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Make it a Great Autumn!


Avoid Potential Disasters with These Holiday Hacks

This holiday season you want festivities filled with fun, family, and fab food...not insurance claims. Unfortunately, with each holiday season comes the potential for disaster. As you celebrate this season, keep the following in mind. It may not help with in-law issues, but it will, at least, give you peace of mind.

Cooking: According to the National Fire Protection Association, cooking is the leading cause of residential fires in the U.S. From deep-fried turkeys to pie bake-a-thons to reheating contributions to potluck suppers, cooking for the holidays offers the potential for kitchen fires. To improve your odds, closely monitor long cook times and take precautions to avoid spillovers.

Decorations: Festive decorations can also be fire hazards. Don't leave candles unattended, especially with young kids around.

Plan to clean out your fireplace !

Water your Christmas tree often, don't use lights with frayed wires, and don't overload outlets.

Theft: The holidays are busy times for everyone, including thieves. Take steps to protect your property and your finances. Check your credit card statements and remain vigilant for cyber criminals. Protect more expensive purchases by placing them in a safe rather than under the tree. Also, check your homeowners insurance to make sure purchased gifts are covered; for high-value items, you may need to add a rider to your policy.

This Month's Smile: Making a Great Cat Video
Cat Portrait
Cat videos have the highest traffic ratings on the Internet. Maybe it's because watching cats de-stresses us. Or it could be because cats are stubborn. Whatever. But if you want to go viral, you need to remember that your cat is the star, producer, and director of the show. You're just the mildly entertaining human with a camera. To get your video, you're going to need to remember these three tips inspired by Peter Gerstenzang's How-to on catchannel.com:
  1. Improvise. Your story line will be what your cat wants, not the other way around.
  2. Forget linear time. See #1.
  3. Shoot now, edit later. See #1 again.
Maybe cat videos go viral because getting a cat to do anything long enough to get the camera and record it is totally newsworthy!
Fighting Speeders in Your City? Traffic Calming May Work

Certain areas have more car accidents than usual. Why? Speed limits are too high, corners are too tight, and intersections are less visible. Short of reconstructing the city, how can officials reduce accidents in these areas? Often they'll opt for traffic-calming devices.

Traffic calming aims to improve the safety of pedestrians, cyclists, and drivers by slowing down or reducing car traffic, with the intent of changing driver behavior. There are many different options for controlling speeding traffic within a city. Here are a few of the more widely used:

Speed bumps: These are installed humps measuring approximately 3 to 4 inches high (8 to 10 cm) and spanning almost the entire width of a traffic lane. They are effective at slowing drivers, but unfortunately they also slow emergency vehicles. Older pedestrians may find speed bumps a tripping hazard.

Road painting: Murals painted on the street at certain dangerous intersections may slow down drivers, while at the same time beautifying the neighborhood. A form of street art, this solution is inexpensive to install, although it may not weather the test of time. Several North American cities are adopting this approach.

Chicanes and roundabouts: Chicanes are features that create extra turns in the road over short distances. A shallow S turn, for example, will cause drivers to slow down to navigate the curves.

Roundabouts are circular intersections. Drivers travel around an island in the middle, yielding to other vehicles already in the intersection and slowing down in the process.

Save on Auto Insurance This Holiday Season
Wherever you live, winter brings the possibilities of storms. In the northern part of the country, whether we welcome him or not, Jack Frost will find his way to our doorsteps, along with ice storms and snow drifts.

In other areas, hurricanes, tornados, and all manner of other nasty weather will cause floods and wind damage. It's winter again. But it's also time for seasonal insurance savings.

Two methods of savings are often overlooked by car owners:

Seasonal rides

If you own a car that you don't intend to expose to the elements this winter, you can save money by reducing your coverage during winter months. Whether it's a collector car or a sporty coupe with no business on the road in a gale or snowstorm, if it's not leaving your garage all winter, you can benefit from these savings.

Of course, even in the garage your car remains at risk; you will want it protected against theft or a storm that collapses your garage. But you also don't want to pay for unnecessary insurance. The solution: remove your liability and collision coverage and maintain your comprehensive coverage. This should reduce your rates and still provide the protection you continue to need.

As A Tip: I recommend putting a note at the ignition.

"Before you turn the key you Contact your Agent."

Be sure the Coverage is added back before driving.

~Alex Hastings~
Hastings Insurance Solutions LLC
~Guide One~

872 Tanglefoot Ln
Bettendorf IA 52722

563-355-0262 Office
641-494-9494 Cell
855-355-0262 Fax
Is Your Home - and Your Family - Really Safe?
Home is truly where the heart is, but that doesn't stop accidents, fires or thefts from happening at home. Discover how to keep your property and your loved ones out of harm's way by requesting my free guide, "Three Ways to Keep Your Home - And Your Family - Safe."
Just reply to this email and I'll send it right out to you.
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Quick Quiz
Each month I'll give you a new question.

Just reply to this email for the answer.

Who was dubbed, "Mr. Hockey?"
Recipe: Green Beans with Red Onions and Toasted Almonds
A great Thanksgiving side dish
Serves 6
1 tablespoon butter
2 tablespoons olive oil
1 pound green beans, ends trimmed
2 medium red onions, sliced
2 garlic cloves, sliced
1/2 pound cherry tomatoes, halved
1 tablespoon chopped fresh thyme
2 tablespoons red wine vinegar
Salt and pepper
1/4 cup sliced almonds, lightly toasted
1 cup bacon crumbles, optional
Heat butter and olive oil in a large skillet. Add green beans in a single layer. Season with salt and pepper. Cook, stirring occasionally, until bright green. Remove and set aside.

Add onions and garlic to the same pan and cook until fragrant. Add tomatoes, thyme and vinegar. Season with salt and pepper. Simmer for 6 to 8 minutes or until liquid is reduced. Return green beans to skillet. Stir to combine.

Transfer to serving dish and top with almonds and bacon (if using bacon, adjust salt).
Worth Quoting
This month, some famous quotes on the topic of creativity:

An essential aspect of creativity is not being afraid to fail.

Edwin Land

Creativity is putting your imagination to work, and it's produced the most extraordinary results in human culture.

Ken Robinson

Creativity takes courage.

Henri Matisse

Creativity is a habit, and the best creativity is the result of good work habits.

Twyla Tharp

Creativity involves breaking out of established patterns in order to look at things in a different way.

Edward de Bono

Making the simple complicated is commonplace; making the complicated simple, awesomely simple, that's creativity.

Charles Mingus
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. This newsletter is not intended to solicit properties currently for sale.
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Posted 1:26 PM

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NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
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