Posts Tagged ‘cocktails’
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.
Ok, here’s something fun I am going to try tomorrow. Try it and let me know if you kept from “mixing it up”. Kids will love this. Wait till you see what happens….red, white and blue all in one glass! Amazing!
from Family Fun Magazine
With a steady hand and some colorful drinks, you can create a tasty, multilayered concoction. The secret is in selecting liquids with varying amounts of sugar, since those that contain more (such as soda) are denser than those with less (such as diet drinks). And that makes it possible to actually stack one on top of another (for a little while, anyway — then they’ll start to blend).
Here’s how to serve up a thirst quencher with two, three, or even more layers. Our recipe is for a red, white, and blue version for your Fourth of July celebrations. See how your favorite beverages literally stack up!
More: 4th of July Party Food RECIPE INGREDIENTS:
Wild Berry flavor Gatorade Fierce
1. Fill a clear glass with ice cubes. Pour the drink with the most sugar (check the nutrition label) into the glass. For our red, white, and blue recipe, start with the cranberry juice.
2. Very slowly add a beverage that contains less sugar — in this case, Wild Berry flavor Gatorade Fierce. Be careful to pour it onto an ice cube — not directly into the other drink — to keep them from mixing.
3. Use the same technique to add a layer of Diet 7-Up.