War I. But what is the significance of the number 11? The armistice was signed at 5:45 a.m. in France, but it took effect at 11 a.m. that same morning — which happened to be Nov. 11, 1918. The armistice originally lasted 36 days but was extended month after month. This led to the signing of the Treaty of Versailles on June 28, 1919, when peace was officially declared. Later that year, President WoodrowWilson proclaimed that Nov. 11 would be known as Armistice Day to honor those who fought in the Great War. This lasted until 1954, when President Dwight Eisenhower signed a proclamation turning Armistice Day into Veterans Day. The change was made in order to recognize all veterans who had honorably served their country. By 1954, the U.S. had fought in more wars — specifically World War II and the Korean War — and hundreds of thousands more Americans had served. Unsurprisingly, there was some political drama surrounding the day. In 1968, Congress made Veterans Day a federal holiday under the Uniform Holiday Bill. The idea was to increase the number of three-day weekends in the year. Veterans Day became a holiday that would fall on the fourth Monday of October, a far cry from Nov. 11. However, in 1978, Veterans Day was restored to its original Nov. 11 date. But why? The answer is simple. It’s a number that sticks with you. When the clock strikes 11:11, you always take notice. By that same notion, we all remember the 11th hour of the 11th day of the 11th month. Because of this, we’ll never forget the end of the Great War, nor will we forget those who served.

Vermost Insurance now has a relationship with Chuck Chucri, who offers Financial

Planning & Investment

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Advisory Services.

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1200 Belcher Rd. S. Suite 1

Largo, FL 33771-3315

Phone: (727) 748-2886

5 Thanksgiving Flicks for the Whole Family Bored on Thanksgiving? Plan a Movie Marathon!

CALL FOR DETAILS OR TO MAKE YOUR APPOINTMENT TODAY (727) 748-2886 Chuck Chucri, CFP® , CLU®, ChFC®, FLMI Financial Planner The Prudential Insurance Company of America Prudential.com/advisor/chuck-chucri Chuck Chucri offers financial planning and investment advisory services through Pruco Securities, LLC (Pruco), doing business as Prudential Financial Planning Services (PFPS), pursuant to separate client agreement. He offers insurance and securities products and services as a registered representative of Pruco and an agent of issuing insurance companies. (800) 778-2255 Vermont Insurance is an independent organization and is not an affiliate of Prudential Financial. Q: What’s the difference between term and permanent insurance? A: Term life insurance is the most affordable type of insurance because it only provides coverage for a limited time, ranging from 5–30 years. The policy holder runs the risk of outliving coverage and facing incredibly high premiums if they want to renew. Permanent life insurance offers lifetime protection as long as you continue to pay your premiums. You can also borrow money against permanent life insurance; you cannot borrow against term insurance. Q: Can I have more than one life insurance policy? A: There are currently no laws restricting the number of life insurance policies one person can have. No policy cancels another policy out, and all effective policies will be paid concurrently at time of death. Q: Is a physical exam always required to obtain life insurance? A: Not all policies require one, but policies that pay high benefits usually do. The physical can typically be performed by a paramedic or licensed health care worker and consist of a weight check, blood and urine samples, and an EKG. You’ll also need to answer questions about your medical history. There are many more useful details to discover about which life insurance policy is right for you. Call Vermost Insurance Agency so we can set up a time to answer all of your questions.

After a giant Thanksgiving meal, it can be tempting to sink down onto the couch and never get up — so embrace it! This Thanksgiving, try planning a family movie night to enjoy while the turkey settles. Movie nights are about as low maintenance as family hangouts can get. According to Elle magazine, actress Angelina Jolie credits family flick marathons for helping her survive quarantine with six kids at home. Her secrets to success are comfortable clothes like pajamas and robes, along with plenty of movie snacks. This Thanksgiving, plan your marathon around these holiday-themed films. 1. ‘Free Birds’ — This hilarious 2013 animated film stars Owen Wilson and Woody Harrelson as turkeys who have escaped the Thanksgiving table. Together, they go on a mission back in time to break up the first Thanksgiving and get turkey off the menu for good.

navigate football, an ever- growing Thanksgiving guest list, and a backyard feast of junk food. 3. ‘Garfield’s Thanksgiving’ — Everyone loves Garfield, and this 1989 television special starring Jon, Odie, and the fat cat himself is another Thanksgiving mainstay. The vet puts Garfield on a diet at the worst possible time: right Thanksgiving’ — This 2008 period drama is based on a short story by Louisa May Alcott and tells the tale of an estranged family who find themselves back together just in time for the holidays. It’s historical, heartwarming, and fit for all ages. 5. ‘AFamilyThanksgiving’ — This Hallmark comedy is a funny combination of “A Christmas Carol” and “17 Again.” A high-powered lawyer is transported to an alternate universe and gets a look at what her holiday life could have been like if she’d made different choices. before Thanksgiving. 4. ‘An Old-Fashioned With these five films on your watch list, you won’t need any other Thanksgiving entertainment!

2. ‘A Charlie Brown Thanksgiving’ — This old-school television special from 1973 is a

Thanksgiving classic. In it, Charlie Brown and Snoopy

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Toll free (800) 828-2226

Fax (727) 577-4991

www.vermost.com

[email protected]

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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Celebrate November Holidays!

• Nov. 17: National Take a Hike Day • Nov. 18: Mickey Mouse’s Birthday

• Nov. 2: National Deviled Egg Day • Nov. 5: American Football Day • Nov. 9: Go to an Art Museum Day • Nov. 11: Veterans Day • Nov. 15: National Philanthropy Day

• Nov. 26: Thanksgiving • Nov. 27: Black Friday • Nov. 30: Cyber Monday

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CINNAMON-SPICED CANDIED SWEET POTATOES

These candied sweet potatoes will make your family beg for more!

Ingredients

• 4 lbs orange-fleshed sweet potatoes, peeled and cut crosswise into 2-inch pieces, then cut lengthwise into 1-inch wedges • 1 cup light brown sugar, packed

• 1 tbsp kosher salt • 1/4 tsp ground cloves • 1/4 cup unsalted butter, cubed • 4 (2-inch) cinnamon sticks

Directions

1. Preheat oven to 350 F. 2. Place sweet potato wedges in a 4-quart baking dish. 3. Sprinkle sugar, salt, and cloves over sweet potatoes. 4. Dot with butter and place cinnamon sticks around sweet potatoes. 5. Bake, turning every 15 minutes, until sweet potatoes are tender and the liquid is syrupy, about 1 hour and 15 minutes. 6. Remove from the oven and let stand for 10 minutes. 7. Discard cinnamon sticks and serve.

Cobbler Cranberry Election Football Novel Sagittarius

Thanksgiving Topaz Turkey Veterans

Voting Windy

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Toll free (800) 828-2226

Fax (727) 577-4991

www.vermost.com

[email protected]

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1200 Belcher Road South Suite 1 Largo, FL 33771 www.vermost.com (727) 748-2886

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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!

› 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

People who referred clients to us in September:

Peter Musante Rae Poritz c/o Shawn & Shawn Moving Inc. Josh Muirhead Roger Rodrigues at Rio Imports Inc. Juliet Cress

September Puzzle Winner: Shirley Harrison from Hicks Laundry Equipment

› Umbrella › Workers'

Brooks Gentry Suzanne Mace

September Referral Winner: Roger Rodrigues

Compensation

... and more!

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

Phone: (727) 748-2886