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Important Note:

June through November our agency may become prohibited from binding coverage should a “Tropical Disturbance” enter the Gulf of Mexico or Caribbean Sea.

In these cases we may be unable to bind new coverage quoted in open proposals until the storm leaves our area and our binding authority has been restored.

Please arrange your coverage protection early to avoid this type of delay. While we regret any inconvenience, the carriers impose these restrictions on all agencies.

Should EFTs Be Part of Your Investment Strategy?

Exchange-Traded Funds (or EFTs) are an equity that is traded on the stock market just like all other stocks. Unlike publicly traded companies such as AT&T, these stocks are under the umbrella of a group of companies. Like publicly traded companies, they have their own stock ticker. EFTs offer advantages that mutual funds do not, and are worthy of any investor’s consideration.


With EFTs, you have the opportunity to invest all over the world, so they are worth a look if you need to diversify your portfolio. Virtually any segment of the market is available, from diamonds to technology. You can invest in EFTs that are country-specific, or EFTs issued by a specific index such as Dow Jones or Nasdaq.  Specialized EFTs make it possible for you to easily invest in specific industries, such as energy or biotechnology. With EFTs, you will not be putting all your money in one basket, since each one represents several companies.


With EFTs, you can find out where a fund stands each day, rather than waiting for a quarterly report. During troubled times, being able to identify problem areas in your portfolio and get out quickly can save you money.


As with stocks, you can buy and sell EFTs during the trading day. This lets you avoid the hassle (and potential losses) of dealing with an investment company and waiting until the end of the day tofind out the value of your shares, as you would with a mutual fund. If you enjoy tracking the stock market’s performance throughout the day, you can purchase an EFT while the S&P 500 is experiencing a steep rise and then sell it once it appears to be leveling out.


When compared to mutual funds, EFTs are the better bargain. Active EFTs charge roughly half the amount as mutual funds. To keep expenses as low as possible, shop at a low-price brokerage where you can purchase EFTs for under $10 and invest in increments of $1000 or more.

It is hard to beat the flexibility of EFTs. Their ease of use and cost makes them an choice that almost any investor should consider. On the other hand, if you are primarily interested in making small contributions on a regular basis, a mutual fund may remain your best choice.