Wednesday, January 30, 2013

Super Bowl Fun Facts


In gearing up for the Super Bowl, we thought we would share some weird Super Bowl facts to keep you entertained.  On game day, be sure to throw a few of these useless informative facts out there just for fun.

1. On the Monday following the Super Bowl, on average, 6% of the workforce calls in sick to work. While it is often assumed that people are just faking, in reality, quite a few are actually sick – usually from overdoing it with the food, drinks or both.

2. Super Bowl Sunday is the second leading day for food consumption in the U.S., the first being Thanksgiving according to the USDA

3. The sale of antacids goes up by nearly 20% the day after the Super Bowl.

4. Chuck Howley of the Dallas Cowboys was the first defensive player ever named Super Bowl MVP and he was also the first player to be named a Super Bowl MVP from the losing team.

5. The first celebrity to perform at halftime during the Super Bowl was Carol Channing in 1970.
She sang a tribute to the City of New Orleans

6. According to the Insurance Information Institute, there are more alcohol related accidents on Super Bowl Sunday than any other day of the year aside from St. Patrick’s Day.

7. It is estimated that 35% of all Super Bowl tickets that are sold are written off as a corporate expense.

8. 72 footballs will be on hand for use during the Super Bowl.

9. The toilet is flushed more times during halftime of the Super Bowl than any other time of the year.

10. The average number of people at any given Super Bowl Party is 17.

11. 1.23 billion Chicken wings fans will be enjoying more than 100 million pounds of chicken wings on Super Bowl Sunday according to the National Chicken Council.

12. 9 out of 10 watchers are going to be at a home this Super Bowl, either their house or someone else’s house.  Boy that’s a lot of Super Bowl parties.

13. 11.2 million pounds of potato chips will be consumed during the televising of the big game.  But all those chips come with a price. Those many bags of chips will account for 27 billion calories and 1.8 billion grams of fat. Those grams of fat all add up too – it’s equal to four million pounds of fat nationally.  Information provided by Calorie Control Council and Snack Food Association.

14. 51.7 Million Cases of beer are sold to quench Super Bowl fan’s and help wash down all the food eaten on this day.

15. The first Super Bowl Rings were given to the winning team in the first Super Bowl played in 1967, the winning team……. The Green Bay Packers.

Monday, January 28, 2013

The Good and Bad of Credit Scoring


Most people are aware that one of many underwriting factors used in determining one's actual auto or homeowner insurance rate is credit scoring.  What many do not know is that a good credit score helps to lower your insurance cost.  The Insurance Information Institute, according to a recent article from Safeco Insurance, indicates that upwards of two-thirds of policyholders have a lower premium because of good credit.

The bad side of credit scoring is that the other one-third of policyholders have higher premiums due to their credit history.  The remedy is obviously trying to improve your credit in the future to more favorably affect your insurance premiums.

So, the next time you receive the privacy notice from your insurance company indicating that your credit score has affected your insurance premium, do not think that this is a bad thing.  You are most likely in the two-thirds of those policyholders who are getting better premiums because of good credit.


Frank Zimmerman

Thursday, January 24, 2013

To Your Health.........

We are a society that is constantly on the go.  Between getting the kids ready for school, going to work, doing the grocery shopping, running to our children's events, sports events, taking care of the house, etc. we, often times, neglect our bodies and don't eat right or exercise.

During the cold winter months, taking care and eating right are increasingly more important.  However, that is the time we usually run through a drive through, go home and curl up with a blanket because it is just too cold to do anything.

With the Flu and illness on the rise, hospitals and doctors offices are feeling the stress of treating an overwhelming amount of patients these days.  Your health begins with you.  Eat right, exercise, rest an adequate amount and you will be stronger to ward off illnesses.

Each one of us has a unique sleep requirement but our sleep needs depends upon age, sex and various genetic factors.  On average, the human body (depending on age) will require between 7-9 hours of sleep a night.  Sleep recharges the body.  Much like a laptop computer, you can only run it so long before the battery fails and you need to plug it in to recharge it.  The human body requires rest to recharge.

We all hear about how we need to eat a balanced diet but how many of us who are on the go all the time actually eat balanced and healthy foods? Our friends at www.helpguide.org have some easy tips for planning a healthy diet and will help make it easier for you to stick to a healthy way of eating.  "An apple a day keeps the doctor away" isn't far off.  Healthy food increases the bodies ability to ward off virus'.

Exercise is something we all need but many lack.  In fact, for some, the most exercise they receive is running the other way when someone mentions the mere idea of exercise.  Did you know that after age 34 the human brain can lose up to 7,000 brain cells per day?  Did you know that exercise is what allows the brain to replenish those lost brain cells?  Drinking and smoking increases the number of lost brain cells.
So, lets provide you with some simple, no equipment exercises that you can do to help you on your way to a healthier you.  RealAge.com will provide you with some simple workouts that just about everyone can do and there is no equipment required, so don't feel like you have to run out to get that gym membership started.

I would like to leave you with a recipe that is great on these cold days and is good for you too.


TORTILLA SOUP from Eva Longoria's cookbook

I use between 4 to 5 pounds of skinless boneless chicken thighs (original recipe calls for 4 pounds chicken legs and 4 pounds chicken thighs)
12 cups cold water
4 dried pasilla chiles
4 dried ancho chiles
6 tomatoes, chopped
1 large white onion, diced
6 large garlic cloves, peeled
2 teaspoons kosher salt, or to taste
2 large bunches of fresh cilantro, leaves chopped
-------
For serving:
36 white or yellow corn tortillas, sliced into 1/4 inch think strips I personally like to use flour tortillas instead
1 head iceberg lettuce, cored and shredded
6 large avocados, pitted, peeled, and diced
A little more chopped fresh cilantro

1) In a large stockpot, place chicken legs and/or thighs in cold water. Bring to a boil over medium-high heat. Reduce the heat and simmer until the chicken is opaque throughout and tender when pierced with a fork, about 30 min. With a slotted spoon remove the chicken from the pot an set aside to cool. Set aside the stockpot of broth. As soon as the chicken is cool enough to handle, pull off and shred the meat; discard skin and bones (which you don't have to worry about if using skinless, boneless).

2) Place the pasilla and ancho chiles in a medium saucepan, add cold water to cover. Bring the water to a boil over medium heat. Reduce the heat and simmer until the chiles are soft, about 10 min. Drain the chiles and remove their stems and veins. If you want a spicier bite, keep the seeds; if not, removed the seeds as well.

3) In the food processor, place the chiles  tomatoes, onion, garlic, and salt. (reduce the salt if doctor recommends a low salt diet) Process until smooth, adding a 1/2 cup of the reserved chicken broth to loosen the mixture if it is too thick.

4) Stir the chili puree and half of the cilantro into the broth. Bring to a simmer over low heat, and simmer for 20 -30 min. Taste and add salt if needed (we never do). Stir in the shredded chicken and the remaining cilantro and remove the pot from the heat.

5) Original recipe calls for frying the tortilla strips for 45 seconds. Baking them in the oven will cut down on the oil simply by lining a baking sheet with the strips of tortillas, brush lightly with olive oil if you'd like, bake in oven 350 degrees for just a few minutes. Check them often and take them out when they seem to curl up and get crisp.

6) To serve, put a few tortillas strips and a big scoop of lettuce in a soup bowl. Ladle the soup into the bowl. Top with avocado and more fresh chopped cilantro, and enjoy!



Mars Insurance wishes you a Happy and Healthy day.

Monday, January 21, 2013

Alcohol and Tobacco Risks for Head and Neck Cancer

While tobacco and alcohol use are the main causes of head and
neck cancer, other risk factors include viral infections, sun exposure
and inhalation of carcinogenic materials.


The most common is cigarettes, but chewing tobacco has been gaining popularity, especially among young users. Although users of cigar and pipe tobacco tend not to inhale the carcinogens into their lungs, they are still at risk for lip, mouth, tongue, and throat cancers.


The use of chewing tobacco has tripled over the last 20 years, with a third of the users under age 21. Prolonged use increases the cancer risk five times when compared with a non-tobacco user. When heavy alcohol and tobacco are used together, the combined effect may increase the risk 100-fold. 75 to 80 percent of cancer cases are the result of heavy tobacco or alcohol use.


Risk also increases with age and is more often seen in men than in women. Malnutrition and vitamin deficiency can also make a person more susceptible to these types of cancer. Many believe that good oral hygiene helps prevent head and neck cancers. Genetic factors have been investigated as a cause, though head and neck cancers are not believed to be hereditary.

Information provided by : "Cure" Cancer Updates, Research  & Education

See the contents of the chemicals within a cigarette at http://www.quitsmokingsupport.com/whatsinit.htm.

Life insurance premiums are higher for individuals using tobacco.
On average, the following table depicts how much more this age group will pay for Life Insurance if they use tobacco.

Age 20 - 25% higher premium
Age 30 - 50% higher premium
Age 40 - 100% higher premium
Age 50 - 250% higher premium
Age 60 - 250-500% higher premium
All numbers are approximate

Tuesday, January 15, 2013

Why Do You Need an Umbrella Policy?


An Umbrella policy provides liability coverage beyond the limits of your auto and and homeowner's insurance.  An Umbrella policy kicks-in once you have exhausted the liability coverage under your home or auto policy.  For example; if you have a homeowner's policy with a $300,000 limit of liability and a $1,000,000 umbrella policy, you would have a total of $1.3 million in liability coverage.  Why would you need so much coverage you ask?  Even if your net worth is less than $1,000,000, in the event of a claim resulting in a lawsuit you could be ordered to pay based on your current assets as well as future earnings. An umbrella can also cover your defense costs.

Parents of youthful or inexperienced operators may want to consider purchasing an Umbrella policy.  Have an inexperienced driver in your household can substantially increase your liability exposure.  As a parent and policyholder you can be held liable for injuries or property damages caused by your teenage driver.  It's important to have adequate coverage for a serious accident.

An Umbrella policy can be an inexpensive way to cover your assets.  The cost of an Umbrella policy can vary per risk, however someone who owns one home and two cars might pay an average of $150 for a $1,000,000 Umbrella policy.  Additional limits of $2,000,000 and up are available with most carriers for an additional premium of approximately another $100 per million.  If you break the annual premium down $12.50 per month seems like a small price to pay for an additional $1,000,000 worth of liability coverage.

Thursday, January 10, 2013

Insurance Explained

Happy 2013!


We thought we would start off the New Year explaining the general principles of insurance.

Many people wonder why rates continue to go up when they have not had a claim; therefore we would like to explain the logistics of insurance.

Imagine a giant swimming pool; Insurance is much like that giant pool.


Looks refreshing doesn't it?

When you purchase a policy you are paying into that pool.
If you file a claim against your insurance policy because a roof has been damaged or a car was hit, the claim is being paid out of that pool rather than from the money you have paid in for your premiums.

In addition to that very few people stay with the same company for any extended period of time so you are starting over in a different pool every time you switch companies.

Say a neighborhood of 100 houses is hit with hail damage and they all need their roof replaced. Each roof may cost $18,000 to replace…that means one neighborhood in the U.S. could cost insurance companies $1,800,000 for one storm. Usually these storms hit several neighborhoods in any given region. Millions upon millions of dollars are paid out for just one storm.

Over the course of one’s life, it will take a long time to pay $18,000 in insurance premiums to account for the value of a roof replacement. Example: if your homeowners premium is $1,000 a year, it would take 18 years to pay enough premium to pay for the roof replacement that was claimed on your policy.

Because of the high rate of storms we have had in 2011 and 2012, insurance companies have needed to increase premium rates to be able to cover everyone within the "pool" mentioned above which we all share.

It may be very frustrating and inconvenient but we can all find comfort in knowing that if we get hit with some bad luck we will have insurance to fall back on. Insurance is there for those catastrophic losses.

We hope this has shed some light on the operations of insurance companies.

As always, if you have any questions or need clarification we are always willing to talk to you!

We at Mars Insurance hope that 2013 will be your best year yet!



Mary K. Marsh

Mars Insurance Agency Inc

Thursday, January 3, 2013

How Are Your Winter Driving Skills????


Driving during the winter takes specialized skills  in order to stay safe.  While the seasoned driver  may feel as if driving  in the winter months is common sense and second nature, a newer driver may not be aware of what to do to avoid an accident.

Test your knowledge for winter safety........................

WINTER DRIVING SAFETY QUIZ (answers at end)

1.  Hydro-planing is caused by:

     A.  Water spray from other vehicles

     B.  Lack of windshield wiper fluid

     C.  Driving too fast on wet roads

     D.  Icy roads

2.  While water turns to ice at 32 degrees Fahrenheit, ice can form on roadways when the air temperature is above 32 degrees.

     True

     False

3.  The first winter storm of the season is considered by many to be the most dangerous because:

     A.  Many motorists are not prepared for winter weather.

     B.  Emergency crews may not be prepared.

     C.  You may not be accustomed to driving during winter weather conditions yet.

     D.  All of the above.

4.  It is beginning to snow and the roadway is almost snow covered.  Any delay could cause you to miss your appointment.  What should you do?

     A.  Move to the left lane to pass slower traffic.

     B.  Find somewhere safe to park and call ahead to let others know you will be late.  Continue driving  
          cautiously  if it is safe to do so, or stay put until conditions improve.

     C.  Convoy with four-wheel drive trucks that drive fast.

     D.  Take an alternate rout with less traffic to slow you down.

6.  You are at a four-way stop.  The roadway is snow covered and icy.  You have the right of way and proceed into the intersection as a vehicle approaches from the right.  The other driver is unable to stop and hits your vehicle in the intersection.  This accident is:

     A.  Preventable because you failed to anticipate that the other driver may have difficulty stopping.

     B.  Non-preventable because the other driver failed to stop.

     C.  Non-preventable because the other driver did not anticipate ice at the intersection.

7.  Steps to reducing weather-related accidents include:

     A.  Reducing speed

     B.  Increasing following distance

     C.  Turning and braking carefully on slippery roads

     D.  All of the above

8.  Ice forms more readily in the following areas:

     A.  On bridges and overpasses

     B.  Shaded areas

     C.  At intersections

     D.  All of the above

9.  During severe, adverse weather, such as heavy snow, glaring ice, torrential rain. or very strong winds, you should:

     A.  Follow the vehicle in front of you.

     B.  Find a safe place to park and wait for conditions to improve.

     C.  Wait for a police escort.

     D.  Block the roadway to stop traffic.

10.  To increase visibility during adverse weather conditions, you should:

     A.  Flash your headlights.

     B.  Turn your four-way flashers on.

     C.  Turn your headlights on.

     D.  All of the above.



Answers:  1 = C, 2 = B, 3 = T, 4 = D, 5 = B, 6 = A, 7 = D, 8 = D, 9 = B, 10 = C.

Drive cautiously and defensively!!!

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