A6-Jensen Beach Country Club Living-Vol.552

Brunt Insurance & Financial Services: Your Neighborhood Agents

Mostlikely, the single largest investment most of us will ever make is buying a house. So, it is critical that this valuable investment is properly protected.

Gregory Brunt, the owner of Brunt Insurance & Financial Services, and his team of six fully-licensed producers are able to provide this comprehensive peace-of-mind because they know their clients. e family-oriented agency is dedicated to making the insurance process seamless and worry-free! ey will design custom insurance coverage based on each client’s lifestyle and budget.

Unlike agents who work for just one insurance company, the Brunt Insurance & Financial Services’ team sells policies from multiple top insurance carriers so that their clients have the best policy at a competitive premium.

A er working for State Farm Insurance for 9 years, Greg wanted to be part of the Martin County community and build more local relationships. In 2013, he ventured out on his own as an independent agent and opened Brunt Insurance & Financial Services in Broward County.

By Gina Zuk

“We started as a ‘scratch agency,’ which means we didn’t buy anything. We started with two phones, two computers, and not a single client,” describes Greg. Today, Brunt Insurance & Financial Services has 3 locations, serves approximately 3,000 clients, and writes policies with over 100 home insurance carriers.

For mortgaged homes, most lending institutions require insurance coverage on the home, including ood coverage, to protect the collateral securing the loan. Florida law does not require the purchase of homeowners insurance, but it is most certainly a wise decision to insure your home!

Brunt Insurance & Financial Services o ers wind mitigation inspections on dwellings. Some examples of mitigation upgrades include installing additional protection for one or more openings in the home, bracing gable ends, and adding secondary water resistance on a roof. ese upgrades can save you thousands of dollars on your insurance premium.

A Full-Service, Mid-Size Agency

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With A Boutique Feel

Greg explains that his agency is growing in size, especially since recent mergers with Langford Insurance and Haugk Insurance agencies. It is important to Greg, however, that Brunt Insurance & Financial Services still maintains a “boutique” agency mentality, wherein every client is receiving personalized service. Greg states, “If someone calls in for a quote, I like to take the call and get to know the client. If there is a claim, I get involved.”

Greg employs a “hands-on” approach, and enjoys educating his clients about insurance coverage so that they can make informed decisions about a policy or a claim. He attributes this passion to his early years in the insurance industry, when he worked for an insurance carrier that catered to teachers. He appreciated that educators liked to be educated and informed, and it stuck with him.

Brunt Insurance & Financial Services is dedicated to providing insurance and nancial products that provide quality protection and value-added service. e agency o ers automobile, homeowners, condominium, renters, and life insurance policies. “If you can ride it, drive it, or live in it, then we can insure it,” says Greg. He goes on to explain, “ e best part is we insure the home and auto, so clients can insure their golf carts, boats, trailers, motorcycles and RVs. Being able to package everything together is ideal.”

Brunt Insurance & Financial Services also o ers retirement planning, annuities, and other nancial solutions to both full-time and “snowbird” residents. e bene ts of choosing Brunt Insurance & Financial Services don’t stop at nding a policy! If you ever need to go through the daunting procedure of ling a claim, then Greg and his professional producers — Lee, Kaci, Pietro, Ashleigh, Tamara, and Kristy — will guide you through the process with personal attention every step of the way. In fact, if a client gets involved in an automobile accident, then Greg advises them to call him rst. is dedication is not the type of service you would get from a large, commercial company with a call center.

Trust Your Neighbors

Are you sick of calling random insurance agents to get insurance quotes? Look no further and trust your neighbor! Greg Brunt grew up in Cooper City, Florida and has

been a lifelong Floridian. He and his family recently moved to the Treasure Coast, and reside right here in Jensen Village. He and his family love Jensen Beach and the schools, and they are excited about being part of this tight-knit community!

Great insurance coverage begins with a quote. Customers may either call Brunt Insurance & Financial Services or ll out and submit the information form at bruntinsurance.com. A producer will call you back within 24 hours to gather more information for a custom insurance quote.

Brunt Insurance & Financial Services will service the entire state of Florida, from Pensacola to the Keys! e Martin County o ce is located in the Royal Palm Financial Center at 759 SW Federal Highway, Suite 200D, in Stuart. It is open Monday through Friday from 9AM to 5PM. For more information or to get a FREE quote, call 772-494-2720 or email greg@bruntinsurance.com.

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not an exact measure, a 20% stock market drop from the most recent high is what we call a “bear market”. It consists of lows,

by lower lows, with minor highs that don’t reach the previous

March 23rd, 2020 was the lowest point of the S&P 500 closing at 2,304.92. On January 3rd, 2022 the S&P 500 reached an all-time high, closing at 4,796.56. Since then, the index hasn’t reached January levels again. But remains about 1,500 points higher as we enter the 4th Qtr. of 2022. ese are not alarming uctuations. Nonetheless, it’s a call to proceed with caution.

e red line on the chart helps visualize the decline, while “tuning out noise” or temporary rallies. ese rallies typically result from speculation that doesn't always a ect stock markets in a fundamental manner.

In a bear market, investors normally have a small window of opportunity to be proactive and make necessary adjustments to their portfolios. Recent market volatility and the Federal Reserve’s remarks on continued rate hikes, hint the possibility of a prolonged bear market. But changes in economic policy are reactionary measures, not anticipatory. e Federal Reserve works slow and now their attempt to stabilize prices might be too little and too late.

People normally panic in times of turmoil, challenging their ability to make rational investment decisions. e most common emotional reactions are herding behavior, recency bias and knee-jerk reactions. While I don’t have the right to tell you not to panic, I have, however, the training and education to tell you there’s no need to panic, yet. ese are economic concerning times, but we’ve been expecting a big stock market crash for quite some time now. A cycle shi from unprecedented growth due to easy money is long overdue.

ese cycles happened in the past, all over the world, and the only reason we may not recognize them immediately is because they haven’t happened in our lifetime. We didn’t live through the “Roaring 20s”, or e Great Depression; we read about it. We remember high interest rates of the early 1980s but were starting to or in the middle of saving for the future. You probably can’t identify if they impacted you in a signi cant way. We remember most vividly the last 20-25 years.

If you proceed with caution, seek nancial literacy and professional advice (with a focus on risk management), there’s a higher probability the current economic pressures will not lead to nancially devastating decisions, as you will be better prepared and more conscious of what’s happening. Beware of bear market traps. Chasing a er short-lived market returns, listening and reacting to noise, even procrastination, may not yield you the desired outcome.

by Emmelis Keaney, RFC®

"WE BELIEVE THE BEST WAY TO BUILD WEALTH IS BY ADDRESSING WHAT CAN LEAD YOU TO LOSE IT IN THE FIRST PLACE" -Ernesto Keaney

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Every two weeks, My Living Media direct mails 90+ unique, glossy-print magazines to a uent homeowners in highlytargeted communities within 5 counties: Martin, St. Lucie, Indian River, Okeechobee, and Palm Beach. We also o er select magazines on racks at popular public locations in Vero Beach and Okeechobee counties.

In total, My Living Media reaches over 300,000 homes on the Treasure Coast and in Palm Beach County BiWeekly!

Of course, every business has a story. Why not tell yours? My Living Media’s leading editorial and advertorial opportunities within the Living Magazines allow you to attract even more people to your business as you separate yourself from the competition. Let your local communities know what makes you so special! Our advertisers already have extraordinary ROI… imagine how a well-written and beautifully-designed 2-page spread boosts that response. Better yet, call us! We’ll be happy to share our success stories with you.

In addition to the beloved Living Magazines, My Living Media designs, prints, and direct mails glossy postcards and insert yers & menus. With these high-quality print products, your business can target speci c zip codes on the Treasure Coast and in Palm Beach County every two weeks. Reach the right clientele at exactly the right time!

My Living Media’s digital, social, and mobile marketing opportunities are the perfect complement to your print advertising campaign.

As a locally-owned and operated multimedia marketing company, My Living Media prides itself on providing our advertisers with comprehensive, competitively-priced solutions to connect with their communities. To deliver this value, My Living Media o ers free digital, mobile, and social media marketing posts and pages for each and every one of our direct mail clients to reach countless South Florida residents beyond our circulation areas. We love small, local, and family-owned businesses… your success is our passion!

By Gabby Gregory

Every 5,000 miles, like clockwork, you take your car to get its oil changed and tires rotated. It’s basic, routine maintenance, but that consistent attention and upkeep is vital for your vehicle to run e ciently, especially over a number of years. Your body, much like your vehicle, requires regular care and treatment to keep it healthy. And, again like your automobile, your body needs support from someone other than yourself, a professional who can guide it to achieving its utmost abilities and to retaining its peak performance.

Getting older, playing sports, or having a condition like sciatica or arthritis shouldn’t hold you back from living your life! You can feel like your younger self again, the one who didn’t feel any aches or pains when walking, running, jumping, or even sitting… all you have to do is visit Stretch Zone.

Drew Brees, former quarterback of the New Orleans Saints, is the newest partner at Stretch Zone who advocates for people to regularly get stretched. A er personally going to Stretch Zone for an assisted stretching session, Drew was impressed with the uniquely e ective and nationally accredited Stretch Zone Method®, which is administered by a highly-trained and Stretch Zone-certi ed stretch practitioner.

Here’s How It Works:

1.) Your rst session begins with lling out an intake form and having a consultation with your experienced and knowledgeable stretch practitioner. Based on your medical background and your personal goals, the stretch practitioner will personalize the ensuing 30-minute assisted stretching session to meet your individual needs.

On subsequent visits, you’ll simply do a check-in with the practitioner to update your medical pro le with any recent changes and/ or any new pain or discomfort that you might be experiencing.

2.) e stretch practitioner initiates the rst steps of the approved Stretch Zone Method®, utilizing Stretch Zone’s special patented straps to encourage your body to relax and ease into the stretches. You won’t nd these straps anywhere else! Comparable to a thunder jacket for your pets, they are meant to calm your mind so that your entire body is perfectly loose, thus allowing the stretch practitioner to stretch your body to its full potential and, as a result, provide you with both preventative maintenance and pain relief.

3.) Assisted stretching (a/k/a passive stretching) is di erent from physical therapy in that your body is being stretched by someone else; thus, you’re not actually doing any work. roughout your 30-minute session, the stretch practitioner will be steadily interacting one-on-one with you, ensuring that you are completely comfortable and not experiencing any pain. Ultimately, you are in control of the stretch, even as your practitioner guides your body through each

and every step, because you tell the practitioner when you feel your best stretching position. e more you communicate, the better results you’re going to get!

Take advantage of Stretch Zone’s incredible FREE 30 Minute Stretch Session! Anybody and everybody can and should be stretched.

In fact, one Stretch Practitioner I spoke with at Stretch Zone says, “98% of the people I see in front of me really need to be stretched. is is something you should not live without.”

Remember, it’s just like getting your oil changed! Plus, celebrities and professional athletes have been getting stretched for years, so it’s time for the general population to be clued into the secret!

Get your FREE 30 minute stretch for yourself or do it for a friend or loved one… what better way to say you care than to give the gi of making life easier, of feeling healthier, lighter, and younger, and of feeling like yourself again?

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Life is becoming more and more di cult to navigate, it seems to me. Too many choices! Even the small stu ba es me at the grocery store, the drug store, home depot, Lowe’s and on and on. For example, I don’t know the last time any of you have gone into a home supply store to purchase a light bulb, which a few years ago was a no-brainer. Your bulb blew, you know the wattage you needed, you go to the store, pick the package up, the wattage was on the front, and check out was a cinch. Now, the row of light bulbs goes on forever, and I cannot ever understand what it is they are trying to sell me. Daylight, warm light, bug light, intense light, so light…etc. Indoor, outdoor, indoor/outdoor, clear glass, frosted glass…I know you know what I’m talking about!

When was the last time you went to the grocery store for a simple package of cookies? I spent een minutes wondering what kind of cookie I should chose, because the entire row is stu ed with every possible color, avor, thickness, and size. Gluten free, sugar free, crunchy, so …some which have also become cereals…that seems to be the latest trend…if you love your cookie, you can probably nd it in the cereal aisle, posing as breakfast, so you can have it with a bowl of milk for breakfast..

by Dr. Melfi, Ph.D.

For me, the worst is purchasing a mattress…Just when you’ve found a mattress you love, it’s time to change it for a new, less lumpy one, but the problem is, although the manufacturer may be the same, Sealy, Serta, Beauty Rest, etc. the name and style number of the mattress you love has been changed to a completely di erent name. When I asked about this, one salesperson said it is not uncommon for mattress names to be changed or eliminated, sometimes every six months, thereby causing immense confusion. As well, I don’t see how lying on a mattress in a showroom can possibly give you all the information needed in ve minutes, and it usually doesn’t. If I worked in a mattress store I would be completely bald from pulling my hair out, knowing full well that the mattress someone choses is going to be coming back in a month, and another one purchased. Imagine how ludicrous it is to spend ve minutes lying on a model, and eight hours sleeping in bed, tossing and turning, knowing you made the wrong decision and lying awake the rest of the night hoping for just one more chance…and that’s usually all you get…one more chance. If your second choice (usually a er having a miserable 30 days on the mattress before it can be exchanged) doesn’t work out…well, too bad. You’re stuck with it!

It’s the same with purchasing a car. Turn the clock back several decades to Ford, Chevrolet, Pontiac, Plymouth and a few others with perhaps a choice or two in each category. Now, there are a zillion cars, and sub-zillion models, to test drive, and you are expected to spend anywhere between twenty-thousand dollars to over one hundred thousand dollars for a car you might not even like a er a week or two. Not to mention, that if you’re purchasing a new car, the minute you drive it o the lot, it has depreciated! Yet, we all seem to accept this. ink of it. One of the major purchases aside from a house, is essentially made blind, and guaranteed to go down in value.

For What it’s Worth, this should not be the norm, and yet it is, for every household in America. It’s no wonder we’re all exhausted at the end of the day, hoping for rest. Unfortunately, many of us will not get a good night’s sleep on the mattress we bought!

We bill the insurance company directly

Q: What is Mold?

A: Mold is a type of fungi that is naturally occurring in the environment.

Q: How does in grow?

A: In order to grow, mold needs water, oxygen, and a food source, such as wood or drywall.

Q: Where is it found?

A: Mold grows in a place with a lot of moisture (leaks in roof, windows, pipes, etc.).

Q: How fast can it grow and become a problem?

A: Mold can easily grow within 24 to 48 hours.

Q: Are there any health risks?

A: Mold can cause nasual congestion, throat irritation, dif culty breathing, coughing, or wheezing.

Q: How can I prevent mold growth?

A: Fighting mold starts by ghting moisture.

Q: How do I get rid of mold?

A: The air in all affected areas should be treated to kill & remove spores.

70%

Of Homes are estimated to have mold behind walls

Of chronic sinus infections have been attributed to mold

Of all asthma cases in the US are attributable to dampness

mold exposure

Million buildings in the US have

The Top 9 Benefits of Hurricane Impact Windows

1.) Stronger Protection and Greater Insulation from Storms Impact windows (a/k/a hurricane windows) are designed to withstand Category-5 hurricane winds (200-mph+). An interlayer is situated between two thick layers of glass, ensuring that absolutely no water, debris, and/or wind will enter your home to cause damage. Even if the outer glass of the window is somehow punctured, the glass is designed to crack in a spiderweb pattern, thus eliminating the possibility of the window blowing out entirely.

2.) Energy-Efficient

Hurricane windows seal off the interior of your home so well that your air conditioning bill can decrease. You don’t have to worry about your air, or your money, going out the window—literally.

3.) Less Time, Energy, and Anxiety

With alternative storm protection methods, you need to invest your time and energy preparing your home for the impending storm. This preparedness can cause you stress if something suddenly does not work or requires more than one person to work. Hurricane windows, on the other hand, are hassle-free and require no work on your part.

4.) Increased Lighting with UV Protection

In the event of a hurricane, with impact windows, you can rely on having natural light as a resource without compromising your security. Additionally, the glass has greater UV protection, so any light that does come through will not cause fading on your carpeting or furniture.

5.) Noise Reduction

Impact windows are thicker, so you can relax in your home without having to hear the hustle and bustle of the outside world... or any neighbors’ pets.

6.) Intruder Protection

By Gabby Gregory

If 200-mph winds cannot destroy hurricane windows, then burglars stand no chance! Would-be intruders will be disappointed to learn that your home has impact windows because there is little chance that they will be able to break them.

7.) Lower Insurance Rates

Your insurance company will be so excited to learn that you are giving your home the best protection possible that it will likely reduce your rates.

8.) Higher Property Values

Homes with hurricane windows have higher property values. If you ever sell your house in the future, you will attract buyers who are willing to pay more for the added protection.

9.) Made in the U.S.A.

Hurricane windows from Max Guard are crafted entirely in the United States of America. When you choose Max Guard impact windows, you are supporting the American workforce and economy!

So, what are you waiting for? Give the professionals at Max Guard a call today to find out more about how their hurricane windows will protect you, your family, and your home.

The new Max Guard Hurricane Windows showroom is located at 2257 Vista Parkway, Suite 28, in West Palm Beach. It is open Monday through Friday from 9AM to 6PM and Saturday 10AM to 2PM. For more information, please call 561-566-5MAX (5629) or visit MaxGuardHurricane.com.

By Gabby Gregory

medical MARIJUANA Is

just more…FAKENEWS?

Bynow, you’ve likely heard the almost miracle-like anecdotes from “patients” on the news about medical marijuana as it becomes more mainstream. When I hear these stories, I have to wonder: are they legitimate? I had to know the TRUTH, so I arranged to sit down with Dr. Anne Lynn Morgan, the Chief Medical Of cer at MMJ Health, Florida’s top-rated medical marijuana doctor’s of ce.

Many people don’t know that medical marijuana is legal in Florida, let alone readily available at over 250 in-state dispensaries (imagine a pharmacy speci cally for medical marijuana). For years, pop culture has depicted marijuana primarily as a recreational drug, but there’s more to the plant than what’s shown on the silver screen. Since its legalization, medical marijuana’s profound effects have changed the lives of countless Floridians. Dr. Morgan, as Florida’s top rated Medical Marijuana Specialist, is responsible for much of this positive impact. Indeed, she and the staff at MMJ Health were honored to be named by The Palm Beach Post as the “Best Medical Marijuana Card Provider” for their level of service and ef cacy in 2020!

Additionally, Dr. Morgan is an expert in the eld of medical marijuana, and is among one of the most respected clinicians in the industry. She sits on the board of directors for the American Academy of Cannabis Medicine, is a member of the International Cannabinoid Research Society, and is considered to be one of the industry’s highest-rated cannabis clinicians (no pun intended). Dr. Morgan has been in practice for 33 years and was the former Medical Director for United Health, Metropolitan Health, and Humana.

Dr. Morgan has been practicing marijuana medicine speci cally for the last 9 years, with licenses in Florida, Washington, and Pennsylvania. After years of education, research, and hands-on experience, Dr. Morgan attests to the relief medical marijuana brings to people, saying, “We have found that we have over a 90% success rate with medical cannabis.”

Dr. Morgan explains that medical marijuana patients at MMJ Health, rather than experiencing psychoactive effects or feeling high, nd relief from various medical conditions, including anxiety, depression, insomnia, arthritis, cancer, IBS, epilepsy, PTSD, autoimmune disorders, migraines, Parkinson’s, ADHD, Fibromyalgia, dementia, Alzheimer’s, and more. Medical marijuana is not for getting high, it’s for feeling better! How does it work? It’s simple –THC and CBD.

THC and CBD are two chemical compounds that come from the marijuana plant and affect the endocannabinoid system, the human body’s natural system for processing cannabis. “The endocannabinoid system’s reason for existing is to keep our bodies in homeostasis, i.e. healthy and balanced. Cannabis can positively affect so many systems in the body that are not being managed properly by pharmaceuticals,” says Dr. Morgan. Many of MMJ’s patients, since using medical cannabis, have been able to drastically reduce their prescription medication regimen, or have stopped taking prescriptions altogether!

Marijuana is still classi ed as a Schedule 1 substance federally, but Dr. Morgan explains, “It’s not what you think… Medical marijuana is not a narcotic. In fact, after using medical marijuana, many of our patients have reduced taking narcotics and/or opiates without even being asked!”

Medical marijuana is not like anything sold on the street... it’s completely safe! When you get your marijuana from a dispensary, you don’t have to worry about whether it was adulterated. Dr. Morgan clari es, “Florida has very stringent rules about how medical marijuana is grown and prepared, so you know it’s clean, pesticide-free, and has no bacteria or viruses.”

Medical marijuana has become a go-to for doctors across the nation to give their patients relief from a myriad of conditions without having to worry about the severe side effects associated with many pharmaceuticals. For the patients at MMJ Health, medical marijuana is 100% making a difference in their everyday lives. The stories are real. Dr. Morgan says that it is not uncommon for patients to cry, hug, and thank her because they are feeling better than ever since using medical cannabis. Dr. Morgan has seen the results, and she urges anyone and everyone to consider trying medical marijuana.

MMJ Health is at the forefront of technology, so nding out if you qualify for a medical marijuana card is super simple! The MMJ Patient Quali cation System, accessible at www.mmjhealth.com, allows you to nd out in minutes whether you qualify. If you do, then the MMJ Health of ce will contact you. MMJ Health has all of the resources necessary to get your health back on track!

So the real question now is: why wait? MMJ Health is the only all-inclusive medical marijuana of ce in Florida, so you can get quali ed for your medical marijuana card in one visit. The friendly and knowledgeable staff will ll out the tricky government application for you, take your ID photo in their of ce, and submit all of your paperwork to the Florida Health Department. The only thing you have to do once you leave their of ce is wait for your card!

“You shouldn’t have to suffer… medical cannabis can help you! We are real doctors who provide real results,” says Dr. Morgan. The expert staff at MMJ Health encourages you to “Please come and see the MMJ Health difference. We care, we make a difference as a team, and we know our cannabis medicine. Isn’t it time to live your life the way you want, symptom and side-effect free?”