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~Alex Hastings~

Hastings Insurance Solutions LLC

~Guide One~


2435 Kimberly Road

Suite #100N

Bettendorf IA 52722

563-355-0262 Office

641-494-9494 Cell

855-355-0262 Fax


Amy 563-676-1504 <for Health Ins.!

ExpertInsuranceSolutions@gmail.com

www.HastingsInsuranceSolutions.com

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Are You Making Any of These Top 10 Insurance Blunders?



When it comes to buying insurance, what you don't know can hurt you...and your family...for years to come. Learn how to identify the top ten insurance mistakes and what you can do about them with my free guide, "The Top 10 Insurance Blunders - and How to Avoid Them."



Just reply to this email and I'll send it right out to you.


Quick Quiz



Each month I'll give you a new question.



Just reply to this email for the answer.



Which 1968 movie was based on the short story collection, The Sentinel, by Arthur C. Clarke?

Why Not Pass Me to a Friend?



If you've enjoyed this newsletter and found its information useful, please forward it to a neighbor, friend or co-worker by clicking this link.

Recipe: Simple Fish Burritos



Serves 4
  • 4 fillets tilapia or other firm white fish
  • 1 tablespoon vegetable oil
  • 1 onion, chopped
  • 1/2 teaspoon chili powder, optional
  • 1 cup sour cream
  • Salt to taste
  • 8 tortillas
  • 1 cup grated mild cheddar cheese

Directions

Preheat oven to 350 degrees. In a saucepan, cover fish with water and bring to a boil. Lower heat and simmer for 5 minutes, or until cooked through. Strain the fish and transfer to a bowl. Flake and set aside.



Heat oil in a frying pan and saute onion and chili powder for 5 minutes. Add to the fish with the sour cream. Gently mix and add salt to taste.



Place two tablespoons of the mixture along the center of a tortilla and roll. Place filled tortillas in a baking dish. Scatter grated cheese on top, cover with foil, and bake for 30 minutes.

Worth Quoting



This month, some famous quotes on the topic of the new year:



Year's end is neither an end nor a beginning, but a going on, with all the wisdom that experience can instill in us.



Hal Borland



I hope that in this year to come, you make mistakes...Make New Mistakes. Make glorious, amazing mistakes. Make mistakes nobody's ever made before.



Neil Gaiman



We spend January 1 walking through our lives, room by room, drawing up a list of work to be done, cracks to be patched. Maybe this year, to balance the list, we ought to walk through the rooms of our lives...not looking for flaws, but for potential.



Ellen Goodman



Many people look forward to the new year for a new start on old habits.



Author Unknown

 

  Flood Insurance Can Protect You Now But Perhaps Not Forever

Did you know that homeowners insurance doesn't cover ANY damages or losses attributed to floods, regardless of origin - hurricanes, torrential rains, or tornados. Many don't realize this until it's too late, and they're absorbing losses themselves.



Experts expect our extreme weather patterns of the past two years to continue. So what can homeowners do?



The NFIP



Flood insurance is available through the National Flood Insurance Program (NFIP), a government program that provides contents and structural coverage through participating insurance companies.



Premiums depend on location and coverage options, providing either structure coverage, contents coverage, or both. Those living in low-to-medium risk areas qualify for Preferred Risk Policies (PRPs). As of October 1, 2013, PRP premiums start at $129 for properties without basements or enclosures.



What's covered



Depending on your coverage, flood insurance will cover damage to personal belongings as well as structures. However, many types of damage aren't covered, including those resulting from mold or moisture that could have been prevented, or damage to items outside insured structures, such as swimming pools, trees, and septic tanks.



Flood insurance is required for residents mapped as living in high-risk areas. But because of the increased claims resulting from extreme weather (consider the damage from Hurricane Sandy) re-mapping is underway, and this may change.

            Check with your insurance professional ( Us :) for the most recent information.


Aha! Moments From Science Class

Pickle"Exciting" or "cool" isn't how most kids would describe their last math or science class. But when lessons are less about listening and more about doing, that changes.



That's what the New York Times discovered in a contest in 2013 when they asked for the best answers to the question: "What Memorable Experiences Have You Had in Learning Science or Math?"

      The contest was open to students between the ages of 13 and 19. They were asked to submit a memorable moment from any time in their STEM (science, technology, engineering and math) education, and what they learned from it. Responses were colorful, passionate, and pretty cool.

Here's a sampling of best entries:

Glowing pickles



Destiney's science teacher had a penchant for weird experiments. Destiney had a penchant for pickles, so she found this experiment memorable. Her teacher plugged pins into either side of the pickle and charged it with electricity until it began to glow. The best part? She got to eat the pickle afterwards.



Fun physics

Shaun recalled his high school physics teacher spilling coffee on the floor, throwing balls in the air and pretending to get shocked with electricity to make lessons come to life. "Sure, some moments in Physics didn't seem educational, but they could always be tied back to what we were learning," Shaun wrote. He learned "how to calculate how far an object will go when thrown...that time isn't the same in any one place (and) that the speed of light can never be reached."



Fields of green

"ColterLA235" said their third-grade teacher changed their perspective on numbers by asking them figure out how many blades of grass were in the area that the class was sitting in. Using area dimensions and estimates, they came up with a plausible answer.



The lesson - for all of us: Learning can (and should be) fun.


What's With the Great Disappearing App?

DinosaurChoose anything you want to do and look for the top 500 (or 400 or 250) applicable applications (apps). Then visit some of their websites or try to find them on iTunes.



Regardless of the industry, topic, or function you searched for, you'll likely discover that many of these apps are no longer downloadable. In fact, it seems as though some of them never even existed - as though they, their websites, and their social media accounts simply vanished into thin air.

     So what's with The Great Disappearing App? After all, apps are where it's at: Mobile app downloads are expected to hit 108 billion in 2017, and app revenue growth is projected at $46 billion in 2016.



Initially, the high turnover of apps seemed isolated to the most popular category: games. Now, that category is just an extreme example of disappearing apps. The website, SomeGeekinTN, found that 69 percent of the top 400 games in 2013 were new. The old ones? Going...or gone?

     Why? Perhaps in the rush to pump out new apps, creators produce poor ones. Rushing development, cutting corners, and not updating consistently means failure. And fail they do.



According to IdeatoAppster (ITA), it costs $30,000 to $150,000 to create a great app with staying power. That's not chump change for a failed app. And what about that perfect app that does just what we need it to do. Blink and it's gone; we can't even find out why. Probably just another Great Disappearing App.


The Top 20 Most Expensive Cars to Insure

So you've bought that much-desired luxury vehicle. Congratulations. Now comes the second sticker shock: the increase in premiums you have to pay to insure your ride.



When purchasing a car - whether it's new or resale - you should always consider your auto insurance premiums. Many factors determine rates: driving history; amount and type of usage; safety and crash tests ratings; theft statistics; where you live and work; and more.

    Even if your vehicle has all the safety bells and whistles, you've never had a ticket, and you live in an insurance-friendly (safe) area, there's no denying one of the most important rate factors of all: your car's make and model.



The vehicle's make and model play a very important role in the risk models insurers use to set your premiums. It's simple logic: The more expensive the vehicle, the more insurers have to pay in the event of losses. So your luxury car will need more coverage, and you'll pay more in premiums.

       If you're thinking of buying a car in the new year, when great deals abound, be sure to check this list first. So if you do opt for your dream car, at least you'll expect the premium sticker shock.



Here, courtesy of consumer insurance website Insure.com, is a list of the top 20 most expensive cars to insure in 2013 and their average premiums for no accident/ticket drivers:



Mercedes-Benz CL600: $3,357,

Mercedes Benz CL65 AMG: $3,330,

Mercedes Benz S65 AMG: $3,221,

Mercedes-Benz SL65 AMG: $3,207,

Mercedes-Benz CL63 AMG: $3,184,

Mercedes-Benz S600: $3,158,

Mercedes-Benz SL63 AMG: $3,075,

Mercedes-Benz S63 AMG: $2,978,

Mercedes-Benz CL550 4Matic: $2,897,

Mercedes-Benz SL5508: $2,671,

Mercedes-Benz S5508: $2,640.



Porsche 911 Turbo: $2,958,

Porsche 911 Turbo S: $2,925,

Porsche Panamera Turbo: $2,912,

Porsche 911 Carrera 4S6: $2,642,

Porsche 911 Carrera S6: $2,626.



Jaguar XKR (convertible): $2,822,

Jaguar XKR (coupe): $2,756,

Jaguar XK8: $2,684.



BMW 650i8: $2,681.


 Should You Donate Your Policy to Charity?

Most of us have life insurance policies to provide for our heirs when we die, but there may come a time when this is no longer a consideration...when, for example, your children are grown and providing for themselves. You could cancel your life insurance policy, or you might want to consider donating it to charity. There are two ways you can do this:



The charity becomes your beneficiary

One way to do this is to name your favorite charity as the beneficiary of your policy. The advantage: You retain access to any cash value remaining in the policy, and you can always change your mind about the beneficiary later. The downside: You don't get an income-tax deduction.



Transfer ownership

If you actually transfer ownership of a life insurance policy to a charity, you're eligible for a charitable deduction for the policy. This means you can deduct whichever is less: the policy's fair market value, or the basis. Your basis comprises the premiums paid until the date of the transfer less dividends and withdrawals you have received, as well as any loans taken against the policy that haven't been paid off.



If you elect to continue paying premiums to keep the policy in effect - something you'll have to work out with the charity itself - you'll get a deduction for those premiums as well. The deduction depends on how you pay your premiums (to the insurance company or to the charity), and it can vary from 30 percent to 50 percent of your adjusted gross income.



Additional factors

If arranged properly, this strategy will benefit you as well as your favorite charity. But it can get complex. For example, your other charitable donations may lower your deductions, as noted above. To ensure you maximize the benefits for you and the charity, it's a good idea to consult your advisor before signing over your policy. 

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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