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Moving? Here's What to Do about Your Car Insurance

Moving around the corner or to a street closer to a better school district is stressful enough. There are the boxes to sort, addresses to change and new bedrooms to assign.

But when you move out of state, do you have to change your car insurance? The short answer is Yes!

If you have any doubts about what your car insurance coverage entails, the best thing to do is call us and ask any questions you may have. But we can also help you figure out where to start.

Not only can different states have some slightly different laws when it comes to the road, but some also require an increased level of coverage.

Your new state might have lower coverage limit requirements, but that also means you're increasing your risk. Think carefully if you decide to do this.

If you're moving to what's called a no-fault state, you'll Pay a lot more than you might guess.

No-fault insurance means that all medical bills, funeral bills and income losses due to a car accident are covered no matter which side caused it.

There are 18 states that require no-fault insurance, including New York, Oregon and Washington.

You'll also need to register your vehicle in a new state eventually. Some states require you have Insurance in place in that state to register the vehicle.

Even though We only work Iowa and Illinois, if you're having trouble figuring out what you need, call us. We're the experts, and we can help you find the best policy for you.

Are You in Danger from Identity Theft?

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."

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Restoring the Oceans Is Possible and Here's How

The worrying collapse of the earth's ecosystems due to human activity, disease or climate change is something that is becoming ever more widely documented in recent years. Thankfully, a team of marine biologists and concerned volunteers have shown that hope can be found where there may have been none with an inspiring 20-year project to physically rebuild a barren ocean ecosystem, resulting in a lush revival of a previously depleted marine environment.

Environmental sciences professor Karen McGlathery and others oversaw the world's largest seagrass restoration project in Virginia's coastal waters, turning previously cloudy, sediment-filled bays into underwater forests teeming with life. Over two decades, the team scattered eelgrass seeds from a moving boat across the bays of Spider Crab, Cobb, Hog Island and South, eventually sowing an incredible 75 million seeds.

Nine thousand acres of green seagrass now blanket the bays, and the tangible benefits for the entire ecosystem are there to see. The seas are now awash with crustaceans, fish, scallops and more calling the seagrass home as well as clearer, purer water caused by the sediment and microplastic waste being locked in place by the underwater greenery.

The project's success doesn't stop there, with the mammoth task being hailed as a game changer in the way conservation efforts are considered for the future. Restoration efforts elsewhere are taking inspiration from Virginia, such as the UK's largest seagrass regeneration project, which is using the Virginia team's blueprint for their own conservation efforts in the bays of Pembrokeshire, Wales.

Vegetable Tian
Serves 6
Ingredients

1/2 medium onion, finely chopped
4 cloves garlic, minced
1 6-oz. can of tomato paste
4 tablespoons olive oil
1/2 teaspoon dried thyme
3/4 cup water
1 medium baking potato, very thinly sliced
3 Roma tomatoes, very thinly sliced
1 zucchini, very thinly sliced
1 yellow summer squash, very thinly sliced
Salt and pepper to taste
Optional: 1/4 cup shredded cheese

Preheat oven to 375ºF. Spray 12-inch round baking dish with cooking spray.

In a small bowl, combine onion, garlic, tomato paste, 1 tablespoon olive oil, 1/4 tablespoon thyme and water. Spread into bottom of dish. Arrange alternating vertical slices of potato, tomato, zucchini and squash, starting at outer edge of the dish, working concentrically towards center. Drizzle with remaining olive oil, sprinkle with rest of thyme. Season with salt and pepper to taste. Cover with foil.

Bake until tender about 45 minutes. Optional: after 30 minutes, sprinkle with cheese and bake uncovered for last 15 minutes.

What to Know About Home Owners Insurance

So you've bought a home, moved in, decorated and gotten homeowners insurance. Great! What's next? Well, do you know the limit on your homeowners policy?

The limit, in simple terms, is how much you can expect your insurers to pay out if you make a claim.

Don't be scared. Most homeowner policies are written with replacement cost terms. This means the insurance carrier will pay the full replacement cost for damages, even if the item being replaced has depreciated.

This works very well for the contents inside your home. If an old appliance that cost $4,000 when it was new breaks, the policy will pay out $4,000 to replace it, even though it is worth significantly less a few years later. However, this is slightly different when it comes to a whole home.

If your house is subject to large-scale damage such as a fire or a natural disaster, the cost of rebuilding might be more than the limit on your replacement cost. If these numbers don't see eye to eye, you might not be able to make some of the repairs you need to.

There is an answer, though: extended replacement cost policies. This means your insurance will pay a percentage more of the amount needed to repair your home if needed. It's a very useful safety net to have in place.

Costs could dramatically rise due to unforeseen circumstances or economic variables. These policies are commonly written at 125 percent of the stated limit of the dwelling coverage.
Luckily for Our clients over 99% of you have this extended replacement cost coverage.

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Restore and Rejuvenate with These Self-Care Habits

The holiday season is upon us, and with it can often come an overwhelming amount of stress and anxiety. The large family gatherings, the travel, the weeks of preparation and the sometimes endless list of gifts, cards and foodstuffs we have to remember to pick up can all become a bit much if we don't practice self-care in between. Here are five self-care rituals that will prove priceless if you find the festivities starting to get on top of you.

Set some boundaries. With so many tasks and people vying for your attention, it's okay to say no to some things to protect your mental wellbeing. You don't have to be available to everyone at all times.

Schedule regular time-outs. Allowing yourself a short period a couple of times a day in which you temporarily let go of your troubles and electronic devices can work wonders for a healthy mind. Switch off your phone and take a walk in the park, meditate or read a book.

Have a nice hot bath. Few things are as physically and mentally relaxing as a nice bubble bath. Warm water on the skin has a physically calming effect on both the mind and body, while adding in some salts,  essential oils and nourishing soaps leaves you feeling totally rejuvenated.

Keep a gratitude journal. Regularly making a note of things you feel grateful for in life helps you develop an all-around positive mental attitude, keeping the joyous things at the front of your mind rather than the anxieties that try to seep in.

Stretch regularly. A surprising amount of our mental woes can begin as physical ones, whether it's an achy back making you grumpy or a stiff neck grinding your gears. Practicing yoga, Pilates or even just simple stretches on the regular can help eliminate those troubles, making you feel happy, energized and able to do more with your body as well as your mind.

Get comfortable with Sound Money: Bitcoin. Learn it and grow your understanding of Money and it will help lower the leading stressor to humans throughout history.
Times they are a changing.  Reach out if we can help you find sources to better understand and prepare for the future/current monetary system.

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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