News You Can Use – April 2020

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News You Can Use – April 2020

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Happy Easter!

May this Easter bring you all together for a great celebration filled with lots of joy, hope, and love!


Bee Friendly

It’s incredibly sad, but true: Bee populations have been on a steady decline over the past decade.

During the 2018 to 2019 season alone, an estimated 37.7% of managed honey bee colonies in the United States were lost, reports The Bee Informed Partnership. This has a major environmental and human impact—much of our produce and nuts rely on bees and other pollinators, making these populations critical to ensuring our food supply. It’s integral, then, to try to reverse this decline as much as possible—which is why it’s important to create bee-friendly gardens, minimize our use of pesticides, and educate ourselves about what we can do to help our local bee populations thrive—especially during the colder months when they’re most at risk. This problem must be addressed by taking action in the spring.

Plant native flowers and plants that bloom in early spring.

While native bees, like honeybees, are not active year-round, some begin to emerge from their nests in early spring, as the first wildflowers bloom. Some of the earliest emerging spring bees include bumblebees, spring long-horned bees, miner bees, and mason bees. Some are active in spring, while others wait until summer or even fall. The best way to keep their communities thriving, however, begins during that initial wave in early spring. Plant flowers and plants that are native to the region. These bees have evolved along with them over millions of years—which makes indigenous varietals their favorite source of nectar and pollen.


The Easter Bunny will love

these Carrot Muffins and so will you!

Carrot Cake Muffins

Preheat oven to 350°F.

In a large bowl combine and beat together:
2 medium eggs
1/2 c. melted butter
1/2 c. honey
1 tsp. vanilla

Add and mix in:
1 1/2 c. flour
1 1/2 tsp. cinnamon
1 tsp. baking powder
1/2 tsp. baking soda
1/2 tsp. salt
1 teaspoon orange flavoring
2 c. grated carrots

Bake in preheated oven for 20 minutes or until golden.

Top cooled cupcakes with your favorite cream cheese frosting.


Do You Need a Personal Umbrella Policy?

Let’s walk through a possible situation where you would need umbrella insurance coverage. You have a wreck with another vehicle and the driver in this case is a 35-year old father and the passengers are his two children.

The limits of your policy are higher than those required by law, set at $250,000 maximum per person and $500,000 per accident. Thankfully, the two children only suffered minor injuries, but the father is critically injured and has to stay in the hospital for over a month, with months of rehabilitation to get better. He definitely will not be able to work during that time.

Your auto liability insurance covers the $250,000 maximum for him and you are responsible for anything over that. His wife sues you for $500,000 because his hospital bills and rehab and physical therapy alone are going to cost $400,000.

The other $100,000 is for their loss of wages since neither of them can work. He is physically unable and she must take care of him. When they win the case, since you were at fault in the accident, you will have to find some way to pay them and pay for their lawyer, your lawyer and court costs as well. You may think that the man’s health insurance will cover his medical expenses. His health insurance company will come after you with a lawsuit because you caused the accident.

It may seem unlikely that this could ever happen to you, but cases like this can and do happen all the time. Umbrella insurance is a necessity for people with homes and property to protect. You don’t want to hand over things you’ve worked so hard to get. If you have an umbrella policy, you won’t have to do that.

To find out more about why you need a personal umbrella policy, call the office (585)589-6236.


Hot Spots for Germs

I know we have many reasons to be on high alert when it comes to pathogens. Most of us wash our hands and stay away from sick people as much as possible, but we should be aware of some dangerous sources that we are contacting daily.

Dish Sponges
The National Sanitation Foundation discovered that more than 75% of dish sponges harbored dangerous bacteria, such as salmonella, E. Cole, and fecal matter! That’s compared to 9% reportedly found on toilet seat handles. Make sure to sanitize your sponge.

Laundry
The washing machine can be a haven for microbes. Place wet clothes in the dryer as quickly as possible.

Makeup Bags
All those bristles and sponges in your makeup bag create the perfect environment for bacteria to thrive. There is transfer between bacteria on your skin, your applicators and the cosmetics. Your products should be stored in a clean dry place and brushes should be cleaned with soap and water weekly.

Toothbrush
Your toothbrush is a hotbed for germs so store upright to promote drainage and replace or sterilize the bristles frequently.

Electronics
Considering how often you use your cell phone, tablets, and keyboards, it’s not surprising to find them covered with pathogens. Disinfecting wipes can eliminate most of them.


Are You Ready?

Whether you’re the one that mows the lawn in your household or someone else does it, be sure that you’re protecting whoever that someone is.

Take these recommendations seriously!

  • Know how to use the mower and understand the controls.
  • Clear the path in front of the mower from debris before mowing.
  • Locate and avoid electrical wires that may be in your lawn.
  • Do not start the mower near combustible material, or areas with poor ventilation or smoke.
  • Use a mower with a control that keeps it from moving forward if the handle is released.
  • Make sure the mower has had time to cool before you refuel it.
  • Keep your hands and feet away from the blades.
  • Never use your hands to unclog mower – we suggest a sturdy stick.
  • Allow only one person on a riding mower at a time.
  • Consider buying safety glasses to reduce the chance of flying objects from getting in your eyes.
  • Wear heavy shoes to help protect your feet.

Do not allow children under the age of 12 to operate a push lawn mower, and age 16 for a riding lawnmower.

According to the American Academy of Pediatrics, there were more than 253,000 lawnmower related injuries in 2010, and that rate is rising. Keep yourself and the people around you from being a part of that statistic and pledge to be safe when it comes to mowing your lawn!


Need more time to prepare your federal tax return?

This site provides information on how to apply for an extension of time to file. https://www.irs.gov/forms-pubs/extension-of- time-to-file-your-tax-return

Please be aware that:

  • An extension of time to file your return does not grant you any extension of time to pay your taxes.
  • You should estimate and pay any owed taxes by your regular deadline to help avoid possible penalties.
  • You must file your extension request no later than the regular due date of your return.

Just Keep Talking Referral Program

Chance #1
Tell a friend, a colleague, a relative, an acquaintance — whoever — about us.
When they contact us we’ll send you a $20.00 Gift Card!

Chance #2
Every month, we’ll randomly draw from the month’s Chance #1 qualifiers.
The winner will receive a $50.00 Gift Card!

Grand Prize
In December, we’ll conduct a random drawing from all the current year’s entries and the winner will receive a new iPad!

3 Chances, 3 Prizes for YOU to WIN!
The Southcott Agency Inc. “Just Keep Talking!” Program Rules: Available upon request


Crop Insurance Update Concerning

Actual Production History (APH) Reviews

Why have you been selected for an APH Review?

APH Reviews are used as a safety check to ensure that your reported production is correct.
The review is required on all crop insurance claims when the indemnity paid on a single crop goes over $200,000. Crop Insurance Companies also reserve the right to schedule an APH Review for quality assurance at their discretion.


13630 Ridge Road
Albion, NY 14411
Phone 585 589-6236
Hours 8:00am – 4:00pm
www.thesouthcottagency.com
information@thesouthcottagency.com

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