San Antonio Chapter ALHA Ledger April, 2003 Inside This Issue: Message from the 1 Message from the President President I have been extremely busy - how 'bout you? John 1 April Alden is selling like crazy. It seems like we are Meeting extremely understaffed but I think what it is - is that we're all use to a more relaxed pace. We need to pump 2 April it up big time!!! And that's how I feel about San Birthdays Antonio ALHA. We need to pump it up big time to get back on the map. 2 April We are going to have a membership drive type Renewals meeting for the April meeting. We have a great speaker lined up - our own Sue Greene. And we're paying for your lunch. We are going to 2 This Month’s order pizzas. So come hungry and bring a guest!!! Remember we have a promotion for the events person who brings in the most guests and there's not much competition right now. Also, I want to let you know that my training to do the 13.1 mile marathon in June is going 2 Special extremely well. Not only am I logging more and more miles each week in walking, I am Olympics also the top fundraiser. My words of wisdom this month are: "Don't wish it was easier; wish you were better. 2 Let’s Share Don't wish for less problems; wish for more skills. Don't wish for less challenges; wish for Websites more wisdom." - Jim Rohn, American Businessman, Author, Speaker, Philosopher Keep flowing and rowing - we're getting there. Sheryl Raineri 3 Travel Insurance April General Membership Meeting 4 Armed Forces The San Antonio Chapter Board would like to host a Pizza Party for our general membership at the April meeting. We invite all of our members to come and bring a guest 5 Wedding – All the pizza you can eat BYOD (bring your own drinks, please)! Bells We want to make this meeting fun so we are asking our own member, Sue Greene, to 5 2003 ALHA show us how to analyze handwriting. If you will remember, Sue gave this presentation to Convention our chapter over a year ago and we were VERY impressed! Also, we will be voting on the charities that we will donate our budgeted money to. 5 Trophy Points Please, Please, Please – if you have an opinion as to who receives these funds, be at this meeting. We have narrowed to the following charities: 6 Board of American Stroke Association Directors San Antonio Battered Women’s Shelter 6 ALHA Mother Seton Pledge Regency Swim Team APRIL Keep Wrappers to Keep Dreams Alive! M&M’s is donating $.50 to Special Olympics for each wrapper BIRTHDAYS: received. Bring your specially-marked M&M Wanda Sotello wrappers to the ALHA meetings or April 4 mail to Debbie Davenport at: RENEWALS: 2007 Oakshire, San Antonio, TX 78232 Sheryl Raineri Deadline for collection is July, 2003 This Month’s DON’T FORGET OUR GENERAL Events MEMBERSHIP MEETING 11:30 ON THURSDAY, April 3, AT THE FROST BUILDING AT 410 & BLANCO. The conference room is located on the 3rd floor! We will be having a PIZZA PARTY – Bring a Friend – The Pizza’s on us!! April 1 – April Fool’s Day!! Please RSVP to Kay Goodlett so that we order enough pizza to go around!! April 3 – General Membership CMSPC@GPMLife.com or 367-2222 Meeting Let’s Share Websites! April 6 – Daylight By: Lynn Getz, FLMI, AIAA, ACS Savings Time begins – “Spring http://www.gratefulness.org Sheryl has offered this website forward, Fall back” which she found advertised in Oprah’s magazine. “A network for Grateful Living.” http://www.selfgrowth.com From Sheryl, as well. SelfGrowth.com is the single most comprehensive website on Self Improvement and April 13 – Palm Personal Growth on the Internet. With over 3,000 unique articles from over 500 experts, Sunday SelfGrowth.com is the ideal place to get information on Self Improvement. Links to over 4000 Success websites in an organized Directory. Weekly Newsletter to educate and empower. April 17 – Travel insurance: Are you Passover April 18 – already covered? By Pat Curry * Bankrate.com (submitted by Sheryl Raineri) Good Friday With tensions in the travel industry and the global political scene, more travelers are looking into travel insurance. But the term can mean widely different things, and can offer either real benefits or an expensive duplication of coverage you probably already have. If ever there were a purchase that calls for research and reading the fine print, April 19 – 27 travel insurance is it, says Edward Hasbrouck, author of "The Practical Nomad" FIESTA!!! series of travel books. See schedule of events located in the That's because many of the reasons for which people would buy travel insurance, supplement! such as an airline or cruise line going out of business or the government shutting down every airport in the country, may not be covered. Hasbrouck says he's recommended trip cancellation and interruption insurance for April 20 - Easter years, especially if a trip is being paid for well in advance. Let's say you've booked a two-week walking tour of France and then take a spill April and find yourself on crutches a week before you're scheduled to leave. Or your 23 – mom has emergency surgery while you're on an Alaskan cruise and you need to get home. Administrative It happens all the time, Hasbrouck says, and the result is that vacations are ruined Professional’s because people either cancel their trips and lose the money, or go when they'd Day rather stay home because they can't get a refund. April 29 – San "It doesn't deal with the emotional pain, but it allows you to make your decisions Antonio Chapter’s unclouded by money," Hasbrouck says. "The further in advance you're paying, you're crazy not to get the insurance." Board Meeting – Swede’s Restaurant, Blanco & 410 Pricing for the policies typically is based on the cost of your trip, how old you are ----------------------------- and how long you're going to be traveling. As a rough guideline, expect to pay I have added a between 8 percent and 10 percent of the cost of your trip. “supplement” to this newsletter so The best form of trip cancellation and interruption insurance will not only cover that everyone has illness and injury, but also supplier default, which means the company folded. This a Schedule of is especially important for airlines since Sept. 11, Hasbrouck says, and for cruise Events for Fiesta. lines, some of which have built too many ships and are on shaky financial ground. Lynn TravelGuard International offers supplier default coverage if it's purchased within seven days of putting down a deposit. Likewise, their medical expense coverage will cover pre-existing conditions if it's bought within that window. Know what you pay for. The key is to ask the right questions, read the fine print, and make sure that you're actually getting what you think you're buying. Take flight insurance, for example. This is a life insurance policy that only pays off if you're killed or maimed in a plane crash. According to the Independent Insurance Agents of America, you've got a higher chance of getting hit by a bus PRAYERS when you're walking out of the airport than being killed in a plane crash. FOR OUR Many policies will also cover you on the ground while you're using "common ARMED conveyances," such as buses, trains, subways, taxis and hotel courtesy shuttles, but not private tour buses or rental cars. Chances are good, though, that you've FORCES… already got this kind of coverage with your personal or company-paid life insurance policy. Debbie Davenport’s Son- If you're traveling for business, your employer may have already paid for this kind in-Law is a 2nd LT of insurance as an employee benefit even if the company only has a few in the Marines. employees who travel, says Ron Barto, director of group life and accident product He’s in flight management at The Hartford, one of a small group of companies offering travel school right now, insurance to businesses. but has friends that are in the "When someone dies or has an accident, there's almost always an immediate need Middle East. One for cash," he says. "This provides that, for whatever reason. We don't ask why, in particular and we pay fairly quickly. If you're on business, the employer wants to make sure whose name is you're taken care of." Jason – he drives A homeowners or renters insurance policy generally covers the theft of your an amphibious personal property, according to IIAA, even if you're traveling out of the country. vehicle and his Some valuables, such as jewelry, cameras and laptops, probably won't be wife and family covered, but check with your insurer. Hasbrouck recommends Safeware.com for are taking it day- computer insurance. by-day. Most health insurance policies should cover medical expenses if you're sick or ----------------------------- injured, but may not apply overseas. If you're headed for a remote location or have a medical condition, you might look into a policy that includes medical Wanda Sotello transportation expenses. An air ambulance can cost thousands of dollars and has 2 nephews in typically isn't reimbursed by health care policies. the armed forces. Michael Sotello is Travel policies often will say the coverage is to get you to an adequate medical in the Navy – he facility. The question to ask is what's their definition of 'adequate'. just returned from Europe and is You may also have coverage from your credit card. Diners Club, for example, offers up to $350,000 in automatic travel accidental-death-and-dismemberment stationed in San insurance if you buy your ticket with the credit card and automatic Diego and Johnny collision/damage insurance for rental cars. Sotello who is a Navy Seal located "It's full value rental car collision or loss damage," says Amy Venetucci, senior vice somewhere in president of brand management for Diners Club. "That coverage would be Southern Iraq. primary. It overrides your insurance you have for your personal auto. You get our coverage and save about $16 a day." 2003 ALHA Plus, you don't have to file a claim with your insurance company, which generally means you won't have a rate increase. Convention: Covered by your credit card? Pam Wilson has Regardless of which credit card you use to rent the car, your auto insurance generously should cover you while you're driving it. If you're only covered for liability, though, volunteered to be it might be worth getting collision coverage. TravelGuard sells collision coverage our Convention for $6 a day. Coordinator. Please direct any The coverage offered at the rental car counter should be a last resort, Hasbrouck questions or says, because it's expensive and poor coverage. Credit card coverage varies, he says, and may exclude convertibles or SUVs. Check with your auto insurance and suggestions to credit card company to see what's covered before you leave home. her at: PamW@wilsonand Diners Club also automatically provides up to $1,250 in baggage coverage beyond wilson.net what you'd get paid if the airline, cruise line or other common carrier loses your luggage. TROPHY It's definitely not worth the money to pay for lost luggage insurance, Hasbrouck says, because it's extremely rare for a carrier to truly lose your bags. They might POINTS: misroute it for a day or so, but eventually, your bags should catch up with you. In by Kay Goodlett the meantime, the airline will usually give you cash to buy a few necessities. Trophy points for Besides, if they actually lose your bags, the things you really care about -- jewelry, November 2002 cameras and computers -- almost certainly will be excluded. through February 2003 totaled 2,856. The majority of those Also check with your credit card company about supplemental coverage. Diners were earned Club offers really cheap supplemental coverage. It includes up to $1 million dollars in November as the in flight insurance and $150,000 worth of life insurance on the ground, but the result of Barbara real peace of mind comes in the trip cancellation, interruption or airline DeFraites getting her bankruptcy coverage that's bundled with the life insurance. The coverage runs ARA designation, and from $5 to $14 per ticket. Denise Davis getting her ACS designation. New on the market is a student policy that offers, among other services, legal Each designation referrals and help finding a bail bondsman if hearty partying lands a spring earned is worth 1000 breaker in trouble with the law. points. We also earn points based on the number of members that Wedding Bells Are attend our monthly meeting, so the more that attend, the more Ringing!! points we get. Adding Two of my dearest friends are “tying the knot” members is also a on April 5. I would like to wish them all the good way to earn happiness in the world (which they deserve)! points. I believe that the strongest love is one that is developed from a friendship. These two people were destined to be together and the strength of their friendship will grow stronger as will their love for each other. Take an opportunity to wish Larry Buchhorn and Lorin Pish happiness and good fortune in their new marriage! Lynn Getz Board Members: Sheryl Raineri President: John Alden Health Insurance 210.734.0854 x205 Sheryl.Raineri@us.fortis.com Kay Goodlet, ACS Secretary: GPM Life Insurance Company 210.357.2222 firstname.lastname@example.org Wanda Sotello Treasurer: 210.653.0491 email@example.com Director, Lynn Getz, FLMI, AIAA, ACS Membership & Education Your Back Office Support Services 210.979.6098 Newsletter Editor: YourBOSS@ev1.net Rose Mary Perez Director, Texas Insurance Agency Finance: 210.524.2075 RMPerez@texasins.com ALHA Pledge I believe that it is my responsibility: To hold the Life & Health Insurance Profession in high esteem and honor it's prestige. To keep my employer's needs always uppermost. To respect all confidences and hold in trust personal information. To develop my ability and improve my knowledge through constant study. To be fair in my relations with colleagues and competitors always placing the employer's interest first. To understand Life and Health Insurance laws and regulations and to observe them in letter and spirit.