July 2010

Welcome to The Flood Group
 

Hello and welcome to The Flood Group Monthly Newsletter.  Below you will find tips and articles to help you make informed decisions on and about insurance.  Enjoy!

 
Americana Mortgage Group RecognizedAmricana Logo
 

Do the lowest mortgage rates since the mid-1950s mean it's a good time to refinance your home loan?

That depends mainly on what rate you have now -- and whether you're planning to move anytime soon. Experts advise weighing your options carefully.

 
Bob Moulton, Founder and CEO of Americana Mortgage Group Inc.,  has been ranked amongst the top loan originators of residential mortgages of 2009. Scotsman Guide has recognized Bob as a top mortgage loan originator in the country for the 15th year in a row. With offices in Manhasset, Southampton, and Palm Beach, Americana Mortgage Group, Inc. specializes in financing and refinancing one to four family homes, coops, and condominiums.

 

Bob says: "you have to keep in mind everyone's scenario is different and the rates which clients can secure will depend on certain criteria thresholds. Depending on the equity in your property, income, assets and credit are factors that will determine the availability of the prevailing rate."

 

Bob let us know that the Americana team are happy to review your scenario and discuss all options available to you as clients of The Flood Group.

 

Americana Mortgage Group, Inc. is a registered mortgage broker with the New York State, Connecticut, and Florida Banking Departments.  Loans are arranged through third-party providers. The firm is headquartered at 1615 Northern Blvd., Manhasset, with an office in Southampton at 1673 North Highway, to serve the East End.   For information call 516-627-0200, x10.  www.AmericanaMortgage.com

Five Things All Small Businesses Should Do To Prepare For This Years Hurricane Season
 
With this year's hurricane season upon us, Travelersreminds small business owners of the importance of being prepared for hurricanes. June marks the beginning of hurricane season and Travelers has developed a list of the top five things that small business owners can do to make sure their businesses are properly protected should a storm hit.
 
 
Managing Your IT 

Once you've watched the DIY Network, you're left feeling codnfident that you can update a bathroom, repair your deck or landscape your yard like a pro. Even if you're only moderately handy, successfully completing a do-it-yourself project is rewarding.

IT management, on the other hand, shouldn't be a do-it-yourself project, according to a growing number of agency owners. And if you have tried to do it yourself, chances are, it wasn't rewarding.

Issue: 5 

In This Issue
Top Loan Mortgage Company
Prepare Your Small Business
Managing Your IT
Monthly Insurance Tip
Monthly Insurance Tip
 
A strategic risk management program, based on questionnaires, surveys, reports and sound advice from professionals can assist you to actively protect your business. Insurance, as part of this program, will give you peace of mind that you may be able to resume trading in the event of a disaster or a liability claim against your business. 
 
 
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Questions or Comments?

Terry Flood & Brian Flood
The Flood Group, LLC 
 99 Tulip Ave., Suite 201 
Floral Park, NY  11001
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