JAYNE ENGLE-ALLEN’S Summer 2011
A Quarterly Newsletter for Friends and Clients of
Engle & Associates Insurance Brokers
With the taste of pineapple and the smell of a warm Maui breeze still fresh in my mind, I am relaxed and
ready for Summer!! We just returned from our first ever, real family vacation and when I say family, I mean
the WHOLE family. There were 19 of us in our group, read on to hear why…
You might be
wondering what possessed us
to pack up 19 people,
including 7 kids ages 3 and
under, and fly across the
Pacific Ocean. Well, last May,
I became an auntie for the
second time. My nephew,
Rocco, was born 5/5/2010. At
None of us can predict the future, but for 5 days old, his doctor found
most business owners, year after year, that he had a heart murmur.
workers compensation insurance companies He was referred to Children’s
ask you to do just that. Not anymore! With Hospital in Madera for follow
up. An echocardiogram
our exclusive Pay As You Go workers
revealed that Rocco’s heart
compensation program, we will calculate had developed with 2 holes in
your workers comp premium based on it. He was diagnosed with Ventricular Septal Defect (VSD). Although we’d hoped that his body might heal
actual payroll, then automatically deduct itself, at just four months old he required open heart surgery to repair his heart. My brother and sister in
and remit the premium directly to your law had to hand their baby, and his life, over to doctors and nurses. This was one of the most difficult days
insurance carrier on your behalf. Experience of my life, and my emotions pale in comparison to what my Brother and Michele were feeling.
improved cash flow, and a predictable The hours felt like days as our entire family sat in the waiting room, trying to comfort one
another, while we waited for updates from the nursing staff. Yai Yai, who, long story short, is a second
insurance budget, while eliminating big mom to my brother and I, and therefore a grandma (or Yai Yai in Greek)
deposits and audit surprises! to our kids, out of the blue said: “when this is all over, and Rocco is
healthy, we should all go to Hawaii to celebrate.”
ELIMINATE: When Rocco’s surgery was finally finished and they were Aloha …………………..………....…Pg. 1
taking him to PICU, Michele’s father asked, “so on a scale of 1 to 10, Did you WIN? ………………..……Pg. 2
Large Down Payments how’d it go?” The
Late Fees surgeon replied “10.” AARP members SAVE …..…..…Pg. 2
The entire waiting room
Audit Surprises (based on inaccurate payroll estimates)
let out a synchronized Summer Produce Tips ……...…Pg. 3
Writing Monthly Checks sigh, and then everyone
Scott’s Financial Focus ..……...Pg. 3
cried. The worst part was
over and now onto recovery.
Call My Office Today: 805-544-8929 About a month or so after Rocco’s surgery, Yai Yai
brought up the Hawaii trip again. Her father, who was
Did you know we offer all these services?!? always a positive man and put his family above all else, had
PERSONAL INSURANCE: BUSINESS INSURANCE: recently passed away. His famous response to just about any
request from his family was “And Why Not…” So, in his
Home Insurance Workers Comp The Cousins: Enzo, Rocco, Baylee, & Hayden
memory, and to celebrate Rocco’s fantastic recovery, she
Auto Insurance General Liability
Boat Insurance Products Liability
was insistent that we all make the trip, no matter what it took. And with Yai Yai, once she sets her mind to
RV Insurance Commercial Property something, you will not change it. So, about 2 weeks before I delivered baby Hayden, we booked 19 airline
OHV Insurance Commercial Auto tickets, 5 rental cars, and a combination of 5 hotel rooms and condos. Finally, 7 months later, we had 10
Motorcycle Insurance Inland & Ocean Marine days of fun in the sun and family time on the beach - No Ka Oi (The best). As you can see in the picture
Life Insurance Professional Liability above, Rocco is a happy, healthy 1 year old. We are happy to report that he has no long term effects from
Health Insurance Employment Practices
Flood Insurance Cyber Liability
his heart condition and requires no more surgery! Just a few extra checkups here and there, and a rapidly
Earthquake Insurance Group Health fading scar on his chest.
Personal Umbrella Bonds As we were boarding our flight home, Yai Yai asked if we would want to do it again. And you
Annuities Key Person know my response? “And Why Not …” -Jayne Engle-Allen
Call us Toll Free: 877-544-8929 www.EngleInsurance.com
Thanks to all our clients who graciously re-
ferred their family, friends, and associates
to our agency. We build our agency on My home is worth $275,000. Why does my insurance company
your positive comments. We couldn’t do it want me to insure it for $375,000?
without your help! Comparing market or real estate value of a home and
Replacement cost of a home is like comparing apples and
James Wilson Candice Whittsett oranges. Market value is the price for which you could sell your
Mike Fitzgibbons Barry Purchase home. Market value takes into consideration: land value,
Louise Payne Carly Diodati neighborhood, comparable sales, and more. Replacement or
Christian Smith Franklin Wakefield reconstruction cost is the amount of money it would take to
Lori Steed Greg Hadley rebuild your home, with like kind and quality, at today’s costs.
Michelle Brown Cary Maffioli Replacement cost reflects the cost for building materials, code
compliance, demolition, construction labor, and more.
Kings Mortgage RK Builders
In the current economy, many people are under the
Bill & Kelly Lynch Tiffany Brewer assumption that construction costs have reduced as much as
Holland Ranch Cathy Gibbons property values. This is simply not the case. The fact of the matter
Cindy Ashley Jeremy Engle is, today, you can buy an existing home for much less money
Susan Polk Neil Penney than it would cost to build that very same home. Although you
Peggy McCain Corrina Cortez may hear from a friend that they got someone to do some work
John Gonyer Todd Thomas for “super cheap,” this is the exception to the rule. Contractors’
Bob Crosby Beatriz Fosse overhead hasn’t reduced much, and cost for building materials
Charlie Ritterbush Elizabeth Reynolds hasn’t decreased dramatically either. Contractors are just like
Terry Joslin Mimi Peralta everyone else, they need to put food on the table, and I don’t
know many non-profit construction companies out there.
Phoenix Catering Jeanette Garcia
The bottom line is, if you’re not sure, give us a call to
Doug Noble Eric Obranovich conduct a current replacement cost analysis of your home. The
Gulliver’s Travel Paige Covell amount of coverage you need, should be based on the true
Bridgett Ritterbush Roger Tyler reconstruction costs of your home, regardless of current market
Paul Irving value.
e r so iates
rre d h ssoc
refe e & A OD!
K elly Engl an IP
n, t nd wo
Call us Toll Free: 877-544-8929 www.EngleInsurance.com
worth ce of preve
a po ntio
New Preventative Health Care Benefits = Savings Benja und of cu n is
min F re.”
Did you know that in 2011, preventative health care benefits are covered at 100%
with the deductible waived on most individual health plans. If you purchased your health plan or
changed your plan after March 23,2010, it is likely that your preventative care is covered with no out of
pocket expense. If you’ve had the same health plan since before March 23,2010, then you do not have this preventative care
benefit. If you’re not sure, check with your company or agent to see if your plan includes preventative care benefits with no
out of pocket cost.
I am talking about Preventative Health Care Benefits right now to bring awareness to these coverages. Some
examples of preventative care include: well check visits, regular immunizations, annual exams, mammograms, and more.
Remember that you will still be responsible for your deductible and have out of pocket costs for diagnostic care. (Here’s the
difference- PREVENTATIVE: Your doctor recommends having a colonoscopy because of your age or family history.
DIAGNOSTIC: Your doctor recommends a colonoscopy to investigate symptoms you’re having.) Using these new preventative
care benefits will save you money for care and services you used to pay for under your deductible. Even more important,
regular checkups, can head off major illness and may even save your life. Better health leads to a better life.
If your health insurance plan is pre-March 23, 2010, call me at 805-544-8929, to discuss the pros and cons of changing
your health plan. If you have health insurance through your employer, contact your plan administrator to see if these benefits
apply. Most group plans will have these benefits at their renewal this year.
For any questions you might have about health insurance, please don’t hesitate to call me. -Scott Engle
Summertime is a great time for fresh local produce. On average people throw away 25% of the produce they buy because it spoils. Follow these
rules and the storage tips in the chart to get the most out of your produce. Three quick tips: 1. Only buy what you can eat in a few days. 2. Keep
fruits and veggies separate. 3. One bad apple can spoil the whole bunch - no joke… promptly remove any spoiled items before spoilage spreads.
Summer Produce Shelf Life Storage Tips
Best to eat immediately; 2-3 days for Place blackberries and raspberries in single layer
Berries blackberries and raspberries; 7 days for on plate, cover loosely and refrigerate; refrigerate
blueberries blueberries in container.
Cherries 2-4 days Keep in open or holed bag in refrigerator.
Keep in loose plastic bag in coldest part of
Corn Best to eat immediately, but lasts up to 3 days
Cucumbers 3-5 days Keep in plastic bag toward front of refrigerator shelf.
Green Beans 3-4 days Keep in plastic bag on refrigerator shelf.
Wrap in dry paper towels and put in open plastic
Lettuce and Chard 5-7 days bag in crisper drawer away from apples, oranges
Ripen at room temperature until slightly soft, but still
Stone Fruits (Peaches, Plums,
3-6 days firm; when ripe, refrigerate in plastic bag. Taste best
at room temperature.
Peppers 3-5 days Keep in plastic bag on refrigerator shelf.
Store at room temperature away from sunlight until
Tomatoes 3-5 days ripe; eat immediately. Do not refrigerate whole
Store whole at room temperature; store cut slices in
Watermelon 5-7 days
refrigerator in airtight container.
Zucchini and Summer Squash 4-7 days Keep in open plastic bag in crisper.
A Quarterly Newsletter for
Friends & Clients of
(805) 544-8929 ● Toll Free (877) 544-8929
Fax (805) 781-6339 ● www.EngleInsurance.com
The highest compliment I can receive
from you, would be the referral of my
services to your family, friends, and
business associates. For this, I offer my
heartfelt thanks and appreciation.
Tell Others About Us and Win a Prize
Referrals are the lifeblood of any business, and there’s no better source than you!
we want to reward YOU for sending others to our agency…
2011 REFERRAL REWARDS PROGRAM!
Win an IPOD or Flat Screen TV!
Here’s what your friends and neighbors are saying about us…
“We recently had my car broken into and had “Our family was fortunate enough to have Engle Insurance review
many valuable items stolen. It has been a very our auto, home and personal liability coverages. Sarah did a
emotional process of loss and violation, and to add terrific job on our daughters auto insurance too. We saved so
to the situation, the claims process wasn’t going much money over one year, it was great! I would recommend
smoothly. Jayne stepped in and was the middle Engle Insurance to anyone!” - Maem Sheehy, San Luis Obispo
person in it all and ended up taking excellent care
of us and the situation. That personal touch and “I personally have been extremely satisfied with Engle &
knowing Engle is there and always willing to help Associates attention to detail and friendly staff. You folks
is why we’ll be lifelong customers.” have been proactive to take care of any situations before they
can become a problem. Keep up the good work.”
- Kelly & Tim Parsons, Granite Bay, CA -Kari Arnett, Visalia