6 minute read
Playing from the Tips
Choosing Life Insurance Is Like Choosing the Right Club
Selecting the right club for each shot
is one of the most important decisions you make as a golfer, and you must consider the distance, wind and other hazards you face. Similarly, choosing the right type of insurance protection at each point in life can help protect your family’s finances and allow them to maintain their lifestyle should they unexpectedly lose you. Life Insurance Policies Explained
∎ Term life insurance guarantees a certain death benefit payout during a specified period, such as 1, 2, 10, 15, or 30 years, and then ends. Some insurance companies have a conversion period where you can convert part or all of the insurance to permanent insurance. ∎ Whole life insurance is permanent insurance that has fixed premiums and a guaranteed cash value accumulation that you can borrow against. Some polices include living benefits or longterm care provisions. ∎ Universal life insurance is like whole life, but gives you flexibility in the premium payments, death benefit amounts, and the savings or cash-value elements of your policy. ∎ Variable life insurance* is a type of permanent life insurance with cash value investment options that work like mutual funds which are called subaccounts, therefore there is the potential for loss or gains. There are no fixed premiums, but you need to pay enough to cover the insurance company costs and any losses due to market conditions. ∎ Simplified issue life insurance can be approved with only minimal health questions and is geared towards people who need to obtain life insurance right away, therefore it can cost more. ∎ Guaranteed issue life insurance is a type of whole life insurance policy that does not require any medical information; sometimes called “no questions life insurance.” It usually has a waiting period, usually two or three years, and if you die during that time your beneficiaries receive nothing. ∎ Final expense insurance is coverage for burial or cremation expenses and/or final medical bills. ∎ Group life insurance is a single policy issued to an organization covering its members or employees.
For more information about how to tee up the right life insurance plan to fund your life’s passions, hobbies and long-term dreams, contact Faye Sykes, CEO and Independent Wealth Advisor at 800-871-1219 or email fsykes@scarletoakfs.com. Advisory services offered through Capital Asset Advisory Services, LLC, a Registered Investment Advisor. *Variable contracts are offered by prospectus only. Investors should consider the investment objective, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other important information, is available from your Financial Advisor and should be read carefully before investing.
A Turf Pirate‘s Journal — Introductions Are Necessary
The ancient and honorable Tribe of Turf
Pirates has unofficially existed since turf was first cultivated. Turf Pirates have earned a reputation for working hard, playing hard and demonstrating a mastery of multiple crafts. They are also elusive creatures demonstrated by their unofficial status and lack of a definitive start date. Successful turf pirates can often fly many flags and wear many hats such as agronomist, arborist, horticulturalist, electrician, plumber, evangelist and meteorologist to name a few. They are as a group diverse and complex full of adventure and protocol and protocol dictates that introductions are necessary and proper. I am Anthony Williams and I am a Turf Pirate. I was likely born a Turf Pirate on our family farm in Indian Creek, Georgia growing coastal Bermuda grass hay. I became aware I was a Turf Pirate in 1984 at the Palace Saloon (the oldest bar in Florida) with my mates from Abraham Baldwin Agricultural College (GEE HAW WHOA BACK) while sampling Pirates Punch as part of an ongoing research project. We were young black belts under Grand Master Young Seon Seo (Moo Duk Kwan/ Tae Kwon Do) and we were soon to graduate and seek our adventures in the golf industry. It is also important to note that my then girlfriend and now wife (Phyllis) of 36 years was there the day I became a Turf Pirate so she knew what she was getting into. I have traveled the world chasing the legends of turf. I have walked turf plots with Dr. Glen Burton. I have shared a one hour cab ride with Dr. Frank Rossi. I am a pupil of the grandest southern gentlemen of Turf Mr. Palmer Maples Jr. I have had the honor of working with my brother from another mother Mr. Bruce Williams. I began my journey in golf turf at the suggestion of Dr. Eddie Seagle and owe my college degree in large part to Dr. Rosemary Johnson. I have stayed my course through calm and stormy seas. I stayed 20 years at my first course (14 as Director of Agronomy) then I was superintendent of three different clubs in six weeks before completing 30 years of service with Marriott Golf (I have been to Orlando a million times). Through car wrecks and karate championships I broke 24 bones and lost my gall bladder but found a new heart valve and through it all I have recruited more Turf Pirates, 33 at last count. If you thought you saw me around Florida I was for a time the Director of Sales and Marketing for Green Technologies working with Florida legend Dr. Amir Varshovi. I have won 39 green industry awards and published two books and written a plethora of articles thanks to my friends at TOCA. The last four years I followed my cowboy roots and have flown my flag in Texas at TPC Four Seasons Golf and Sports Club Dallas at Las Colinas. I am currently President of the North Texas Golf Course Superintendents Association. Are you a Turf Pirate? Turf Pirates are masters in the art of living. They make their way seeing no difference in their work, play, love or religion they simply pursue their vision of excellence with all things leaving it up to others to decide if they were working or playing, to them they are always doing both. Turf Pirates raise your glass to those who grow the grass. BTW if you have never had shrimp and grits over the ocean you should question your life choices.
Sunn 28-0-0
N-SURE ITEM #160031 GUARANTEED ANALYSIS
Sunn KTS
Soluble Potash (K2O) ..............25% Total Sulfur (S) .........................17% 17% combined sulfur 0% free sulfur
Derived from: potassium thiosulfate
Minors Blend
Total Magnesium (Mg) ..........0.50% Soluble Magnesium (Mg)....0.050% Soluble Iron (Fe) ...................3.40% Chelated Iron (Fe) .................1.60% Total Manganese (Mn) ..........0.25% Soluble Manganese (Mn)......0.25% Soluble Zinc (Zn) ..................0.10% Sulfur (S) combined..............3.50%
Derived from: Manganese Sulphate, Zinc Sulphate, Iron Glucoheptonate, Iron Sulphate, Magnesium Sulphate.
Sunn 6-0-0 Blend
Total Magnesium (Mg) ..........0.50% Soluble Magnesium (Mg)......0.50% Soluble Iron (Fe) ...................3.40% Chelated Iron (Fe) .................1.60% Total Manganese (Mn) ..........0.25% Soluble Manganese (Mn)......0.25% Soluble Zinc (Zn) ..................0.10% Sulfur (S) combined..............3.50%
Derived from: Manganese Sulphate, Zinc Sulphate, Iron Glucoheptonate, Iron Sulphate, Magnesium Sulphate.
Sunn 12-0-0 Blend
Total Nitrogen ..........................12% 12% Urea Nitrogen Chlorine not more than..............2% SECONDARY PLANT FOODS
Iron as Fe...................................6% Manganese as Mn.....................2%
Derived from: Urea, Iron Glucoheptonate, Manganese Glucoheptonate
Manufactured by SUNNILAND
CORPORATION
PO Box 8001 Sanford, Florida 32773-8001
www.sunnilandcorp.com
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