News You Can Use – August 2020

News You Can Use – August 2020



Zucchini Pancakes


    • 1/3 c. Bisquick or baking mix
    • 1/4 c. grated Parmesan cheese
    • 1/8 tsp. pepper
    • 2 eggs, beaten
    • 2 c. shredded zucchini
    • 1/4c. finely chopped onion
    • 2 tbsp. butter


    1. Mix all dry ingredients.
    2. Add eggs and mix.
    3. Add zucchini and onion, folding ingredients together.
    4. Melt butter in pan.
    5. Cook in pan like potato pancakes turning when golden brown.
    6. Serve with sour cream.  I love these!


13630 Ridge Road
Albion, NY  14411
Phone 585 589-6236
Hours 8:00am – 4:00pm


Just Keep Talking

Referral Program


Do You Have the Right Stuff?

Do You Know Someone Who Does?


The Southcott Agency Inc. is looking for a “Sales Superstar” and if you refer them to us, we will give you a $500.00 finder’s fee!  That’s right – if the person you refer is hired and stays with The Southcott Agency Inc. for 6 months – we will give you $500.00!


Interested? Respond to us via email IMMEDIATELY and you will be contacted for a telephone interview.  You need to do 2 things to apply:


  1. The only way to apply is to email your resume with references attached to with the subject “I am your next Team Member”. Do not call or stop by the office.
  2. In the body of the email write a short essay (less than 10 sentences) on one of the following topics:
    • Describe the person (past, present, dead, or living) you most admire and why?  OR
    • Describe an experience that has been most valuable to you and why?


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


August 8th is National Sneak Some Zucchini onto your Neighbor’s Porch Day (again)!



Important Crop Insurance Information

  • You must notify the company and receive authorization to replant or destroy a crop.
  • Prevented planting claims require a loss notice and must be submitted in a timely manner.
  • When cropping for silage and a loss is suspected, the crop must be appraised first or adjuster approved check strips must be left in the field.
  • There can be no production from prior years left in storage unless an adjuster or another USDA Agency employee has measured it prior to the current year’s production being added.
  • If mycotoxins such as Aflatoxin are suspected, appropriate samples must be obtained by an Approved Insurance Provider (AIP) adjuster or approved, trained, disinterested third party before production is put in storage.
  • MPCI production losses must be submitted no later than 15 days after the end of the insurance period for the crop.
  • Revenue loss notices must be submitted no later than 45 days after the harvest price is released for the crop.
  • Elevator moisture shrink may be different from MPCI moisture shrink.  Corn is 15%.  Soybeans are 13%.
  • Policies with Optional Units or more than one Basic Unit must keep production records separate by unit.
  • Crop-Hail losses need to be reported on a storm by storm basis.  Losses will not be adjusted until approximately 10 days after the storm date.

As always, call the office if you have questions concerning your claim.  Phone (585) 589-6236.


Add Fall Color

Give your flower border a late-summer injection of color by adding a generous helping of chrysanthemums. Available in an almost unlimited selection of colors, shapes, and flower forms, chrysanthemums go well with any garden decor. Plus, because they are sold in bud or bloom, they’ll add instant impact to pots, planters, or flower borders.

Their nectar-rich flowers attract a variety of colorful pollinators including migrating Monarch butterflies. Mix single- and double-flowering varieties with asters, pansies, and other fall bloomers.



Garden Tip: Chrysanthemums are available in two general categories: florist and garden. Florist mums are ideal for gift giving, but if you want color for your flower border, make sure you purchase garden mums that are tough enough to tolerate outdoor conditions.


Insuring Classic Cars



Insuring Classic Cars

I have a soft spot for classic cars. It’s probably partially a result of my father who could tinker and fix almost any vehicle, and if he couldn’t, my youngest brother could.  Now we enjoy celebrating automobiles every time we see a well-maintained vintage ride rolling down the road. There’s just something about seeing one that makes me smile.

I know I’m not the only person that feels that way, as there are plenty of classic car shows all around the country. Our area offers “cruise-in” classic car events all over Western New York.  Our parades usually feature locals in there classy chassies and festivals host a variety of car shows that offer prizes and recognition in many divisions.

The Southcott Agency Inc. uses several carriers to cover specialty vehicles; these include Haggerty, American Modern and J.C. Taylor. Our office relies on their expert underwriting to give our clients the best protection. 

All providers require proof of a personal automobile policy in place with your “regular” vehicle insured before they will insure your classic and custom vehicles.

It is a much bigger hobby than you might expect. Mainly because of the sub-genres inside the hobby—hot-rod, pre-war antiques, muscle cars, imports—you name it. The sheer number of niches can make the hobby seem and feel even bigger.

For example, J.C. Taylor insures antique and classic autos that fall under these categories:

Antiques & Classics

            Muscle cars                                           Light Trucks

            Vintage Motorcycles                            Farm Tractors

            Steam Automobiles                              Antique Delivery Trucks

            Horseless Carriages                              Military Vehicles

Modified & Customs

             Modified                                               Hot Rods

             Customs                                                Exotics

             Replicas                                                Rare Vehicles

             Kit Cars                                                 Resto-Mods

For more information about insuring your classic vehicle, you will find Mike’s latest blog on our website, and call the office for a quote.


Reduce Your Insurance Costs…

Beware of Bad Advice!


Many Americans are struggling financially in the current economy, particularly those struck by lay-offs, and are faced with tough decisions about how to reduce expenses. As a result, much has been written in recent months about how to reduce insurance premiums as one aspect of a belt-tightening strategy. Unfortunately, too much of this advice has been BAD and much of this bad advice comes from consumer web sites and publications that have little understanding of insurance and risk management.

Consumers shop for most things based on value, not just price. The same should be true for insurance which is far too often portrayed as some sort of homogenous commodity.  So, the next time you see a cute or clever sales pitch from a lizard, cave man, or giggling Walmart-like “pick your price” aisle clerk, ask what you’re buying. The amount of coverage you need depends on your exposure to loss and what assets and income you need to protect today and, in the future, not what you’d like to pay.  As always, we ask you to call the office (585) 589-6236 if you have concerns about your coverage. Mike’s complete blog on Bad Insurance Advice can be found on our website,



From the

“Sunday Magazine” 1871:

“The art of letter-writing is fast dying out. When a letter cost ninepence, it seemed but fair to try to make it worth ninepence… Now, however, we think we are too busy for such old-fashioned correspondence. We fire off a multitude of rapid and short notes, instead of sitting down to have a good talk upon a real sheet of paper.”

This quote gave me pause as I reflected on how texting and other technology has taken the place of documented thoughts and wishes.  As a child, I had a pen pal whom I exchanged holiday cards and letters.  What excitement came with her letters, as if the hand written post was a valuable gift.  Today our office still sends hand written thank you cards and I enjoy sending a note to friends occasionally, but rarely a long letter.  Some of my most cherished processions are Mike’s love letters during our college years, our daughter’s cards and notes and now our grandchildren’s handmade cards.


Here a few reasons why we should try harder to revive the lost art of letter writing.

It’s a Special Expression of Love

Receiving a letter in the mail holds an extraordinary kind of wonderment, like finding a gem hidden amongst a pile of pebbles. It makes people feel special and valued.  An intimate connection which texting cannot replicate.

It’s an Art Form

To me, each part of a letter is a work of art. The stationary, decorated beautifully with a reflection of the writer’s personality and style. The words, pondered and written one-by-one to convey an emotion or memory.

It Improves Memory Function

Writing things by hand has been scientifically proven to aid and increase one’s memory recall. By creating the individual letters and connecting them together, you’re entrenching passages in your memory, which can improve your spelling and help you remember details like names and addresses.

It Allows Reflection & Relaxation

The act of composing a letter creates in your day a moment to disconnect from the cyberspace hustle. You can slow down and think.

It Reaches Out to Those Offline

Prepare your heart for this shocking fact—not everyone in the world uses e-mail or social media.

It Connects us to the Past

“The Love Letter” by 19th century painter, Sir Samuel Luke Fildes. / Source: Pinterest

While writing a letter, your imagination can travel back in time and revel in the ways of yesteryear. Back when one wrote by gaslight or flickering candle flame. When receiving letters was an anticipated event, and writing them an enjoyable pastime, a tangible way of connecting two hearts across the miles.

It Connects us to the Future

There’s a reason people save old letters rather than old e-mails. Letters retain a tangible piece of the person who penned them, even after that person is gone. Not simply their words, but their hearts expressed through those words. Their state of mind and personality reflected in each unique stroke of the pen. In the years to come, your grandchildren might want to read a letter you wrote.



The Best Road Trip Ever!

Road trip games are games you play while in the car with others. Road trip games can turn a boring drive into a fun experience that can make you laugh out loud and bring you closer together. The best way to pass the time and ensure a vacation is full of happy memories is to plan out some road trip games ahead of time.


  • Categories. One person picks a category (ex: Britney Spear’s songs, NFL teams, flavors of La Croix) and everyone takes turns naming something in that category until someone (the loser) is stumped.
  • Alphabet. Take turns going through the alphabet. Each player must find the next letter either on something in the car (like the stereo screen) or license plates, or road signs.
  • Going on a Picnic. This is a story memory game where someone says “I’m going on a picnic and I’m going to bring….” and then lists an item. The next person begins I’m going on a picnic and I’m going to bring….” and must list the first person’s item before adding their own item. The list grows and grows and the first person to not be able to correctly list all the items is the loser (or out, if you have enough people to play in elimination rounds).
  • I Spy. The road trip classic. One person says “I spy with my little eye…. something” and then vaguely describes something they see, like “I spy something red”. The other players take turn asking yes or no questions until they can guess what the item is.
  • Story. One person says a word that begins a story. Take turns adding one word onto the story and see where it ends up!
  • The License Plate Game. Interpret the letters in each license plate you pass. For instance, REG could stand for “Ron eats garbage” and CSB could be “Claire smells bad”.
  • Would You Rather. Play an epic game of Would You Rather. Try to stump the other person with the weirdest or most difficult questions you can come up with.
  • Scavenger Hunt. Before you leave prepare a list of common things you’d see along the road: cows, a mileage sign, a motorcycle, a barn, a police car, an RV, etc. You can personalize it if you know the route well. Each person tries to check off as many of the scavenger hunt items as they spot.
  • The License Plate Game. Try to find a license plate from every state. Or, try to find a license plate that begins with each letter of the alphabet. Or, see who can spot a license plate from the farthest away place — whoever calls it first gets the credit!
  • Rhyme. One person picks a word and everyone has to go around saying a word that rhymes with it. The first person to be stumped or to repeat a word loses.
  • Rule. Everyone in the car gets to make one nonsense rule, like “every time we go under a bridge everyone needs to bark like a dog” or “whenever I put my hat on everyone has to touch the roof of the car”. Every time a rule is enforced everyone but the last person to catch on gains a point. Whoever has the least points when you get to your destination loses.
  • The Quiet Game. Everyone sees how long they can be quiet, whoever speaks the first loses. (This is an especially fun game to play with kids when you need a little downtime).
  • Punch Buggy. Every time you see a Volkswagen Beetle, the first person to see it gets to punch someone else in the arm.
  • Read short stories aloud. Find short funny or interesting stories to read aloud. If you’re doing a creepy drive, read something scary.
  • Car Bingo. Come up with a list of vehicle types that everyone will be searching for. The first person to cross every car off their list wins! 

Have fun on your next road trip!


13630 Ridge Road
Albion, NY 14411
Phone 585 589-6236
Hours 8:00am – 4:00pm