SouthGroup Gulf Coast - Your Trusted Choice

National Drive Safely Week

angelyn@astsolutions.com (Angelyn S. Treutel, CPA) — Thu, 07 Oct 2010 23:35:00 +0000

In support of Drive Safely Work Week, Zurich, a leading insurer shared an interactive video “Drive focused, drive safe,” for consumers and businesses. https://www.brainshark.com/zurich/DriveSafe

“It is senseless and tragic that lives are being lost for the sake of a phone call or a text, personal or business-related,” said Armand Fernandez, Chief Risk Engineering Officer, Zurich Services Corporation. “In the business world alone, there have been numerous vicarious liability cases that resulted in multi-million dollar settlements and caused reputational damage for the liable company. Senior leaders and business owners should communicate and reinforce the need for focused driving without the use of electronic communication devices.”

For your safety, the video reminds us to not drive distracted. Just a split second of distraction can result in tragedy and a life of pain.

To help you through the maze of coverages, carriers, premiums, and ways to save money on your insurance, if you are in Mississippi, Lousiana, or Alabama contact your Trusted Choice agent, Treutel Insurance - http://http//www.southgroupgulfcoast.com , Angelyn at SouthGroup Gulf Coast. You can reach us by email: atreutel@southgroup.net , phone:228-466-4498, fax:888-415-8922, FaceBook www.facebook.com/southgroup-gulfcoast , Twitter www.twitter.com/atreutel!

We offer the following Lines of Coverage: Auto, Home, Life, Health, Disability, Motorcycle, Boat, Wind, Flood, Commercial Property, General Liability, Workers Compensation, Directors and Officers Liability, Bonds, Group Life and Health/Dental, Business Owners, Builders Risk, Commercial Crime, Errors and Omissions, Dwelling Fire, Commercial Flood, Group Accident, Garage Dealers, Inland Marine, Law Enforcement Liability, Pollution Liability, Professional Liability, Personal Umbrella, Commercial Fire, Commercial Umbrella, Excess Flood, Identity Theft, more…

How to Buy Auto Insurance - It's NOT All About Price!

angelyn@astsolutions.com (Angelyn S. Treutel, CPA) — Wed, 22 Sep 2010 04:15:00 +0000

Onlineautoinsurance.com shared some very good advice in their article on "Price Is Just One Component of Quality Auto Insurance". It's best to search for good value rather than pay good money for a policy that will not protect you when you have a claim. Savvy consumers should be certain that they are dealing with a reputable company with a strong financial background and good claims service.

Purchasing coverage from a cheap auto insurance company may satisfy state requiremements, but it does you no good if your policy won't cover your damages resulting from an accident. The National Association of Insurance Comissioners (NAIC) recognizes that state minimums are "generally low" and that "the extra cost of higher coverage tends to be relatively low."

Consumers can obtain financial ratings of insurance carriers from http://www.ambest.com/. Companies with an "A" rating are more financially sound than those with a "B" and so forth.

To help you through the maze of coverages, carriers, and premiums, if you are in Mississippi, Lousiana, or Alabama contact your Trusted Choice agent, Treutel Insurance - http://http//www.treutel.com , Angelyn at Treutel Insurance. You can reach us by email: info@treutel.com , phone:228-467-5662, fax:228-466-4314, FaceBook www.facebook.com/treutel.insurance , Twitter www.twitter.com/atreutel , or LiveChat: http://chat.livechime.com/treutel/blog , or on our new iPhone app http://itunes.apple.com/us/app/treutel-insurance-agency-your/id385707740?mt=8 !

We offer the following Lines of Coverage: Auto, Home, Life, Health, Disability, Motorcycle, Boat, Wind, Flood, Commercial Property, General Liability, Workers Compensation, Directors and Officers Liability, Bonds, Group Life and Health/Dental, Business Owners, Builders Risk, Commercial Crime, Errors and Omissions, Dwelling Fire, Commercial Flood, Group Accident, Garage Dealers, Inland Marine, Law Enforcement Liability, Pollution Liability, Professional Liability, Personal Umbrella, Commercial Fire, Commercial Umbrella, Excess Flood, Identity Theft, more…

The Value of an Agent - Saves You Time and MONEY!

angelyn@astsolutions.com (Angelyn S. Treutel, CPA) — Thu, 09 Sep 2010 20:45:00 +0000

As the massive healthcare changes are pushed through our country, your agent will be even more critical in helping you find policies that meet your needs --- and your budget. Trusted Choice agents are extensively trained to help individuals and businesses obtain the coverages that are right for them. The Congressional Budget Office states that agents often "handle the responsibilities that larger firms generally delegate to their human resources departments -- such as finding plans and negotiating premiums, providing information about the selected plans, and processing enrollees."

The National Association of Health Underwriters noted that agents have been made "punching bags" in the media. Time magazine and Kaiser Health News are forecacsting the demise of agents ... but don't believe it!

Your agent provides personalized service and assists you with the complexities of the insurance contract. You wouldn't make legal transactions without the advice of an attorney! You wouldn't agree to surgery without consulting a professional! Why would you enter into a contract from a computer or 800 number or buy insurance in a box? Your agent is trained to understand coverages and can assist you in your decisions throughout the changes of your life - purchasing your first car, getting married, buying a home, having children, buying expensive toys .... your agent is with you through it all and lives in your community and is there when you need them providing Protection When You Need It Most.

If you are in Mississippi, Lousiana, or Alabama contact your Trusted Choice agent, Treutel Insurance - http://http//www.treutel.com , Angelyn at Treutel Insurance. You can reach us by email: info@treutel. , phone:228-467-5662, fax:228-466-4314, FaceBook www.facebook.com/treutel.insurance , Twitter www.twitter.com/atreutel , or LiveChat: http://chat.livechime.com/treutel/blog , or on our new iPhone app http://itunes.apple.com/us/app/treutel-insurance-agency-your/id385707740?mt=8!

We offer the following Lines of Coverage: Auto, Home, Life, Health, Disability, Motorcycle, Boat, Wind, Flood, Commercial Property, General Liability, Workers Compensation, Directors and Officers Liability, Bonds, Group Life and Health/Dental, Business Owners, Builders Risk, Commercial Crime, Errors and Omissions, Dwelling Fire, Commercial Flood, Group Accident, Garage Dealers, Inland Marine, Law Enforcement Liability, Pollution Liability, Professional Liability, Personal Umbrella, Commercial Fire, Commercial Umbrella, Excess Flood, Identity Theft, more…

Do You Know What Your Home Insurance Really Covers?

angelyn@astsolutions.com (Angelyn S. Treutel, CPA) — Wed, 25 Aug 2010 00:57:00 +0000

WOW! According to a survey conducted by MetLife, 31% of Americans don’t know how much their home insurance coverage is, according to an Insurance Literacy survey. Many don’t know the difference between replacement cost and market value. Most believe their policy will pay “full cost” to rebuild their home after a major loss, and they don’t understand how the deductible applies.

More than half stated that they would rather pay more than not be covered for a loss. The BEST VALUE is to select coverage that meets your needs, instead of just seeking the lowest price. Your Trusted Choice agent can help you get value for the money you pay.

Did you know - you have options available to protect the data and programs on your mobile devices?
Did you know – your college kids living on campus may be covered under your current home policy?
Did you know – earth movement and earthquake is not typically covered under a home policy and may require an endorsement or a separate policy?
Did you know – water or sewer backup into your home is typically not covered without adding an endorsement?
Did you know – there are limitations on your home policy for jewelry and collectibles?

Your Trusted Choice agent will spend time with you and explain what your policy really covers. Insurance is a complex contract and NOT something you can buy “in a box”, even though advertisers try to convince you to believe this.

If you are in Mississippi, Lousiana, or Alabama contact your Trusted Choice agent, Treutel Insurance - http://http//www.treutel.com , Angelyn at Treutel Insurance. You can reach us by email: info@treutel.com , phone:228-467-5662, fax:228-466-4314, FaceBook www.facebook.com/treutel.insurance , Twitter www.twitter.com/atreutel , or LiveChat: http://chat.livechime.com/treutel/blog , or on our new iPhone app http://itunes.apple.com/us/app/treutel-insurance-agency-your/id385707740?mt=8 !

We offer the following Lines of Coverage: Auto, Home, Life, Health, Disability, Motorcycle, Boat, Wind, Flood, Commercial Property, General Liability, Workers Compensation, Directors and Officers Liability, Bonds, Group Life and Health/Dental, Business Owners, Builders Risk, Commercial Crime, Errors and Omissions, Dwelling Fire, Commercial Flood, Group Accident, Garage Dealers, Inland Marine, Law Enforcement Liability, Pollution Liability, Professional Liability, Personal Umbrella, Commercial Fire, Commercial Umbrella, Excess Flood, Identity Theft, more…

Lessons Learned from Hurricane Katrina

angelyn@astsolutions.com (Angelyn S. Treutel, CPA) — Sat, 07 Aug 2010 14:49:00 +0000

The Insurance Information Institute offers advice on how to be prepared for the next Katrina, as we commemorate the 5th anniversary of the death and devastation from that horrific storm. Certainly the hurricane was a major catastrophe, but almost as bad, many individuals and businesses suffered a second tragedy after the storm .... because they were not properly insured.

LESSONS LEARNED:
1) Be sure you have flood insurance.
2) Businesses need businesss interuption coverage.
3) Strengthen your property NOW with wind and flood mitigation upgrades and you will SAVE MONEY on your current home and business insurance (i.e.roof enhancements, windows and door protection, clear overhanging limbs and trees within 15 feet of your home, elevate low-lying structures and equipment, etc)
A great guide is located on the Mississippi Windstorm Underwriting website (www.msplans.com/MWUA) under the MWUA Retrofit Mitigation Guidelines link). Other excellent information is available at the Institute for Business and Home Safety website (http://www.disastersafety.org/) with downloads on Fortified structures.
4) Take a current inventory of your belongings for an easier claim process (i.e. use your camera or FLIP to take pictures or use free inventory software from III.
5) Have a disaster preparedness plan, so that you can quickly get "back into business".
6) Review your policies with your Trusted Choice Insurance Agent to ensure your property and content values are updated, so that you are not underinsured.
7) For your safety, follow the advice of the officials if you are told to evacuate. Some policies even offer a limited reimbursement program for mandatory evacuations. Check your policy.

If you are in Mississippi, Lousiana, or Alabama contact your Trusted Choice agent, Treutel Insurance - http://http//www.treutel.com , Angelyn at Treutel Insurance. You can reach us by email: info@treutel.com , phone:228-467-5662, fax:228-466-4314, FaceBook www.facebook.com/treutel.insurance, Twitter www.twitter.com/atreutel , or LiveChat: http://chat.livechime.com/treutel/blog.

We offer the following Lines of Coverage: Auto, Home, Life, Health, Disability, Motorcycle, Boat, Wind, Flood, Commercial Property, General Liability, Workers Compensation, Directors and Officers Liability, Bonds, Group Life and Health/Dental, Business Owners, Builders Risk, Commercial Crime, Errors and Omissions, Dwelling Fire, Commercial Flood, Group Accident, Garage Dealers, Inland Marine, Law Enforcement Liability, Pollution Liability, Professional Liability, Personal Umbrella, Commercial Fire, Commercial Umbrella, Excess Flood, Identity Theft, more…

How Your Lifestyle Impacts Your Auto Insurance

angelyn@astsolutions.com (Angelyn S. Treutel, CPA) — Mon, 26 Jul 2010 16:03:00 +0000

Insurance Journal just published an interesting article titles "Drivers Beware: Lindsay Lohan Offers Lessons in Auto Insurance".

The article shares how risky behavior impacts your insurability and your rates. Using Lindsey Lohan as an example, with 2 DUIs, an at-fault accident, a single 24 year old female driving a convertible in California would pay over $7400 every six months for auto insurance. A driver with a clean driving record would only pay around $2000 every six months. Quite a difference!

Risky behavior also could impact life insurance rates. So the moral of the story is to work diligently to keep your driving record clean and keep good credit to obtain the most favorable insurance rates. A DUI can stay on your record for 10 years!

If you are in Mississippi, Lousiana, or Alabama contact your Trusted Choice agent, Treutel Insurance - http://http://www.treutel.com// , Angelyn at Treutel Insurance. you can reach us by email:info@treutel.com, phone:228-467-5662, fax:228-466-4314, FaceBook, Twitter, or LiveChat:chat.livechime.com/treutel/blog.

We offer the following Lines of Coverage: Auto, Home, Life, Health, Disability, Motorcycle, Boat, Wind, Flood, Commercial Property, General Liability, Workers Compensation, Directors and Officers Liability, Bonds, Group Life and Health/Dental, Business Owners, Builders Risk, Commercial Crime, Errors and Omissions, Dwelling Fire, Commercial Flood, Group Accident, Garage Dealers, Inland Marine, Law Enforcement Liability, Pollution Liability, Professional Liability, Personal Umbrella, Commercial Fire, Commercial Umbrella, Excess Flood, Identity Theft, more…

Crazy Vehicles on a Road Near You!!

angelyn@astsolutions.com (Angelyn S. Treutel, CPA) — Sun, 18 Jul 2010 02:24:00 +0000

Don't miss the great slideshow of fun cars you may see on the highway - a Phone Car, a Three Wheel Car, a Corvette Stationwagon, a Clown Car, a Ghostbusters Wagon, a Pumpkin Chucker, a Star Wars Landcruiser, and more.

When you get one of these crazy vehicles, if you are in Mississippi, Lousiana, or Alabama, contact your Trusted Choice agent, Treutel Insurance - http://www.treutel.com/ / , Angelyn at Treutel Insurance. you can reach us by email:info@treutel.com, phone:228-467-5662, fax:228-466-4314, FaceBook, Twitter, or LiveChat:chat.livechime.com/treutel/blog.

We offer the following Lines of Coverage: Auto, Home, Life, Health, Disability, Motorcycle, Boat, Wind, Flood, Commercial Property, General Liability, Workers Compensation, Directors and Officers Liability, Bonds, Group Life and Health/Dental, Business Owners, Builders Risk, Commercial Crime, Errors and Omissions, Dwelling Fire, Commercial Flood, Group Accident, Garage Dealers, Inland Marine, Law Enforcement Liability, Pollution Liability, Professional Liability, Personal Umbrella, Commercial Fire, Commercial Umbrella, Excess Flood, Identity Theft, more…

Be Prepared for a Disaster - Tax & Insurance Advice

angelyn@astsolutions.com (Angelyn S. Treutel, CPA) — Mon, 12 Jul 2010 14:50:00 +0000

The IRS just issued a Summertime Tax Tip which is also good advice for your insurance coverage! Safeguarding your records will provide you with better information for tax deductions and insurance claims. Simple steps can keep you prepared:

1. Recordkeeping - With today's technology, you can easily take advantage of paperless recordkeeping for important documents such as tax returns, appraisals, reciepts for major purchases, etc.

2, Document Valuables - A room-by-room inventory is extremely helpful in reconstructing records folowwing a disaster. Consider photographing or videoing your contents. Be sure to store the pictures/videos in a safe place outside of your home or business. Multiple copies are recommended.

3. Update Emergency Plans - You and your family are the most important assets. Think through your emergency and/or escape plans NOW. Keep a battery operated weather/news radio and flashlights ready. Evacuate when directed by authorities.

4. Count on Your Agent - Know how to contact your local Trusted Choice agent following a loss, so they can assist you through the claim process. Don't rely on a 800 number - you need a person to talk to! In the event of a federally-declared disaster, be aware that the IRS may provide you with assistance on filing.

Your Trusted Choice agent (http://www.treutel.com/ /) can assist you in placing coverage and reviewing your current coverage for adequacy. If you are in Mississippi, Lousiana, or Alabama contact your Trusted Choice agent, Treutel Insurance - http://www.treutel.com/ / , Angelyn at Treutel Insurance. You can reach us by email: info@treutel.com , phone:228-467-5662, fax:228-466-4314, FaceBook, Twitter, or LiveChat:chat.livechime.com./treutel/blog or through our 24/7 Client Service Portal.

HURRICANE SEASON - What happens when oil is in flood water???

angelyn@astsolutions.com (Angelyn S. Treutel, CPA) — Fri, 11 Jun 2010 18:26:00 +0000

Thankfully, BEFORE the actual event, FEMA has issued guidance on on the looming issue of oil and water claims which could result from a hurricane surge in the Gulf. FEMA has issued Bulletin W-10065 to clarify coverage under these circumstances (attached).

Coverage for Commercial buildings and contents damaged by pollutants is limited to $10,000. Coverage for Residential buildings and contents is only limited by the selected policy limits and is limited to direct physical damage.

Coverage is only provided for structures. There is no coverage for grounds or soil damage. There is no coverage for special removal methods used to comply with local ordinances.

Flooding (and anything carried in with the water, such as oil) is typically EXCLUDED from home and propoerty policies, so be certain you have flood insurance to protect your assets. And remember that in most cases, there is a 30 day waiting period for flood coverage to begin, and you must purchase DWELLING and CONTENTS coverage separately. Your Trusted Choice agent (http://www.treutel.com/) can assist you in placing flood coverage.
If you are in Mississippi, Lousiana, or Alabama contact your Trusted Choice agent, Treutel Insurance - http://www.treutel.com/ , Angelyn at Treutel Insurance. You can reach us by email: info@treutel.com , phone:228-467-5662, fax:228-466-4314, FaceBook, Twitter, or LiveChat:chat.livechime.com./treutel/blog or through our 24/7 Client Service Portal.

Hurricane Season is Here - Is Your Insurance Ready???

angelyn@astsolutions.com (Angelyn S. Treutel, CPA) — Sun, 30 May 2010 13:23:00 +0000

OK - It's back. We all know the drill. Hurricane season is upon us and we need to be ready --- again. Let's pray that the meteorologists are wrong, and that our season will be non-eventful .... but let's be prepared for the worst. Don't let your insurance situation become a SECOND disaster after a hurricane.

1) FLOOD DAMAGE IS NOT COVERED UNDER YOUR HOME OR FIRE POLICY. You need a SEPARATE policy for each structure on your property. There is a 30 DAY WAITING period for most flood insurance policies. Contact Treutel Insurance for this valuable coverage!

2) Make or request a summary of your insurance coverages. Be sure that your coverages are adequate and that your mortgage / lienholders are accurate. Contact Treutel Insurance for needed assistance.

3) Make personal preparations for your home and business, and email Treutel Insurance with your contact information if you must evacuate. This will expedite the claims processing.

4) Following a storm or any extreme weather, take pictures, make a list of damaged items with estimated pricing, and DON'T THROW ANYTHING AWAY until an adjuster has seen it. Your adjuster will review which items are covered under your policy.

5) If you are in Mississippi, Lousiana, or Alabama contact your Trusted Choice agent, Treutel Insurance - http://www.treutel.com//, Angelyn at Treutel Insurance. You can reach us by email:info@treutel.com, phone:228-467-5662, fax:228-466-4314, FaceBook, Twitter, or LiveChat:chat.livechime.com/treutel/blog or through our 24/7 Client Service Portal.

Are You Ready for the Next Disaster?

angelyn@astsolutions.com (Angelyn S. Treutel, CPA) — Tue, 25 May 2010 18:35:00 +0000

Look out !! Here it comes !!! Another disaster !!!

Oil Spill, hurricane, earthquake, tornado, flood, extreme weather .... everywhere you live, you are at risk for a disaster. do you have the right insurance coverage to help you recover from your loss? Trusted Choice just conducted a survey which revealed that only 22% of the responders felt they were prepared. What a sobering statistic!

For your own protection, setup a disaster and emergency plan for your family and business, make a video of your household belongings and business property or take an inventory, have supplies on hand (flashlights, canned food, etc) in the event you lose power for an extended time, AND MOST IMPORTANT, make sure that you have the right insurance coverage to protect what you have built through your lifetime.

Trusted Choice® and the Big “I” offer information on disaster readiness and recovery tips for consumers.
•Hurricanes
•Flooding
•Tornadoes
•Earthquakes
•Wildfires
•Where to start your disaster preparedness plan
•How to prepare a home inventory
•How to storm-proof your home

A Trusted Choice agent can help you understand your policy coverages and will recommend coverages which you need for your protection and help you save money on insurance.

If you are in Mississippi, Lousiana, or Alabama contact your Trusted Choice agent, Treutel Insurance - http://www.treutel.com// , Angelyn at Treutel Insurance. you can reach us by email:info@treutel.com, phone:228-467-5662, fax:228-466-4314, FaceBook, Twitter, or LiveChat:chat.livechime.com/treutel/blog.

We offer the following Lines of Insurance Coverage: Auto, Home, Life, Health, Disability, Motorcycle, Boat, Wind, Flood, Commercial Property, General Liability, Workers Compensation, Directors and Officers Liability, Bonds, Group Life and Health/Dental, Business Owners, Builders Risk, Commercial Crime, Errors and Omissions, Dwelling Fire, Commercial Flood, Group Accident, Garage Dealers, Inland Marine, Law Enforcement Liability, Pollution Liability, Professional Liability, Personal Umbrella, Commercial Fire, Commercial Umbrella, Excess Flood, Identity Theft, more…

The Right Way to Buy Insurance

angelyn@astsolutions.com (Angelyn S. Treutel, CPA) — Sat, 08 May 2010 20:27:00 +0000

Everday we are bombarded with print ads or popups online trying to get our insurance business. When you shop for insurance, you have many options through online avenues or an agent.

Online information may be able to assist with reseaching coverages and pricing at your convenience. However, making a bad decision on your insurance could be very costly if you end up with inadequate coverage and you have a loss.

A professional insurance agent can help you navigate through the complexities of insurance shopping, in the same way your CPA assists you with taxes, or your lawyer works with you on legal issues. A Trusted Choice agent is an educated, consumer-oriented, advocate for their clients. They do the legwork of researching and locating options for pricing, and they can advise you on appropriate levels of coverage for your best protection.

Be sure that you:
•Choose an insurance policy with a secure and trusted insurance company.

•Choose a company that always answers your insurance quote and insurance policy questions specifically and accurately to avoid any gaps in coverages.

•Don't forget to ask the agent to go over all the insurance discounts available to you.

•Make sure you understand your insurance policy.

If you are in Mississippi, Lousiana, or Alabama contact your Trusted Choice agent, Treutel Insurance - http://www.treutel.com/ , Angelyn at Treutel Insurance. you can reach us by email:info@treutel.com, phone:228-467-5662, fax:228-466-4314, FaceBook, Twitter, or LiveChat:chat.livechime.com/treutel/blog.

We offer the following Lines of Coverage: Auto, Home, Life, Health, Disability, Motorcycle, Boat, Wind, Flood, Commercial Property, General Liability, Workers Compensation, Directors and Officers Liability, Bonds, Group Life and Health/Dental, Business Owners, Builders Risk, Commercial Crime, Errors and Omissions, Dwelling Fire, Commercial Flood, Group Accident, Garage Dealers, Inland Marine, Law Enforcement Liability, Pollution Liability, Professional Liability, Personal Umbrella, Commercial Fire, Commercial Umbrella, Excess Flood, Identity Theft, more…

Hancock Chamber Helps Small Businesses Use Social Networking Tools to Increase Profits

angelyn@astsolutions.com (Angelyn S. Treutel, CPA) — Fri, 16 Apr 2010 15:08:00 +0000

Hancock Chamber Helps Small Businesses Use Social Networking Tools to Increase Profits

Friday, April 23rd Coffee Call at 8am at Kiln Library

With all of the talk on using social media to increase business, the Hancock Chamber is making plans to bring this important information to the community. The Hancock Chamber will host a Coffee Call meeting on Friday, April 23 from 8am – 9:30am at the Kiln Public Library on Highway 603. The session, conducted by Angelyn S. Treutel, CPA of Treutel Insurance, will offer guidance on how your business can benefit from social networking, a cost effective method to extend marketing reach and improve client contact, service and sales. During the session, information will be provided on sites and free online tools a business may use; how to budget time spent on social web marketing; and how to tie in your social networking and internet marketing with your business website to create an integrated Internet presence and brand. Tools will also be provided to assist in establishing a social media policy for employees. This event is brought to the community by the Alumni Association of the Hancock Leadership Program and the Women’s Leadership Roundtable, both programs of the Hancock Chamber. The fee for members to attend is $10 per person to cover the cost of breakfast. Non members can attend for a fee of $15 per person. To register call: 228-467-9048 or CLICK HERE TO REGISTER ONLINE.

Hancock County, Chamber, business owner, small business, economic impact

Exciting Fun at the Bay Bridgefest

angelyn@astsolutions.com (Angelyn S. Treutel, CPA) — Sun, 21 Mar 2010 18:06:00 +0000

You won't want to miss this year's Bay Bridgefest in old towne Bay Saint Louis MS on May 15 10AM - 7pm. Check out http://www.baybridgefest.org/. The festivities begin on May 14 from 6-9pm with a Patron's MASH party. At 8am on May 15, the 5K Run and Artwalk across the Leo Seal Bay Bridge (starting on the Pass Christian side). Following the Run/Walk, at 10am the Bay Bridgefest begins with lots of fun for families and kids, lots of food and a showcase of artwork and music.

RESERVE YOUR VENDOR SPOT OR BECOME A SPONSOR NOW!!! SIGN UP FOR THE 5K RUN/ARTWALK (large file - allow 60 seconds for download) !!

TREUTEL INSURANCE IS A PROUD HANCOCK COUNTY CHAMBER SPONSOR!
If you need assistance with your insurance needs or want to save money on insurance, contact Angelyn at Treutel Insurance Agency, http://www.treutel.com//, your Trusted Choice. We are licensed to write all lines of insurance in Mississippi, Alabama, and Louisana, and you can reach us by mailto:info@treutel.com, phone:228-467-5662, fax:228-466-4314, FaceBook, or livechat:chat.livechime.com/treutel/blog.

Anywhere It Rains, It Can Flood - Flood Safety Awareness Week

angelyn@astsolutions.com (Angelyn S. Treutel, CPA) — Tue, 16 Mar 2010 23:17:00 +0000

Last year there were more than 5600 floods in the US with property damage in excess of $5.6 billion. In the last 5 years, there were over 26,000 floods exceeding $198 billion in damage affecting EVERY STATE IN THE US. This week is National Flood Safety Awareness Week (March 15-19). FEMA has developed an informative website to help consumers understand the risk, protect family and homes, and recovery if needed.

The cost of flood damage is severe - 2 inches of flood water will cost $7800 for repairs; 12 inches will cost your almost $19,000; and 18 inches will set you back over $26,000.

If your home is in an area that does not typically flood, the insurance rates are less than $1/day - only $257 for $100,000 in coverage and only $348 for $250,000 in coverage. For less than the cost of buying pizza each month, you can have the peace of mind of protection from a flood loss.

If you need flood insurance or assistance with your insurance needs or want to save money on insurance, contact Angelyn at Treutel Insurance Agency, http://www.treutel.com/, your Trusted Choice. We are licensed to write all lines of insurance in Mississippi, Alabama, and Louisana, and you can reach us by email:info@treutel.com, phone:228-467-5662, fax:228-466-4314, FaceBook, or livechat:chat.livechime.com/treutel/blog.

Strange Scientific Research

angelyn@astsolutions.com (Angelyn S. Treutel, CPA) — Sun, 07 Mar 2010 17:26:00 +0000

Imagine conducting a study to determine which is worse – being hit over the head with a full beer bottle or an empty one? As it turns out, empty bottles are ‘sturdier’ because of the air pressure in the full bottles. Good to know.

Reader’s Digest reviewed several scientific studies that were, well, quite odd which made for fun reading.

Just in case of chemical-warfare, you may want to own a brassiere containing air-filters to use as a facemask (I will leave it to your imagination how that may work : ). Another discovery is that cows need affection – if they have a name, they produce more milk. And did you know that bacteria from a giant panda’s excretions can reduce kitchen waste – who thinks of these things ??? Check out these and other fun inventions at www.readersdigest.com/inventions.

And when you are ready for a serious discussion and assistance with your insurance needs or to save money on insurance, contact Angelyn at Treutel Insurance Agency, http://www.treutel.com/, your Trusted Choice. We are licensed to write all lines of insurance in Mississippi, Alabama, and Louisana, and you can reach us by email:info@treutel.com, phone:228-467-5662, fax:228-466-4314, FaceBook, or livechat:chat.livechime.com/treutel/blog.

February is American Heart Month-Keep Your Heart Healthy and Your Insurance Premium Low

angelyn@astsolutions.com (Angelyn S. Treutel, CPA) — Tue, 02 Feb 2010 03:44:00 +0000

Heart Disease is the number one cause of death in the US. Every 25 seconds, an American will have a coronary attack. The attacks lead to an average of one death per minute (souce of statistics).

You should be aware of symptoms that may indicate you are having an attack: chest discomfort, discomfort in arm, back, neck, jaw or stomach, and shortness of breath, or cold sweat, nausea, or lightheadedness. If you experience any of these signs, dial 911.

Exercising and maintaining a healthy diet are the best way to fight heart disease ... and get a lower insurance premium. Take this HEART CHECKUP QUIZ to find out your risk of having heart problems in the next 10 years.

Your Trusted Choice agent, http://www.treutel.com/, can provide you with multiple quotes from multiple carriers and advise you on coverages and available credits. Every day we work with our clients to provide better coverage and save them money! Contact us for a free-no-obligation quote. Reach us via CHAT, EMAIL, PHONE:228-467-5662, FAX:228-466-4314, or visit us at 401 Hwy 90 in Bay St Louis MS.

We are licensed to write coverage in Mississippi, Louisiana, and Alabama.

Avoiding Insurance Mistakes and Save Money Too

angelyn@astsolutions.com (Angelyn S. Treutel, CPA) — Mon, 11 Jan 2010 04:15:00 +0000

With the beginning of the new year, and New Year's resolutions, the Insurance Information Institute has shared some ways to avoid insurance problems and save some money.

1) Your home should be insured to its Replacement Cost (estimated cost to rebuild) and not to the current market value (what it would sell for on the Real Estate market). Underinsuring your home may lead to penalties in the event of a claim.
TO SAVE MONEY: Consider increasing your deductible to save insurance expense.

2) Select your insurance company by its service and financial soundness and NOT only on price. You need a Trusted company who will be available to respond to a claim quickly and fairly.

3) Get Flood Insurance. Home policies specifically exclude coverage for "rising water". Anywhere it rains, it can flood.

4) Purchase adequate liability coverage on your autos. The state minimums are not sufficient to protect your assets. You should carry at least $100,000 liability limits, and if you own a home, at least $300,000.
TO SAVE MONEY: Consider deleting comprehensive and collision coverage which pays to repair your vehicle in the event of an at-fault accident.

5) Purchase renters insurance to protect your belongings and provide liablity coverage in case someone gets hurt in your home/apartment.
TO SAVE MONEY: Look for companies that provide multi-policy discounts.

Your Trusted Choice agent, http://www.treutel.com/, can provide you with multiple quotes from multiple carriers and advise you on coverages and available credits. Every day we work with our clients to provide better coverage and save them money! Contact us for a free-no-obligation quote. Reach us via CHAT, EMAIL, PHONE:228-467-5662, FAX:228-466-4314, or visit us at 401 Hwy 90 in Bay St Louis MS.

We are licensed to write coverage in Mississippi, Louisiana, and Alabama.

Antivirus System Pro :(

angelyn@astsolutions.com (Angelyn S. Treutel, CPA) — Sat, 19 Dec 2009 15:06:00 +0000

Why do jerks do this? Why do they create software that takes over your computer and wastes valuable time and money .... especially in THIS economy? Why don't they use their skills for GOOD instead of EVIL??? This and many other questions lead me to my current blog .... the treachery of Antivirus System Pro :(

One of the ladies in my office realized she had a problem when the warning sounds came on --- there is a Trojan on your computer !! Quarantine or delete it ... she tried both, but neither worked. The warning came up again and again. She ran a virus scan with Avast and Mcafee, both of which identified the problem, but neither could fix. We googled eradication steps and spent 5 hours deleting, un-hijacking (check out HiJackThis - a great utility to have on your computer!). The porn and viagra pop-ups ceased, and the computer could access the internet, but our joy was brief....

The next day, the virus was BACK. Someone suggested downloading Malwarebytes (which is recommended on several forums), however, the virus would not allow it to work. So, another malware removal program was downloaded .... only to realize that it had ANOTHER VIRUS!!!

Well, enough of this!!! I had previously used McAfee's Virus Removal Service and they were wonderful. They can log into your computer remotely and kill the evil virus. (Why didn't we think of this sooner???!!!) The site is http://home.mcafee.com/Root/Support.aspx. The cost is $89.95 ... much less than an entire day of staff time!! And again, Mcafee saved the day (and the computer!) . They logged in and had the machine cleaned in about 30 minutes. Hooray!!

Next time, use McAfee's Virus Removal Service FIRST!!

Thank goodness that insurance is not as frustrating as eradicating a computer virus!! Your Trusted Choice agent, http://www.treutel.com/, makes your transaction pleasant and speedy, and we explain everything to you so you know what you are purchasing and that you are protected. Don't be "hi-jacked" by shopping only on price, because your Trusted Choice agent, Treutel Insurance Agency Inc will be sure you have good coverage and may even be able to SAVE YOU MONEY ON YOUR INSURANCE! Yesterday, we saved one of our wonderful clients over $1,000 per year over what he was paying with his previous auto insurance carrier .... a very nice Christmas present indeed. Merry Christmas!!!

Contact Treutel Insurance for all of your insurance needs. We are here for you! email: info@treutel.com, LIVE CHAT, FACEBOOK, MERCHANT CIRCLE, PHONE:228-467-5662, FAX:228-466-4314, or visit us at 401 Hwy 90 in Bay St Louis MS.

We are licensed to write coverage in Mississippi, Louisiana, and Alabama.

Also, check out our MOST BEAUTIFUL SNOWFLAKE contest which is running through the end of December at http://http://http://www.treutel.com///.

Where is the best place for auto insurance quotes?

angelyn@astsolutions.com (Angelyn S. Treutel, CPA) — Wed, 09 Dec 2009 15:57:00 +0000

Some advertisers would have you think that auto insurance can be purchased in a box. How wrong you would be to be manipulated by that type of poor advice! Today’s consumers are much more intelligent and should engage their local Trusted Choice agent (http://www.treutel.com/ on the Gulf Coast) to provide advice on available coverages and advocacy in the event of a claim.

Many factors affect pricing on insurance – age, driving record, vehicle, location, and other factors. Trusted Choice agents represent many different insurance companies and are able to provide you with CHOICE. A local agent is there when you need them – unlike a “box” or an 800 number.

Contact Treutel Insurance for all of your insurance needs. We are here for you! email: info@treutel.com, LIVE CHAT, FACEBOOK, PHONE:228-467-5662, FAX:228-466-4314, or visit us at 401 Hwy 90 in Bay St Louis MS.
We are licensed to write coverage in Mississippi, Louisiana, and Alabama.
Also, check out our MOST BEAUTIFUL SNOWFLAKE contest which is running through the end of December at http://http://www.treutel.com//.

How to Save Money on Auto Insurance

angelyn@astsolutions.com (Angelyn S. Treutel, CPA) — Sat, 21 Nov 2009 23:12:00 +0000

A CPI study completed for October 2009 reflected an 11% increase in auto rates over the past year. Nebraska (+20%) and Idaho (+15%) led the nation's increase, while Montana (-16%) and several southern states, Mississippi (-5%), Louisiana (-6%), and Georgia (-7%) actually benefitted from lower rates.

An article on About.com Top Ways to Turn Your Current Car Insurance Into Cheap Insurance recommends the following ways to lower your insurance cost:
- Add theft devices and/or window sketching
- Combine all vehicles in the household on one policy to obtain multi-car discounts
- Look for carriers offering 12-month policy (instead of 6 months)
- Check your mileage carefully. Many policies offer discounts for vehicles with low annual mileage.
- Increase deductibles on comprehensive and collision coverage (if you have a loan, you will need to verify that your lienholder will allow the higher deductible)
- Take Defensive Driving classes for a policy credit
- Combine policies with the same provider (auto and home, or auto and rental). The discounts can be significant.
- Watch your credit rating which could impact your rate. If your credit is a problem, you may wish to seek a carrier who does not check credit, although there are very few.
- Purchase an "insurance friendly vehicle" (i.e. Avoid sports cars and luxury vehicles and vehicles with a high theft history. Select vehicles that have low repair costs)

Your Trusted Choice agent, http://www.treutel.com/, can provide you with multiple quotes from multiple carriers and advise you on coverages and available credits. Every day we work with our clients to provide better coverage and save them money! Contact us for a free-no-obligation quote. Reach us via CHAT, EMAIL, PHONE:228-467-5662, FAX:228-466-4314, or visit us at 401 Hwy 90 in Bay St Louis MS.

We are licensed to write coverage in Mississippi, Louisiana, and Alabama.

Also, check out our MOST BEAUTIFUL SNOWFLAKE contest which is running through the end of December at http://www.treutel.com/.

Cellphone Medical Diagnosis

angelyn@astsolutions.com (Angelyn S. Treutel, CPA) — Sat, 14 Nov 2009 16:14:00 +0000

New software is being developed by American and Austrailian scientists that will allow a person to merely cough into their phone and obtain a diagnosis of their illness. (Source: news.discovery.com)

The software measures the "type of cough" (dry or wet, productive or non-productive) and the "intensity" and can determine whether a virus or bacteria is causing the cough. According to Dr Jaclyn Smith from University of Manchester "It could really improve disease diagnosis and help improve people's access to health care".

Preventive care is being promoted by most health insurers today and innovative applications will continue to improve our healthcare. Contact Angelyn or Becky at Treutel Insurance, http://www.treutel.com/, for information on health care insurance. Treutel Insurance is your Trusted Choice agent.

You can reach us by CHAT (chat.livechime.com/treutel/blog), FACEBOOK, email: info@treutel.com , phone: 228-467-5662, fax:228-466-4314, or visit us at 401 Hwy 90, Bay St Louis, MS 39520.

Which would you choose – chocolate, vanilla, or strawberry ice cream?

angelyn@astsolutions.com (Angelyn S. Treutel, CPA) — Wed, 04 Nov 2009 16:50:00 +0000

Which would you choose – chocolate, vanilla, or strawberry ice cream? A 2-bedroom condo only 10 minutes from the office or a 3-bedroom home 30 minutes from work?

In a book titled “How We Decide” by Jonah Lehrer, the author delves into the neuroscience behind our decision making. Our decisions are based on emotion and our connection to the topic. Decision-making has actually evolved over time, and we make decisions, in most cases, BEFORE we have assimilated all of the available data.

We typically will make up our minds using “loss aversion”, in other words, we will choose the option that keeps us from feeling bad, and we prefer the choice that will make us feel good. Decision making is part of our biological make-up. However, knowing your “reflex response” may help you recognize it and keep you from being misled by choices provided to you by marketers who would attempt to manipulate your emotions.

I attended a great presentation by David Goldsmith (www.davidgoldsmith.com) where he shared techniques one could use to make better decisions. The trick is to ensure that you fully and precisely identify your challenge and express it in the way that it “should” happen. Then look at it from a “future oriented” perspective. Example: Challenge= What would it take to increase my sales by 12%? Using this approach will yield more effective results. Especially since, according to a University study, we all make over 200 decisions per day related to food!

Another value used in decision making is time savings. Many in today’s fast paced work would choose to pay a higher price for convenience. We prefer “added-value” as we review our options.

Your Trusted Choice agent at Treutel Insurance can save you time and money on your complex decisions regarding insurance coverages. Contact Treutel Insurance via CHAT or EMAIL: info@treutel.com or PHONE: 228-467-5662, or FAX: 228-466-4314 or FACEBOOK or MERCHANTCIRCLE or at our WEBSITE: http://www.treutel.com/.

Using the Internet to Make More Sales for Your Business

angelyn@astsolutions.com (Angelyn S. Treutel, CPA) — Mon, 02 Nov 2009 22:32:00 +0000

Using Social Networking and Internet Marketing can help you boost sales for your business. Why, you may ask?

1) Social Networking saves you money because you can reduce the cost of print advertising.
2) An integrated website is an extension of your physical storefront.
3) Cyber-connections allow you to reach more potential customers than you could physically meet in a day.
4) Measure the success of your business website and search engine optimzation with tools like Google Analytics (www.google.com/analytics).
5) Use a rotation schedule to leverage the time comittment for maintaining your social networking presence.

Your Trusted Choice agent is using Social Networking and Internet Marketing to provide more convenience for today's insurance consumer. Contact Treutel Insurance via chat: http://chat.livechime.com/treutel/blog or email: info@treutel.com or phone: 228-467-5662 or fax: 228-466-4314 or come visit: 401 Hwy 90, Bay Saint Louis MS.

See you in cyberspace!

http://www.treutel.com/ http://blog.treutel.com/

Where can I get auto insurance I am 18 and just purchased my first car?

angelyn@astsolutions.com (Angelyn S. Treutel, CPA) — Tue, 20 Oct 2009 02:36:00 +0000

Many factors determine the price of auto insurance for young people - your driving history, your credit history, your grades in school, and more. Auto insurance is costly for young people due to the high frequency of accidents in your age group. If you are still living with your parents, your least expensive option will be to be added to your parent's policy, and it also provides them with better protection. Check with a Trusted Choice Insurance Agent in your area for advice, coverage options, and a choice of insurance carriers. Trusted Choice agents shop around, so you can spend your time on more important things! Enjoy your new wheels!

If you are in the Mississippi, Alabama, or Louisiana area, contact Treutel Insurance at 228-467-5662, or chat, or email.