News You Can Use – October 2019

News You Can Use – October 2019

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Halloween Fun Facts

Halloween candy sales average about $2 billion annually in the United States.  Reese’s Peanut Butter Cups rank as the most popular Halloween candy.

Halloween is the 2nd most commercially successful holiday, with Christmas being the first.

The Count Dracula Society was founded in 1962.  To this day, there are vampire clubs and societies filled with members who claim to be vampires.

The movie “Halloween” was made in only 21 days in 1978 on a very limited budget.  It was shot in the spring using fake autumn leaves.  The setting of the movie is in Illinois, but the vehicles have California license plates.


Overnight Apple French Toast

  • 8 lg slices French bread, cubed
  • 1 (8 oz pkg) light cream cheese, cut into cubes
  • 1 lg Apple, peeled, and chopped
  • 6 eggs
  • 1 cup milk
  • 1-1/2 tbsp. cinnamon. powdered sugar
  • Fresh Maple Syrup

Instructions:
Spray a 11 x 7 baking dish with cooking spray.
Place 1/2 of the bread cubes in baking dish.
Cover bread with all the cream cheese cubes.
Sprinkle with chopped apple.
Top with remaining bread.
In a bowl, beat eggs, milk, and cinnamon until blended. Pour over bread mix.
Cover, refrigerate overnight.
Next morning, heat oven to 375°F. Bake for 35 minutes or until set.
Sprinkle with powdered sugar.
Serve warm with syrup.


The Right Way to Plant Fall Bulbs

As you are planting bulbs, there are a few things to remember. First, make sure that you choose a spot with at least 6 hours of sunlight. For early bloomers, like daffodils, you can plant in a spot that gets sun before the trees have leaves in the spring. By the time trees start shading your bulb bed, early blooming bulbs should be almost finished for the year. Bulbs also like soil that is rich with organic matter or compost, and they love well-drained soil. Soggy soil or overwatering will cause them to rot. Finally, when you are ready to plant, the general rule of thumb is to plant a bulb three times as deep as the bulb is tall, making sure the pointy part is facing upwards.


A Simple Way to Save Time & Money

Our agency is always looking for ways to make protecting the things that matter most to you simpler. You may have a to-do list a mile long like mine and could use a break in the monthly paperwork and bill paying category.

Instead of writing a check, finding a stamp and running to post office or to our office, many of our companies offer an EFT, electronic funds transfer, option.  Some companies even give a discount for using EFT.

Some companies allow you to choose the date of the withdrawal that is done automatically from your checking account, savings account, or credit card each month. Call the office (585) 589-6236 to set up an automatic payment withdrawal that works for you.


October
is Breast Cancer
Awareness Month

Most of us know someone who is battling or has battled breast cancer in the past.

Breast cancer awareness is an effort to raise awareness of breast cancer and educate people about its symptoms and treatment options.

Men and women can get breast cancer, however, women are 100 times more likely to be diagnosed with it.

Breast cancer is the 2nd most common type of cancer in woman (second to skin cancer).

About 1 in 8 women will develop invasive breast cancer in her life.

Symptoms of breast tumors vary from person to person. Some common, early warning signs of breast cancer include:

Skin changes, such as swelling, redness, or other visible differences in one or both breasts.
Changes in the appearance of one or both nipples.
Nipple discharge other than breast milk.
General pain in/on any part of the breast
Lumps or nodes felt on or inside of the breast

Symptoms more specific to invasive breast cancer are:

Irritated or itchy breasts
Change in breast color
Increase in breast size or shape (over a short period of time)
Changes in touch (may feel hard, tender or warm)
Peeling or flaking of the nipple skin
A breast lump or thickening
Redness or pitting of the breast skin (like the skin of an orange)

It’s important to remember that other, benign conditions may have caused these changes. For example, changes to the skin texture on the breast may be caused by a skin condition like eczema, and swollen lymph nodes may be caused by an infection in the breast or another, unrelated illness. Seeing a doctor for an evaluation will help you determine whether something you notice is cause for concern.


Signs of Winter

Before weather apps, people looked to nature for their winter forecast. According to The Old Farmer’s Almanac, there are 20 indicators of a hard winter to come that are still relevant today.

  • Thicker than normal cornhusks
  • Woodpeckers sharing a tree
  • Early arrival of the snowy owl
  • Early departure of geese & ducks
  • Early migration of monarch butterfly
  • Thick hair on the nape of the cow’s back
  • Heavy & numerous fogs during August
  • Racoons with thick tails & bright bands
  • Mice eating ravenously into the home
  • Early arrival of crickets on the hearth
  • Spiders spinning unusually large webs & entering the house in great numbers
  • Pigs gathering sticks
  • Insects marching in a line rather than meandering
  • Early seclusion of bees within the hive
  • Unusual abundance of acorns
  • Muskrats burrowing holes high on the riverbank
  • “See how high the hornet’s nest, ‘twill tell how high the snow will rest”
  • Narrow band in the middle of woolly caterpillar
  • Squirrels gather nuts early Frequent halos around the Sun and Moon forecasts numerous snow falls

Prepping for Winter

Get your home ready for winter before the snow falls.  You can prevent water and freeze damage by following this guide from the Insurance Institute of Business and Home Safety.

Inside your home:
Get sufficient insulation in your attic to reduce ice dam risks.
Clean gutters to allow water to drain freely.
Seal all doors with weather stripping.
Insulate pipes in a laundry room or bathroom on exterior walls. Insulate pipes in cabinets on exterior walls.

Outside your home:
Remove tree branches that hang over your roof and gutters.
Buy a roof rake to safely remove snow on your roof.


Thank You So Much!

Everyone here at my office and myself would like to thank you for your continued trust and support in our agency! We are so thankful for customers like you!

For being such a great client, I want to give you a $20.00 gift card for referring us to your friends and family.

We reward you for each referral and have monthly drawings and a grand prize drawing for an iPad!

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


Important Crop Insurance Dates & Information

Wheat and forage acreage reports are due by November 15th
Final wheat plant date is October 10th. 
15-day late plant period is October 25th.
Prevented planting claim for wheat must be filed 72 hours after final day of planting, then actual acreage of prevented planted acres must be declared on acreage report.

2019 crop insurance premiums have been billed. The first of every month, interest is added.

***Interest on Spring crops postponed until December 1st due to wet spring and summer.
Apples grapes, peaches, and cherries premium due by November 20th.
Wheat premium due November 30th.
Onion premium is due February 1st.
All other crops are due March 15th.
!!! If you pay the premium after the termination date, you are ineligible to insure your crop in the next year!!!

When filing a claim…
File the claim as soon as you think you have damage.  The policy says to file within 72 hours of noticed damage.
Some crops require you to leave strips in the field for adjuster to inspect.
The latest you can file a claim is 60 days after the end of the insurance period (for corn and soybeans it is December 10th). 
The end of the insurance is also the last day of the harvest.
Revenue policies, when there is no production loss, have 45 days after the harvest price is released to make a claim.  The soybean price is released November 5th and the corn price is released by December 5th.

Sales for apples, grapes, peaches, and cherries are November 20th
Make sure the correct entity information, insured crops, insured counties, options, unit structure, and insurance level are all selected correctly.

As always, do not hesitate to call if you have any questions.


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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