Wednesday, May 28, 2014

Things to Know This Week at Hummel Insurance Services

  • CD rates getting you down? It’s no secret that CD rates have been lousy for a long time. There is some good news, however. The Personal Choice Annuity from Sentinel Security Life actually raised their interest rates recently and offers a very competitive rate of 3.3% guaranteed for 5 Years! If you have as little as $2500 (Qualified or Non-Qualified) that is earning less than 3.3%, why not take advantage of the tax-deferred benefit of an annuity?
  • Have you ever:
    • Been overcharged for a repair?
    • Received a speeding ticket
    • Been audited?
    • Signed a document?
    • Prepared a will?
If you are like most people, you have had to deal with at least one of the above situations at some point in your life. If you haven’t completed the last item on the above list (Preparing a Will), what’s stopping you? Maybe you just put up with being overcharged, receiving a ticket, or any of the other items in the above list (which is just a small sample) because you were worried about how much it would cost to hire an attorney. With LegalShield, a small monthly fee puts you in touch with an experienced and respected law firm. You’ll be only a phone call away from the legal services you may need. Go to: www.legalshieldassociate.com/hub/craighummel for more information, or call Craig at 712-482-6424.

  • Dental, Vision, Hearing. Three types of expenses not covered on Medicare Supplements (unless a medical necessity), or some health insurance policies unless resulting in a medical diagnosis. As little as $25 per month will give you some protection against these routine costs.
  • Critical Illness Coverage. The good news is that more people than ever before recover from a Heart Attack, Stroke, or Cancer. The bad news is that recovery can be very costly, with many of those expenses being non-medical and excluded from your health insurance policy. Critical Illness coverage pays YOU a lump sum upon your being diagnosed with any one of twenty-two conditions.

Friday, May 23, 2014

HAVE A HAPPY AND SAFE MEMORIAL DAY WEEKEND

Everyone at Hummel Insurance Services wants to wish you and your family have a happy and safe Memorial Day Weekend.  To help make sure your weekend is SAFE, remember this acronym:  SWFFT
SUN:  Be careful whenever you are outside; you can get a sunburn even on cloudy days.  It can help to wear a hat and sunglasses, but the best way to protect your skin is using sunscreen with an SPF of at least 15.
WATER:  Don’t ever swim alone.  If you are boating or riding a personal watercraft (Jet Ski, Sea Doo, etc.) make sure you wear a life vest.  Avoid alcohol while or before operating a boat or PWC, and always watch out for children.
FOOD:  Make sure you thoroughly cook your foods, particularly when grilling ground beef, pork or poultry.  Yeah, I like juicy hamburgers too, but they say they aren’t safe to eat that way, so govern yourself accordingly.  Also, perishable foods need to be refrigerated within two hours, and always wash your hands with soap and water before handling food and after touching raw meat.
FIRE:  Grilling out and sitting around a fire pit can be a source of great fun on a summer weekend; just remember to keep them away from flammable areas and materials.
TRAVEL:  Don’t take off without making sure your vehicle has been serviced recently, don’t drink and drive or get in a vehicle with anyone under the influence.  Also, don’t be a distracted driver…leave the phone alone when driving.  DON’T TEXT WHILE DRIVING.  EVER.

Wednesday, May 7, 2014

Be Prepared for Disaster

With storm season sneaking up on us, we should take advantage of every tool possible to protect our families.  The following tips and guides appear on the Ready.gov web site. For 2014, they are stressing family and including children in these important conversations.  Regardless of whether or not you have children, there is plenty of good information to be had.  Here is just a sample, but more can be found at:  http://www.ready.gov/prepared2014.

RESOLVE TO BE READY 2014

Resolve to be Ready. #Prepared2012 - Ad Council, Ready and FEMA

The campaign includes age-appropriate tools and resources to introduce conversations about disaster preparedness to children on www.ready.gov/kids, including a downloadable family emergency plan, emergency kit checklists and guidelines on how to make preparedness a year-round family activity. Check out the materials that you can use in your community to get families prepared in 2014.This year's Resolve to be Ready campaign focuses on 'Family Connection' to reinforce the importance of parents including their children in preparedness conversations in advance of potential disasters. The Ready campaign makes an emergency preparedness resolution easy to keep by recommending families consider these three ideas when making a plan: who to call,where to meet and what to pack.
  • Preparedness social media messages
  • #Prepared2014 Thunderclap message
  • Ready Kids public service announcement and emergency preparedness videos
  • Downloadable family emergency plan templates, emergency kit checklists, and disaster fact sheets for kids
  • Facebook cover photo, banner, and square graphic
  • Learn about these tools in Spanish: Propóngase estar listo en el año 2014