News You Can Use – May 2020

News You Can Use – May 2020

95 views

0

A S’more for Everyone

 

 

Here are 4 interesting facts about S’mores:

The Merriam-Webster dictionary suggests the first known use of the word “s’more” was in 1974.

Despite the dictionary’s claims, the first known recipe was published in a Girl Scout handbook in 1927.

The world’s largest s’more weighed 267 pounds and was comprised of 140 pounds of marshmallows, 90 pounds of chocolate and 90 pounds of graham crackers.

Americans buy 90 million pounds of marshmallows yearly. During the summer, it is estimated that 50% of marshmallows sold are used for s’mores.

 

Here are some of our favorite variations: 

  • Candied Bacon S’mores (Barbara’s favorite)  Heat oven to 375 degrees F. Sprinkle brown sugar on both sides of bacon strips.  Place on foil lined baking sheet and bake until crisp. Transfer to paper towel lined plate to drain.  Add bacon pieces to your s’more and enjoy!
  • Samoa Cookie S’mores (Sarah’s favorite)  Place caramel sauce and toasted coconut on bottom graham cracker, then hot marshmallow, top with a graham cracker.
  • Chocolate Chip Cookie Nutella S’mores (Heather’s favorite)  Place roasted marshmallow between 2 chocolate chip cookies lined with Nutella.
  • Reese’s Peanut Butter Cup S’mores (Mike’s favorite)  Place roasted marshmallow between 2 graham crackers lined with a peanut butter cup.   

 

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

 


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 DEADLINES

CROP Plant Date
Sign Acreage Report
Onions May 10 May 15
Oats May 10 July 15
Corn / Soybeans June 10 July 15
Potatoes June 10 July 15
Cabbage July 20 August 15
Processing Beans July 25 August 15
Fresh Market Sweet Corn June 30 July 15
Fresh Market Beans July 25 August 15

 

As always, call the office if you have questions  at
(585) 589-6236

 


Home Pool Safety

 

It’s that time of the year – school is out, temperatures are warming up and pools are open for the summer. If you own a pool, you’re probably aware of the maintenance and care that’s involved. But have you considered taking that extra step to make sure it’s safe for your kids?

According to the American Red Cross, more than 200 young children drown in backyard swimming pools each year. That’s pretty scary to think about. And if you’re a parent, that’s your worst nightmare. Luckily, there’s ways you can prevent a tragedy from happening in your backyard by following these guidelines from the American Red Cross:

Secure your pool when it’s not in use with a 4-feet high fence or barrier. Also, remember to remove any ladders or steps used for access.

Make sure children are being supervised at all times. Do not allow anyone to swim alone, and have inexperienced swimmers wear a U.S. Coast Guard-approved life jacket.

Maintain proper chemical levels, circulation and filtration. This will leave your water clean and clear, and minimize the risk of rashes or more serious diseases.

Establish safe practices, such as “no diving,” “stay away from drain covers” and “swim with a buddy.”

Make sure everyone in the home knows how to respond to emergencies by having the appropriate safety equipment and taking first aid and CPR courses.

 

 Another safety feature you can install is a pool alarm. It sits at the    edge of your pool, and when someone falls in, a pressure wave will cause the alarm to go off. It’s a device that’s sure to keep you at ease if you’re away from home, or when you’re  sleeping.

 

And most importantly, have a fun – and safe summer!

 


Wearing a red poppy on Memorial Day

Began with a World War I Poem

 

In the spring of 1915, bright red flowers began poking through the battle-ravaged land across northern France and Flanders (northern Belgium). Canadian Lieutenant Colonel John McCrae, who served as a brigade surgeon for an Allied artillery unit, spotted a cluster of the poppies shortly after serving as a brigade surgeon during the bloodySecond Battle of Ypres. The sight of the bright red flowers against the dreary backdrop of war inspired McCrae to pen the poem, “In Flanders Field,” in which he gives voice to the soldiers who had been killed in battle and lay buried beneath the poppy-covered grounds.that year, a Georgia teacher and volunteer war worker named Moina Michael read the poem in Ladies’ Home Journal and wrote her own poem, “We Shall Keep the Faith” to begin a campaign to make the poppy a symbol of tribute to all who died in war.poppy remains a symbol of remembrance to this day.

 


We Shall Keep the Faith

by Moina Michael, November 1918

 

Oh! you who sleep in Flanders Fields,
Sleep sweet – to rise anew!
We caught the torch you threw
And holding high, we keep the Faith
With All who died.

We cherish, too, the poppy red
That grows on fields where valor led;
It seems to signal to the skies
That blood of heroes never dies,
But lends a lustre to the red
Of the flower that blooms above the dead
In Flanders Fields.

And now the Torch and Poppy Red
We wear in honor of our dead.
Fear not that ye have died for naught;
We’ll teach the lesson that ye wrought
In Flanders Fields.

 


Crop Insurance News — Prevented Planting

 

In the spring of 1915, bright red flowers began poking through the battle-ravaged land across northern France and Flanders (northern Belgium). Canadian Lieutenant Colonel John McCrae, who served as a brigade surgeon for an Allied artillery unit, spotted a cluster of the poppies shortly after serving as a brigade surgeon during the bloodySecond Battle of Ypres. The sight of the bright red flowers against the dreary backdrop of war inspired McCrae to pen the poem, “In Flanders Field,” in which he gives voice to the soldiers who had been killed in battle and lay buried beneath the poppy-covered grounds.that year, a Georgia teacher and volunteer war worker named Moina Michael read the poem in Ladies’ Home Journal and wrote her own poem, “We Shall Keep the Faith” to begin a campaign to make the poppy a symbol of tribute to all who died in war.poppy remains a symbol of remembrance to this day.

 


What is Additional Living Expense?

 

Additional Living Expense (ALE) is a coverage that may be included with the policy you purchased to insure your home. It applies after a covered loss when your home is considered not fit to live in. Your policy will pay the actual, reasonable, and necessary increase in your living expense to maintain your normal standard of living while you live elsewhere.

 

This coverage is shown on the insurance declaration page of your homeowner’s policy or the homeowner’s section of your farmowner’s policy as coverage D.  It is usually expressed as a percentage of additional coverage that comes from the amount of coverage on the house itself.  The most common is 20%.  I have seen it as low as 10% and as high as 100% of coverage A, the insurance value on the physical dwelling itself.

 

A real-life example from The Southcott Agency Inc. files

As many of you know, we deal with a lot of farm and agri-business insurance.  We insure a horse farm that had the unfortunate experience of a small kitchen fire.  The physical damage from the fire was rather small, however, the smoke damage was extensive!  The smoke damage would not allow my client to live in the home.

 

Coverage D, Additional Living Expenses, kicked in.  The insurance company moved a mobile home to the farm and set it up including complete electrical, plumbing and sewer hook ups.  My client was able to live on the farm.  She was able to do daily chores, give riding lessons, and look after owned and boarded horses while the insurance claim paid to fix the kitchen and clean up the smoke damage. 

 

You can find details about Additional Living Expense coverage in Mike’s latest blog.  This blog and many more can be found on our website; www.thesouthcottagency.com


Happy Mother’s Day! You Are Unforgettable!

 

My mother’s gift of a single dried Forget-Me-Not plant was throw into my flower bed, and a few years and thousands of blossoms later, I have a beautiful reminder of her English gardens. 

 

Forget-Me-Not plants symbolize true love. The forget-me-not flowers are a medium, “true blue”. And as the name suggests, they are given or used to decorate gifts with the hope the recipient will not forget the giver. It also symbolizes faithful love and memories. 

 

Mythology/ Folklore  In a German legend, after the earth was created, God went to each plant and animal and gave each a name. As God finished and was getting ready to leave, he heard a little voice at his feet saying “what about me?” He bent down and picked up the little plant whom he had forgotten, and said “Because I forgot once, I shall never forget you again, and that shall be your name.”

 

The Christ Child was sitting on Mary’s lap one day and said that he wished that future generations could see her eyes. He touched her eyes and then waved his hand over the ground and blue forget-me-nots appeared, hence the name forget-me-not.

 

In another legend, the little flower cried out, “Forget-me-not!” as Adam and Eve left the Garden of Eden.

 

In Mill’s “History of Chivalry,” is given another story of origin with a less happy ending. The lover, when trying to pick the blossoms  for his lady-love, was drowned, his last words as he threw the flowers on the bank being “Forget me Not.”

 


COVID-19 financial stress‌

 

A recent Executive Order issued by Gov. Andrew M. Cuomo set forth the details that insurers must abide by in implementing the premium relief that has been mandated for policyholders financially impacted by COVID-19 pandemic.

In order to take advantage of these extensions, the insurer or finance company will need from you a written statement that you are having financial hardship as a result of the COVID-19 pandemic.

This also applies if you are a small business—any business that is resident in this state, is independently owned and operated, and employs 100 or fewer individuals.

Individual companies are handling these changes in different ways and you may have been already notified and provided an 800 number to call them for assistance.

‌If you are having financial hardship as a result of the COVID-19 pandemic and are unable to pay premium that is due, your insurance company can assist you by suspending cancellation for nonpayment and allowing you to pay the premium over a 12 month period.

If you have any questions about this premium payment assistance, or need help with the process, please do not hesitate to call our office @ 585-589-6236‌

 

*** Be aware that at the time of this newsletter being mailed, Federal Crop Insurance premiums are excluded from NY State COVID-19 extensions because Federal Crop Insurance is governed at the Federal level****

 

We will notify you with any changes as they develop.

 


What is radon gas?

 Is it dangerous?

 

Radon is a naturally-occurring radioactive gas that can cause lung cancer. Radon gas is inert, colorless and odorless. Radon is naturally in the atmosphere in trace amounts. Outdoors, radon disperses rapidly and, generally, is not a health issue. Most radon exposure occurs inside homes, schools and workplaces. Radon gas becomes trapped indoors after it enters buildings through cracks and other holes in the foundation. Indoor radon can be controlled and managed with proven, cost-effective techniques.

 

Breathing radon over time increases your risk of lung cancer. Radon is the second leading cause of lung cancer in the United States. Nationally, the EPA estimates that about 21,000 people die each year from radon-related lung cancer. Only smoking causes more lung cancer deaths.

 

You can take steps to reduce and control the amount of radon in your home. Testing is the only way to determine radon levels. Have your home tested, either by a professional or with a do-it-yourself home test kit. If radon levels are high, contact a certified radon service professional to fix your home. EPA guidance suggests mitigating if levels are at or above 148 Bq/m3 (4 pCi/L). Usually, radon problems are fixed using an underground ventilation system or by increasing the rate of air changes in the building.

 


Folklore for the Season

A dry May and a leaking June

Make the Farmer whistle a

Merry tune.

A Snowstorm in May

 Is worth a wagonload of hay.

 


Benefits of Google My Business

 

Google My Business is a free tool for businesses and organizations to manage their online presence across Google, including Search and Maps. If you verify and edit your business information, you can both help customers find your business and tell them your story.

 

Manage your information that Google users find when they search for your business, or the products and services that you offer. Businesses that verify their information with Google My Business are twice as likely to be considered reputable by consumers. When people find your business on Google Maps and Search, make sure they have access to information like your hours, website, and street address.

 

Interact with customers Read and respond to reviews from your customers. Post photos that show off what you do. Businesses that add photos to their Business Profiles receive 42% more requests for directions on Google Maps, and 35% more clicks through to their websites than businesses that don’t.

 


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

Leave a Reply

Your email address will not be published. Required fields are marked *