Archive for the ‘Tailgate’ Category
Today I want to discuss the importance of insurance for your special event, celebration, wedding and lifestyle. Our expert is Rob Zimny, IU grad, Alpha Tau Omega Fraternity, Shelbyville native from Pfenninger, Claxton and Estelle Insurance Agency in Shelbyville. Rob may be reached at 317.398.9797. You may get free quotes and insurance policies with him with or without having any insurance coverage at his agency. We will chat and try to address some of your concerns for insurance. Note we are not selling nor advising, just bringing some information to the table. Let’s start with Renters Insurance. A lot of you rent an apartment or home. Renter’s insurance is inexpensive and a lot of times you are able to get renters insurance with the same company you have your auto insurance with. It’s usually about $10 more a month and you are getting $25,000-$30,000 on your personal property (furniture, clothes, computer) Jewelry needs to be scheduled on your homeowners or renters and insured for an agreed value. It confirms you are getting pretty much what you exactly have. Let’s make an example, if you have a flawless one carat diamond that you purchased for $7000 and you have it specifically scheduled for agreed value, if that ring was lost or stolen you would get the same agreed quality for similar value. If you did not, you may get a one carat diamond coming from WalMart or possibly a check for $2,000 instead of $7,000. It could possibly not be the same like, kind and/or quality. Gentlemen, make sure to get the engagement ring insured as soon as you purchase it. Weddings, Farm or Outdoor events: Who/What to insure??? The person that owns the property would need to carry the homeowner/farm insurance. The hosts are approving the event and the property is in their name. They need to look into a one day or weekend policy. Ideally, everyone would have insurance, farm owners, parents and the hosts. If the hosts or family live out of state, they would need to investigate with their insurance provider. Laws may be different and it would be best to research this. Two people that live separately ( both have renters or homeowners insurance) generally would be covered. The insurance company would determine how to split the coverage if there was a problem and it would be the decision of the insurance company. It is a tricky situation and would take time to determine the resolution. A suggestion would be a rider for the day and they would also have an umbrella policy usually to $150-$200 per year for $1000000 up to $5,000,000 and a one day special event on top of this The umbrella policy covers a year i.e. if you have $500,000 on your personal liability and you had an accident you would have an umbrella. A young couple that have one car and they are renting are not the ideal couple for the insurance. The ideal client that would be liable would be someone that has property, value etc to lose several cars, their main home, lake home, boats etc. Once the amount of liability you have is used up, the rest comes out of your pocket i.e. your house, personal property, car or more. Lots of times, prominent individuals especially, want to make sure they are covered in case they are sued or if there was any type of injury. Ask the question…. If you are going to be sued what do you have to lose? Serving alcohol and the number of guests helps determine the insurance coverage fee. Gifts: Gifts are in a car and the car is broken into. It’s covered if you have auto insurance. If you are at your venue and gifts were stolen it may be hard to recover. More than likely turning the claim in would be more than the deductible. Travel Insurance: This is something you should check into prior to making any reservations. You need to make sure you know exactly what it covers and if this is what you desire. If you have additional questions, please feel free to contact Rob.
Pumpkin Spice Latte
It’s that time of year again; cozy socks, warm sweaters, and hot drinks! One of the office favorites this year is the Pumpkin Spice Latte! It is very simple to make and very delicious! It even tastes exactly like the Starbucks version! Make sure you follow the recipe exactly for the best results!
We found this recipe from A Farmgirl’s DabblesThis recipe makes about 7 to 8 homemade lattes, so you may want to scale it down a bit of you’re just trying it out!
Pumpkin Spice Mixture:
- 1 15-oz. can pumpkin puree
- 2 c. whole milk
- ½ c. sweetened condensed milk
- 1/3 c. brown sugar
- 2 T. pure vanilla extract
- 1 T. cinnamon
- 1 tsp. nutmeg
- 1 tsp. ground dried ginger
- ½ tsp. ground cloves
- ¼ tsp. allspice
Assemble the Pumpkin Spice Latte:
- strong coffee
- slightly sweetened whipped cream
- dark chocolate shavings
Pumpkin Spice Mixture:
In a blender, combine all the pumpkin spice mixture ingredients. Puree for about 30 seconds. For a smoother mixture, puree for a couple more minutes, or until the mixture is to your desired consistency.
Assemble the Pumpkin Spice Latte:
Pour 1/2 cup (more or less, depending on your preference) of the pumpkin spice mixture into a large mug. Microwave for about 20 seconds, then add 1 cup of hot strong brewed coffee and stir. Top with a nice lofty pile of sweetened whipped cream. Sprinkle lightly with a bit of cinnamon.
Pour the remaining pumpkin spice mixture into a jar, top with a lid and store in the refrigerator. When ready to make another drink, shake the jar well and repeat the assembly of the pumpkin spice latte. The pumpkin spice mixture will keep pretty well for 1 week in the refrigerator.
Thank you, A Farm Girl’s Dabbles!