Is Shopping Online for Insurance Really a Bargain?
Buying auto or homeowners insurance on the internet seems easy and cheap. But is it?
Discover how relying on the web to protect your most valuable assets could cost you more - and put you and your loved ones at risk - by requesting my free guide, "The Dangers of Shopping Online for Insurance."
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Each month I'll give you a new question.
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Why was trick-or-treating stopped during World War II?
Recipe: Quick Broiled Flank Steak
• 2 pound flank steak
• 1/3 cup Worcestershire sauce
• 2 cloves garlic, minced
• 4 tablespoons olive oil
• Freshly ground pepper
Score the surface of the flank steak with a sharp knife, then place in a freezer bag with the Worcestershire sauce, garlic, and olive oil.
Marinate for at least 30 minutes or up to 8 hours.
Preheat the broiler for 5 minutes. Lightly grease the broiler pan. Remove steak from marinade and sprinkle with salt and pepper to taste. Place on pan and broil 4 to 5 minutes on each side.
Remove from pan and allow steak to rest on a cutting board for at least 10 minutes before slicing. Cut into strips, ensuring you’re slicing against the grain.
This month, some famous quotes on the topic of Halloween:
"Halloween is one of my favorite days of the year. I have a strict rule: I don't work on Halloween, and I won't travel on Halloween. Not for any reason."
"The farther we've gotten from the magic and mystery of our past, the more we've come to need Halloween."
"By the pricking of my thumbs, something wicked this way comes."
"Dear Great Pumpkin: Everyone tells me you are a fake, but I believe in you."
Linus/Charles M. Schulz
"When witches go riding and black cats are seen, the moon laughs and whispers, 'tis near Halloween."
"I'm so happy that Halloween falls on a Wednesday this year!" said no teacher ever.
Chance for Discounts!
Don't Miss Out on These Two Auto Insurance Discounts
Everyone is on the lookout for auto insurance discounts, but strangely, many are missing out on two discount types that could net them serious savings. Why? They don't know they exist.
Members of clubs or credit unions may get offers of exclusive insurance discounts by virtue of their memberships. For example, AARP has affiliations with many large insurers, and automobile clubs regularly offer discounts to members through a number of insurers. These programs are called affinity discounts, and more than 50 percent of large insurers offer them. Savings usually average between 3 percent and 7 percent, but some can save you up to 20 percent on premiums.
If you're not a credit union or auto club member, you could get a discount through other affiliations. For example, discounts may be available to union members, employees of certain companies, members of professional organizations, and alumni association members.
If you hold a degree in a certain field, it could mean a discount, and individuals in certain occupations may also qualify. The most common occupations include first responders, teachers, nurses and other healthcare professionals, and accountants.
Discounts vary according to insurers. Often these discounts can be less than stellar, but at the same time, if you do qualify, it could add up to savings. Discuss affinity discounts with your agent; he or she will be able to help you decide if one can be applied to your existing policy, or if the policy you have already includes discounts of other types.
Eat and Enjoy: The Five-Second Rule Rules
You're at the cafeteria about to take the last bite of your homemade chocolate chip muffin, but you drop it on the floor. Relax and enjoy: research out of UK-based Aston University supports the five-second rule, suggesting it may be okay for us to consume food that's been dropped on the floor, providing it goes from floor to mouth in five seconds or less.
Researchers tested a variety of foods and investigated the levels of bacteria contracted after 3 to 30 seconds on different types of flooring. The findings? Certain floors and certain types of food transfer bacteria more readily: Carpeting is least likely to pass on bacteria, and tiled surfaces, most likely. Not surprisingly, moist foods picked up more bacteria when they came in contact with the floor than their dry counterparts.
If you picked up and ate that last piece of muffin, you're not alone. The study found that 87 percent of people polled happily ate food they'd dropped on the floor.
So, while science hasn't necessarily proven the five-second rule is totally safe (the study still has to be peer-reviewed), it's sounding good. But there is one exception: if your piece of muffin is covered in grime, skip that last mouthful and bake another batch.
This Month's Smile: Signs
Signs can be a great source of humor, intended or unintended. Take these real signs posted by food-related businesses:
One grocery store's frozen food section is marked by this unusual sign: A hand-drawn picture of a grumpy cat and written underneath are the words: FROZEN...like my heart.
You have to feel for the Japanese restaurant with violent customers. Their sign warns: No matter how angry you are, no flicking (sic) over tables.
One Italian restaurant sold out to an esthetics clinic, which didn't bother with a new sign. The clinic just added to the restaurant's sign its own specialty, Laser Fat Removal. Too bad they didn't partner up.
Another had a sign outside with a mention of the day's special: Soup of the Day: The Tears of Our Enemies. Yum!
Vacant Land Needs Liability Insurance, Too
If you own vacant land, you may assume it doesn't need insurance, but unfortunately, that's not true.
Vacant land can be a breeding ground for liability lawsuits. You're responsible for what happens on your property, meaning any accidents to others could cause you big headaches. Although you're not legally required to carry vacant land insurance, doing so will protect your other assets. If someone is hurt on your property, you could be sued. Vacant land insurance will help pay for injured parties' medical expenses, legal expenses, and certain types of property damage.
Why do I need vacant land insurance?
If you suspect trespassers may be using your land, you probably need it; if you permit people to use your land, and they pay you for the privilege, you're liable for anything that may happen to them. Even if they don't pay, you're liable, but not to the same extent.
What can happen?
Hunters and fishermen pose heightened risks of injuries or fatal wounds. Even when it's something that could be considered their fault, such as falling into a creek.
ATV accidents: There were 1,701 ATV rider deaths during a five-year study, conducted by The Insurance Institute for Highway Safety in 2013. One could have been on your land.
Hikers unfamiliar with the terrain can be injured, with resulting liability claims.
Protect your assets
Insuring land isn't difficult, and it's reasonably priced, especially if it's an extension of homeowners or farmers liability policies. However, you may also need umbrella insurance, which will add liability coverage from $1 million to $5 million. If a lawsuit maxes out a homeowners or farmers policy liability limits, this coverage kicks in.
To decide if you need vacant land insurance, consider your land's current use and assess possible risks. Also, know your state's landowner laws. Your agent will help you determine if and what coverage you may need.
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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