Healthcare Planning and the New Reality

Stay Up On The Latest News On Our Blog About Healthcare Planning!

More articles will be posted due to the formation of Chumenti & Fusco Wealth $ Health Planning, Inc

Healthcare Planning and the New Reality

New Technology Classes That M.J.F.'s Carriers Can Write

In this technoligical age we realize that there are many companies that are looking for a carrier that specializes in these type of coverages. M.J.F. has access to a carrier who understands the industry and its needs. If you operate one of these organizations then you should call M.J.F to discuss our niche program. We will design a plan that fits your unique needs based on the work that you perform.

Computer Consultants
Computer Training
Computer Facilities Management
Life Science & Biotechnology Consultants Office
Computer Hardware Consultants Office
Computer Software Consultants Office
Telecommunications Consultant Office
Information Technology Consultants Office
Custom Computer Programming
Data Processing Services, Hosting & Related Services
Packaged Software Development
Internet Service Providers
Web Search Portals
Website Design
Computer System Integrators
Software Research & Development - No Products
Information Technology Staffing
Personal Computer Repair & Maintenance
Optical Instruments & Lens Manufacturers
Computer Manufacturing
Telephone Apparatus Manufacturing
Radio & TV Broadcasting & Wireless Communications Equipment Manufacturing
Sound Equipment Manufacturing
Audio & Video Equipment Manufacturing
Printed Circuit Assembly
Camera & Photo Equipment (No Lenses) Manufacturing
Computer Storage Device Manufacturing
Computer Terminal Manufacturing
Computer Peripheral Equipment Manufacturing
Cable TV Equipment Manufacturing
Home Entertainment Equipment Manufacturing
Electronic Part & Equipment Wholesalers


M.J.F. is an independent insurance agency, let our independence work for you!
Licensed in NY, NJ,CT FL,PA & SC

A List of Some Hard To Place Risks That MJF Can Write

Commercial Auto

Demolition
Sanitation
Truckers
Dumps
Delivery
Tow Trucks
Household Movers
Sand & Gravel
Crane Program

Other Classifications

Alarm Installers
Bars & Taverns
Bed & Breakfasts
Catering Halls
Day Nursery / Preschool
Exercise / Health Clubs
Exterminators
Flea Markets
Foreclosue / Eviction Cleanup
Golf & Mini Golf
Hotel / Motel
Janitorial
Liquor Liability
Pawn Shops
Private Detective
Push Cart / Street Vendor
Recycler
Sports Camp
Tech or Trade Schools
Chiropractic
Home Healthcare
Hospice
Imaging Centers
Message Therapy
Medical Spa's
Nursing Homes
Physical Therapy
Podiatry
Rehab Facilities
Temp. Medical Staffing

Contact us today for more information and a no obligation quote!
866-983-8726

M.J.F. Offers Coverage For Boats, Hotels, Motels, Bed & Breakfasts and Inns

M.J.F. has recently added new carriers in NY,NJ,PA,CT, SC & FL.

Those new relationships have given us access to niche carriers catering to boat owners, hotel, motel, bed & breakfasts and Inns.

Our goal is to become a premier provider to these boat and business owners. Our carriers will offer coverage regardless of size.

In addition to these coverages for our hotel owners, we can also help you with your employee benefits package, group life, disability, workers compensation, commercial general liability, excess liability,liquor liability employment practices liability and commercial auto's.

We are a full service agency!

Contact us today for a comparison quote.

866-983-8726 or on the web at
www.mjfinsuranceagency.com

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Morey's Pier Help's Wilwood N.J. Schools Raise Funds

Wildwood 365: Morey's Piers introduces School FUNd Raiser Program

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Get Your NetSpend Prepaid Debit Card

NO CREDIT CHECKS
GREAT FOR DIRECT DEPOSIT
OF TAX REFUNDS & YOUR PAYROLL
CARD ARRIVES IN 7-10 DAYS
APPLY TODAY AT
www.mjfinsurance.com

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The Importance of Long Term Care Insurance

A breif explanation why planning and Long Term Care are important elements of your life. Long Term care will allow you to maintain your independence and possibly remain in your own home, not a nursing home. Contact us today for more information.

Click on The Importance Of Planning below
The Importance of Planning

Michael J. Fusco & John R. Chumenti Branch Out From Chumenti Accounting & M.J.F. Insurance and Create Chumenti & Fusco Wealth $ Health Planning, Inc.

Michael J. Fusco and John R. Chumenti have opened up Chumenti & Fusco Health $ Wealth Planning, Inc..

Together they will bring their tax and insurance expertise to help clients plan for retirement, longevity and estate planning.

John R. Chumenti has over 25 years in accounting, retirement and estate planning. Michael J. Fusco has over 20 years providing insurance and retirement products for his clients.

For a consultation you can reach us at mfusco@mjfinsurance.com

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'Biggest Loser' Frado backs free Staten Island Slim Down program that offers coaching and fitness classes, dangles 1G prize | SILive.com

Slim Down Effort Gets Major Endorsement from N.Y.C. Councilman James Oddo and Fredo "Biggest Loser"

M.J.F. Insurance Client Fresh Grill Delivery Service of Staten Island, also provides the nutritional meals that could help one lose weight by providing all natural servings. Each meal is individually prepared based on each persons needs on individual basis and delivers those meals homes daily.

'Biggest Loser' Frado backs free Staten Island Slim Down program that offers coaching and fitness classes, dangles 1G prize | SILive.com

Let M.J.F. Insurance Agency's Independence Work For You!

As an Independent Insurance Agency we offer you access to multiple insurance carriers. Whether you are looking to insure your business or to insure you, your family or personal assetts, we can help. We do all the legwork for you.

M.J.F. is licensed in N.Y.,N.J., C.T.,FL.,PA. & S.C.

VISIT OUR WEBSITE
www.mjfinsuranceagency.com

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Automobile Breakdown Coverage - For N.Y. Only

Has you factory warranty expired, experiencing more frequent visits to your mechanic?

We offer an extended vehicle warranty with 3 types of plans. Regardless of which plan you choose you still use your own mechanic. The plan will pay your mechanic for the repair!

Purchase your warranty and pay the full annual premium either by credit card or cash and we will give you a discount of $125 off your premium.
Must purchase by February 1,2011.

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New York, New Jersey Online Defensive Driver Courses

Want to reduce your auto insurance premiums? Now you can do so from your own home. 100% online and 30 days to complete the course. Access from any computer with an internet connection.

In N.Y. 10% premium reduction and it removes up to 4 points off your license. You can retake the course every 3 years.

In N.J. the discounts vary by carrier and you can remove 2 points from your license.

Course reports to D.M.V. within 48 hours of completion.

Course offered in conjunction with the American Safety Council.

Visit our website at www.mjfinsuranceagency.com or
www.mjfdefensivedriver.com

Online Florida Boating Safety Course also offered on our
www.mjfdefensivedriver.com

O.S.H.A. Safety Online Courses also available through M.J.F at
www.mjfinsuranceagency.com
www.mjfoshasafety.com

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Dog Bite Insurance for N.Y. Pet Owners

Call today if you have a dog not trained to attack and not a guard dog! We can offer you a $100,000 insurance policy to protect your assetts.

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Business Succession Planning For The Business Owner

Every business owner faces risk! Therefore there are several key questions that need to be answered if you own your own business.

Do you have a properly designed Buy-Sell Agreement. In other words have you put in place an agreement if one of the partners or co-owners was to leave due to death,disability or retirement. If you do then how is it being funded at this time? If not it might be wise to visit an attorney to formulate the agreement and then decide how it will be funded. Life insurance can provide a buyout fund when an event takes place.

Are there any business loans and are they personally guarunteed?

Most business loans require a personal guaruntee.These loans should also be backed with a life insurance policy and or a disability to cover the outstanding debt to have the peace of mind that the loan will be paid in the event of an event of death or disability.

Do you have enough funds set aside for the business to pay you a salary if you are beset by a prolonged illness and what will your absence mean to the business. Are you the key employee? Can you afford to find a replacement?

Who are the employees that you rely on or are the most valuable to your business? Can your business continue to maintain its current level of production or would it suffer without these employees?

Have you considered being what those employees mean to your business and considered additional incentives to retain their services? They may be the key the the business succeeding if you are unable to work or in the event of death allowing your family to continue managing the business because of your advanced planning.

If you have not prepared for any of these situations you may want to think about what it means to you and your family if your not prepared. You can continue your business and provide you and your family the ability to maintain your current lifestyle and independence.

Talk to your independent agent to set up your business succession plan today.

www.mjfinsuranceagency.com

A Listing of Some of the Insurance Carriers M.J.F. Represents

BRIEF LIST OF SOME OF OUR CARRIERS:

ACE
ARI
CHUBB
CNA
CRUM & FORSTER
DELOS INSURANCE GROUP
FOREMOST INSURANCE
GUARUNTEE INSURANCE COMPANY
GUARD INSURANCE GROUP
HAGERTY CLASSIC AUTO
HARTFORD
KINGSTONE
MET LIFE
NEW JERSEY SKYLANDS
NFS NATIONAL FLOOD SERVICE
HARTFORD FLOOD
NORFOLK & DEDHAM GROUP
PEERLESS
PROGRESSIVE
RLI SURETY
TRAVELERS
TOWER INSURANCE
UTICA FIRST
ZURICH

CONTACT M.J.F. TO FIND OUT HOW WE CAN HELP YOU SAVE ON PREMIUM.
WHEN WAS THE LAST TIME YOUR POLICY WAS REVIEWED?
WE REQUOTE YOUR POLICY ANNUALLY UPON RENEWAL WITH MULTIPLE CARRIERS!
WE WILL FIND THE CARRIER THAT'S RIGHT FOR YOU!

Advantages of Enrolling For Your Free NetSpend Prepaid Debit Card Through M.J.F.

If you don't have a credit card or a bank account and you live in a cash only world the card can be just the answer for you. To receive the card we need to provide a sociol security number or government document as listed on our website enrollment form.

This is not a credit card and therefore there are no credit checks to obtain a card. The card can be used to shop, pay bills onlineor over the phone where cash is not accepted.

NetSpend offers 3 different plans and they can save you money!

Bank & Cash Customers

Cash Customers can't take advantage of any E.F.T. Discounts

Bank Customers overdraw & are charged $20 per NSF

Cash Customer has to drive to cash their check, waits in line and drives to my agency to pay their premiums and other bills

Cash Customer pay a fee between 1 -4 % check cashing fee

Cash Customer may need to purchase a money order to pay multiple bills


NetSpend Cardholder

Use EFT / ACH payments to pay insurance premiums to receive EFT discount

No NSF's as you can only spend what you have loaded on the card

Receive funds through direct deposit or by loading cash

No check cashing fees, saving money if enrolled in direct deposit

Make payments over the phone or ACH from the card and save on money orders

Funds are FDIC insured!


Optional Features of the Card

Free 5.00% APY Savings Plan

Money management Tools

Ability to set up automatic payments with Bill Pay

Free anytime alerts

Person to person transfers



With Direct Deposit you will enjoy quicker access to the funds and Life Benefits


Enroll today on our website www.mjfinsurance.com or www.mjfinsuranceagency.com

You can receive your card within 7-10 business days
Have access to over 100,000 load locations

why not start by loading your tax refund on the card, no more waiting in lines, no check cashing fees, government gives EFT / ACH a higher priority for tax refunds over cutting paper checks.

The NetSpend Prepaid Debit Visa Card if Free just for enrolling through our websites

Michael Fusco
M.J.F. Insurance Agency
Authorized NetSpend Representative

A test of faith: 4 Staten Island Catholic schools to get ax | SILive.com

What Will These Closings Mean To Staten Island Students? What Will Be The Alternatives, Public School?

A test of faith: 4 Staten Island Catholic schools to get ax | SILive.com

M.J.F. Now Has Carriers For All Your Commercial Auto Insurance Needs!

Effective immediately, M.J.F. is rolling out it's enhanced line of carriers for commercial vehicles in the States of NY,NJ,CT,FL,PA & SC. We now have 8 carriers willing to write your business automobiles and trucks regardless of size and on a monoline basis.

Landscapers, general contractors,remodeling and repairing contractors,heavy construction contractors, paving contractors, road building contractors,grading contractors, trenching & underground contractors, special trade, heating contractors, sheet metal work contractors,plumbing contractors,mechanical contractors, air conditioning contractors and systems,ventilating contractors, electric contractors, masonary contractors, drywall contractors, insulation contractors cold & heat, roofing contractors, siding contractors, courier services, stucco contractors,excavating contractors, foundation contractors, demolition contractors, fence contractors, rigging contractors, millwrighting contractors, service vehicles for crain & oil field, marble contractors equipment & supplies manufacturer, dry wall contractors equipment & supplies,contracting equipment and supplies that are rented, decorating contractors for parties & conventions, contractors - engineering general, appliance distributor, beverage distributor, food distributors, florists, caterers, pool maintenance & repair, logging contractors and more!

Request Your Quote Today! www.mjfinsuranceagency.com or 866-983-8726

Only classes not elidgible are Public Auto, Emergency Vehicles & School Buses

III - What is covered by a basic auto policy?

Basic Auto Insurance policy Coverages! Know what coverage your policy provides!
III - What is covered by a basic auto policy?

How professional liability insurance can protect your business in a crisis - Philip Glick, ECBM Insurance Brokers and Consultants

The importance of professional Liability Coverage

How professional liability insurance can protect your business in a crisis - Philip Glick, ECBM Insurance Brokers and Consultants

Pontiac, Illinois News Article - Auto Museum Plan Approved - Fri Jan 07, 2011 at 07:45 am CST

Auto Museum Plan Approved
Pontiac, Illinois News Article - Auto Museum Plan Approved - Fri Jan 07, 2011 at 07:45 am CST

Workers' comp market vibrant in Florida, report says - Insurance - MiamiHerald.com

Florida Workers Compensation Update
Workers' comp market vibrant in Florida, report says - Insurance - MiamiHerald.com

Florida Appeals Court Rules Public Adjuster Ban Illegal

Florida appeals court rules public insurance adjuster ban illegal | Insurance & Financial Advisor I IFAwebnews.com

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