Author Archives: Billie Noakes

Risk Management for a More Secure Future

pic J Everette Risk Management
Jim Everett, Jim Everett Risk Management Planning, LLC.

“Life is filled with risks,” observes Jim Everett, of Jim Everett Risk Management Planning, LLC. “Risk management can help mitigate those risks and preserve your assets. This is true whether you’re protecting personal or business assets.”

Jim explains that risk management goes far beyond simply purchasing an insurance policy.

“That’s a large part of it, of course,” he confirms, “but it’s also important to allocate resources properly.”

He recalls one client who owned a fairly large business. He bought cars for his two daughters and, in an effort to save his daughters the expense, titled and insured the cars in his company name.

Risk Management car accident
Risk Management makes it possible to mitigate losses.

“I advised a change,” says Jim. “I suggested moving the titles and insurance into the daughters’ names, so his company would not be liable if one of the girls was involved in an accident. Fortunately, he took that advice. Six months later, one of his daughters did have an accident. Had he not made that important change, his company could have been sued for damages.”

Adapting with Risk Management

Jim has been offering that kind of sage advice since he 2010, when opened his first insurance office with Allstate in Seminole. He expanded into Treasure Island in 2012. In December 2017, Jim opened his current business so he could offer a wider range of products through more insurers.

“Working with a single company was a great way to start in the insurance business,” Jim acknowledges, “but I now have greater flexibility in what I can do for my clients.”

Jim is well positioned to maximize on that flexibility: he spent more than 30 years in Information Technology, calling on businesses large and small for industry giants like Sprint. He noticed what risks companies faced, and how well or poorly they prepared for those risks.

“What I do, really, is educate people about how they’re using and protecting their assets,” he clarifies. “Most people discover that they’re not properly insured when something happens and they’re faced with an unexpected loss. I advise people to think of insurance like a financial portfolio, and make sure it covers all their contingencies.”

Risk Management Fills Gaps

He explains that insurance policies are not necessarily designed to work together, so coverage gaps are fairly common.

Jim remembers helping one client avoid a potential financial disaster simply by carefully reviewing the client’s several insurance policies.

“He had a strong insurance ‘portfolio,’” Jim remembers, “with a $2-million personal umbrella policy, and auto, flood, and home insurance policies. Even so, he was at risk. I saw that he only had $100-thousand in homeowner liability coverage, but his umbrella policy required him to carry $300-thousand. I wrote him a ‘gap’ insurance policy, because his homeowner’s policy would have left him exposed to a $200-thousand risk.”

Periodic Review Reduces Risk

Jim advises periodic reviews of asset allocation and insurance policies to ensure the best risk management.

“It is not necessary to hold quarterly reviews,” he notes, “but an annual review is wise. It is also important to review your positions after any significant life change. Marriage, divorce, the birth of a child, a death in the family, retirement, even a change in residence can affect how you manage risk. Some of these factors can also affect the discounts you can receive on your policies.”

There is a lot to know in order to provide the top quality service Jim provides. “Keeping current with laws and products involves a learning curve,” says Jim. “I hold three licenses, and was required to take more than 240 hours of instruction to earn them. I take another 20 hours of continuing education every other year to renew them.”

Community Leader

Jim is a member of the Board of Directors of the Treasure Island & Madeira Beach Chamber of Commerce, and has been a member since he opened his Allstate office on Treasure Island in 2012. “I like this Chamber’s focus on the beaches,” reports Jim. “With a larger Chamber, it’s harder to get oriented and make an impact. I’ve met great people through this Chamber, among them Bill Karns on Madeira Beach, and Dennis Fagan on Treasure Island, who helped me as I started my offices.”

Now firmly established, Jim says he tries to leverage his success to give back to his community. His personal and professional support go to the Chamber, which includes support for R.O.C. Park, the Gulf Beaches Rotary Club, Treasure Islettes, and the American Legion, among others. Jim also supports Big Brothers/Big Sisters of Tampa Bay, the Guardian Ad Litem program, and Special Olympics.

Reach Jim Everett Risk Management Planning, LLC, by calling 727-452-6844.

Sharing Holiday Hope at the Chamber

Sharing Holiday Hope at the Chamber

Every year, we’re excited about sharing holiday hope. We search for just the right gifts for friends and loved ones. We plan parties to throw and attend. We prepare our traditional meal favorites, or research new recipes. And we look forward to boat parades and street parades, holiday festivals, and holiday mixers. Sharing Holiday Hope… Continue Reading

Friday Morning Market returns for 11th Season

Friday Morning Market returns for 11th Season

The Friday Morning Market, sponsored by the Treasure Island & Madeira Beach Chamber of Commerce, enters its eleventh season on December 7 with a variety of crafts, produce, art, collectibles, foods, jewelry and live music. Vendor applications are now being accepted. The Friday Morning Market is open from 9 a.m. till 2 p.m. on Fridays… Continue Reading

Seafood Festival a Feast for the Senses

Seafood Festival a Feast for the Senses

The 37th Annual John’s Pass Seafood Festival has it all: the flavors of fresh seafood, the sounds of live music, and the sight of hundreds of vendor tents offering custom-made jewelry, clothing, arts and crafts, and preserved treats. And it’s happening this weekend! A tradition nearly four decades in the making, the John’s Pass Seafood… Continue Reading

Red Tide on our Beaches

Red Tide on our Beaches

Here’s the latest update for  red tide on our beaches. Our partner, Visit St. Pete/Clearwater, tells us that the latest daily water samples analyzed by Pinellas County for red tide, taken on Monday, October 15, show normal to slightly discolored waters throughout Pinellas County, and either no, slight, or mild unpleasant odors. Visit St. Pete/Clearwater’s… Continue Reading

VSPC Red Tide Update 9/14

VSPC Red Tide Update 9/14

The VSPC red tide update for September 14 shows low to high concentrations of the Karenia brevis Harmful Algae Bloom (HAB) at 11 locations along the Pinellas Suncoast. Even so, we’re pleased that our beaches have not experienced a significant volume of dead marine life washing ashore, thanks to the diligence of Pinellas County Environmental… Continue Reading

New electric buses: $1M grant for PSTA!–TAMPA BAY BUSINESS JOURNAL REPORT

New electric buses: $1M grant for PSTA!–TAMPA BAY BUSINESS JOURNAL REPORT

The Pinellas Suncoast Transit Authority is receiving a $1 million grant through the Federal Transit Administration’s Low or No-Emission (Low-No) Grant program. to purchase two new electric buses. Fifty-two projects from 41 states are being awarded $84.45 million to deploy transit buses and install infrastructure that uses advanced propulsion technologies. The new electric buses will… Continue Reading

Red Tide Impact: Madeira Beach

Red Tide Impact: Madeira Beach

The City of Madeira Beach has released the following in response to questions about the red tide impact in our community: The City of Madeira Beach is closely monitoring our beaches for possible red tide impact. While communities to our south have been impacted, Madeira Beach has so far been spared any major events as… Continue Reading

Kiosk Volunteers Needed!

Kiosk Volunteers Needed!

If you’ve ever wanted to tell someone where to go, why not be a kiosk volunteer for the Chamber? Every weekend from September through April, visitors to our beaches stop by the Chamber’s Information Booth, a kiosk located at 107th Avenue and Gulf Blvd. They’re looking for directions in getting around, as well as for… Continue Reading

Madeira Beach Water Taxi ends 9/30/2018

Madeira Beach Water Taxi ends 9/30/2018

Hubbard’s Marina, operator of the Tampa Bay Ferry and Madeira Beach Water Taxi, announces suspension of the Water Taxi on September 30, 2018. Funding for the Water Taxi through the City of Madeira Beach was not renewed for FY 2018/2019. The suspension of the Madeira Beach Water Taxi does not affect Hubbard’s Marina’s popular ferry… Continue Reading

Red Tide Spared Pinellas: August 16

For the most part, red tide spared Pinellas beaches during the recent outbreak that has so beleaguered our neighbors south of the Sunshine Skyway. Airborne toxins did reach up to Fort DeSoto and St. Pete Beach, but the impact was relatively minor. For those of you who want the most recent information about red tide… Continue Reading

Red Tide Moves South

Red Tide Moves South

We’ll all be breathing easier — literally. The Florida Fish and Wildlife Conservation Commission (FWC) is watching as the red tide moves south, not north, and away from Pinellas beaches. On Friday, August 10, it appeared that weather patterns would bring the bloom of karenia brevis north of the Sunshine Skyway, putting the Pinellas beaches… Continue Reading

Red Tide Update August 11

This red tide update presents links to several resources, including the Fish and Wildlife Conservation Commission, the National Oceanic and Atmospheric Administration, area news outlets, and Visit St. Pete/Clearwater. To learn what red tide is and how it affects our beaches, visit this article we published in 2016. We’ve been watching the conditions that have… Continue Reading

Gaming Fun at Monte Carlo Fundraiser

Gaming Fun at Monte Carlo Fundraiser

The Chamber’s Monte Carlo fundraiser is cracking up to be the social event of the year. More than 150 revelers came decked out in evening dress, and a couple dozen of them honored the 1940s styles of “Casablanca,” to make the 6th Annual Monte Carlo Casino Night a resounding success. Heavy hors d’oeuvres and light-hearted… Continue Reading

Red Tide August Update

Red Tide August Update

Visit St. Pete/Clearwater, Pinellas County’s Convention & Visitors Bureau, provides us with this red tide August update, dated August 3: We wanted to let you know that we’re closely monitoring the red tide bloom that’s south of our Gulf beaches, stretching from Sarasota County to Collier County, and have been in contact with Visit Florida, our… Continue Reading

Spa and Rehabilitation Services

Spa and Rehabilitation Services

Sally’s Spa and Rehabilitation Center combines the best of both worlds: a way to feel and look great, inside and out. Sally Plink brought her unique approach to wellness to Seminole in 2012, and extends her services to Treasure Island, Madeira Beach, and the surrounding areas. “I actually have been in business since 1995,” clarifies… Continue Reading

Opposing Offshore Drilling

Opposing Offshore Drilling

TREASURE ISLAND|MADEIRA BEACH ­­— The Treasure Island & Madeira Beach Chamber of Commerce, at its June 19 Board meeting, passed Resolution 2018-06 opposing offshore drilling and urging the United States government to refrain from oil drilling and exploration along Florida’s Atlantic coast and in the eastern Gulf of Mexico. “Our ecosystem is fragile,” pointed out… Continue Reading

Minning Heads Environmental Preservation Committee

Minning Heads Environmental Preservation Committee

TREASURE ISLAND | MADEIRA BEACH ­­— Robert Minning, formerly Mayor of Treasure Island, was appointed on July 6 to chair the EPIC (Environmental Preservation Initiative for our Communities) committee of the Treasure Island & Madeira Beach Chamber of Commerce. “Mayor Minning has a long history of environmental advocacy,” said Chamber Board Chairman Joe Dise in… Continue Reading

MEMBER HIGHLIGHT: Pocket Change Inshore Fishing Charters

MEMBER HIGHLIGHT: Pocket Change Inshore Fishing Charters

Pocket Change Inshore Fishing Charters Reeling in Adventure!  The start of Pocket Change Inshore Fishing Charters is the stuff dreams are made of. Literally! “My son Anthony had built his own fishing boat and had been running small charter trips for about ten years while working a full-time job,” recalls Patricia Corcella. “I’d been thinking… Continue Reading

Fireworks on the 4th of July

Fireworks on the 4th of July

Every year, communities across the country celebrate Independence Day with displays of fireworks on the 4th of July. Those displays can be especially breathtaking when they’re reflected off the water here in the Tampa Bay area, and Madeira Beach and Treasure Island have fireworks displays worthy of every “oooh” and “aaaah.” Where’s the best place… Continue Reading

Member Highlight | The Club at Treasure Island

Member Highlight | The Club at Treasure Island

Top-flight Event Venue on the Beach “The Club at Treasure Island is a private membership club, true,” says Director of Marketing Joshua Cruz, “but we are also an attractive and affordable event venue on the beach for a variety of non-members’ special events.” Founded in 1972 as the Treasure Island Yacht & Tennis Club, this… Continue Reading

Member Highlight | Florida d’ Signs

Member Highlight | Florida d’ Signs

Owner: Andrea Yeager-Munsey 727-363-3866 http://www.floridadsigns.com/ Signs and … Hurricane shields! You’ve heard that old saying about necessity being the mother of invention? In Andrea Yeager-Munsey’s case, it was frustration, not necessity, that led her to start her current enterprise, Florida d’ Signs. “Andrea had a thriving water sport business for years along the beaches,” says… Continue Reading

Treasure Islettes Donation

Treasure Islettes Donation

The Treasure Islettes, the thriving women’s club of Treasure Island, have supported their community and other organizations since their inception in 1955. This year, the Islettes donated $32,300 for academic scholarships, the Treasure Island City Recreation summer camp, the Police Department, the Treasure Island Public works as well as to the Honor Flight. Four recipients… Continue Reading

Member Highlight | Baby’s Away

Member Highlight | Baby’s Away

Owner: Debbie Fisher 727-316-1233 / 800-252-0254 https://babysaway.com/   Keeping Vacations Carefree! Your ideal Florida vacation is in peril: You’re flying to the Sunshine State with an infant, a toddler, and a six-year old. “What were we thinking?” you ask your spouse. Three children in six years? And a trip to visit your parents on the… Continue Reading

MEMBER HIGHLIGHT: RGA Network

MEMBER HIGHLIGHT: RGA Network

RGA Network Founder and Chief Idea Officer: Mark O’Donnell 727-433-2774 RGAnetwork.net https://www.facebook.com/RGANetwork/   Wall Street Marketing at Main Street Prices When Mark O’Donnell laid the groundwork for Revenue Generating Activities, he introduced a fresh approach to professional business networking in Pinellas County. “I’d had years of networking experience,” says Mark, “but most of the groups… Continue Reading

Beach Access is now more accessible

Beach Access is now more accessible

Beach visitors who use wheelchairs, walkers, and strollers will now have easier access to Treasure Island’s white sand beaches. “We finished putting the MobiMat® Recpath™ in place at about eleven this morning,” said Justin Tramble of the City Recreation Department on April 27. “I went later in the afternoon and there were hundreds of people… Continue Reading

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