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HSBR Insurance
9055 SE Bridge Road
Hobe Sound, FL 33455
772-546-7292
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Are You Making These Insurance Blunders?
When it comes to buying insurance, what you don’t know can hurt you…and your family…for years to come.
Learn how to identify the top ten insurance mistakes and what you can do about them with my free guide, "The Top 10 Insurance Blunders - and How to Avoid Them."
Just reply to this email and I'll send it right out to you.
Quick Quiz
Each month I'll give you a new question.
Just reply to this email for the answer.
When the Prince of Wales is crowned King of England, what will he be known as?
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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: Chicken Rice Corn Casserole
Serves 4
- 1 ½ cups milk
- 1 ½ teaspoons salt
- 3 cups cooked white rice, cooled
- 2 cups shredded chicken breast
- 1 10-ounce package frozen corn, thawed
- 3 tablespoons minced onion
- 2 cups grated cheddar cheese
- ¼ teaspoon black pepper
- paprika
Directions
Preheat oven to 356° F and butter a 2-quart casserole dish.
Place milk in a small bowl and add salt. Stir until salt has dissolved.
Combine the remaining ingredients, except the paprika, in a large bowl
with the milk mixture, gently stir, transfer to the prepared casserole
dish and sprinkle generously with the paprika. Bake uncovered in
pre-heated oven for 40-45 minutes or until knife inserted comes out
clean.
Worth Quoting
The
Festival of Sleep Day is held every January to give us a rest after the
exertions of the holidays. Here are some famous quotes on the subject
of sleep.
Life is something that happens when you can’t get to sleep.
Fran Lebowitz
Laugh and the world laughs with you, snore and you sleep alone.
Anthony Burgess
Nice guys finish last, but we get to sleep in.
Evan Davis
People who say they sleep like a baby usually don’t have one.
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Is 'Sinflation' Making Your Premiums Skyrocket?
"Sinflation" is a topic that gets little attention, but it has the potential to cost you hundreds or even thousands of dollars more each year in insurance premiums.
Following is a rundown on the top seven deadly (and costly) sins, as well as some tips on how you can minimize their impact on insurance rates:
Smoking: Tobacco users tend to pay more for almost everything - from general health and life insurance to car and homeowner insurance. The additional risk of fire-related accidents can even negatively impact investment properties.
Drinking: Alcohol adds to the cost of car insurance, especially for those who have had a previous arrest for driving while intoxicated. Homeowners should also be aware of the impact of drinking. Hosting those holiday parties may inadvertently expose you to increased liability should an accident occur in the home or even after someone leaves the party.
Greed: Learning how to live within your budget is another important way to reduce the cost of insurance. Bad credit is associated with higher rates for both vehicle insurance and homeowner coverage. Keep a close eye on expenses and pay down those debts to get the best rates.
The Company You Keep: While it might seem odd to base insurance rates on the company you keep, it does play an indirect role in the cost of your homeowner coverage. Neighborhood crime rates are also likely to increase car insurance coverage. Set up a neighborhood safety group or carefully consider moving to a less volatile area to save big bucks on both your homeowner and car insurance coverage.
Criminal Behavior: Crime really doesn't pay, especially when it comes to renewing your automobile and homeowner policy. Whether it's a litany of traffic violations or a white-collar crime, criminal behavior can dramatically increase the rates of some forms of insurance. In fact, even bad behavior from minors and others living in your home can raise your rates, so pay special attention to the legal status of everyone in your home and vehicle.
How a 'Life Audit' Can Help Your Resolutions Stick
 It's
the time of year to make plans and set a few goals. However, despite
the best of intentions the majority of resolutions fail to germinate.
Following are three ways to make sure you stick to your resolutions:
Be Sincere: Sometimes it is difficult to
determine what is - and isn't - really important. Peer pressure,
expectations of family and friends, and even your own fears all tend to
inhibit the ability to admit what you really want. Audit your emotional
state by writing down the most important people, events and feelings you
have experienced in the past year and what you would do differently
next year. Make it meaningful.
Take Small Steps: Rather than trying to
tackle all of life's little challenges at once, take small steps
instead. Make a list of things that are incomplete for 2010 that could
be finalized during 2011. Next, make a list of things you would at least
like to begin next year, including any assets or special information
that will be needed. It's a great way to build on success, rather than
becoming frustrated with failure, which comes from an "all or nothing"
mentality.
Eliminate Negativity and Naysayers: Let's
face it, trying to reach a new goal is tough enough even without the
influence of naysayers and other negative influences. Trying to climb to
new heights with a boulder of negativity on your shoulders is a burden
you don't need. Eliminating negative people, actions and activities from
your life not only increases the odds of reaching your goals, but more
importantly it enhances your enjoyment of the entire process.
Picture credit.
An Affordable Vacation with a Difference
 Thinking
about hitting the highway or flying somewhere for a bit of rest and
relaxation? Why not consider a volunteer vacation instead?
Volunteer vacations are relatively new phenomena that
combine domestic or international travel with the opportunity to help
others while enjoying yourself.
Depending upon the program, location and other specific
criteria, room and board is often part of the experience, making it an
affordable way to visit areas that might otherwise have been out of the
question.
Some programs actually pay a small stipend for those that volunteer for longer-than-average durations.
If you are considering a volunteer vacation it is important to plan ahead, especially for overseas locations.
A passport/visa will be needed and you may have to get vaccinations.
Many programs have a limited number of spots available, or
there may be qualification criteria, so make sure you apply early.
You can learn more at the following websites:
How Social Media Could Void Your Insurance Claims
Social media sites such as Facebook and Twitter are among the fastest-growing segments of the Internet. More people are turning to them. They're a wonderful way to stay connected with family and friends. Unfortunately, there's a dark side to even the most valuable tool.
Following are some of the ways social media websites can increase the risk for your family, business and even insurance coverage:
Increase Crime: Real-time broadcasting of your location makes it easy for criminals to know when you are away from a home or business and even some of the possessions that may be available. Be cautious when sending messages and avoid real-time feeds, especially if you don't have a very strong security system in place.
Void Claims: Several high-profile cases have recently gone to court in response to the growing concerns over insurance fraud. Online communications are increasingly subject to scrutiny so watch what you say. Even the photographs you take could be misconstrued or taken out of context. For example, someone with an active injury claim might be on shaky ground when confronted with photographs showing a big night out on the town.
Reputation Matters: Everyone from prospective employers to landlords are making a habit of checking social media sites in addition to standard reference sources. If you claim to be a non-smoker, but show photos of a house filled with smoking relatives, don't be surprised to find an offer rescinded.
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