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Self Driving Cars – They’re Coming!

Experts are saying that within 10 years, driverless cars will be the norm. Here’s how you can profit from it! http://bit.ly/2rUrxpe

At Parmenter Insurance Agency, we have 6 of us working every day for you to make sure that you get the best benefit for your insurance dollars. Please see our Website at plwinsurance.com and also visit our exciting Facebook page! This is another blog that came from Utica. They are one of the many fine insurance companies that we represent.

 

Phubbing: A New Word For Your Vocabulary!

Have you heard this word?  Phubbing (pronounced fubbing), describes the experience of being with another person who is constantly looking at his or her smartphone rather than paying attention to you.  You felt phubbed.  They prefer the phone rather talking with you.

phubbing

The other factor that may cause the person to continually look at the phone is FMO.  (Yep, another acronym which stand for Fear of Missing Out.)  If your friend, spouse, child, or boss is constantly checking the phone for social media updates, for emails or for texts they may be experiencing FMO.  Of course, that is ridiculous.  As you’ve often heard, social media also breeds jealousy of another’s experiences or “perfect” family, or “new” career move that can lead to depression.

Really? Is this where we are?

When I first heard the word phubbing I knew exactly what it meant and felt like.  That is not to say that I’m not quilty as well.  But perhaps we can be more aware of when, how often, and where we use our phones.

By paying more attention to your phone, the person you are with feels left alone, isolated and disrespected.

Now that we know what we do has a name, let’s focus on making some small changes at least.

Are you in?

Your phone is a tremendous resource and tool, so let’s use it for that.  Do you shop from your phone?  Of course you call friends.  Do you facetime to stay in touch with loved ones?

You can use your phone to call Parmenter Insurance Agency to ask a question, get clarification on a policy or request a quote for new policies.  Use your phone as your communication device, not your social life.

We are happy to talk with you or email (if you prefer), but let us get you the best policy for your home insurance, auto insurance, or business insurance needs.

Call us at 877.445.0708.  Please visit our Website at plwinsurance.com.

We’re now on Instagram so Follow us at (instagram.com/parmenterins).

Stay in touch!

 

9 Ways to Deal with the End of Daylight Saving Time

Don’t forget to turn your clocks back one hour Saturday night before you go to sleep. Our annual “fall back” weekend marks the end of daylight saving time.

You will get an extra hour of sleep — which sounds great — but that also means, starting next week, it will be dark when you get out of work!

Don’t let the darkness get you down. Here are some tips to help you adjust and make the most of the time change.

 

  1. Take advantage of the morning light and read a good book.
  2. Fit in a morning workout which will help your internal body clock adjust.
  3. Have a relaxing bedtime routine to help you fall asleep faster.
  4. Take a walk at lunch for fresh air and sunlight to help perk up your mood.
  5. Cozy up indoors and plan special dinners or play board games with the family.
  6. Break out the heavier drapes to keep out the winter chill.
  7. Don’t take long naps during the day which could throw off your internal body clock.
  8. Invest in reflective clothing if you are out running in the evenings.
  9. Eat dinner well before bedtime to ensure a healthy sleep.

 

Daylight saving time ends

At Parmenter Insurance Agency, we have 6 of us working every day for you to make sure that you get the best benefit for your insurance dollars. Please see our Website at plwinsurance.com and also visit our exciting Facebook page! This is another blog that came from Utica. They are one of the many fine insurance companies that we represent.

 

If You’re Cooking, Someone Else Can Handle the Clean-up

Thanksgiving Day is Thursday, November 23. Make note of these tips from the Centers for Disease Control and Prevention (CDC) now to help you know the proper way to thaw, handle, stuff, and cook your turkey.

Thaw – Thaw turkeys in the refrigerator, in a sink of cold water that is changed every 30 minutes, or in the microwave. Never thaw your turkey by leaving it out on the counter.

Handle – Bacteria from raw poultry can contaminate anything that it touches. Follow the four steps to food safety – cook, clean, chill, and separate – to prevent the spread of bacteria to your food and family.

Stuff – Cook stuffing in a casserole dish to make sure it is thoroughly cooked. If you stuff the turkey, do so just before cooking.

Cook – Set the oven temperature to at least 325°F. Place the completely thawed turkey with the breast side up in a roasting pan that is 2 to 2-1/2 inches deep. Cooking times will vary depending on the weight of the turkey.

There’s more. Visit the CDC online.

index Turkey

Coexisting with Bicyclists

coexisting-with-bicyclists

Cycling has grown significantly in popularity over the past decade. Towns across the country are adding bike lanes to their roads to become more bike friendly, and more and more people are ditching their car and using a bike as their primary form of transportation. According to USA Today, larger cities like Portland, Ore., and Minneapolis have more than doubled their rate of bike commuters since 2014 – and as a cyclist, I can’t help but get excited.

Now, with bike riding growing in popularity across the U.S. – it may be a good idea to brush up on some traffic guidelines to avoid any accidents.

When you purchase a bike, you’re likely not required to take a safety class before you ride it. And, for drivers, the instructors touched on bike safety as part of Drivers Ed, but who remembers details from a course they took in their teens?

My point is, adults aren’t given much guidance when it comes to cyclists and cars coexisting on the roads. And as a bicyclist and a driver, I did some research because honestly, I needed a refresher myself.

Safety tips for DRIVERS:

  • Try to be 3 feet or more away from a bike.
  • Try to pass on the left when possible.
  • Blind spots are always lurking, make sure to watch for bikes.
  • Only pass a bicyclist when your passing lane is free and clear.
  • Look in your mirror for cyclists when you’re parking.
  • Always think of cyclists as equals – remember, they have rights on the road too!

Safety tips for BICYCLISTS:

  • Make sure to ride with the flow of traffic.
  • Traffic signs and signals aren’t just for cars. Stop on red to be safe.
  • Use marked bike paths or lanes if they’re available.
  • Use your arm to make turn signals and take advantage of turn lanes so cars are aware of what you’re doing.
  • Consider using a mirror to monitor the cars behind you.
  • If you’re riding at night or in a storm, make sure to use some sort of flashers.
  • Watch for parked cars.
  • And most importantly – stay alert at all times.

If you’re unsure about your city’s or state’s traffic laws, it doesn’t hurt to look them up beforehand. No matter what you drive, be sure to enjoy the roads out there safely!

At Parmenter Insurance Agency, we have 7 of us working every day for you to make sure that you get the best benefit for your insurance dollars. Please see our Website at plwinsurance.com and also visit our exciting Facebook page! This is another blog that came from Foremost. They are one of the many fine insurance companies that we represent.

It’s A Scary Time of Year.

Scary Out there Blog

Actually it is a busy time of year and we want to make sure you are well prepared for your many activities.

Don’t you enjoy the autumn weather and activities with the family and kids?  Some of the activities you may find to do around here include:

 

 

  • Apple-picking and visiting pumpkin patches

 

  • Hiking trails

 

  • Historical Tours

 

  • Visiting Craft Shows

 

  • Attending County Fairs

 

  • Enjoying music and farmer’s market festivals in town

 

  • School Carnivals and fund raisers

 

  • HALLOWEEN

 

Having a SAFE HALLOWEEN is important for your children and you.  Several tips to make sure you do all you can for safety.

 

COSTUME SAFETY

 

Because you will be walking on dark sidewalks or roadsides, having your costumes reflect light is vitally important.  Dress the kids are in brightly colored costumes and even put reflective tape on their candy bags and buckets.  Make sure you and the kids can see well out of any facemasks.  Looking both ways is so necessary to protect you.

 

TRICK or TREATERS (or any visitor for that matter)

 

If you are receiving guests at your home, are your pathways, steps and porches well lit?  Secure your pets so they cannot escape an open door or through the fence.  Lights, lights, lights for safety.

 

TRAVEL IN GROUPS

 

It’s more fun anyway when you get to Trick or Treat with your friends.  It is safer to walk in neighborhoods and approach doors with a group. (not too big, please).  Parents please stay within ear and eyes of your children as they go to doors.  Do you know whose home you are visiting?  If not, it is extra important to be in sight of the home’s resident.

 

PUMPKINS

 

Carving pumpkins is a fun activity for kids and there are many templates to make really cool pumpkin faces. However, please be aware that young kids do not need to use knives and most kids need supervision anyway!

 

DON’T RISK EATING THE CANDY UNTIL YOU GET HOME

 

While it is a sad state of affairs that we as parents have to check the candy our children receive, you must do it.  DON’T risk letting them eat some harmful substance while you are out and about.  (Of course if you know the owner who gave the candy, and you feel safe about it, no problem!)

 

What does all this have to do with insurance?  Only that you are why we do business and we want you to have a healthy, safe and fun time with no troubles.

 

CALL Parmenter Insurance Agency if you need us!  We help you choose the right insurance policy for your home, your cars, your business, or life.

 

Find us on Facebook, the website or call us at 877.445.0708.

 

 

 

 

 

Kitchen Organization Tips

Is your hard-working kitchen getting cluttered and unmanageable? If you need more storage, but every cupboard, shelf, nook and cranny is filled, it’s time to take a second look at your use of space. Chances are you can reorganize and reclaim more storage than you ever thought possible.

Well-planned cabinets, drawers and shelves maximize space, save steps and eliminate frustrating searches for necessary kitchen tools and gadgets. An organized kitchen doesn’t cost a lot of money, but does require a practical plan to keep items handy and easy to reach. Here are a few ideas to help make efficient use of your kitchen space and create some new storage areas as well.

Clear the Clutter

Your kitchen holds an awesome amount of stuff. The more stuff you collect and store in the kitchen, the more you have to manage. It makes sense to get rid of anything you don’t need or want anymore. Reducing clutter is a must. If you do nothing else to organize your kitchen, do this.

A well-designed, folding step stool is an indispensable tool for your reorganizing strategy. Choose one that helps you access storage space without requiring much of its own. Be sure it’s sturdy and can easily hold your weight while you’re stretching and reaching into upper cabinets, shelves and closets.

Pick a starting point and begin at the top. Work one shelf, cupboard or drawer at a time and remove everything you find. Most items you run across will require a decision, so group your “stuff” into categories. For each item, ask yourself:

  • When was the last time I used this?
  • Do I want to keep it?
  • Donate it to charity?
  • Save it for a yard sale?
  • Transfer it to another area of my home?
  • Throw it away?

Create separate stacks for each category and stick to the plan.

Remember these tips:

  • Put dishes, pots and utensils you use every day into one stack where they can stay until you are ready to reorganize the kitchen.
  • Place items to be banished from prime kitchen space, but are still too good to throw away, into another stack. For example, pans you don’t use, dishes you don’t like and specialty cooking tools that are more trouble to clean than to use can all be given to a friend or neighbor, donated for the church bazaar or put away for your next yard sale.
  • Round up the stray “stuff” that ends up in the kitchen when it really belongs in other areas of your home. Put them into another stack to be redistributed.
  • Throw away any broken or chipped dishes or glasses, lids without bottoms, canned or packaged goods that have expired or look past their prime. If you can’t remember when you bought a cake mix, or how long the spices have been on the shelf, throw them out. Discard any swollen or old cans, and donate canned goods you won’t use to a food bank.

Look For Extra Storage

To make the most of potential kitchen storage, think beyond the individual cabinets, shelves and closets to every available inch. A careful inventory of existing space can help you plan how to use it effectively. Start your planning process by searching for unused or underused spaces. Examine all surfaces, including the area above or below appliances, behind doors and unused floor space. Grab a notebook and pen and make a list of any potential storage spots or areas that can be better organized.

  • Make the reorganization of shelf space, cabinets and drawers your next consideration. Visit a home center or discount store to find new ways to increase your kitchen storage. For example, buy different sized stacking platforms and place them in taller shelf spaces to save room, or install pullout shelves or baskets that can utilize all the space in a cupboard. Transform a jumble of pan lids by mounting lid racks on cabinet doors.
  • Reclaim your wasted drawer space by inserting compartmentalized organizers. Put together drawer partitions of various shapes and sizes inside wide drawers or stack two in deep drawers. Turntables and other handy cabinet organizers not only store things in their correct places, but also make them much easier to reach. Use products such as racks for glasses and hooks for cups to maximize every bit of cabinet space.
  • Corner base cabinets are notorious for dark, difficult-to-reach corner space. The most common solution to maximize accessibility and storage in a corner cabinet is to install a lazy Susan. Choose from a full turnaround in which the entire interior of your cabinet revolves, half-moon pullouts that rotate on a pivot or half turns that are a fixed semicircle. You can set a lazy Susan on fixed shelves as an independent unit, or install it on a center pole that pivots.
  • Individual turntables are perfect for organizing and storing spices. Just a small twist of the wrist puts each spice at your fingertips when they are placed on either a single or double-tiered turntable. Turntables can be used inside cabinets or on your counter top. You could also add a narrow shelf along one wall at eye level for spice jars, sauce bottles, salt and peppershakers or other small items that require quick and easy access.

These quick and simple pointers will also help you gain extra kitchen storage in unexpected places:

  • Mount under-cabinet racks to display your prettiest stemware or teacups. Paper plate holders, electric can-openers, automatic coffee makers, or even a small TV can also be mounted beneath cabinets to provide extra room on your countertops.
  • Reduce paper clutter by hanging a bulletin board on unused wall space. Don’t overlook the insides of cabinet doors to display your most used phone numbers, recipes and emergency information.
  • Buy a butcher-block cart on wheels for moveable storage from a home center or discount store. This handy “island” is a good place to store small appliances or baking equipment.
  • Use a muffin tin filled with small kitchen odds-and-ends as a drawer divider.
  • Hang potholders and dishtowels on a section of wood trellis or weathered wooden stepladder that has been securely attached to an unused wall. Or, install a hat rack at the kitchen door for shopping bags.
  • Use your oven for hiding seldom-used pots and pans, but remember to remove them before turning on the oven.
  • Install a series of corner shelves to hold collectibles or cookbooks.
  • Hang a graduated trio of wire baskets from a kitchen ceiling corner and fill with fresh fruit and vegetables.

Get Reorganized

Now that you’ve cleared out the clutter and discovered a few new storage areas, it’s time to take your final step toward creating an efficient, well-organized kitchen. Think of your kitchen as a single room with three separate work centers: preparation, cooking and cleanup. Keep in mind where, what and how you use an item before you put it back into each cabinet or drawer.

Easy access and return is important. If you can get to something and return it to its designated space without a hassle, the chance of your kitchen staying organized is greater. Here are a few ideas to get you started:

  • Place food supplies and cooking utensils as close as possible to the area where you’ll use them most.
  • Save easy-to-reach shelves and cupboards for items you need every day and store items used less frequently on top shelves and out- of-the-way places.
  • Put pots, pans and other cookware such as griddles, casseroles and other specialty cooking dishes near the range or oven for easy access.
  • Stack saucepans by size with lids in a rack alongside them. Place large pans and skillets in a nearby cabinet.
  • Store baking sheets, muffin tins and cake pans in a cabinet next to your oven or in a cabinet beneath a built-in oven. Arrange them by size and those used most often. A rack works well to store baking sheets on their side.
  • Stack mixing bowls by size and store in the cabinets or drawers where you do most of your food preparation.
  • Keep large knives, spoons, spatulas and other preparation tools in a top drawer near the dishwasher and counter where you prepare food.
  • Store staples such as flour, sugar and spices near your food preparation area.
  • Locate flatware, dishes and glasses near the dishwasher so you don’t have to haul them across the kitchen to put them away.
  • Put cleaning supplies, the wastebasket and kitchen linens closest to your clean-up areas like the sink and dishwasher.
  • Place microwave containers in the cabinet nearest the microwave oven along with leftover storage containers.

How to Arrange a Food Pantry

When your pantry or food storage cabinets become packed with food that isn’t sorted or organized, you will eventually have a huge mess on your hands. The pileup of ingredients can be avoided without spending a lot of time or effort. It just takes about an hour from start to finish.

Start by emptying pantry shelves and moving everything to boxes or a nearby countertop. Clean shelves with warm, soapy water and wipe dry. Before you put things away, think about how you will fill prime and non-prime spaces. For example, prime, eye-level shelves should be reserved for your items used most often.

  • Store canned vegetables, fruits and soups together, organized by contents, for quick access.
  • Keep all baking ingredients together on one shelf, such as flour, sugar, baking soda and baking powder. Cake mixes, muffin mixes, Jell-o and pudding mixes go on the same shelf with baking ingredients.
  • Place pastas, rice and boxed quick meals together on another shelf.
  • Designate a lower shelf for paper storage, then place napkins, paper towels and plates together.
  • Keep heavy items, such as soda bottles, on a lower shelf.
  • Place smaller items in a shoebox or plastic container that keeps them easy to find.
  • Put single ingredients like dried beans, rice, and noodles in clear containers or canisters so you can easily find what you are looking for.
  • Rotate dried and canned goods, using those with the closest expiration date first.
  • Throw out old food or items you aren’t likely to use again.
  • Keep your pantry organized by putting things back in the spots you’ve designated for them.

At Parmenter Insurance Agency, we have 6 of us working every day for you to make sure that you get the best benefit for your insurance dollars. Please see our Website at plwinsurance.com and also visit our exciting Facebook page! This is another blog that came from Foremost.  They are one of the many fine insurance companies that we represent.

Being Careful During Fall Weather Can Determine Whether You Fall

No matter what part of the country you’re in, here are some slip, trip and fall prevention tips we can all keep in mind as autumn conditions – including less daylight, wet and blowing leaves, and cooler temperatures – take hold.

  • Wear non-slip footwear. Avoid boots or shoes with high heels. Leather soles offer little traction when wet.
  • Plant your feet firmly on the ground while exiting your vehicle.
  • Walk slowly in parking lots, even if you are running late. A slip-and-fall will make you even later or possibly send you to the emergency room.
  • Minimize the number of bags or items you carry. Several bags and heavy items can alter your balance.
  • Be aware of your surroundings. If at the office, report unsafe conditions, whether they are inside or outside, to security or a designated property manager.

What tips can you add to the list?

Yellow wet floor sign on isolated white background

At Parmenter Insurance Agency, we have 7 of us working every day for you to make sure that you get the best benefit for your insurance dollars. Please see our Website at plwinsurance.com and also visit our exciting Facebook page! This is another blog that came from Utica.  They are one of the many fine insurance companies that we represent.

3 Things to Do When Daylight Saving Time Ends on Sunday, November 5

1. Turn back your clocks 1 hour. (Don’t worry. You can do this before 2:00 a.m.)

2. Change the batteries in your smoke detectors, carbon monoxide detectors, flashlights and other such devices.

3. Enjoy your extra hour!

index Clock

At Parmenter Insurance Agency, we have 6 of us working every day for you to make sure that you get the best benefit for your insurance dollars. Please see our Website at plwinsurance.com and also visit our exciting Facebook page! This is another blog that came from Utica. They are one of the many fine insurance companies that we represent.

Bacon – Bacon – Bacon

Okay, insurance is sometimes boring. Okay, a lot of the time insurance is boring.  We agents tend to focus on the computer screen, charts, tables, fine print, contracts, and many more documents that do not make the Best Seller List.

We also have families, grandchildren, own cars, homes, boats and enjoy our hobbies as do most of our clients.

With that said, I thought today would be a fun day to offer you a blog with a recipe.  What? A recipe from my insurance agency?  Well Bacon is a hot topic in blog land.  Lots of people (and doggies) are crazy for bacon.

With Thanksgiving just 1 month away, you may want to plan what you are taking to your family’s covered dish meal.  I did a search on bacon and saw lots of recipes that you may enjoy.  Here’s one that could be for a family supper or you could take to a covered dish!

WooHoo – See if you like it.  You will notice it is not necessarily diet friendly, but oh it is so yummy and it doesn’t take too long to prepare it.

Chicken – Broccoli – Bacon- Cheese  

 Ingredients:

4 thin sliced chicken breasts

1 tablespoon olive oil

2 cups broccoli florets, blanched, chopped

6 bacon strips, cooked, chopped

1/3 cup shredded Mozzarella cheese

1 cup shredded Cheddar cheese

Directions:

Preheat Oven to 400 F

Grease the bottom of the casserole dish with olive oil.

Add chicken breasts to the casserole dish.

Sprinkle chicken breasts with salt and pepper.

Place chopped and blanched broccoli florets on top of chicken

Cover broccoli with chopped cooked bacon.

Top with shredded Mozzarella and Cheddar cheeses

Bake, uncovered, for about 20-30 minutes, until the chicken is cooked through. The cooking time will depend on the thickness of your chicken breasts.

Eating-in certainly saves your family money and even time if you prepare in advance.  It seems in our busy lives finding time to think about, shop for and prep our family’s meals is an overwhelming task.

We hope you find this recipe useful, or if not, at least you got a chuckle out of an insurance company posting about bacon.  LOL.

BaconChicken

When it’s time to focus on your family’s insurance needs, be sure to contact Parmenter Insurance Agency for matching the best insurance company to your family’s needs.

Call 877-445-0708 to actually talk with one of our professionals. Or visit our website (http://plwinsurance.com)

 Join us on Facebook and Instagram.

 

5 Smart Ways to Keep Halloween Fun

Halloween is October 31, but celebrations in your community might take place the weekend before. These tips from the Centers for Disease Control and Prevention can help keep the festivities safe and fun:

  1. Provide healthier treats for trick-or-treaters such as low-calorie treats and drinks. For party guests, offer a variety of fruits, vegetables, and cheeses.

    2. Use party games and trick-or-treat time as an opportunity for kids to get their daily dose of 60 minutes of physical activity.

    3. Be sure walking areas and stairs are well-lit and free of obstacles that could result in falls.

    4. Keep candle-lit jack o’lanterns and luminaries away from doorsteps, walkways, landings, and curtains. Place them on sturdy tables, keep them out of the reach of pets and small children, and never leave them unattended.

    5. Remind drivers to watch out for trick-or-treaters and to drive safely.

index Halloween

At Parmenter Insurance Agency, we have 6 of us working every day for you to make sure that you get the best benefit for your insurance dollars. Please see our Website at plwinsurance.com and also visit our exciting Facebook page! This is another blog that came from Utica. They are one of the many fine insurance companies that we represent.