News You Can Use – July 2020

News You Can Use – July 2020




This recipe can be grilled along side your burgers or hot dogs.

Start with a 10-inch cast iron skillet and add the ingredients in the order listed:

          • 8 oz. package of cream cheese cubed
          • 16 oz.  can refried beans spooned between cubes of cream cheese
          • 2 T. Taco seasoning mix – sprinkled evenly on top
          • 1 cup shredded cheddar cheese
          • 1 cup salsa

Top with another 1 cup shredded Cheddar

Serve hot from the grill and add extra toppings like chopped onions, peppers, black olives, and avocado. Serve with chips.

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


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


Update on Refunds & Payment Deferrals

Some insurance companies have refunded premium during the Corona Virus Pandemic.  Please call the office to see how your carrier is dealing with the pandemic.

Today’s  new emergency regulation directs property and casualty insurers to provide flexibility to consumers experiencing financial hardship caused by the pandemic by continuing to extend the grace period for the payment of premiums and fees under auto, homeowners and renters insurance policies, among others. The same relief will be available for businesses with 100 employees or less, independently owned and operated and resident in New York, under auto, homeowners, renters, workers’ compensation, and certain other lines of commercial insurance.

DFS requires property and casualty insurers to provide the following relief to consumers and small businesses who can demonstrate financial hardship due to COVID-19:

  • Provide an extended grace period for the cancellation, conditional renewal or non-renewal of a policyholder’s insurance policy;
  • Allow premiums due but not paid during the 60-day period to be paid over the course of the following year in 12 equal monthly installments; and
  • Waive any late payment fees, and not report late payments to credit rating agencies, during the 60-day period.


**This government policy is somewhat confusing because the deferred payment is actually deferred over the current policy period. Please call the office 585 589-6236 to find out your carrier’s policy on deferment.


Keeping your home cool in the summer

I always look forward to the warm weather that summer brings, but when I’m dreaming of sunny days, I usually forget how difficult it can be to adapt to the heat. Rising temperatures can make even those with the sunniest dispositions rather grumpy. During times when you’re sweating and baking in stifling heat, you want your house to be a cool, comfortable oasis, not a sweltering prison.         

In these situations, your air conditioner can save the day. So here are several tips to make sure your air conditioning unit is working efficiently and effectively:


  • Be sure your air conditioner is properly sized for your home.
  • Avoid air conditioning unused rooms.
  • Ensure that your air ducts are properly sealed and insulated.
  • Provide shade for the outside half of your air conditioner.
  • Clean your air conditioner’s air filter at least once a month to increase the air flow.

A well-functioning air conditioner is great for surviving the summer heat. But constantly keeping one running uses a lot of energy and raises monthly electric bills. To cut down on energy usage, it’s a good idea to have a few alternatives for beating the heat. Here are a few ideas for staying cool in your home during the summer without air conditioning:

  • Cook your meals outside on a grill instead of preparing food with an indoor stove or oven.
  • Open the windows and let the cooler nighttime air in before you go to bed.
  • Turn on bathroom fans after you take a shower and turn on the exhaust fan in your kitchen after you cook. This will blow away the hot air that is created by both activities.
  • Unplug your electronics when they are not in use. Even if they are turned off, your gadgets will produce heat when they are plugged in.
  • Make sure your house is properly insulated. A well-done insulation project will keep your home cool in the summer as well as warm in the winter.
  • Plant trees around your home to create shade.
  • Refrain from using appliances like dishwashers until cooler parts of the day.
  • Sleep with cotton bed sheets instead of satin, silk or polyester. Cotton is lightweight and will allow for much more airflow.
  • Be creative and experiment with fans. Try facing box fans out the windows so they push away hot air, or make a DIY air conditioner by placing a pan or bowl of ice in front of a fan.
  • Turn off the lights as often as you can. Light bulbs give off heat, so try to use them minimally and take advantage of summer’s longer daylight hours.

These ideas may be exactly what you need to keep your home cool in the summer. Making sure you and your family are comfortable at home is the first step to making the most of this wild and wonderful season!


  • Over 150 million hot dogs will be eaten this 4th of July
  • Oddly, the majority of our nations flags and patriotic paraphernalia are made in China.
  • The first 4th of July party was held at the white house in 1801.
  • The 4th of July was not declared a national holiday until 1941.
  • The youngest signer of the Declaration of Independence was 26, and the oldest was 70.
  • When the United States became a country there were approximately 2.5 million people. Today there are more than 304 million.
  • Three U.S. Presidents, Thomas Jefferson, John Adams, and James Monroe, died on July 4th.


Heat Stroke and Heat Exhaustion

– Limit Strenous Outdoor Activity


When temperatures reach sweltering, it’s not just uncomfortable — it’s also dangerous and potentially deadly. Extreme heat sends an average of 65,000 Americans to emergency rooms annually, according to the Centers for Disease Control and Prevention (CDC).

Heat exhaustion and heat stroke, the most dangerous of the heat-related illnesses, can occur when the body is unable to properly cool down after prolonged exposure to excessive heat (such as working or exercising outdoors). Heat stroke is a more severe case of heat exhaustion, Dr. Kapur explains. The good news? It’s preventable.



Prevent It

            Kim Knowlton, PhD, assistant professor of environmental health sciences at Columbia University in New York City,people to slow down and adjust work and activity schedules to keep cool during midday, when the sun tends to be the strongest.

Here are some symptoms to look out for, according to the CDC:

  • A body temperature of 103 degrees F or higher
  • Hot, red, dry, or damp skin
  • A fast pulse
  • Headache, dizziness, or
  • confusion
  • Loss of consciousness
  • Heavy sweating
  • Cold, pale, clammy skin
  • Nausea or vomiting
  • Muscle Cramps


Deadlines for Crop Insurance

  • Acreage reports must be signed by July 15th for corn, soybeans, potatoes, and oats.
  • Acreage reports must be signed by August 15th for cabbage, processing beans, processing sweet corn, and fresh market beans.
  • Acreage reports must include:
    1. Planted acres and plant dates
    2. Prevented planted acres by crop
    3. Common land units, farm #’s, tract #’s, field #’s


Please call the office (585)589-6236 as soon as you are ready or as soon as your acreage report is done at the Farm Service office.

Premiums will be issued after acreage report is filed and will be due by September 1st.  Interest will be added as of October 1st and every month thereafter.


What is a Personal Umbrella?

A personal umbrella provides affordable coverage beyond your basic policies, such

as your home-owners, renters, auto or watercraft policies. It helps protect your assets (your home, for example) and future earnings and pays for defense costs in the event that you are sued.

Do I need it?

Yes…. Because everyone makes mistakes that can lead to a lawsuit. Even if you’re not at fault, a Personal Umbrella policy can also cover defense costs.

For more information on how to protect yourself and your family, please call the office at 585 589-6236.



My take-aways:

  • Small minds talk about problems, criticize, and belittle.
  • Average minds talk about the past , but don’t use it to propel them into a higher better future.
  • Great minds talk about goals and new ways to improve themselves while raising others up around them.


Remember Safety While Driving with Pets



Traveling in automobiles can be extremely dangerous for your family companion – and you.

Loose pets inside of vehicles can become a deadly distraction for drivers. Moreover, unrestrained pets can become hazards themselves during an accident.


Here are a few important tips that will help to keep you, your best friend, and others safe and happy on your next trip:

  • Just in case you and your pet become separated, be sure that all ID tags are properly affixed to your pet’s collar and that they have your current contact information, including cell number(s).
  • Update your microchip registration and pet license information to ensure its current.
  • Never leave pets unattended inside of vehicles. Remember that cars heat up fast – even with the windows cracked!
  • Properly restrain, contain or crate your pets inside of your vehicle prior to your trip. Consider purchasing a specially designed pet seatbelt, carrier or barrier to avoid irreversible consequences due to distractions or other mishaps.
  • Never allow pets to sit on your lap or remain in the front seat while you drive.
  • Never allow pets to stick any portion of their bodies out the window. Although most dogs love to stick their heads out open windows, the wind can seriously irritate mucous membranes and blow pieces of grit or other debris into their eyes. Pets could also be seriously injured by objects as you drive down the road.
  • Pets should never be transported in the bed of a pickup truck. Not only could your pet injure, or even kill himself/herself – he/she could cause an accident which may harm someone else. It is estimated that at least 100,000 dogs die in accidents each year because they were riding in truck beds.
  • Do not leash your pet inside of a truck bed even when parked to avoid strangulation hazards and because open truck beds do not provide any protection from the weather. The hot sun can heat the metal floor of a truck bed enough to burn a pet’s paws. A dog left sitting in the broiling sun without water or shade may suffer from heat stroke.

Keeping pets safe is every pet owner’s responsibility. Being a safe driver is not only your obligation – it’s the law!


*** July 24th is Tell an Old Joke Day!


Where was The Declaration of Independence signed?

At the bottom


How is a healthy person like the United States?

They both have good constitutions.


What kind of tea did the American Colonists drink?



How come there’s no knock knock jokes about the 4th of July?

Because freedom rings. What did one flag say to the other? Nothing, it just waved.


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