News You Can Use – November 2021

News You Can Use – November 2021

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News You Can Use

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How to Avoid Thanksgiving Stress  

Are you getting stressed just thinking about the Holiday season approaching? There are quite a few reasons why Thanksgiving may give us the jitters. From the stress caused by having to plan a 3-course meal for 20+ people to being questioned again about how you’ve gained 10 lbs. Fortunately, there are a lot of things you can do to reduce this kind of holiday stress.

Daylight Saving ends November 7.

Plan as much ahead of time as you can  

From getting an early headcount to planning the menu well in advance, you’ll feel much better knowing that you have at least one part of the day under control.  Lists are your best bet to avoid getting stressed out. Keep a master list of everything you need to do, along with smaller daily to-do lists and of course grocery lists. And then of course there’s the “Honey Do” list, which brings us to… ask for help! 

Ask For Help!  

Get your family to help clean and get ready for the big day. They can run errands for you, help set the table, decorate and cook alongside with you. Ask every guest to bring a single dish. With everyone chipping in it will quickly add up. Ask those family members and friends who are “culinary challenged”, to bring some chips, drinks, or even napkins and paper plates. And, get them to help clean up afterwards.  No one expects you to handle everything on your own.

Thankful Book

This idea is to pass a blank book to guests and give them the opportunity to record the past year's blessings and anecdotes.  Each year's entries can be reviewed solidifying our belief that we are fortunate to be sharing another meal with friends and family.

Perfect Turkey

The turkey is the central element of any good Thanksgiving meal. An otherwise perfect meal can be ruined by a dry, overcooked turkey. Since this isn’t something we cook on a weekly basis, it’s not easy to pull off the perfect turkey…unless you follow these tips and the recipe below.

Start with a quality turkey. Yes, you can find off brand turkeys for quite a bit less, but keep in mind that a lot of the pounds you will be paying for will be saltwater that was injected in the turkey. Go ahead and buy the good stuff – You’ll be glad you did when you get all the praises for that delicious bird you fixed.

Thaw the turkey slowly in the fridge. Keep in mind during your planning stage that this will take several days. Doing this instead of submerging the bird in water is much gentler on the meat, resulting in a more tender finished product and is also much safer.

 

When you are ready to cook your turkey, remove the neck, giblets and anything else that may be stuffed in the chest cavity of your bird. Take some paper towels and pat your turkey dry.

Set it in a large roasting pan. If you prefer the breast meat on the dry end, place the turkey on its back. For moister breast meat, turn the turkey breast down.

Cut up a peeled onion, 3 stalks of celery and a few carrots. Big chunks are fine, since these vegetables are just for flavor. Stick them in the body cavity. They will infuse the bird with flavor as it cooks.

Melt a cup of butter in the microwave. Use a turkey baster to baste the turkey with butter. Don’t use all of it, just enough to get your turkey covered. Sprinkle the turkey with salt, pepper and any other seasonings you like.

Cook the turkey in a 325-degree oven. Baste it every 30 – 45 minutes with the juices that collect in the bottom of the roasting pan. Here are some general guidelines for how long your bird should cook: 8 to 12 lbs. 2 ¾ to 3 hrs.

The Downlow on Low (or no) Carb Diets

By Stacia Whitney RD CDN

If you’ve turned on the tv, opened a newspaper or surfed the web, I can guarantee you have heard of or maybe even been convinced to try a low carb diet. This style of diet often called Atkins or The Keto Diet has taken over the diet industry promising weight loss, disease prevention, and more. But what really happens when you reduce carbohydrates in your diet to a minimal level? Are there any risks to such a drastic change in your nutrient intake? Well I am so glad you asked…

Carbohydrates are one of three macronutrients we need to survive, the others being fat and protein. Carbohydrates are broken down into sugars and ultimately get absorbed into our blood where cells can use them as energy. Our bodies are biologically designed to use carbohydrates for energy first, only using fat and protein when carb stores are depleted. This is not ideal as using fat and protein for energy is less efficient and can promote loss of lean body mass (i.e. you may lose muscle instead of the more desirable fat loss.)

An insufficient intake of carbohydrates can also result in lower fiber intake, lower intake of some vitamins and minerals and an abnormal intake of protein and fat foods. The best recommendation an Registered Dietitian or a doctor can give you is to eat 45-65% of your calories from carbohydrates, 10-35% from protein, and 20-35% of your calories from fats. Yes, you read that right: around half of our daily intake should come from carbohydrates. So the next time you feel the pressure to follow the low/no carb trend you can take pride in knowing that eating adequate carbohydrates in your diet is properly fueling and nourishing your body.

Stacia now has limited availability to take on clients this fall for nutrition therapy sessions (via telehealth). If you are interested in the services she provides contact her at stacia.nyd@gmail.com. You can also find more of Stacia’s content on Instagram @dietitian_stacia or on her business Facebook page Nourish Yourself Dietetics LLC.

*This article is not intended for medical advice and is solely to provide education.

What is a certificate of insurance?

Our office produces many certificates of insurance as requested by our clients.  Some clients are unaware of its purpose and implications.

A certificate of insurance is any document that summarizes the terms, conditions and duration of an insurance contract, but it is not the contract itself. The certificate shows what type of insurance is in place at the time it is requested. It does not tell you what is in place a month from now or a year from now. This is why it is commonly referred to as a “point in time” or a “snapshot in time” document. It was originally created to serve as an outline of coverages in place and was used in lieu of producing the entire policy for review.

What can it NOT do?

A certificate cannot alter, amend or change any coverages that are currently in place. No changes can be made to the policy by way of using the certificate to manuscript coverages.

What rights or coverages does a certificate holder have?

A certificate holder only has a contractual right to notice of cancellation, nonrenewal, or any similar notice concerning a policy of insurance if the person is identified and designated within the policy or any endorsement to that policy as an additional insured and that policy or endorsement requires notice to be provided. If a certificate holder is not listed on the policy as an additional insured, the certificate gives no coverage or rights to the certificate holder. The only way that someone can be listed as an additional insured is by endorsing the original policy.

Check out our website www.thesouthcottagency.com for our latest blog detailing Certificate of Insurance verses Additional Insured.

November is National Alzheimer’s Disease Awareness Month

It’s common to experience some issues with memory,
thinking and behavior as we age. However, changes
that interfere with daily life could be a sign of something
more serious, such as dementia.
Dementia is the umbrella term for a person’s decline
in memory and other cognitive abilities that is severe
enough to interfere with daily life. It is not a normal
part of aging. The most common cause of dementia
is Alzheimer’s (AHLZ-high-merz), a progressive brain
disease that results in the loss of brain cells and function.

According to the Alzheimer’s Association, these are warning signs:

MEMORY LOSS THAT DISRUPTS DAILY LIFE

CHALLENGES IN PLANNING OR SOLVING
PROBLEMS

DIFFICULT Y COMPLETING FAMILIAR TASKS

CONFUSION WITH TIME OR PLACE

TROUBLE UNDERSTANDING VISUAL IMAGES
AND SPATIAL RELATIONSHIPS

NEW PROBLEMS WITH WORDS IN SPEAKING
OR WRITING

MISPLACING THINGS AND LOSING THE
ABILIT Y TO RETRACE STEPS

DECREASED OR POOR JUDGMENT

WITHDRAWAL FROM WORK OR SOCIAL
ACTIVITIES            CHANGES IN MOOD OR PERSONALITY

 

The Best Gift You Can Give Your Child is the Gift of Time

 

With schools reopening, we find more time to get extra things done.  Think of ways you can build in more time to spend with your kids.

Here are some ideas:

Schedule a regular family outing. One family goes to a movie on a Saturday afternoon, then stops for pizza on the way home. Another athletic family schedules something active every Sunday. One week, they go for a bike ride. The next week may find everyone inline skating. What you do isn't important - but consistency is. Write down your family outing on the calendar and treat it as an important event.

Find ways for one-on-one time with each child. It is important to have the whole family together. But, it's also important for each child to get some individual attention. One mom takes a different child with her as she runs errands. The reward, a stop for ice cream. Another busy dad gets up early on Saturday and makes breakfast for his son.

Go to your child's activities. When you get a schedule of your child's athletic games or dance performances, write them on the calendar. You don't have to go to every game, but you should be there for most of them. Kids love looking in the stands or along the sidelines to see your face.

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13630 Ridge Road

Albion, NY  14411

Phone 585 589-6236

information@thesouthcottagency.com

www.thesouthcottagency.com

Hours 8:00am - 4:00pm

 

Here are some excellent tips from our Claims Team for Harvest Time:

 With harvest quickly approaching, I’d like to offer some friendly reminders.These reminders will assist us in processing any harvest claims efficiently and effectively and help reduce any possible issues.

Carryover grain MUST be measured by us or a USDA representative PRIOR to the start of this year’s harvest.RMA procedures do not allow for exceptions to this rule!Carryover production that has not been measured will be counted toward the current year’s production.If a measurement is needed, please submit a bin inspection.

Grain must be sold as insured.

Please provide us with your current phone numbers for easy contact

Provide notes on the NOL when submitting a claim detailing the info regarding the loss

Please track production on a unit basis

Claims for production losses should be submitted within 15 days of the EOIP (harvest complete) and revenue losses should be submitted within 45 days of the price release.

If you have any questions or concerns, please feel free to reach out to me at any time!Thank you for your continued partnership with The Southcott Agency Inc.

 

Important Crop Insurance Information

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.

2021 crop insurance premiums have been billed. 

Normally, interest is added 30 days after the original due date.  Under managers bulletin -021-006, referral of interest has been pushed out to 60 days under emergency drought relief.

All premiums are due by that crops termination date;

Apples, Peaches, grapes, cherries, Pears              Nov. 20, 2021

Wheat                                                                          Nov. 30, 2021

Onions                                                                         Feb.  01, 2021

All other crops                                                           Mar. 15, 2022

!!! If you do not pay your premium by that crops termination date,

you are ineligible to your crops insurance 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.

2021 Production  Report & 2022 Acreage Report are due by January 15, 2022.