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HSBR Insurance
When it comes to buying insurance, what you don’t know can hurt you…and your family…for years to come. Quick Quiz Each month I'll give you a new question. Just reply to this email for the answer. Where are the gardens once owned by Claude Monet and made famous by the impressionist’s Water Lilies paintings? Why Not Pass Me to a Friend? If you've enjoyed this newsletter and found its information useful, please forward it to a neighbor, friend or co-worker by clicking this link. Recipe: Festive Bell Pepper Dip Serves up to 10 as an appetizer Ingredients • 3-4 red bell peppers, roasted, peeled, seeded and cubed • 1 cup water • 1 cup sugar • 1-2 teaspoons white vinegar • Pinch of salt • Chopped herbs for garnish • 1 package cream cheese, at room temperature Directions Combine the water, sugar, vinegar and salt in a medium pan and bring to a simmer until the sugar has dissolved. Add the diced peppers and continue simmering, uncovered, until the peppers look almost translucent and bright red. This will take about 30 minutes. Remove from heat and allow the mixture to come to room temperature. Place cream cheese in the center of a platter and pour the bell pepper mixture around. Sprinkle with fresh herbs and serve with crackers. Worth Quoting To mark the season of gift giving and charity, here are some famous quotes on the subject of generosity. Generosity is giving more than you can, and pride is taking less than you need.
Khalil Gibran
That’s what I consider true generosity. You give your all, and yet you always feel as if it costs you nothing.
Simone de Beauvoir
Generosity with strings is not generosity; it is a deal.
Marya Mannes
Thoughtfulness for others, generosity, modesty, and self-respect are the qualities which make a real gentleman or lady.
Thomas H. Huxley
Too many have dispensed with generosity in order to practice charity.
Albert Camus
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We Wish You a Very Merry Christmas!
Spending your days tweeting away might be a great way to share news with friends and family, but it's also a way to increase the risk of getting robbed.
Smile! Five Tips for Stunning, Festive Photos  Commemorate
this year's holiday celebration with picture-perfect photos that
everyone will enjoy. Following are some tips to help you achieve
photography success:Quick Clicks: Capture the moment when you can. Rather than risk the dreaded fake smiles and stiff poses, simply keep clicking. Some of the best pictures are those that are taken before or after the main event. Stick to Solids: Ask participants to wear solid colors. Plaid, paisley and other heavy designs tend to detract from the full impact rather than enhance it. Lighten Up: Good lighting can transform an ordinary picture into an extraordinary photograph, so take time to cultivate an area that compliments subjects and their surroundings. Early mornings or late afternoons create a warm glow for outdoor shots, while candles or seasonal lights add interest and warmth to indoor settings. Move Around: Static photos tend to look boring. Good photographers understand the need to take photos in a variety of settings and from different angles. Mix it up and keep your eyes open for those fun moments when people don't realize they are being photographed. It's the stuff memories are really made of. Young at Heart: Most holiday celebrations have a lead photographer, but impromptu shots add to the fun and tell the rest of the story. Hand out disposable cameras to the kids and other party participants to create an atmosphere of fun and discovery Picture credit. The Essential Guide to Holiday Gifts in the Workplace  Unless
you're new to the workforce, chances are you've experienced at least
one uncomfortable office party and its associated gift-giving. Here are some etiquette insights to help you survive: Group Gifts Are In: Show your appreciation to the big boss by teaming up with others in the office to purchase an appropriate gift. Group giving reduces the perception of kissing up while sending a strong message of support and solidarity. For Sentimental Reasons: Close friends or that special someone you might work with deserve a little extra attention, but be sure to set aside time away from the workplace to exchange gifts. It preserves the integrity of the relationship without subjecting it to gossip, rumors or even envy. Give Great Gifts: Gift giving is not about how much is spent. In fact, it's a bad idea to spend a lot of money since it often makes the recipient feel obligated to respond in kind or feel ashamed at his or her gift. Instead, search for something that emphasizes respect and charity. Making a donation to a favorite charity or selecting a small but unique item is always in style. To really mix things up, consider a fun theme or something that reflects the corporate culture in a unique way. Other Useful Tips: Always remember to send thank-you notes. Also, watch your words and even sense of humor to avoid inadvertently hurting the feelings of a well-intentioned but gift-challenged co-worker. Finally, it is a good idea to avoid religious, political or other hot-topic themes both when selecting a gift and during the office party. Picture credit. Holiday Parties: Make Sure You're Covered If you're planning a big holiday bash, you might want to consider social host liability coverage before the event. Sobering Statistics According to research conducted by the Department of Transportation, 50% of holiday traffic fatalities involve alcohol. Even worse, more than 30 states have laws that hold a host responsible should a guest leave and get into an accident. Social Host Laws Unfortunately, being a gracious host may mean more than what meets the eye. According to social host laws, anyone that serves alcohol may be the subject of a lawsuit should a guest be involved in a car accident. Contrary to popular opinion, a host or hostess can be held legally liable for an accident after providing alcohol whether they own the home or rent it. Following are some key tips to keep in mind when planning your next holiday party: Don't Allow Guests to Drive Drunk: Provide alternative forms of transportation and assign a safe driver for those that may over-indulge. Never Serve Minors: Underage drinking is against the law and puts the host at increased risk since all illegal activity is automatically voided under insurance restrictions. Evaluate Insurance Coverage: For those that own their home, it is important to evaluate your policy. It may, or may not, provide sufficient protection depending upon the type of insurance coverage purchased. Renters are especially prone to risk since nearly two thirds fail to purchase basic rental protection. Limit Libations: Stop serving anyone who shows signs of intoxication and make other arrangements for their transportation. Consider Purchasing Additional Insurance: When in doubt, seek professional advice or consider purchasing an additional liability policy such as umbrella insurance. Explore Other Options: It might be a better idea to celebrate at a local restaurant or lease a venue. Not only does it shift the risk, but it's a great way for the host to have fun as well.
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| 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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