News You Can Use – November 2019


News You Can Use – November 2019



Happy Thanksgiving!

George Washington proclaimed a day of public thanksgiving and prayer in 1789 to be a yearly tradition.  In 1863, Abraham Lincoln made Thanksgiving a national holiday to be observed on the last Thursday in November.  It was not until 1941 that Congress officially designated Thanksgiving Day as a federal holiday.  Before presidential proclamations, Native Americans celebrated harvest festivals and colonists gave thanks for survival, crops, and for their faithful God.

If you have wondered why we celebrate Thanksgiving with a turkey dinner, it is because in the early 1800’s turkey was a rare treat costing a day’s wages. It became a special treat and the tradition has become the symbol for the holiday.  Some even refer to Thanksgiving as Turkey Day.

Here are a few ideas to enrich your Thanksgiving Holiday

Participate in a gratitude experience.  Have everyone write down a charity or service project that is important to them.  Make a commitment to contribute or serve by year’s end.  Our blessings will be multiplied by sharing with others.

Decorating or setting the table.  Our kids made turkey place card holders years ago that we continue to use.  Some of the names have changed, so there are scratch outs and mismatches – still cherished.  Thanksgiving dinner is also when we use Mom’s good Christmas dishes for the first time.

Share in the meal planning and prep.  My ninety-year-old mother still hosts Thanksgiving dinner for our family.  She continues to prepare the turkey, stuffing and gravy while my siblings and I fill in the rest.   Mom also makes delicious pies to end a perfect holiday meal.

Consider changing the time you eat Thanksgiving dinner until evening.  Most people feast around noon creating an early chaotic morning.  Maybe a big relaxing family breakfast will be a better start to the Holiday.  Preparation can be done during the afternoon while watching football or your favorite movie.

Most importantly, make time to socialize, chat, and catch-up with family and friends.

After Thanksgiving Turkey Salad

thanksgiving salad recipe

4 cups cubed turkey
¾ cup mayo
1 T. sweet pickle relish
½ cup chopped pecans or walnuts
½ cup dried cranberries or cherries
1 apple cored and chopped
1 T. dill

So easy!
Just mix all of the ingredients together in a bowl.
Serve on lettuce or in bread.  So delicious!

The sight of a deer nibbling grass in the backyard might easily put a smile on your face…

deer car accident

But if you catch sight of one in your vehicle’s headlights, it can be terrifying. A current client recently hit a deer that rendered the vehicle undrivable. They assumed they had rental car coverage and were surprised to find they did not.

Many clients try to save money by declining rental car, towing, and full glass coverage, but when an accident occurs the cost can be overwhelming!

Striking a deer can cause significant damage to your car, cause injuries and in some cases death. Car-deer collisions are fairly common, especially during the fall season.  The average collision causes $4000.00 in vehicle damages.

On average, it is estimated based on insurance claims, that there is about 65,000 deer-vehicle collisions in New York per year.  In October to December of 2016, there were more than 9,700 deer-vehicle crashes, according to a AAA Northeast analysis of New York Crash Data. The counties with the most deer crashes that year and for those months, were Orange, Monroe, Erie, Oneida and Ulster.

Based on these numbers, a deer-vehicle collision happens about once every eight minutes, but during autumn the crashes typically increase.

Please call the office at (585) 589-6236 if you wish to increase your auto protection by adding rental car, towing, or full glass coverage.

Fall Deep Cleaning Checklist

  • Check and clean gutters
  • Wash windows
  • Have rugs professionally cleaned
  • Clean outdoor grill
  • Clean and store patio furniture
  • Clean refrigerator
  • Clean washing machine and dryer exhaust
  • Go through food pantry and eliminate expired food
  • Wipe out kitchen cabinets and medicine cabinets
  • Clean clothes closets and donate what you don’t wear
  • Hand clean light fixtures and lamps
  • Test smoke and carbon monoxide detectors

Talk to Your Child about Appropriate Digital Behavior and Content

According to the website,, parents create trust with children by initiating open, honest discussions. These dialogues are an opportunity to communicate values and expectations about your family’s appropriate digital behavior, including viewing or sharing content, and apps they can and cannot use.

Check in frequently with your children about their digital experiences to address any potential risk of cyberbullying and harm. Be clear that your intention is to look out for their wellbeing, and that you want to have an open dialogue. Listen to their concerns and express your perspective.

To minimize the risk of cyberbullying or harm from digital behavior, parents can:

Set clear expectations about digital behavior and online reputation.
Educate about the harmful effects of cyberbullying, posting hateful speech or comments, sexting, and sharing naked photos of themselves or others (including potential legal issues).

Be clear about what content can be viewed or shared.

Identify which apps are appropriate for your child’s use and which are not.

Establish rules about the amount of time that a child can spend online or on their devices.
Model positive, respectful digital behavior on your own devices and accounts.

thanksgiving joke comic


The “Holidays” can be very stressful for many of us as we try to balance our work commitments with additional family obligations, shopping, decorating, etc.

Now is the perfect time to consider simplifying our lives and focusing on living a balanced, joyful life based on core values and goals.

Start by taking control of your mind!  Your thoughts influence your entire well-being to the extent of affecting your health.  Jealousy, bitterness, anger, and worry never improve the quality of your life and do not change the world around you in a positive way!  They only indulge your negativity and only you can change your mind.  I have a wooden sign on my desk simply stating “just let it go!”

Don’t let social media and technology dominate your life.  This “addiction” can profoundly impact your attitude and outlook all the while you have no idea it is happening.  Media can rearrange your values and dominate your life.  The memories and relations you cherish are not from a post on Facebook but from a conversation or shared experience.  As your mind starts to focus on gift-giving and receiving, try to remember that material possessions complicate our lives to a greater degree than we realize.  They can take our focus away from the ones we love and our values by draining our bank accounts, our energy and our attention.

Look forward to our December Newsletter and gift ideas that are priceless.

Important Crop Insurance Dates & Information

The 2018 Farm Bill increased CAT coverage (this is the lowest level of coverage offered by federal crop insurance.  It insures your protection at 50% of your average, at 55% of the price election) from $300.00 per crop per county to $655.00 per crop per county.

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 Closing for apples, grapes, peaches, and cherries is 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  (585 589-6236) if you have any questions.

referral winner

Congratulations Eric McCracken!
Eric won a $50.00 gift card in our monthly drawing.

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

You will also be entered to win a $50.00 gift card in our monthly drawing and a grand prize drawing for an iPad!

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