Caesar Burgers!

So did anyone out there try our recipe for the Caesar burgers? Winnie and Phinn took over as grill masters last night and whipped them up at our house!

To add a little spin on the recipe Winnie and Phinn decided to serve up the burgers up on a slice of toasted baguette and a side of sauteed yellow squash. They were so yummy!! Who says you can't grill in March?? Here are some pictures of the dinner and feel free to share how the burgers worked out at your house!

Until next time...

Community Event!

Happy Wednesday!

Ok we are halfway through the workweek…so time to start thinking about the weekend plans, right?! (haha it’s never too early to have the weekend in mind!)

This weekend at the UNH Whittemore Arena in Durham, NH is the 17^th Annual Seacoast Home and Garden Show. It is Saturday March 26^th from 10-6 & Sunday March 27^th from 10-4. Admission is only $8 for adults and if you check the show’s website there is a coupon for $2 off an adult admission!

http://www.homegardenflowershow.com/index.cfm?fuseaction=seacoast.home

It is a great local show to walk around and get ideas for things to do in your own yard this season. There are over 200 exhibitors so it is the perfect opportunity to meet local businesses and see examples of their work. This year there is an emphasis on updating in an eco-friendly manner. UNH will also have their Annual Greenhouse Open House for tours, plant sales, and informational displays.

I saw a few chances for snow on the extended forecast so escaping to see some beautiful flowers and get my mind thinking about spring projects in the yard will be perfect this weekend!

Until next time…

From the Kitchen!

All the mild weather last week had us grillin' again and we have a wonderful backyard barbeque recipe to share with you from BettyCrocker.com!

Grilled Onion-Topped Caesar Burgers...yum! Winnie and Phinn's mouths water when we fire the grill up!

Bottled Caesar dressing in and all around the burgers is the flavor secret to this great grilled burger

Total Time: 30 min

Servings: 4

Ingredients:

1 lb lean ground beef

2 tablespoons chopped fresh parsley

1/2 cup Caesar dressing

1/2 teaspoon peppered seasoned salt

1 small sweet onion, cut into 1/4-to 1/2 inch slices

1 1/2 cups shredded romaine lettuce

2 tablespoons freshly shredded Parmesan cheese

4 burger buns, split

1. Heat gas or charcoal grill. In medium bowl, mix beef, parsley, 2 tablespoons of the dressing and the peppered seasoned salt. Shape mixture into 4 patties, about 1/2 inch thick.

2. Place patties on grill over medium heat. Cover grill; cook 12 to 15 minutes, turning once, until meat thermometer inserted in center of patties reads 160ºF. Add onion slices to grill for last 8 to 10 minutes of cooking, brushing with 2 tablespoons of the dressing and turning once, until crisp-tender.

3. In small bowl, toss lettuce, remaining 1/4 cup dressing and the cheese. Layer lettuce mixture, burger and onion in each bun.

Enjoy!

Until next time...

Renter's Insurance -- What is it, do I need it, and is my roommate covered?

An alternative to owning your own home is to rent one. It can be a great way to save money towards the future purchase of a home. A typical insurance question that comes up often is do I need insurance as a renter? Also people are curious as to what exactly does the insurance cover, and if their roommate is automatically covered under the policy?

A landlord’s policy typically covers the structural damage to the unit and any liability that arises out of their duties as a landlord. For instance, if they are responsible for maintenance around the property and you get hurt, or the roof caves in, the landlord’s policy would cover this. However, your personal belongings, as well as any liability you assume would NOT be covered under their policy.

A renters policy is a relatively inexpensive policy that provides coverage for your items and liability. Your furniture, electronic equipment, clothes, etc are all protected, as well as if your dog bites someone when they are in your home. (Winnie and Phinn would never do this!) You’re also protected if your negligent and cause damage to the property (fire, water damage, etc) your policy will pay to repair the property.

As far as roommates… the answer we would recommend is to have your roommate purchase his or her own policy, so their “stuff” and liability is covered on their end. You could have them listed on your policy, but it is better they purchase their own. As always, Winnie and Phinn are happy to help explain this to you, but you should always talk to your agent at The Coffey Insurance Agency to discuss the coverage a renter’s policy provides in more detail.

Until next time...

Today in History Fridays!

Winnie and Phinn would like to announce the start of “Today in History Fridays”, a fun, quick history lesson!

On March 18^th in history…

• 1852 – Henry Wells & William G. Fargo begin their company, Wells Fargo & Company
• 1766 – British Parliament repealed the Stamp Act in the American colonies
• 1837 – Future American President Grover Cleveland is born in Caldwell, NJ
• 2002 – After an unfortunate fatal accident at a hockey game, the NHL changed rules to include a net behind each goal to prevent pucks flying into the stands.
• 1925 – The “Tri-State Tornado”, the worst tornado in American history touches down in the Midwest, causing $17,000,000 in property damage and claiming the lives of 695 people.
• 1932 – In Shillington, PA, famous Pulitzer Prize-winning author John Updike is born. His literary works include contributions to the New Yorker, as well as novels Rabbit, Run, Rabbit is Rich, and Rabbit at Rest.

We hope that you will check back in with us every week for some interesting facts you can share!

Enjoy your weekend and this beautiful spring like weather today!

Until next time…

Workers' Compensation - Do I need it?

When you buy a house or a car, one of the first things that comes to mind is purchasing insurance to protect the asset. Included in the insurance is liability coverage to protect against lawsuits for bodily injury or damage that you could cause.

Your business is an asset too and insurance is purchased to protect inventory and business income. The insurance also protects from lawsuits that could come from customers and clients. While focusing on your clients, you might overlook your employees. What if one of them were to get hurt, would your business insurance cover this?

The answer is no. Your business insurance (also known as a package policy or a businessowners’ policy [BOP]) would not protect against workplace injuries. A separate policy must be purchased, known as workers compensation.

This policy provides three sections, 3A, 3B, and 3C. 3A provides medical and disability payments mandated by the state (or states) listed on the policy. The policy also provides lost wages and salaries depending on how long the employee is out of work. 3B provides coverage for if your employee sues you due to negligence on your part (but they can’t collect workers’ comp if they lose the suit) and 3C provides coverage in other states.

Workers’ compensation is a complicated yet important coverage that all businesses should have. As always, you should call your agent at Coffey Insurance to discuss your workers’ compensation policies, and the coverage it provides.

Until next time….

What's a Deductible?

When you look at your policy, you’ll notice that next to the coverage limit, there is a “deductible”. You may be unaware of what a deductible is, so Winnie and Phinn are here to explain what exactly this word means, and how it works with your policy! In addition to your monthly premium, which pays for the insurance contract between the insurance carrier and you, you also have a “deductible” that you pay when you have a loss. When a claim is placed, the insurance company will pay to repair or replace the damaged property, but they’re not going to pay the full amount. The deductible is the amount that you pay out of pocket to eat some of the cost of the claim. For example, if you a fire that causes $100,000 worth of damage in your home, and your policy deductible is $500, the company would pay for $99,500 to repair your home. ($100,000 - $500 deductible). Deductibles are also found in your auto policy as well for the comprehensive and collision sections. Typically the comprehensive deductible is slightly lower than the collision deductible. The higher you make your deductible, the lower your annual premium payment will be, since you are essentially paying for more of the claim. Deductibles can also be found in business and liability policies. These can be a little more difficult to explain, but hopefully Winnie and Phinn have given you an idea of what this term means, and what it does for your policy. As always, you should call your agent at The Coffey Insurance Agency to discuss your deductible, and if you have any more questions regarding it. Until next time…