Volume 6 Issue 6

June 1, 2016

DONOVAN INSURANCE SOLUTIONS

7 Myths about Hurricanes b y P a u l D o n o v a n

Insurance News You Can Use

7 Hurricane Myths 1

Misconceptions

about the Paleo

Diet

2

Encouragement

Chronicles

3

TV & Movie Trivia 3

Private Flood Insurance ?

4

Insurance News 4

Inside this issue:

Most people that live in the surrounding area of the Gulf of Mexico know that

hurricane season starts June 1st and ends November 30th. However, there are

several myths about hurricanes that need to be debunked.

Myth #1 - Hurricanes are dangerous - Don’t worry about the 74 mph+ winds

when storm surge causes more fatalities than any other hazard. Understand, that rip currents and

waves are only a threat to the coast and inland flooding (while most frequent) is over-emphasized.

Myth #2 Pre-determine Evacuation Plans - If told to evacuate, figure out where to go during the

moment. Don’t fret about pet friendly centers, where’s your sense of adventure?

Myth #3 Update your insurance - Nobody needs an annual review with their insurance

professional. Everyone knows flood insurance has a 30 day waiting period (except for new

purchases) and all insurance company coverage is identical (my kingdom for a sarcasm font).

Myth #4 You need hurricane supplies - Medicine and First Aid supplies should be readily available after the devastation

wipes out every last vestige of civilization as you knew it. Therefore, stocking up food, water (7 days worth per person),

gasoline and money seems like a lot of unnecessary effort. It will all work out if we all rely on

the government.

Myth #5 You should strengthen your home - No need to shop now for window coverings,

quality DIY stores never run out of those supplies . Keeping trees trimmed around the home will

not provide enough shade for any loose patio furniture left outside. Lastly, don’t put your car in

the garage, that’s where you keep all your trinkets and clutter.

Myth # 6 Hurricane information is readily available - Advanced technology means we will never have a problem with

cable and satellite TV reception (not so sure about the electric companies). And, NOAA Weather Radio’s can cost as

much as $20! Thankfully, all cell towers should be up and operating so we can confidently rely on our smart phones.

Myth #7 Be prepared - I refuse to believe that old adage that says “Most people don’t plan to fail, they fail to plan.”

Most of my success had hinged on the belief of, “winging it.” Since when do we all have to become Boy Scouts? I

don’t need to write it down, list all possessions, inform all family members of the plan or gather important documents. I

won’t forget anything because I have a memory foam pillow.

Naturally, the goal is to direct you towards realizing the importance of being prepared NOW, to avoid anguish later.

Sarcasm aside, please feel free to contact us for more information on preparedness or visit www.ready.gov/hurricanes.

“ I saw a spider in my bathtub so I got a tissue and very carefully burned the house down.” Claims Dept.

P A G E 2 I N S U R A N C E N E W S Y O U C A N U S E

Donovan Insurance Solutions

1 East Tarpon Ave

Tarpon Springs, FL 34689

727-935-4858 (Office)

877-226-9304 (Fax)

727-656-5371 (cell)

www.DonovanInsuranceSolutions.com

Misconceptions About the Paleo Diet By Eileen Forte

People often ask me about what it means to follow a Paleo Diet. Here’s the top 10 misconceptions people

have when it comes to: what to eat and how to follow this amazingly super healthy diet.

The purpose of a Paleo Diet. It is meant to reduce inflammation in the body. That’s it. Reducing inflammation reduces

your risk. Here are my before and after pictures.

The main rule for Paleo is that we do not eat grains. You know, pasta, white flour, corn,

legumes, peas and beans (and most dairy). Dairy is not included in the diet, but I step a little

outside of the lines there and eat dairy from grass-fed animals.

1. “Oh, that’s where you eat just meats right?” No, not right. We don’t eat any more protein

than one normally would however, it is the quality of the protein that we eat. Fish is wild

caught, beef is grass-fed, and pork and chicken are pastured. We avoid processed foods that includes our protein.

2. Paleo is similar to an Atkins Diet and you just cut down carbs. Again, a misconception. We eat veggies and fruits

appropriate to our lifestyle. We enjoy primarily low sugar fruits: dates, strawberries, blueberries and the like. While

we reduce high-sugar fruit like pineapples and bananas (especially for those trying to regulate blood sugar).

3. Bacon, Bacon Bacon – MYTH! Bacon is included however, it is nitrite-free, uncured bacon eaten in moderation.

4. Paleo is a fad diet. I have worked with a host of people with all kinds of ailments. Witnessing their successes and

listening to their excitement after doctors tell them they can reduce and even stop medication…this is no fad. .

5. Eggs aren’t good for you, only eat the whites. Dietary cholesterol and blood serum cholesterol are different.

Studies at Harvard Medical confirmed there’s no connection between cholesterol levels while eating eggs.

6. Paleo diet is harder than other diets. No, we don’t measure, count calories and are never hungry. The hard part is

staying away from quick fix processed foods.

7. Paleo is expensive. Like anything else, quality food costs more. Thankfully, food choices made today will impact

how you feel tomorrow.

8. Saturated fats are a no-no. Fats are not evil, they are necessary and beneficial. The right kinds of fats matter.

9. You can’t have salt. Yes we can! Kosher or sea salt used in moderation is OK

10. Gluten free is NOT Paleo. Watch for “gluten substitutes” (rice/potato starch, tapioca etc.)

Happily, knowledge is power and for more information please visit www.Paleosimplified.com

“The meal isn’t over when I’m full, the meal is over when I hate myself.” Louis C.K.

Some insurance companies are like the mafia.

They have to scare you into buying protection.

Their sales pitch is, “That’s a nice family you’ve

got! Be ashamed if something happened to

them.”

P A G E 3 V O L U M E 6 I S S U E 6

TV & Movie Trivia b y P a u l D o n o v a n ( j u s t t h e m e s s e n g e r )

Encouragement Chronicles B y P a u l D o n o v a n

The gifted violinist Niccolo Paganini was standing before a packed house, playing through a difficult piece

of music. A full orchestra surrounded him with full support. Suddenly, one string on his violin snapped and

hung limply down from his instrument. He frowned but continued to play, improvising beautifully. To the

conductor's surprise, a second string broke, and shortly after, a third. Now there were three strings dangling,

yet, the master performer completed the difficult composition on the remaining one string. The audience

jumped to its feet and in good Italian fashion filled the hall with shouts of "Bravo! Bravo!"

As the applause died down, the violinist asked the people to sit back down. Even though they knew there

was no way they could expect an encore, they quietly sank back to their seats. He held the violin up high for

every one to see. He nodded at the conductor to begin the encore and then turned back to the crowd. With a

twinkle in his eye, he smiled and shouted, "Paganini and one string!" After that he placed the single-string

Stradivarius beneath his chin and played the final piece on one string as the audience shook their heads in

silent amazement. Our lives may very well be filled with troubles, worries, and disappointments. Frankly,

we spend too much time concentrating and fretting over the strings that snap, dangle and pop and the things

that can't be changed! Are you still agonizing over your snapped strings in life? Is the one string that you are

left with being played out of tune? If so, may I encourage you to look not back, press on, and start playing

the single string again. Let it yield a sweet, winsome melody that the world needs so desperately. You can if

you will.

1. In the Princess Bride what was the name of the poison that killed Vizzini and where did it

come from?

2. What was the first U.S. Western TV show filmed in color?

3. In Guardians of the Galaxy what is the name of the living tree character and who plays him?

4. In the opening credits of Gilligan’s Island, why is the flag at Pearl Harbor flying at half mast?

5. What were the occupations of Luke Skywalker’s uncle and aunt?

6. Ellis Boyd “Red” Redding is a famous character from what hit movie?

7. How many years did the popular show Baywatch run—extra credit name the years?

8. In the movie Kelly’s Heroes, the character “Crapgame” is played by what famous comic?

9. In the movie The Sting, the diner where Hooker meets Lonnegan is the same diner interior scene used in the

1985 blockbuster film where a boy meets his father and calls his doctor friend - what film is that diner in?

10. In a popular Seinfeld episode Jerry and Kramer are watching a live surgery when an item they had

accidentally fell into the patient—what was that item?

11. Name the movie from this famous quote, “ How far are you willing to go to save your fair lady?

I’d die for her! Oh good, let’s go.”

12. In the musical Disney film Frozen, where doe Elsa create her Icy Palace _______?

Pg. 4

The flood insurance market parity and modernization act

“I never drink water because of the disgusting things that fish do in it.” W. C. Fields

1. Ft. McMurray, Alberta Canada oil sands wild fires destroys more than 2400 homes and has become

the costliest catastrophe in the country’s history potentially reaching $9 Billion in losses. The fire

has already burned more than 700 miles and has spilled into neighboring provinces.

2. Sharing Apps (such as Uber, Lyft and Airbnb) expose coverage gaps in many auto and homeowners policies. Please

don’t forget to ask your agent about covering these type of business opportunities that aren’t typically covered.

3. AAA statistics are in: Fatal crashes double after Washington state legalizes marijuana. While the debate over

legalization intensifies, statistics don’t lie. Proponents argue that it’s no more dangerous than alcohol, and medical

benefits outweigh any dangerous side effects. Law enforcement professionals are questioning at what point is

someone using cannabis impaired? It’s not as easy to determine, and there isn’t a Breathalyzer test — yet — that

provides the same guidance as blood alcohol levels.

4. Hurricane season officially starts June 1 2016, therefore, be prepared NOW with your free personal checklist

and survival guide. Got to www.haveahurricaneplan.com/guide.pdf Also see lead article.

5. A 2015 survey of business owners showed 90% of businesses were hacked at least once in the past year.

Cyber-Liability coverage is trending to be a major coverage concern that risk managers must account for.

6. The average claim cost from a single dog bite is $37,200. Thankfully, many of these claims can be prevented.

7. Egyptian Air MS804 from Paris to Cairo crashed into the Mediterranean ocean killing all 66 people aboard on

5/19/16. Search continues for wreckage, terrorism is highly suspected.

8. 63 people are confirmed dead and another132 people are missing in Sri Lanka following a devastating tsunami that

triggered landslides on May 19 2016.

Insurance News Making Headlines

In a unanimous vote, the U.S. House of Representatives passed The Flood Insurance Market

Parity and Modernization Act on April 28, 2016. This law effectively allows lenders to accept

private flood insurance solutions to meet mandatory purchase requirements for federally backed

mortgages. This is largely viewed as a positive development in the insurance marketplace,

fostering competition and providing an alternative to the debt laden National Flood Insurance

Program (NFIP) run by the U.S. government. While the bill advances to the Senate with strong support, the time

frame remains uncertain. We expect that passage of the bill will encourage development of a private flood insurance

market that can complement and compete with the NFIP, and provide alternatives to insurance

buyers in high risk areas. We are prepared to respond to these developments for our clients

with flood insurance solutions utilizing high quality insurers who have proven track records in

the high risk property marketplace. As further information about this important decision

become more clear, we will communicate those results to our friends. We look forward to

serving you with NFIP alternatives as soon as possible!

A thief broke into my house last night and started searching for money so I woke up and searched with him.

Trivia Answers 1. Iocane powder, Australia, 2. Bonanza, 3. Groot, Vin diesel, 3. Moisture Farmers, 4. President Kennedy had

recently been assassinated, 5. Moisture Farmers, 6. The Shawshank Redemption, 7. 13 years 1989—2001, 8. Don Reckless,

9. Marty McFly first meet his father and call Doc Brown, 10. Junior Mints, 11. Pirates of the Caribbean, 12. The North

Mountain