In most aspects of life there exists insurance to help in protecting assets in the case of damage or unfortunate loss. When it comes to farms this is no exception; however, the typical business insurance or ordinary car insurance will not meet the bar when it comes to insuring the farm and tractors. It is advisable that if your business is farming or you are thinking about purchasing a weekend farm getaway that you consult with an insurance professional with experience in farming.
There is a famous saying that “knowing is half the battle,” so our goal is to review a few areas that have specific insurance needs. This way when you meet with an insurance professional you can get on the right track. As a general rule farm property is covered under specifically qualified policies to include farm machinery, livestock, farm trailers and even irrigation equipment. Depending on the coverage there may even be automatic coverage for new equipment up to $100,000 for the first 60 days – similar to a new born child being under the parents insurance until the child is individually registered. There are other types of equipment such as antennas and satellite radio devices typical on farms in extremely rural areas. In addition to coverage for these types of items there are other optional coverages that should be considered.
Depending on the exact type of farm things like chicken coups, silos, fences and feed racks have the ability to be covered under a farm policy. For those living in the city the details of a chicken farm and the equipment to keep it functioning are just not a reality. However for the farmer, these are essential aspects to their daily life. This is precisely why insurance companies carefully address all the details involved in farm life. Additional coverages are even defined as to the type of use of the equipment, because farm life can vary drastically.
One of our insurance professionals will review your farm and equipment to explain all available coverages and its intricacies.
Content provided by Transformer Marketing.
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One of the most troublesome environmental issues is water shortage. As the population increases, industries develop, and weather patterns change, the issues of water shortage become more prevalent. The agricultural industry requires a tremendous amount of water to operate and it is in the top industries for water consumption. Everyone knows that crops require soil, sun, and water. In some cases of hydroponics soil in not even utilized, it is solely reliant on water. Since an industry is hinged upon the variable of the existence of water, the insurance industry has developed a form of protection for those in the agriculture industry – agricultural insurance.
Crops are the predominate victim in a water shortage and depending on the crop will determine the sensitive to water issues. Farmers should immediately discuss the specifics of crop insurance to account for potential water shortage issues. Typically, the farmer must select the percentage of the crops covered and at a specific price point. A common range can vary from 50% – 85% of a crop. In order to meet necessary criteria for each crop, there are guidelines specific to time of year, type of crop, and deadlines to applying to obtaining coverage. This is a simple process, but because there are many intricacies it is always advisable to connect with and insurance expert to help navigate individual needs.
The reason for the many variations and deadline surrounding crops is directly connected to the federal laws and regulations that spearheaded the industry to protect farmers and food protection in the United States. Some of the information that is weighed when obtaining the right coverage for water shortage risk are things like the type of harvest, production history, yield, and environmental history. These factors are important in determining type of policy and when reporting of water shortage damage. A specific accounting and log of crop damage is vital to maintaining in line with an agricultural policy, due to the already sensitive nature of crops.
Don’t make the mistake at going at this alone. Contact one of our agents today.
Content provided by Transformer Marketing.
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When you smoke, your risk of developing lung, throat and mouth cancers as well as heart disease, stroke and diabetes increases. You also may experience shortness of breath and increased life insurance premiums. Up to 480,000 people die each year from the effects of smoking, but you can quit. Try four holistic methods as you seek to improve your health today.
1. Exercise
Sweat out the buildup of nicotine in your body, relieve depression and reduce boredom when you use exercise to stop smoking. Whether you run, swim, walk or try a different sport, the physical activity increases your odds of quitting.
2. Limes
In addition to flavoring entrees and beverages, limes boost your immunity and decrease your body’s acidity. Use them to quit smoking when you cut the quarters of a lime into quarters. Chew on one small piece, skin and all, whenever you feel a cigarette craving.
3. Self-Massage
Professional massages relax your body and your mind, which helps you handle nicotine cravings. However, you don’t have time for a full-body massage every time you want to smoke. Instead, learn self-massage techniques that are easy to perform multiple times a day.
*Use your right thumb and slight pressure to draw a circle in the palm of your left hand. Switch hands frequently.
* Massage each finger gently from bottom to top.
*Rub your ear lobes in circular motions.
4. Meditate
Reduce tension, stress and anxiety caused by nicotine withdrawal when you meditate. Start by lying down on your back and breathing deeply from your abdomen. Envision yourself cigarette-free and healthy as you exhale and inhale. Spend 15 minutes meditating, and your entire body will be calm and relaxed.
Smoking increases your risk of developing a number of deadly illnesses and diseases. It also affects your ability to afford beneficial life insurance coverage that gives your family peace of mind and financial security. Use four holistic methods to quit smoking today, and commit to healthy living.
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The California drought has gotten out of control. That is why a private company stepped up and paid $1 billion for a new desalination plant located in Carlsbad.
The drought has really impacted Southern California within this last year, however, the drought has been drying up some parts of California for years.
What is desalination?
Basically, it’s a sifting process which removes salt and other minerals from salt water that is retrieved from the sea. This process will make the water safe for drinking and irrigation. Desalination is a more expensive process to provide potable water.
Alternatives
There are alternative methods to providing drinking water which are less expensive than desalination. The methods include ground water, which is obtaining drinking water from natural resources including rivers, lakes, and even digging underground for water.
Another method is water recycling. In Orange County, California, water recycling is underway. Since 2008, Orange County has provided residents with billions of gallons of potable water from the recycling facility. By 2015, Orange County will be providing an additional 30 million gallons per day, all thanks to their expansion efforts.
The drought in California has gotten so bad that even wells in Bakersfield, have run dry.
Content provided by Transformer Marketing.
Sources: http://en.wikipedia.org/wiki/Desalination and http://www.slate.com/articles/technology/future_tense/2014/06/desalination_vs_purification_why_californians_will_soon_drink_their_own.html
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Your grandparents love you. After all they let you have dessert before dinner, take you shopping and get you anything you want, and dote all over you. They even grab your cheeks and make cute noises. Okay, so maybe they don’t do that anymore (and if they do, you may want to have a nice chat with them), but they still love you unconditionally. Which is why you should celebrate them.
September 8th is National Grandparents’ Day and we have put together a list of ideas for you to use to celebrate with them.
- Make them breakfast, lunch or dinner. Just break out the yumminess, strap on an apron and give it your best. I know they would love whatever creation you come up with.
- Take them on a nice walk. Offer to carry the bag for them.
- You take them shopping this time.
- Take them out to dinner. The early bird special is delicious!
- Do chores around the house for them. Get into those hard to reach spaces.
- Ask them about their history. Everyone loves talking about what has made them the person they are today. You could find some rich family history by chatting up a storm with them.
- Make them a nice card. I know it’s cheesy to give homemade stuff but really, it’s what they love. I mean have you looked on their fridge decorated with your accomplishments?
This Grandparents’ day, make it special for them. Love on them and celebrate, after all they didn’t tell your mom that you spilled the grape juice on her new white outfit.
Content provided by Transformer Marketing.
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Sometimes new is not always better. This is what the 49er family is finding out after closing down Candlestick Stadium and moving into their new, “bigger, better,” Levi Stadium.
Levi Stadium started construction April 19th, 2012 and opened its doors on July 17th, 2014. The total cost of the project was $1.3 billion. So you think with spending that kind of money the stadium would be in perfect condition. But it’s not. It has had a fair share of problems since opening day. For instance:
- The traffic is a nightmare. Didn’t matter if you drove or took the train, you were stuck sitting and waiting.
- All the hub over the stadium being the most technically advanced, is having a hard time living up to that promise.
- During the 49er-Bronco game any concessions had to be paid in cash as the cashiers didn’t have access to the point of sale programs.
- And now? The turf.
The $1.4 million turf that was installed was quickly destroyed in the 49ers practice on August 20th. Within 45 minutes of the public practice, where 30,000 fans came to watch their beloved team play, they were given vouchers to the stadium museum and practice finished in another location behind closed doors.
Let’s see if the problems get worked out before we get too deep into the season.
Content provided by Transformer Marketing.
Sources: http://www.santacruzsentinel.com/localnews/ci_26379292/levis-stadium-turf-being-replaced
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