Hastings Insurance Solutions LLC
872 Tanglefoot Ln
Bettendorf IA 50401
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."
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Each month I'll give you a new question.
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When and where did the Modern Olympic Games start?
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Recipe: Picanha (Brazilian Tri-tip Barbecue)
Serves 4 to 6
- 1 tri-tip roast, about 3-4 pounds
- 5 cloves garlic, crushed
- 1/2 cup coarse or rock salt
- 1/4 cup olive oil
If you can't find tri-tip, look for top sirloin cap. Trim excess fat off the meat. One side will generally be covered in a layer of fat; do not remove it, just trim it down to about 1/8". Mix the salt and garlic together to make a paste and rub it all over the meat, adding a little olive oil if needed to help it stick. Leave the meat to marinate for at least two hours, turning it occasionally.
Heat the barbecue to the highest setting. When ready to cook, scrape excess salt off the meat and place on hot grill, fat side up. Do not turn over until the first side is nearly burnt. Turn once and check doneness with a meat thermometer; medium should take about 35 to 45 minutes, depending on the meat's thickness.
Remove from grill and rest five minutes before carving.
This month, some famous quotes on the topic of children:
Children must be taught how to think, not what to think
Grown-ups never understand anything by themselves, and it is tiresome for children to be always and forever explaining things to them.
Antoine de Saint-Exupery
The soul is healed by being with children.
Children see magic because they look for it.
We may not be able to prepare the future for our children, but we can at least prepare our children for the future.
Franklin D. Roosevelt
Want to Raise Your Deductible? Get a Piggy Bank
In the old days, homeowner policies had flat-rate deductibles - $1, 000, for example - regardless of home value. In the 1990s, that began to change, and the norm became deductibles based on a percentage of the home's value. How does this work, and does it play into raising homeowners insurance deductibles?
Assume your home's value is $300,000. A 1 percent deductible equals $3,000, a 5 percent deductible, $15,000, and so on. As property values rise, some homeowners choose to raise the percentage and lower their premium.
However, this may be risky. If you do raise your deductible, you need to ensure you always have assets on hand (in a piggy bank or dedicated account) in case something happens.
Paying the deductible: Be aware that it's your responsibility to cover the deductible amount. So if a freak wind storm only slightly damages your property and you aren't able to pay the deductible out of your pocket, you may find yourself having to raid your piggy bank to pay the deductible or cover the damage yourself. Self Insuraning those smaller damages helps keep your Premiums low Long term by avoiding submitting a claim.
Situational deductibles often apply in areas prone to earthquakes or huricanes. Although percentage deductibles are mostly the norm, some policies still have flat-ate deductibles. Whichever is part of your policy, raising deductibles is still a great way to lower premiums.
This Month's Smile: 'Your Child Said What...?'
Kids are a delightful reminder that the world is actually a big brightly colored circus. Here are some great online examples of the fun things they say:
They're usually full of questions, but then there's the one who just thinks and thinks...then asks. Like the 4-year-old who overheard her teacher mention kickboxing. Weeks later, out of the blue, she asked why her teacher "kicks boxes."
The little girl was diligently pounding away on her grandfather's computer, lost in story writing. When he asked what it was about, she answered: "I don't know. I can't read."
Some kids may have a better grasp on reality than the rest of us. For example, young Frankie answered the question of how he earns money at home by saying: "I don't. I'm a freeloader."
Five Tips to Help You Create Your Own Outdoor Kitchen
Dining al fresco is one of summer's greatest pleasures. But it can be hard to pull off a great outdoor dining experience without the proper setup. Enter the outdoor kitchen. Interested in creating your own? Check out these tips:
- Constructing your own island or grill area with stone can get expensive, plus it can't be easily moved. Keep costs low and set up easy with a pre-fabricated counter or grill space. Pre-fab options are often on wheels, making them easy to move, and can be purchased with built-in sinks and lighting.
- Keep durability in mind. Your outdoor kitchen furniture and appliances will be exposed to the elements; choose resistant, reliable materials and treat them as recommended. Remember that the space will be exposed to cooking oils and high temperatures, so any materials used in the area will need to be heat resistant and easy to clean.
- Setup is important - don't site your outdoor cooking space too far from where you plan to put the dining area. Also, consider the proximity of the outdoor kitchen to the indoor one; you'll need to move things from one space to the other, so make sure there's a clear path.
- Plan to cook and dine, rain or shine? Make sure you incorporate a rain shelter.
- Grow as you go. Plants, flowers, and decor can be added on an ongoing basis. Make sure the essentials are in place before emptying your wallet on extras.
The Basics of Insuring Your Collector Car
When you begin shopping for collector car insurance, ensure you familiarize yourself with the different coverage types available and the eligibility guidelines. Below is information on the coverage available for your collector car and eligibility guidelines. Ask your insurance professional for details and advice on the best type for you and your car.
Actual cash value: Similar to standard auto insurance, unless you can prove it is an "exception" to depreciation, you'll receive whatever it would cost to replace the car, less depreciation. If the car is totaled, the most you can hope for is what you paid for it. With actual cash value, you can choose your comprehensive and collision deductibles.
Stated value: The insurer will pay the insurance value you've put on it. You'll need to prove via appraisals that the car is worth your stated amount. This may sound easy and as though it's the best option, but most insurers won't agree to full-stated value coverage, and it generally carries a $1,000 deductible.
Agreed value: This is the most common coverage type for collector cars, and refers to values you and your insurer agree upon. There usually isn't a deductible.
Eligibility: Rating factors used to assess eligibility are those used in standard policies, but some factors are weighted more heavily when applied to antique car insurance. Some policies have monthly mileage limitations, normally about 250 miles. If you drive the vehicle only a couple times a year, or to parades or shows, ask for a lower mileage limit. It may mean a cheaper premium.
For affordable premiums and to maintain eligibility, you need to
- maintain a good driving record
- show a 10-year driving history
- not include on your policy teenage drivers or drivers with poor records
- ensure the vehicle is in a safe place - preferably in a locked area - and parked off-street
- prove another car is used for daily transportation.