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August Insurance Agency of the Month | Rough Notes Magazine

August Insurance Agency of the Month | Rough Notes Magazine

A Purposeful Life – With Flamingos

We were honored to be recognized by Rough Notes Magazine’s as August’s insurance agency of the month. This is yet another reminder on how blessed we are to live in such a great and caring community!

As mentioned in the write up, with the help of our community, we have raised/given over $120,000 to local charities since 2012! In 2012 Preferred Insurance became a centenarian. We wanted to celebrate in a BIG WAY. We started Quotes for Causes, where we donated $10 for every policy we quoted (no obligation) to local charity. At this time those lovely pink flamingos made their debut as well! 

We are dedicated to providing excellent insurance and top notch customer service all while making a difference in our community! If you would like to help make a difference and save a bundle on your insurance, give us a call today and request a quote! 419-678-2326

Donating $10 to local charity for every policy we quote!

We are so thankful to our clients and our community for supporting our, shall I say “unique”, ideas. Without great clients and a fantastic community none of this would have been possible. THANK YOU!

If you would like a copy for yourself call or stop into the office!
Or read the online version by clicking HERE.

Dan Muhlenkamp Achieves NSSA Advisors Certificate

Dan Muhlenkamp Achieves NSSA Advisors Certificate

Dan Muhlenkamp has achieved National Social Security Advisors certificate from the National Social Security Association LLC in Cincinnati.

The NSSA certificate promotes advanced Social Security education providing Muhlenkamp with the knowledge to counsel clients on the best way to claim Social Security benefits in order to optimize lifetime Social Security income.

Dan Muhlenkamp specializes in Senior Planning, Business Planning and Estate Planning. The NSSA certificate program prepares professional advisors for the myriad of questions that their clients are asking. Also, with this training, advisors can guide their clients through the many Social Security options that are available. NSSA advisors are uniquely qualified to help the growing numbers of baby boomers. The program is the gold standard in Social Security certification and training in the nation.

The National Social Security Advisors certificate program was created by CPA, Marc Kiner and Jim Blair, a 35 year veteran of the Social Security Association. With 10,000 Baby Boomers turning 65 each day in the U.S., Kiner and Blair, believe that advisors must be educated regarding Social Security. There are 76 million Baby Boomers nationwide. Boomers are folks born between 1946 and 1964.

“For more and more people, Social Security is going to provide an important part of their retirement income,” said Blair. “NSSA advisors are passionate about helping retirees optimize their benefits over the rest of their lives.”

For more information call Dan Muhlenkamp at 419-678-2326.

For more information about the NSSA certificate program, go to www.nationalsocialsecurityassociation.com

6 Perks of Picking an Agency for Ohio Insurance

6 Perks of Picking an Agency for Ohio Insurance

To buy Ohio insurance online or from an insurance agency?

Is it easy to find Ohio insurance online? Absolutely. Is it easy to purchase insurance online? Most likely. With these two questions answered, why would you pick an Ohio insurance agency? We understand that insurance can be intimidating, sometimes maybe a little scary, and most of the time you probably don’t think much of your policy at all. That is of course until you need to use it. The 6 perks for picking an agency listed below are only a few of the things we have made standard at Preferred Insurance Center that all benefit you, our client.6-perks-of-insurance-agency-ohio-insurance

  1. Every year we offer what we call an Account Review. We place a phone call when your homeowners or renters policy comes up for renewal and give you the option to answer a few questions, and go over your coverage’s on your policies. Some of the questions include asking about updates or renovations made to your home and going over your auto coverage’s to understand your policy. Filling out this form gets us the most up to date information to properly shop your account for the best rates if you so choose. 

    Donating $10 to local charity for every policy we quote!

  2. Flag alerts on large rate increases. These alerts take place when ANY policy takes a larger rate increase than expected. This allows us to get in front of the renewal process giving us more time to possibly find a better company/rate for the next term. Our calls for the account review and rate increases are placed before the renewal comes in the mail to allow us to be the ones to alert you instead of hearing through the mail.
  3. Have a claim? This is usually not a “fun” experience, but we do our best to follow up regularly to make sure your questions and concerns are addressed in a timely fashion. We send an email with your adjuster’s name and contact information so it is available at your fingertips if ever needed. We do our absolute best to keep you happy during what can sometimes be an unnerving experience.
  4. Need to change a vehicle on your policy? We do our best to get you off the phone quickly to get you right back to your day. Need to pay a bill? We can assist you with that as well in a timely manner. Adding a driver? We let you know what you need to get to us so the process is finished as quickly as possible.
  5. One-call Insurance Company. Unlike calling a company which can take several minutes out of your day waiting to get a human on the phone, we are a “one-call company.” We are able to assist with auto, home, life and commercial insurance policies all at the same place making it a huge convenience for you.
  6. One call gets you quotes from 8 great companies! We do the shopping for you! We have several companies available to us which makes finding the best rates easier than it would be for you to check each company individually on your own.

If you have been using the internet to find the best rates for you, I encourage you to give Preferred Insurance Center a shot. Who knows?! We may be able to increase your coverage’s and save you money along the way!  Click Here to get a quote!

Yours truly,
Andrea AbouJaoude | Service Specialist

Andrea-Cropped-2

Healthy Holiday Eating Tips

During the holiday season it seems that every event and every gathering involves food. Even many workplace settings have displays of holiday snacks sitting around for employees. Obviously, not all of the food that tempts you during the holidays falls into the healthy food category. Therefore, before the holidays arrive, it’s good to prepare an eating strategy that will prevent weight gain and enable you to stick with your healthy eating regimen.

Don’t skip meals. Keep your usual healthy eating routine, but reduce the amount slightly if you are planning to attend a luncheon, dinner or evening party. Never arrive at a holiday party hungry, even if you have to grab a quick, healthy snack as you leave home and eat it on the way to the party.

When you attend a pot luck event, take a healthy dish that you love. Then you’ll be sure to have at least one healthy food choice. Be conservative with the amount of food you eat at a buffet. If you have options, choose a small plate for a buffet meal. Select the healthiest options available and don’t go back for seconds.

Parties and holiday events are not the only opportunity you have to veer off the healthy eating track. A trip to the mall offers intense temptations. All of the wonderful aromas and beautiful food displays are hard to resist. It’s the holidays, go ahead and indulge in a small treat at a coffee shop or bakery while you’re shopping. Just be sure to keep it small and don’t buy sweet treats to take home.

During the holidays, a trip to the grocery store also exposes you to more than the average amount of unhealthy food options. On the other hand, if you shop in the right areas, such as the produce department, you can find some wonderful seasonal produce to indulge in without guilt. There’s lots of beautiful, delicious fruit available around the holidays.

Simple Ways of Preventing Diabetes Through Diet

Simple Ways of Preventing Diabetes Through Diet

diabetes-prevention-diet

Diabetes is an issue that not only plagues far too many Americans, the number of people who suffer from diabetes is growing in both adults and young adults alike. It’s a frightening thought, especially knowing that, despite being a disease that’s inheritable through family genes, diabetes is preventable through diet and exercise. With that being said, here are some great tips that will not only help prevent diabetes, but will help you down a road towards a healthier lifestyle.

  • Cutout the Junk: One way to lower your risk for type 2 diabetes is to avoid the empty calories that come with taking in an abundance of sugar-filled foods. Diet change is incredible difficult, but avoiding sweets and other sugary junk foods is a major key to fighting the battle against diabetes.
  • Whole Grain: Things such as bread and pasta are chock full of unnecessary flours and refined sugars, so the next time you go grocery shopping, choose the whole grain options. Whole grain is perceived as being less tasty than regular pastas and breads, but I think you’ll be surprised by how good they actually taste.
  • Trans Fat: Trans Fats can lead to obesity as well as greatly increase your risk for heart disease, both of which are major factors in developing type 2 diabetes. So I think it goes without saying that you should avoid Trans Fats at all costs.
  • Smaller Portions: It’s difficult not to load your plate up with all that delicious food. That second helping? Well, that’s pretty tempting, too. Portion control is a major factor in obesity, and obesity is a major factor in developing diabetes, so lowering your portions is a must.
  • Curb Alcohol Intake: Alcohol contains plenty of empty calories and can also cause high blood sugar, so drinking in moderation is greatly advised. In fact, the key to healthy living is moderation.
  • Drink More Water: Constantly drinking beverages that are high in sugar content, such as soft drinks, energy drinks, etc., can greatly increase your blood sugar, so keep it in check by drinking more water. Water gets a bit of a bad rap for being bland, however, if you drink water on a constant basis, you will develop a real taste for it. In fact, I bet you learn to love it, and the health benefits are astronomical!

Making diet changes is tough, but living with a disease such as diabetes is a lot more difficult, so I encourage you to look at your diet and see where you can make changes. It doesn’t have to be overnight. In fact, trying to rush into something can often result in failure, so take things slow and gradually make small changes here and there. Your body and your family will thank you for it!

UV Rays and Skin Cancer

UV Rays and Skin Cancer

Everyone knows that too much sun can cause sunburns and skin damage, but good protection methods are not as well-known. The best methods, wearing sunscreen and modest clothing, work great if you’re planning on being outside for a while. But what about some other protective techniques?

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UV rays are considered to be a carcinogen, and is the main cause of melanoma and other types of skin cancer. UVA rays go deeper into the skin and are responsible for aging, but UVB rays make the skin look red and burned. These rays also damage connective tissues in the body. UVA rays are the most common type of ultraviolet radiation at the earth’s surface.

Besides wearing protective clothing or sun block, the best thing to do is to be in the shade during the heat of the day, especially between the hours of 10am and 3 pm. If you are outside during this time period, consider alternating time spent in the shade and in the sunlight, to avoid too much exposure. Even small changes such as wearing makeup with an SPF of 15 will help protect the skin of your face. Additionally, weather prediction services sometimes offer a UV Index, which can predict, on a scale from 1 to 15, the risk of UV exposure for a given day. Higher numbers indicate greater risk. To protect yourself, avoid excessive time outdoors on days with a high UV index.

UV rays are the main cause of all types of skin cancer. However, there are a large number of ways you can protect yourself and your family from damages that these dangerous rays can cause.

Laughing & Your Health

Laughing & Your Health

 

 

 

smile

The old phrase “laughter is the best medicine” appears to have some clinical truth. A number of small studies indicate that laughing can have measurable physical benefits on the body. Though the exact reasons why this is so are not clear, people can help to improve their overall health by enjoying a good laugh.

What Happens When People Laugh
When people laugh they move and breath in different ways than they do normally. Muscles of the face and neck get additional movement. More oxygen is taken in that is sent throughout the body. The muscles of the chest and abdomen are contracted, massaging inner organs. These changes can help to provide better delivery of blood and oxygen and better nourishment for cells throughout the whole body.

Reducing Stress
Laughter has the ability to lower stress because a number of reactions. The increased blood flow helps to soothe nerves and muscles. The mental effort of following a joke also distracts the person from problems and troubles, which provides much-needed relief from stress. In addition, laughter is often part of social gatherings and activities, which are also helpful in reducing stress.

Lowering Blood Sugar
A study of people with diabetes was done in which their blood sugar was measured after eating a meal. Some were shown a comedy and some were not. Those that saw the comedy were found to have lower blood sugar levels than those who did not see the comedy. The researchers concluded that the action of laughter helped to burn off the blood sugar much as if they had engaged in physical activity.

Increasing Immune Function
Engaging in laughter appears to also help in boosting immune system activity throughout the body, helping people to fight off infection and prevent disease. Laughter helps the body to repair itself.

Improve Mental Function
Laughter is a response to humor, and humor comes from creativity and the unexpected linking of concepts. Humor and laughter cause you to use your brain in new ways and can help with mental acuity, memory and alertness.

Which Fireworks Cause the Most Injuries Per Year?

According to the American Pyrotechnics Association, nearly a billion dollars was spent on fireworks in the United States in 2012. Two-thirds of that amount came from the sale of consumer fireworks — that is, people who buy fireworks from retailers for their personal use.

Privately-owned fireworks provide a lot of entertainment for those who use them properly, but they also have the potential for serious harm. The Consumer Product Safety Commission reports that 200 people go to emergency rooms for treatment of fireworks-related injuries each day in the month surrounding the Independence Day holiday. While most of these injuries are not life-threatening, they can be avoided altogether by safety-conscious users.

Anyone who uses fireworks must keep in mind that he (or she — one-third of the injuries are to females) is dealing with an explosive device. Nearly half of all fireworks-related injuries are to the hands and fingers, so when you light a firecracker, set it down, light the fuse and then move away quickly. If it doesn’t go off, don’t try to relight it; dowse the dud with water and move on. Also, don’t make the mistake of assuming that some fireworks, like sparklers, are safe for children because they don’t explode. Sparklers burn at 1,200 degrees Fahrenheit, nearly hot enough to melt aluminum, and can cause third-degree burns.

The most cost-effective way to enjoy fireworks is to let someone else set them off. For a fraction of what you would spend at your roadside stand, you can take the family to the local park to see the public display, and have enough left over for ice cream afterwards. But don’t be afraid to light up your personal stash of whistlers and bottle rockets — provided, of course, that they’re legal in your area. Just remember what your mother always told you — be careful. And check your homeowner’s insurance policy to make sure you have enough coverage — just in case.

Great quote about family

Great quote about family

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” You can kiss your family and friends goodbye and put miles between you, but at the same time you carry them with you in your heart, your mind, your stomach, because you do not just live in a world but a world lives in you.”   Frederick Buechner,  Telling
the Truth

This picture is proof that this quote is so true.   #PreferredMovement

6 ‘Cool’ Ways to Prevent Sunburn this Summer

6 ‘Cool’ Ways to Prevent Sunburn this Summer

Summer

The Summer season is well upon us, and with it has already come numerous gruelingly hot days, and things will likely only get worse as we get deeper into the season. while fun in the sun is, well, fun, we must remain aware that the sun poses a constant threat to the health of our skin if we aren’t taking the right measures to keep it fully protected. As a way to help keep your skin safe from the scorching touch of the sun, I have complied a list of 6 easy to follow sunburn prevention tips to keep you and your family’s skin safe throughout the Summer months!

  • Avoid Peak Tanning Hours (PTH), which is the time of the day when the sun’s UV rays are by far the strongest. These peak tanning hours come between 10 am and 4 pm, so it is best to go out before or wait until afterwards to chillax in the sun.
  • If you need to be outside during these times, try to spend it in the shade. Trust me when I say you’ll still get some color without being fully berated by skin damaging UV rays!
  • Try wearing a hat with a wide enough brim to cover your neck, ears and face from the sun’s rays.
  • Clearly sunscreen is one of the most important things on this list, so it is apparent that you use a broad-spectrum sunscreen with an SPF of at least 15 or better to protect your skin.
  • When applying your sunscreen, don’t forget to use a chap stick or lip balm with an SPF of 15 or higher to protect your lips.
  • Putting on sunscreen and lip balm will be of a great help, but it is important to remember to reapply both every couple of hours, and even more so if you are out swimming or at the beach.

And there you have it, folks! 6 cool ways to keep your skin healthy and safe from the overpowering rays of the sun! Hopefully these sunburn tips help keep you from having to suffer from burnt, peeling skin for the rest of the Summer!