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| Quick quiz |
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Each month I'll give you a new question.
Just reply to this email for the answer.
William Shatner was born on March 22 of which year?
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| What Insurance Coverage Does Your Hobby Need? |
So many Americans pass the time with hobbies that keep them entertained and add value to their lives. From collecting model trains to restoring antique furniture, there are a variety of ways that your hobby can add up to a substantially expensive endeavor. Some hobbyists' collections or work are worth thousands of dollars.
Most collectors rarely think of the value of their hobbies, instead of focusing on the enjoyment they provide to them and their families. Hobbies can quickly add up to significant amounts of money whether you build, collect or play. If you've invested quite a bit in your hobby, it is worth it to do a quick review.
The first question you should ask is if the value of your items and supplies themselves is worth more than $500. If so, you should take action to make sure they are properly protected.
Carefully review your
insurance policies to ensure your homeowners or renters policy covers the items you use for your hobby in case of damage or theft.
For some very expensive hobbies, you may want to look into a separate rider that covers the amount of money you would need to replace your collection or hobby supplies. There are certain limits to most policies, and high-value items may max out the coverage. Earthquake and Flood can be added Perils if its needed, even though that is a pricey policy.
Even if your hobby investment is less than $500, make sure to include the high-priced items in your home inventory list.
If you have any questions about how your insurance policy covers your hobby or if you need a separate rider, contact our office today via email or phone. We are always here to help. |
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| Are You in Danger from Identity Theft? |
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At least nine million Americans have been the victims of identity theft. Don't be one of them!
Discover how to protect yourself and those you love from the pain and expense of having your identity stolen by requesting my free guide, "Inside the Mind of an Identity Thief."
Just reply to this email and I'll send it right out to you.
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| Defying Convention: The Story of Josephine Baker |
On International Women's Day this March 8, we collectively honor the wonderful women in our lives as well as the fierce females who have shaped history. One such exemplary feminine figure is the multitalented Josephine Baker, the American-born French entertainer known for defying convention and leading a lavish lifestyle. But behind the glitz and glamour of her showbiz career lies the fascinating storied life of a woman truly ahead of her time.
Born in St. Louis in 1906, Baker overcame poverty, life on the streets and two early unsuitable marriages to become the "highest-paid girl in vaudeville." After an opportunity to tour Paris, she transformed herself from ingenue to all-singing, all-dancing diva.
However, it wasn't long before war blazed through Europe and Baker was recruited into the Deuxième Bureau, France's military intelligence agency.
Her busy touring schedule provided the perfect cover for her wartime activities as a spy for the French Resistance, which included smuggling information in invisible ink on sheet music.
After the war, Baker returned home to the States to champion civil rights causes. During her tireless campaigning, she formed an adoptive family comprised of children of different ethnicities she dubbed the "Rainbow Tribe" and became the only official female speaker at the historic 1963 March on Washington.
Over a decade later, the formidable icon passed away after a rousing retrospective revue in Paris, fulfilling her own prophetic words: "I shall dance all my life. I would like to die, breathless and spent, at the end of a dance." |
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| Quick Corned Beef Hash |
Why not give a nod to St. Patrick's Day with this delicious and easy breakfast recipe? Enjoy with scrambled eggs or add a fried egg on top.
Serves 4 |
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Ingredients
• 1/2 yellow onion, chopped
• 2 pounds russet potatoes, peeled and diced
• 4 tablespoons unsalted butter
• 1 teaspoon kosher salt
• 1/2 teaspoon dried thyme
• 1/2 teaspoon coarse ground pepper
• 2 cups cooked corned beef, shredded
• 2 tablespoons water
• parsley to garnish
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Melt butter in a large iron skillet over medium heat.
Add onions, potatoes, thyme, salt and pepper and cook for 5–6 minutes until potatoes start to brown.
Add corned beef along with 2 tablespoons of water and mix well.
Cover and steam the meat for 1–2 minutes.
Serve with eggs and garnish with parsley if desired. |
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Did You Know Certain Car Safety Features
Can Lower Your Premium? |
When shopping for a car, many people look at a variety of features on a vehicle, such as interior and exterior color, make and model, stereo, electronics and other options that will make their drive time more pleasant. However, few consider the effect the safety features can have on lowering their insurance premiums. The next time you go car shopping, look for some of these safety features that protect not only you and your passengers but your wallet as well.
Size and weight. Many potential buyers think bigger is better, but that's not necessarily so when it comes to cars. Very large vehicles, such as SUVs, often have the potential to roll over and can be less safe than midsize sedans. Make sure to review your vehicle's safety ratings.
Restraints. Far from the days when only seat belts were offered, today's vehicles now have more
extensive restraint systems. Some of the key elements to look for are locking head restraints, side airbags and lap and shoulder belts with crash tensioners.
Make sure you can reach the pedals without putting yourself too close to the steering wheel. Steering column airbags can cause serious injury if they're too close.
Daytime lights. More vehicles now feature daytime running lights that allow them to be more visible to all motorists no matter the weather, decreasing the chances of daytime accidents.
Backup cameras. Video systems that allow you to see what is happening behind your vehicle dramatically increase safety by eliminating blind spots. Backup cameras can help prevent collisions and save lives.
Other safety features like warning systems and anti-lock brakes can help reduce the likelihood of a crash and further reduce the likelihood of claims.
Next time you're in the market for a new vehicle, check with
us about potential discounts on premiums based on specific vehicle features.
Even tough the VIN# will typically add those rate discount automatically. We are just a call or email away. |
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| Share This Newsletter |
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If you find this newsletter helpful or interesting, share it with those you care about.
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| Spring Clean Your Digital Life with These 5 Steps |
Spring is universally acknowledged as a time of renewal, with many making the most of the revitalizing seasonal current to clean up and declutter. But did you know that this spring cleaning energy can extend to your digital workspace too? Get rid of your often-forgotten cyberclutter with these five helpful steps.
Step 1: Review your online and social media accounts. Start by deleting any accounts you no longer use and remove any old information, such as saved credit cards or old documents.
Step 2: To reduce risk from malware and viruses, update the apps and operating systems on all Internet-connected devices. Delete any unused apps and any linked account information as you go.
Step 3: Digging deep into your phone and computer is next up. Go through the dreaded downloads folder, your desktop and your hard drive and
get rid of any files you no longer need. What does remain should be organized into folders so it's easy to find.
Step 4: Get your logins locked down. Make sure you use passwords, passcodes and fingerprint or facial recognition software for all of your devices and enable authentication tools such as two-factor authentication, especially for your email and online banking. After you've done this, go through and update the passwords for online accounts and update your privacy settings to keep your cybersecurity in top shape.
Step 5: Back it up. Make a complete backup of important files. You could copy data to a secure cloud platform, another computer or an external hard drive. Just be sure you're able to restore your files from your chosen backup method, as a backup you can't use isn't very helpful indeed! |
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| This newsletter and any information contained herein are intended for general informational purposes only and should not be construed as legal, financial or medical advice. The publisher takes great efforts to ensure the accuracy of information contained in this newsletter. However, we will not be responsible at any time for any errors or omissions or any damages, howsoever caused, that result from its use. Seek competent professional advice and/or legal counsel with respect to any matter discussed or published in this newsletter. |
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