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Alpha e-News Update
June 2011 |
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The Alpha Group Agency
4200 Rockside Road, Suite 300
Independence, Ohio 44131
216-520-3300 |
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Reviewing Your Homeowners Policy
Often, homeowners insurance is purchased with the home and then is not thought about again until a claim is made. But since there is little you can do at that point about your coverage, take time periodically to review your policy. Below are a few items to consider:
Review the adequacy of your policy limits. Investigate how much it would cost to replace your home and make sure your policy limit will cover that amount. Don't insure your home for its market value -- it may cost more or less than that to rebuild your home. And even if your home were totally destroyed, you would still have the land. Try to obtain guaranteed replacement cost coverage, where the insurance company will rebuild your home even when the cost exceeds the policy limits. Be aware, however, that some companies no longer offer this coverage and even those that do define guaranteed replacement cost in different ways. Some companies will rebuild your home no matter what the cost, while others cap their coverage based on a certain percentage of the policy's face value. Make sure your policy has an inflation endorsement that increases your coverage annually for increases in construction costs.
Keep reading... For help or questions about your homeowners policy, contact Alpha Property & Casualty: Mark, Peggy or Stephanie via email or at 216-520-3300. |
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From the Desk of Renee Kral, Alpha Wellness Department
June is Men's Health Month
The purpose of Men's Health Month is to heighten the awareness of preventable health problems and encourage early detection and treatment of disease among men and boys.
Alarming statistics show men's health is at a great risk. On average, men die almost 6 years younger than women and suffer higher mortality rates for the top causes of death-heart disease, cancer, stroke and obesity related issues. The lives of hundreds of thousands of men will continue to be threatened unless immediate action is taken to combat this growing crisis. Research shows that:
Keep reading and download complete Wellness Issue #12
Health Checkup Checklist |
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Email Training Needed to Avoid Cyber Battles
Randi Kochman, an attorney with Cole Schotz in Hackensack, N.J., has seen her share of e-mail battles over the years. In one case, e-mails going back and forth between the employee and manager reflected a personal relationship that had gone bad, and the manager and employee allowed their frustrations to play out in e-mail. A case can head south for an employer quickly if a supervisor flies off the handle in e-mail, she noted.
Keep reading... |
Life Insurance's Recent Overhaul
Courtesy of Evolution of Wealth There was a huge change that took place in the life insurance industry recently. This is driven by a new rule for calculating insurance costs that went into effect January 2009. Truth be told the change has been a lot more gradual than that though. What has been happening is that life insurance costs have been decreasing dramatically since about 2000. The Insurance Information Institute says that term life insurance premiums are now 50 percent lower than they were a decade ago. The internal cost of insurance of cash vallue life insurance policies, such as Whole Life, Universal Life and Variable Life, have also dropped causing a noticeable reduction inpremium rates for these policies. |
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2012 HSA Indexed Amounts
Maximum Annual Contribution Amounts:
Single Coverage: $3,100
Family Coverage: $6,250
IRS link
Download PDF |
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Black Bean Patties Courtesy of Men's Health
Ingredients:
1 small onion, finely diced
1 T. olive oil
2 t. minced garlic
2, 15.5 oz cans black beans, drained and rinsed
2 T. chopped fresh cilantro
1 egg, lightly beaten
1/2 t. salt
1/2 t. ground black pepper
1/2 t. cumin
1/2 t. ground coriander
2 t. hot sauce
1/2 cup whole wheat flour
2 T Creole seasoning
1) Cook onion with olive oil in sauté pan until lightly caramelized. Add garlic and cook for 30 more seconds.
2) In a bowl, mash beans with back of a fork until smooth. Stir in cooled onion mixture, cilantro, egg, salt, pepper, cumin, coriander and hot sauce. Mix well.
3) Shape into 4 patties and dust with flour and seasoning.
4) Heat oil in a nonstick skillet. Cook patties until golden on both sides.
Serve with salsa, avocado and fat free plain yogurt |
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Fun Dental Facts -
Betcha didn't know...
*George Washington's dentures were made from walrus, hippopotamus, and cows' teeth, as well as elephant tusks.
*The most valuable tooth was one a nobleman purchased - belonging to the famous scientists Isaac Newton - for $4,560. It was set in a ring.
*Queen Elizabeth I's teeth were noticeably discolored. A German traveler, Paul Henter, speculated that the discoloration was due to the Queen's excessive consumption of sugar, making the first recorded association between sugar and tooth decay.
*The second most common disease in the United States is tooth decay. The first is the common cold.
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The Alpha Group Agency
Alpha Benefits, Inc. / Alpha Financial Services, Inc. / Alpha Property & Casualty, Inc. / AlphaHR, LLC.
Your partner for stability, security & growth. |
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