ASSURANCEVOLUME 05 / APRIL 2013

SPOTLIGHT TRAVEL FOOD FUN PROJECTS

THE ULTIMATEFAMILY GETAWAY

Taking Your Kids On Your Island Holiday

CRUISEFAMILY

TIPS ONSelecting

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TravelInsurance

Progressive Casualty Ins. Co. & its affi liates, Mayfi eld Village, OH. Auto insurance prices and products are different when purchased directly from Progressive or through independent agents/brokers. Snapshot discount not available in all states or situations. The Polaroid White Border Photo is a trademark of PLR IP Holdings, LLC, used under license. 11A00165.FP (03/11)

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Let us customize an ATV policy thats just right for you. Call today for a free personalized insurance quote.

Underwritten by Progressive Casualty Insurance Company and its afliates, Mayeld Village, OH. Available in most states and situations. 2008 Progressive Casualty Insurance Company. 07A00933 (01/08)

Its Not Just an ATV.Its a way of life your life.

Its your connection to the great outdoors.

Its your passion.

Protecting it is ours.

ECNARUSNI REGNIFLEFFEH TEERTS NIAM W 72

ELLIVSEMOREJ , HO 048441513-863-914

CONTENTSCRUISES BECOMING TOP CHOICE FOR MULTIGENERATIONAL TRAVEL

RESORTS

TAKING YOUR KIDS ON YOUR ISLAND HOLIDAY

TRAVEL INSURANCE

25 TIPS TO SAFEGUARD YOUR HOME AND PROPERTY WHILE YOU TRAVEL

AVOID COZYING UP TO BED BUGS WHILE TRAVELING

ALL INCLUSIVE CARIBBEAN VACATIONS

TIPS ON SELECTING A HOTEL

THE ULTIMATE FAMILY GETAWAY

If your family enjoys gorgeous beaches and a laid-back atmosphere, a destination resort is for you.

Are you planning on taking a family vacation?

Before leaving on vacation, make sure you have adequate insurance.

25 tips that will make your home more secure while you enjoy your holiday.

There are so many options for a great family vacation that it can be hard to decide on where to go.

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SELLING YOUR HOME? A GREAT DECK SPRUCES UP THE CURB APPEAL

EMERGENCY MEDICAL ASSISTANCEThis provides insurance and medical assistance for travelers.

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SUMMER PROJECT

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GET YOUR GRILL ON GRILLING AND BROILING SEAFOOD

COUNTRY BARBECUE POTATOES

GRILLED HAWAIIAN HAM SANDWICH

SPINACH SALAD

BEEF RACK OF RIBS

Firing up the grill is an American tradition.

SUMMER FOOD

SUMMER FOOD

Heffelfinger Insurance Protecting Families Since 1919

According to employees, Heffelfinger Insurance is a great place to work. This month we will spotlight one such employee: Donna Drake

As an independent insurance agency, Heffelfingers role is to serve as a trusted advisor; not to simply sell you a product. Helping you understand your unique needs, they will consult with you recommend the best coverage, service and value fit. The Goal is:

Identify the insurance services that are right for youGuide you through the claims process for a quick and fair resolutionCounsel you on matters related to your coverage or accountProvide prompt service with a unique personal touchNo one understands her part in making those things happen every day for every client better than Donna Drake, Heffelfingers Operations Manager and subject for this months Staff Spotlight.

Given her office background in insurance and coming from a military wife and family, she knows how to go with the flow and improve where you can. Donna has brought a lot to this agency since joining in May of 2011 from a neighboring town where she had family contacts with the Heffelfingers and was exploring options after closing her own business. Her combined 30 years experience in the agency and company sides with both personal and commercial lines perspective was the perfect fit at the right time for Heffelfinger Insurance.

As the only agency in a small town, this multi-generational family-owned agency is referral and protection-driven as well. Principle Rex Heffelfinger as an avid hunter knows that in a hunter-farmer area that going the extra mile means a lot. Always willing to do what it takes for his clientele, he has been known to drive 3 hours away to meet and help someone with their insurance needs. Being independent allows the agency to customize from several companies and offer the best protection.

Donna, as both an overseer and detail person, handles 99% of the processing and rating of the coverage for commercial lines. Her recent 10 years experience in the commercial side serves to strengthen and balance the overall protection expertise offered at Heffelfinger. She was an underwriter for 5 of her 8 years on the company side in commercial lines and the last 3 as a desk underwriter so she fully understands coverage. She is willing to share the knowledge with the hands-on, teachable and newest customer service representative to join Heffelfinger this past October, who also comes from the company side.

Citing that every claim is important to the customer, Donna is proud to note that they help as much as possible throughout the entire process; dealing with the individual including advocacy for the customer to the company. Acting as a liaison on their clients behalf, they dont take back seat when it comes to a customers claim; they will work hard to keep them from being stuck in the middle of claims-ease speaking adjuster.

Being client protection driven, she also works diligently on clients protection reviews; seeking feedback from her clients and bringing her wealth of knowledge and experience to result in their best coverage and to serve them as best as she can.

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STAFF SPOTLIGHT: DONNA DRAKE

Letter from the EDITOR

Summer is nearly here. To some, summer means a time of renewal from long winter days. To others, it means time spent with family and friends or vacations and an opportunity for rest and relaxation. Regardless of what summer means to you and your family we want to encourage you to take advantage of the many opportunities that summer provides.

In this issue we wanted to give you some great ideas to make the most out of your summer. We will take you to the high seas on a cruise, tempt you with mouth-watering food and help you plan projects to bring your family together. We would love to have you share with us how you spend your summer. So, as you go though the next few months think about dropping us an email, and hopefully some photos, of what will hopefully will be one of your best summers everSummer 2013.Each one of us wishes you, your family and your business a wonderful year.

Ted BakerExecutive Director

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SUMMER TRAVEL

Among the hottest trends in travel is family travel, but multigenerational trips -- which span three generations of a family -- are quickly gaining popularity. Last year, 32 percent of vacationing U.S. grandparents took their grandchildren along.

In a recent study, Preferred Hotel Group found that 40 percent of U.S. leisure travelers -- about 21 million of them -- took a multigenerational trip in the previous 12 months.

The study also found that nearly eight in 10 multigenerational travelers plan milestone vacations, with half planning around a life event like a birthday, anniversary, reunion or wedding.

Cruises Becoming

Multigenerational

travelTop Choice For

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SUMMER TRAVEL

There are many reasons why such trips are popular.

Todays seniors are living longer, healthier and more

mobile lives and are eager to make up for long distances

away from grandchildren. Grown children, strapped for

time and money to plan relaxing vacations and trips to

see extended family, are combining the two.

The last decade has seen a significant increase in

multigenerational cruising, and the cruise industry has

responded to changing vacation patterns by adding

enriching destinations, excursions, on-board activities

and amenities to cater to every age.

The ease of cruising makes it an appealing vacation

option. Travelers can see multiple destinations without

packing and unpacking, and if it gets to be too much,

Grandpa can easily retire to his cabin.

The almost all-inclusive nature of a cruise also makes it

convenient for families to budget for lodging, meals and

entertainment.

While mega-cruise ships offer more activities and

amenities, many families opt for the unique experience

of a sailing cruise. These vessels provide an intimate

environment similar to a private yacht while offering an

adventurous, educational holiday for the whole group.

Star Clippers fleet of three sailing ships provides the

thrill of sailing on an authentic tall ship, an extensive

water-sports program and exotic destinations with

cross-generation appeal. The ships smaller size -- either

170 or 227 passengers -- means families can have an

intimate vacation experience without long lines and

large crowds.

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SUMMER TRAVEL

There are so many options for a great family vacation that it can

be hard to decide on where to go. One thing that will help you

decide on a destination is to think about your familys vacation

personality. Is your family laid back, or adventurous? Do you

enjoy exploring on land or experiences at sea?

Once you know your familys vacation personality, you can plan

the vacation of a lifetime. Here are a few exciting ideas to get you

started on your ultimate family getaway.

The Ultimate Family GetawayPlanning the vacation of a lifetime for the whole family

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Plan a familyvacation of a lifetime

HEFFELFINGER INSURANCEJeromesville, OH 419-368-3151

You Are My Sunshine . . .From the moment she was born I promised to love her, to protect her from all the monsters under her bed, and to support her and all her dreams. From the moment she was born I promised that I would

always provide for her, no matter what.

Thats why I bought Life Insurance, because from the moment I held her I wanted to secure her future in case I couldnt always be there for

her. Because its not about my life, its about hers.

The Ultimate Family GetawayPlanning the vacation of a lifetime for the whole family

SUMMER TRAVEL

If fantasy, fun and the magic of the sea appeal to your family, then a cruise

is for you. Twenty-five percent of cruisers sail with children, according to

the Cruise Lines International Association (CLIA). And todays ships offer a

wide array of onboard features and programs for all ages - not to mention

exciting ports of call along the way. When choosing a family cruise, you

Family Cruisewant to make sure that everyone,

from grandparents down to the

toddlers, has something they can

enjoy.

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For example, Disney Cruise Lines

cabins are designed with families in

mind, with extra storage space and

split bath design. There are plenty

of family-centered shows and

activities available, ranging from lively deck parties and Broadway-style

stage spectaculars to water-based fun on deck with pools, waterslides and

splash zones. But you dont have to do everything together:

Younger kids will love having their

own elaborately themed play areas

and activities and getting to meet

Disney characters.

Teens and tweens have their own

private clubs, and activities geared

just for them.

And adults dont have to miss out

on the fun - there is an adults-only

pool and spa along with activities

like cooking demonstrations, wine

tastings, or a champagne brunch.

When choosing a cruise, make

sure you look for ports of call and

excursion options that fit your

family, too. Alaskan cruises are great

for families who enjoy the outdoors.

You can go fishing for salmon,

hiking on a glacier, take railroad and

helicopter tours, and ride with sled

dogs. If warm, golden beaches are

more your familys style, a cruise to

the Caribbean will let you lounge,

swim and snorkel in azure waters, or

shop in exotic marketplaces.

With most cruises, all your meals

and most onboard entertainment

and activities are included in

your stateroom price. The value

SUMMER TRAVEL

of cruising over a traditional land

vacation is unbeatable. And with

many convenient U.S. ports to sail

from, such as Galveston, Texas and

Miami, Fla., getting to your ship is

simple.

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If your family is always looking for

new places to explore, a family

adventure vacation is just the thing.

With guided adventures, you can

explore and experience places and

cultures youve only dreamed about

- and you have the benefit of experts

to make it enriching and easy.

When choosing a family adventure,

make sure the itinerary will satisfy

the energy levels and curiosity of

the different age groups in your

family. For example, on a trip to

Peru with Adventures by Disney,

you can enjoy an Andean feast, go

river rafting, explore ancient ruins,

and take a privately guided tour

of Machu Picchu. On their trip to

Greece, you can go sea kayaking and

Family Adventuresswimming, explore a volcano, enjoy

wine tasting, and visit the Acropolis

and Olympic Stadium where the

kids can participate in their own

mini marathon. Or, you can explore

the American West in Wyoming by

whitewater rafting down the Snake

River, touring Yellowstone National

Park, going horseback riding, and

staying on a dude ranch.

Family adventure trips mean you

can enjoy an adventure without

many of the hassles of pulling it

off by yourself. Guided tours such

as these can also provide special

access to places and experiences

you cant get on your own.

SUMMER TRAVEL

ResortsIf your family enjoys gorgeous

beaches and a laid-back

atmosphere, a destination resort

should be in your vacation plans.

Many families love the

advantages of all-inclusive resort

packages. You get to enjoy a

wide variety of activities without

worrying about expenses you

werent counting on.

You can find family-friendly

resorts that feature variety of

water sport activities, resort

amenities such as spas and

lounges, and sandy beaches

perfect for relaxing with a good

book. Tour desks often offer

excursions for an additional

charge. Popular excursions

include swimming with dolphins,

catamaran snorkel cruises

or visits to local museums or

galleries. There are plenty of

options for everyone.

All-inclusive resorts are

convenient, but before you book,

make sure you know exactly

what is included and what is

available for an additional cost.

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SUMMER TRAVEL

Avoid Cozying Up to Bed Bugs While Traveling

Bed bugs are a year-round problem, but if

youre gearing up for travel or vacation --

you may be at an increased risk of bringing

these most unwanted souvenirs home.

A 2011 national survey of pest professionals

conducted by the National Pest Management

Association (NPMA) found that a whopping

99 percent of respondents encountered bed

bug infestations in that year, and 80 percent

encountered bed bugs specifically in hotels

and motels. And since bed bugs remain the

hardest pest to treat, infestations can easily

grow out of control.

Increased public awareness, education

and vigilance are key in detecting and

preventing bed bug infestations as these

pests tend to travel undetected from place

to place, breed quickly and remain one of

the most challenging to treat, says Missy

Henriksen, vice president of public affairs for

the NPMA. Bed bugs are equal-opportunity

pests and are not a result of poor sanitation.

So whether youre staying at a motel or five-

star hotel, check your surroundings.

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To reduce the risk of cozying up to these pests, remember the following expert advice while youre traveling.

* Thoroughly inspect the room with a flashlight before unpacking, including behind the headboard, under lamps, and inside dressers,

drawers, sofas and chairs.

* If you do suspect a bed bug problem, notify management immediately.

* If you need to change rooms, dont move to a room that is adjacent, directly above or below the suspected infestation.

* Do not place luggage on upholstered surfaces. The safest place is in the bathroom in the middle of a tile floor or on a wooden

luggage rack after it has been thoroughly inspected.

* When you return home, vacuum your suitcase thoroughly before bringing it indoors and storing it away.

* Wash and dry all of your clothes -- even those items you havent worn -- on hot cycles to remove any bed bugs or eggs that may

have traveled home with you. Clothes that are not suitable for machine washing should be taken to the dry cleaner.

SUMMER TRAVEL

Protecting your home while you travel involves much more than discontinuing newspapers and arranging to have the lawn mowed. Here are 25 tips that will make your home more secure while you enjoy your holiday.

Keep a lid on it.You may be bubbling over with enthusiasm about your upcoming holiday. However, avoid discussing details in public. The guy standing behind you in the bank or grocery store might be a professional thief itching to break in the moment you leave.

Avoid advertising your intentions.Professional thieves often watch housesitter wanted ads for potential break-in targets. Do not advertise on the Internet or in a local newspaper for a housesitter. Instead, contact a professional housesitting service.

Tell the right people.Be sure to tell your alarm company and the local police authorities about your plans. Provide them with details for a local emergency contact and let them know how they can reach you while you are gone.

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Put your tax dollars to work.Ask the local police detachment to patrol your area more frequently while you are on holiday.

Provide your housesitter with important details.Be sure that your housesitter knows where to locate all water and gas shutoff valves as well as fuse boxes and main electrical circuit boxes.

Put your digital or cell phone camera to good use.Take photos of everyone who has permission to enter your home while you are away: yard maintenance people, petsitters, contractors, etc. Develop the photos and give prints to your housesitter, or e-mail digital copies to him/her. Alternatively, provide authorized people with a signed permission letter granting them access.

Keep the yard well-lit.Burglars avoid bright lights. Installing motion-sensitive yard lighting is an excellent investment that will help to discourage night intruders.

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Secure windows and doors.Good deadbolt locks will discourage all but the most dedicated intruders. The majority of trespassers will abandon break-in attempts if they take more than 60 seconds to gain access.

Provide 24-7 security and fire monitoring.There are many excellent monitored alarm systems on the market. In addition to providing security, they may entitle you to lower house insurance rates. Discuss systems with your insurance company before making any purchases. Your agent might be able to make recommendations or provide discount coupons. The best systems will monitor for intruders as well as carbon monoxide fumes and smoke.

Check exterior lights.A week or so before you leave, replace burnt out bulbs and/or repair yard lights if necessary.

Keep the yard well groomed.Arrange for regular yard maintenance such as lawn and hedge trimming, raking of leaves, snow removal, etc.

Put it out and pick it up.Ensure that someone takes the trash to the curb on garbage day and picks up your mail soon after delivery.

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Use a few childrens toys imaginatively.Scatter some childrens toys in the yard where they will be visible from the street. This gives your property a lived-in look.

Plan some vehicle deception.If you are not taking your vehicle with you, do not leave it in the garage. Instead, park it in the driveway and arrange for someone to move it once in awhile. Alternatively, ask a neighbor to use your driveway for parking.

Secure the garage.Garage door remote controls are produced on assembly lines. They often have the same combinations or operate on the same frequency. Prevent accidental or intentional activation of your garage door by unplugging the opener before you leave.

Protect appliances and conserve electricity.Take photos of Unplug all non-essential appliances as well as electronic and computer equipment. This protects surge sensitive devices and saves a bit on your electricity bill.

Utilize your safety deposit box.Move items like loose cash, expensive jewelry, and other small valuables out of your home and into your safety deposit box.

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Be extra careful with voice mail or answering machines.Never record a message that mentions your holiday or admits that you are not home. Instead, say something nonspecific such as, Sorry, Bill and Sue cant come to the phone right now. Please leave a message when you hear the beep. Well get back to you as soon as possible.

Protect your extra house key.Do you hide an extra key in a hanging plant, inside a dryer vent, or above the doorjamb? Guess what - if you can find it, so can a thief. Give your extra key to the housesitter.

Avoid water damage.Hoses to appliances such as washing machines and dishwashers can spring leaks. Prevent water damage by turning off each appliances water supply valve.

Provide light and sound.Set timers on two or three lamps and a couple of radios so that they turn on and off throughout the day. The sound and light will create an illusion of occupancy.

Avoid tattletale telephones. Switch off all telephone ringers. A constantly ringing unanswered phone is an advertisement to passersby that nobody is home.

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Secure all entry points and holes.Lock all the doors and windows of your home and outbuildings, and secure pet doors as well. Have you ever seen a raccoon or cat squeeze through what looks like an impossibly small space? Some burglars are almost as agile.

Use your air conditioner wisely.If you are not taking your vehicle with you, do not leave it in the garage. Instead, park it in the driveway and arrange for someone to move it once in awhile. Alternatively, ask a neighbor to use your driveway for parking.

Clear your voice mail or answering machine.While you are gone, check and clear your voice mail or answering machine to avoid beeps, voice mail full messages, or immediate routing to the messaging system that might indicate you are not home. If you cannot or do not wish to do so, arrange for someone else to do it for you.

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TIPSSELECTING A

HOTEL

C lick here to view video

SUMMER TRAVEL

Everyone who travels wants their lodging to be comfortable and clean. Choosing the appropriate accommodations can be difficult. If you have never been to a particular hotel, you do not always know what to expect. The following tips can help you narrow down your choices and hopefully choose the best hotel to meet your needs.

Cleanliness: No one enjoys staying at a filthy hotel. When you enter the lobby, scan the area for dirt, garbage, and tidiness. When you meet the staff, check to see if their uniforms are clean and neat. It is important to check the room where you will be sleeping. Look at the floor and bathroom to see if they are clean. Check to see if the floor has been vacuumed. The bathrooms should have new shampoo and soaps. The towels and facecloths should be clean and placed in an orderly manner. Make sure the toilet is clean. Check to see if the bed has fresh sheets and is properly made. The sheets and blankets should be clean and free of bedbugs. Also, smell the room for any unusual odors. There should not be any dust or garbage.

Staff: When arriving, the hotel staff should be smiling and warmly greet you. Someone should take your bags and lead you to the check in desk. Do they provide a concierge service? The concierge should be able to answer all of your questions and explain the other amenities the hotel offers. Do they offer information packets on activities and events in the area? This can include entertainment and other

Smoking: Some hotels may be smoke free or have certain smoking floors. If you smoke, ask if they provide smoking rooms. For non smokers, make sure you get a room that is non smoking. When examining the room, smell the room to see if it smells like smoke. Look fro ashtrays or reins such ashes or cigarette butts.

dining establishments in the area. A staff member should then take you to your room and explain the contents such as toiletries, mini bar, internet services,etc. They should also explain such services as laundry and room service.

Family Oriented Hotels: Many hotels provide activities for children. If you are traveling with children, you should ask a few questions before booking. Ask the staff about any special kids clubs. Does the hotel have a pool or recreational area for children? Are there staff member that monitor these area?

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Business Accommodations: Make sure the hotel has enough rooms to accommodate everyone attending. If you require a convention room, make sure you ask before booking. You can also ask the following questions: How many occupants per room? Are there discounts for business events? Is there a business discount on meals or catering? Are there events in the area that the business guests could attend?

When choosing a hotel, there are many issues that you should consider. Check websites for discounts and packages that may not be offered over the phone. You should also be aware of the cancellation and refund policies in case you decide to go to another hotel. If you have friends or family who

stayed at a particular hotel, ask for their opinions. There are also online sites that post hotel reviews written by former guests. However, you should be aware that there are unsatisfied customers who exaggerate or are difficult to please. Most importantly, make sure you have all your questions answered before making a reservation. By doing your research and asking the right questions, you will be able to relax and enjoy your stay at a quality hotel that meets all of your expectations.

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Are you planning on taking a family vacation? With all the tropical islands all over the world, you have a varied choice when picking an island as your family vacation spot. The best part about going to a vacation in the tropics is that it wont be very expensive and most importantly is meant for the whole family. The sand, the sun, and the lapping of the waves as they hit the shore nothing is as soothing as a quite, serene holiday on a tropical island destination, unless of course, you are taking the children. Taking your children on vacation with you requires you to think differently about what you plan on doing while on the island.

You and your kids can obviously jump start the day by simply lazing around the beach, sun bathing, with kids swimming in the waters or digging in the sand making castles. But if your little ones are like most other children, they will want to be very active. There are plenty of activities you

Taking Your Kids on Your Island Holiday

can do with your children. Kids can indulge in a half day sailing trip and have a snorkeling experience around the islands coral reefs. They can see the magical and awe inspiring universe of the vibrant, vivid and vivacious sea creatures and plant life that live below the water. Children as young as 8 yrs old, with the aid of a scuba instructor can safely descend to a depth of 20 ft. For other children who dont want to explore the ocean, they can be guided through glass bottom tours that will still let them see the ocean.

SUMMER TRAVEL

Tropical islands pose as a non stop fun for kids where children can swim in clear water, find Nemo as they snorkel just meters from the shore or discover the under water world while scuba diving. Kids who are nature enthusiasts can explore the beauty and wilderness by walking through the forests of the island. The kids can swim in the refreshing waterfalls as well as spot animals and birds. Hiking through a rainforest can also be an exciting alternative and good break from the beach allowing the kids to do something different than just sitting on the beach, which might make them bored. Besides scuba diving and snorkeling, kids can enjoy other beach activities like parasailing and kayaking as well. Playing sports like beach volley ball or staying by the pool can keep the kids occupied and active while on your holiday.

A well struck balance between both inside and outside activities will get your little ones to value and love their tropical island holiday while keeping them busy and keeping you sane. A holiday with children can be a lot of fun. There are plenty of things you can do to keep your children busy on a tropical island besides just going to the beach. Kids have a lot of energy so it s important to find activities that use that energy.

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HEFFELFINGER INSURANCEJeromesville, OH 419-368-3151

You Are My Sunshine . . .From the moment she was born I promised to love her, to protect her from all the monsters under her bed, and to support her and all her dreams. From the moment she was born I promised that I would

always provide for her, no matter what.

Thats why I bought Life Insurance, because from the moment I held her I wanted to secure her future in case I couldnt always be there for

her. Because its not about my life, its about hers.

SUMMER TRAVEL

Caribbean vacations; they sound great dont they? Do you want to travel to the Caribbean? If so and if this is your first time traveling to the area, making your travel plans may seem like a long and complicated process. As big as a trip to Jamaica, the Bahamas, or the Dominican Republic is, the planning process is fairly simple. In fact, it only requires eight easy steps. What are they?

All Inclusive Caribbean Vacations: Plan Yours in 8 Easy Steps

Check Your Passport For travel to and from most areas of the Caribbean, like Jamaica, all Americans must have a valid passport. Passports do expire, so be sure to check the date if you already have one. Most importantly, give it time. It can take up to two months to receive a new passport. Do not plan your Caribbean vacation before you can reasonably expect yours to arrive.

Decide on a Destination You already know you want to travel to the Caribbean. That is good, but where exactly. As previously stated, Jamaica, the Dominican Republic, and the Bahamas are popular vacation destinations in the area. They draw attention due to their all inclusive resorts and beautiful beaches. Unless you are traveling to attend a special event, such as a destination wedding, the choice is 100 yours to make. Take the time

to examine each location, nearby attractions, look at pictures, and so forth. Which place would you like to see the most? That should be your Caribbean vacation destination.

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Decide on Travel DatesWhen choosing your dates of travel, consider a number of factors. One is length of stay. On average, most tourists spend at least five days in the Caribbean. Many claim it gives them the opportunity to relax, enjoy most resort inclusions, and sightsee. As for when you travel, is your goal to save money? Price compare and experiment. Airlines and hotels tend to offer better deals during the off season. Regardless of when you travel, experiment. In most cases, it is cheaper in fly in the middle of the week or on a Saturday.

Research All Inclusive Resorts As previously stated, one of the reasons why the Bahamas and Jamaica are popular vacation destinations is because of their all inclusive resorts. Caribbean resorts that offer special inclusions to their guests are a dream come true. You often get a better value for your money and planning is easy. One big travel arrangement can book your airfare, resort room, food, drinks, tips, qualifying airport transfers, and some forms of onsite entertainment. Once you have decided on a destination, such as Jamaica or the Bahamas examine inclusive resorts in the area.

Compare Those Caribbean Resorts When examining all inclusive Caribbean resorts, keep your eyes open for anything appealing. This is a resort with fair prices, good travel deals, a large number of onsite activities, great inclusions, and more. Since all inclusive resorts in the Caribbean come highly rated and recommended, a number are likely to catch your eye. Find the resorts that meet or exceed your expectations and then price compare. Which offers you the better deal?

SUMMER TRAVEL

Book Your Travel Arrangements When making your travel plans, try to book your airline reservations at the same time. Most resorts allow you to include airfare with your inclusive travel package. Doing so should save both time and money. Before finalizing your reservations, review your travel dates and destination to ensure accuracy. For your records, print and save all documents pertaining to your online order.

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Wait Since most travel experts recommend booking Caribbean vacations at least two to three months in advance, you may have a few months to wait. During this time, you can research nearby activities and attractions if you wish. For example, if you opt to vacation in Montego Bay Jamaica, look at nearby attractions, compare and make reservations for guided tours, and so forth. Also, during this time, your passport should arrive. Store it in a safe location.

Start Packing for Your Trip In the days leading up to your Caribbean vacation, consider contacting your all inclusive resort to verify your travel plans. Your trip should be complication free, but checking will not hurt. Then, start to pack. Pack all needed forms of identification, such as a passport and drivers license, and your health insurance documents. Monitor the weather and pack clothes and accessories accordingly.

SUMMER TRAVEL

Before leaving on vacation, make sure you have adequate insurance. Vacations can sometimes cost thousands of dollars so it is important to have the proper insurance protection in case the cruise or tour operator goes bankrupt or you need to cancel the trip due to illness or other unforeseen events.

There are four major types of travel insurance, although you can also purchase packages that offer several options, including Trip Cancellation, Lost Baggage, Medical, Dental, Emergency Evacuation, 24 Hour Traveler Assistance, Baggage Delay, Travel Delay, and Accidental Death Coverages. Some policies also have options for Collision/Damage coverage for rented cars.

Travel Insurance

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This would reimburse you if the cruise line or tour operator goes out of business. It would also provide coverage if you have to cancel the trip due to sickness, a death in the family or another calamity listed in the policy.

In addition, if you or an immediate family member becomes seriously ill or is injured during the trip most policies would reimburse you for the unused portion of the vacation.

The cost is generally five to seven percent of the price of the vacation, so a $5,000 trip would cost roughly $250 to $350 to insure.

Trip cancellation is very different from a Cancellation Waiver that many cruise and tour operators offer. Waivers are relatively inexpensive, costing approximately $40 to $60. They provide coverage if you have to cancel the trip, but they have many restrictions. They must be purchased when you book the trip and will usually not cover you immediately before departure (the time period most people cancel) or after the trip has begun. Most importantly, waivers are not insurance. Cancellation Waivers are not regulated by the state department of insurance, so if your tour or cruise operator gets into financial difficulty, you may not be able to collect.

This would provide coverage if your personal belongings are lost, stolen or damaged during the trip. To insure $1,000 worth of personal belongings for a week, it would cost roughly $50 per year.

Before purchasing this type of coverage, find out how much insurance the airline or trip operator provides for your belongings. Also, check your homeowners or renters policy. It will usually provide coverage for off-premises theft. Therefore, if your luggage is stolen, your insurer will pay to replace it, less the deductible.

If you are traveling with expensive electronic equipment, jewelry or sporting gear, it might be more cost-effective to purchase a floater or endorsement to your homeowners or renters policy. The cost to insure a $1,000 ring would be between $10 and $40 annually. This would provide full coverage for the item, anywhere in the world, usually for one year.

1. Trip Cancellation

2. Baggage Insurance or Personal Effects CoverageInsurance

SUMMER TRAVEL

This provides insurance and medical assistance for travelers. It would cover you if you had to be airlifted off a mountain due to a skiing or hiking accident, or if you had to stay for a prolonged period of time in a foreign hospital. It would also provide coverage if you got seriously sick or were injured and needed to be flown home. Some commercial airlines require very sick passengers to travel on a stretcher with a doctor. This means that you might have to purchase 10 or more seats on a plane at a possible cost of over $10,000.

Before purchasing this type of coverage, check with your own health insurance carrier. Find out what type of coverage you have when traveling abroad and if there are any limits. Also, ask if the policy will pay to fly you home or to a country with first-rate medical care.

3. Emergency Medical Assistance

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This provides a variety of coverages if you or a family member die on the trip. If you have a good life insurance plan or made other financial provisions for your loved ones, this may be duplicate insurance.

Your credit card company may provide travel-related services and coverage. You can also purchase travel insurance from either a travel agent or you can buy directly from an insurer that specializes in this type of coverage.

4. Accidental Death

SUMMER FOOD

Firing up the grill is an American tradition. The farm families who produce the food so many people enjoy at backyard cookouts want to share some of their favorite grilling recipes, as well as an appreciation for how food gets from the farm to the table.

Farmers like Amanda Folkens, from Iowa, Danell Kalcevic, from Colorado, and Nicole Small, from Kansas, have joined with more than

Get Your Grill On

70 other farmer volunteers across the country in the CommonGround program as a way to talk with home cooks about how food is grown and raised.

On our farm, animal care is top priority, as it is for thousands of other family farms in the U.S. said Amanda. By keeping our animals indoors, we make sure they are protected from predators, disease and bad weather.

To learn more about family farms and facts about your food, visit www.FindOurCommonGround.com.

Here are some of Amanda, Danell and Nicoles favorite grilling recipes.

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Safe Minimum Internal Temperatures

Things to Know Before You Shop the Meat Case

145F Beef, pork, veal and lamb (roasts, steaks and chops)160F Ground meat165F Poultry (whole, parts or ground)

Theres no need to pay extra for poultry or pork thats labeled hormone-free. USDA prohibits farmers from using hormones to raise chicken and pigs.

Nearly all beef cattle, whether raised organically or conventionally, spend the majority of their lives on pastures eating grass.

Purchasing organic, grass-fed and free-range meats does not make them safer to consume. These labels refer to how the animals are raised, but all meat and poultry can contain bacteria that could cause illness.

Most cases of foodborne illness can be prevented with proper processing, handling and cooking of food to destroy bacteria.

SUMMER FOOD

Grilled Hawaiian Ham Sandwich

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Preheat grill for high heat. Mix brown sugar with pepper to

create a rub mixture. Using your hands, massage the

rub onto both sides of the slices of ham. Ham slices should be completely covered (front and back) with brown sugar mix.

Place ham slices on sheet of lightly greased foil, then place onto grill.

On separate sheet of greased foil, lay pineapple slices out, uncovered.

Cook for 6 to 8 minutes or until brown caramelization appears around edges of ham and pineapple.

Remove ham and pineapple from heat and assemble onto toasted sourdough bread.

1 tablespoon brown sugar 1/2 tablespoon seasoning

pepper 1 to 21/4-inch thick ham slices

(about the same thickness as the bread)

Cooking spray Pineapple slices (can be fresh or

canned) 2 slices sourdough bread

Preparation

Ingredients

SUMMER FOOD

Beef Rack of Ribs

46

The night before serving, prepare rub for beef ribs (salt, pepper, seasoned garlic salt and optional cayenne pepper). Sprinkle both sides of ribs and then rub vigorously. Wrap in plastic wrap and refrigerate overnight.

In the morning, place on medium temperature grill and spread yellow mustard and brown sugar on each side of the ribs. Grill for 5 to 8 minutes until each side is slightly browned and caramelized.

Remove ribs from grill and slice with sharp knife. Place individual ribs in a crock pot on low. Add one bottle of your favorite barbeque sauce. Let simmer 6 to 8 hours.

Salt (to taste) 1 tablespoon black pepper (to

taste) 1 tablespoon seasoned garlic

salt (to taste) Cayenne pepper (optional) 1 to 2 racks of beef ribs (number

of racks based on number of people)

1 tablespoon yellow mustard 1/3 cup brown sugar One bottle of favorite barbeque

sauce

Preparation

Ingredients

SUMMER FOOD

Country Barbecue Potatoes

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Preheat oven to 450F. Coat 9 x 13 baking pan with

nonstick spray. Cut potatoes into small to

medium-sized pieces and put in pan.

Melt butter and honey, and then drizzle over potatoes. Sprinkle with seasoned salt, salt, garlic powder and pepper. Toss well to coat.

Bake, uncovered, for 25 to 30 minutes, or until potatoes are tender and golden brown. Stir potatoes at least once.

2 pounds small red potatoes 2 tablespoons butter, melted 1 teaspoon honey 3 teaspoons seasoned salt 1/2 teaspoon salt 1/4 teaspoon garlic powder 1/4 teaspoon pepper

Preparation

Ingredients

SUMMER FOOD

Delicious taste, beautiful colors, packed with healthy nutrients - whats not to love about fresh fruit? And with fresh fruits available all year long, you can enjoy them in mouthwatering, healthy meals any time you want.

These satisfying fresh fruit salads showcase the flavors and healthy benefits of Chilean fresh fruit. Here are some of the reasons eating fresh fruit is so good for you:

Adding the bright colors of fresh fruit to your plate can help lower your risk of heart disease, cancer and Alzheimers. Thats because the rich colors found in brightly colored fruits and vegetables indicate the presence of powerful natural protectors called phytonutrients and antioxidants.

Scientific evidence has shown that eating whole fruit is best for optimal nutrition benefits rather than taking supplements to provide each nutrient separately.

Fresh fruits can satisfy a sweet tooth without adding unhealthy fat or excessive calories to your diet. Thats because fruits contain naturally occurring sugars suspended in a natural healthy matrix of calorie-free plant fibers and water. They help you fill up without filling out.

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Savor a Satisfying Fresh Fruit Salad

SUMMER FOOD

Salmon, Fresh Chilean Blueberries and Lemon Salad with Chive Vinaigrette

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Divide salad greens on four salad plates. Tear salmon into medium pieces and arrange on greens.

Sprinkle on blueberries. Top with lemon zest. In a jar with a lid, add all vinaigrette ingredients. Shake well. Serve salads chilled with the dressing alongside.

8 cups salad greens, in small pieces

1 pound salmon fillet, poached 1 1/2 cups fresh blueberries Lemon zest to garnish

Preparation

Ingredients

SUMMER FOOD

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Spinach Salad with fresh Grapes, Plums, Peaches and Kiwis

Place spinach and sliced fruit in a salad bowl and toss with kiwi vinaigrette. Garnish with additional fruit pieces and top with toasted almonds.

4 cups washed baby spinach 1/2 cup red grapes 1/2 cup green grapes 2 plums sliced 1 peach sliced 2 kiwis sliced for garnish 1/2 cup toasted almonds

Preparation

Ingredients

SUMMER FOOD

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Kiwi Vinaigrette

Place all ingredients in a food processor or blender and blend until smooth. Set aside.

3 kiwis peeled and chopped 1 tablespoon rice vinegar 3 tablespoons orange juice 1/2 teaspoon Dijon mustard 2 - 3 tablespoons olive oil 1 tablespoon agave or honey salt and black pepper to taste

Preparation

Ingredients

Highest in Customer SatisfactionThank you policyholders for rating

Auto-Owners Insurance Highest in Customer Satisfaction with the Auto-Insurance Claims Experience, Four Years in a

Row, according to J.D. Power and Associates!

Auto-Owners Insurance. The No Problem People.

We are an independent agency, proudly representing Auto-Owners Insurance.

HEFFELFINGER INSURANCEJeromesville, OH419-368-3151

Auto-Owners Insurance ranks highest among auto insurance providers in the J.D. Power and Associates 2008-2011 Auto Claims StudiesSM. Study based on 11,811 total responses, ranking 26 insurance providers. Excludes those with claims only for glass/windshield, theft/stolen, roadside assistance or bodily injury claims. Proprietary results based on experiences and perceptions of consumers surveyed March-July 2011. Your experiences may vary. Visit jdpower.com.

Highest in Customer SatisfactionThank you policyholders for rating

Auto-Owners Insurance Highest in Customer Satisfaction with the Auto-Insurance Claims Experience, Four Years in a

Row, according to J.D. Power and Associates!

Auto-Owners Insurance. The No Problem People.

We are an independent agency, proudly representing Auto-Owners Insurance.

HEFFELFINGER INSURANCEJeromesville, OH419-368-3151

Auto-Owners Insurance ranks highest among auto insurance providers in the J.D. Power and Associates 2008-2011 Auto Claims StudiesSM. Study based on 11,811 total responses, ranking 26 insurance providers. Excludes those with claims only for glass/windshield, theft/stolen, roadside assistance or bodily injury claims. Proprietary results based on experiences and perceptions of consumers surveyed March-July 2011. Your experiences may vary. Visit jdpower.com.

SUMMER FOOD

Power Up60

Power Up

It takes a lot of energy to keep up with todays busy lifestyle. Between juggling work, family, friends and activities, people are often looking for something to help them keep going. Many are turning to nutritious, plant-based sources of protein, such as peanuts, to help provide long-lasting energy throughout the day.

By adding peanuts it is easy to make a protein-boosting smoothie, energy-rich waffles, better-for-you burgers, and crunchy kale chips without a lot of salt, says Jennifer Iserloh, chef and certified health coach. This Peanut Teriyaki Turkey Burger has more ingredients than you would normally expect when building your burger, but the payoff is huge. This meal is a source of vitamins E and A, folate and plenty of heart-healthy compounds that you get from superfoods like peanuts.

For more nutrition information and delicious ways to stay energized, visit www.nationalpeanutboard.org.

With 7 grams per serving, peanuts have more energy-boosting protein than any nut. This, along with their more than 30 essential vitamins and nutrients, makes peanuts a superfood.

SUMMER FOOD

Peanut and Cherry Sundae Smoothie62

Place all ingredients in blender and process until smooth. Serve immediately.

1 cup frozen cherries 1 cup reduced-fat, plain Greek

yogurt 1 cup fresh, prewashed baby

spinach leaves, packed 1 cup skim milk 1/4 cup unsalted, dry roasted

peanuts 1/2 teaspoon vanilla extract 4 ice cubes

Preparation

Ingredients

SUMMER FOOD

64

Peanut Berry Waffles

Peanut Berry Waffles

Preheat waffle iron according to manufacturers instructions.

Place flours in large bowl along with sugar and baking powder. Mix well and set aside.

Place egg whites in large bowl along with salt. Using an electric mixer, beat egg whites on high about 1 minute until fluffy and cling to bowl.

Add milk and peanuts to bowl with flour mixture.

Using wire whisk, whisk flour mixture into milk until just combined; there will be small lumps. Fold in 1/2 cup egg whites, using rubber spatula, until well combined. Gently fold in remaining egg whites until just combined; batter should be light and fluffy.

Coat inside of waffle iron with cooking spray. Place a heaping 1/2 cup mixture onto waffle iron, spreading it out slightly with rubber spatula. Top with 2 tablespoons blueberries and close the lid. Cook for 3 to 4 minutes, until waffle is cooked through but still soft to the touch. Transfer to plate. Repeat with remaining batter.

Cool waffles completely before storing in an air-tight container on the countertop for 3 days. To freeze, transfer cool waffles to large zipper lock bag and freeze for up to 3 months.

1 cup whole wheat pastry flour 1 cup peanut flour 3 tablespoons granulated sugar 1 tablespoon baking powder 4 egg whites 1/4 teaspoon salt 2 cups skim milk 1/2 cup unsalted, dry roasted

peanuts, finely chopped Cooking spray 1 cup fresh or frozen blueberries

Preparation

Ingredients

SUMMER FOOD

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Crispy Peanut Kale Chips

Crispy Peanut Kale Chips

Preheat oven to 400F. Rinse kale under cold water. Dry

well with paper towels or dry dish towel.

Coat two baking sheets with cooking spray.

Place peanuts, ground flax and seasoning or salt on sheet of wax paper. Mix with your fingertips.

Place egg whites in large bowl and whisk until foamy with a wire whisk, about 10 seconds. Dip edges of kale leaves into egg then press into peanut mixture. Transfer kale leaves to baking sheets; spread out so leaves arent touching. Coat tops of leaves with a layer of cooking spray.

Bake 10 to 12 minutes, until leaves crisp and peanuts are golden. Cool 1 minute before serving.

1 10-ounce bunch curly kale, stems trimmed

Cooking spray 1/2 cup unsalted, dry roasted

peanuts, finely chopped 1/4 cup ground flax seed,

golden or brown 1/2 teaspoon low sodium

jalapeo or chipotle seasoning or 1/4 teaspoon salt

2 egg whites

Preparation

Ingredients

SUMMER FOOD

Peanut Teriyaki Turkey Burgers

68

Place spinach and garlic in a food processor. Process until spinach is finely chopped. Add mayonnaise, lemon zest and lemon juice; blend again to smooth. Transfer to container and clean food processor bowl.

Preheat oven to 400F. Place peanuts in food processor

and pulse until they are finely chopped. Add mushrooms and pulse again 10 to 15 times until finely chopped. Add turkey meat and teriyaki sauce, and pulse until just combined; mixture should be sticky and moist. Form into four equal patties, and place on plate or waxed paper.

Heat large skillet over medium high heat. Pull skillet off heat and coat with cooking spray.

Add burgers and place back on heat. Cook without moving for 4 minutes until a golden crust forms. Spray tops of burgers with a thin layer of cooking spray and flip. Cook four minutes more then slide skillet with burgers into oven. Bake 20 to 25 minutes until burgers are cooked through and no longer moist in the center. Set aside.

2 cups baby spinach 1 clove garlic, quartered 1/2 cup reduced-fat mayonnaise Zest of 1 lemon 1 tablespoon lemon juice 1/2 cup unsalted, dry roasted

peanuts 1 8-ounce container

mushrooms, such as button and cremini

1/2 pound ground turkey breast meat

2 tablespoons teriyaki sauce Cooking spray 4 large romaine lettuce leaves

or 1 cup packed baby spinach leaves

1 ripe avocado, thinly sliced 4 5-inch whole wheat pitas

Preparation

Ingredients

SUMMER PROJECT

Youve made the decision to sell your home - now you want to position yourself for a quick and successful sale. Whats the most important thing you can do to entice buyers?

The most important thing you can do is to make your home look welcoming when people drive by, says Kimber Powell, Realtor and sales manager for Coldwell Banker Mid-America Group in Altoona, Iowa.

You want to invite them in. Make sure your front door looks nice. Trim and landscape your yard. Accent your entryway with a new door mat and pots of flowers that contrast with the color of your home, she says.

Follow these tips to position your house for a successful sale:

Enhance curb appeal

A well-maintained house appeals to more buyers and can sell faster and may sell for a higher price, according to Realtor.com.

Maximize your homes exterior appearance. Keep the lawn and landscaping edged, cut and watered. Inspect doors, windows, trim, foundation and siding for peeling paint. Repaint and replace items as needed. Clean out gutters and replace missing caulk and shingles.

Selling your home? Make it more appealing to buyers

70

Declutter inside

Make your home look bigger by removing clutter and storing personal items and extra furniture before prospective buyers arrive. Make repairs where needed, Powell advises.

Repairs are ongoing maintenance needs that show your home has been well-cared-for and kept up-to-date, she says. Most potential buyers want turn-key homes that are easy to move into.

Repaint dingy or stained walls with a neutral shade of paint. Repair cracks or holes in walls, ceilings, tile and woodwork. Replace broken items and consider updating worn-out cabinet knobs, dated curtains and battered bath and kitchen hardware.

Show lifestyle possibilities

Create a lifestyle story to help buyers envision themselves living in your home. Have a small kitchen but a big deck? Focus on outdoor entertaining by adding lights, comfy cushions and showcasing grilling areas, Powell recommends. If you love your neighborhood, highlight a front porch with wicker furniture and window boxes.

You want to show buyers the ways they can use the entire home and yard, Powell says. If you dont have outdoor furniture or decorations, work with a stager to borrow those items. Or consider borrowing items from friends or family to get your home staged for sale.

Highlight quality brands

If your home features or youve replaced items with high-quality brands, like Pella Windows and Doors, include their names in your homes sell sheet, Powell says.

People are very conscious of name brands and high-quality products. They also want to know about energy-saving benefits and warranties that may transfer to them, she says.

SUMMER PROJECT

The term landscape garden is related to the English garden design and style which is the characteristic of the eighteenth century. A landscape gardener is a person who designs, develops, maintains and remodels gardens and landscapes which beautify the environment. In order to beautify the gardens vines, low growing annuals, perennial herbs and other land scape plants can be used to beautify these landscapes.

If a person wants to have ground covers then the vinca vine flower can be planted in the gardens. Small herbs and shrubs can be planted. There are a number of flower available in the nurseries that are of colorful colours and when planted grows along the ground. The use of small potted plants containing the flowers of rose waterlily, jasmine etc, also enhance the beautify of these gardens. The sun flowers are usually of yellow colour and their conspicuous colour attract the visitors in the garden. The mottia plant spreads its fragrance in the entire garden and rose flower is so beautiful that it is given the title of queen of flowers.

In order to beautify the garden one should make use of water fountains. The use of tall, blue ceramic planters in them is ideal

Landscape Gardening

72

because in sunlight they glaze. On the sides of these fountains a decorative pipes can be set by molding copper wires in different styles. As we all know that harsh lines are formed on the outer boundary of fountains because of the swimming pool equipment therefore the plants must be grown around them. It would help to soften these harsh lines and also it will help to blend more naturally. In this case evergreen broadleaf plants are most suitable.There are certain problems that are related to landscaping because if one does not take care of the plants the gardens would spoil.

Therefore they should be watered in time. The rough and uncultivated weeds must be removed from these beds. There are some plants that

are attractive but are harmful for other plants in the garden. If the area is small than small raised beds must be planted. One another point that should be kept in mind is that the area where there is plantation should be rich in phosphates and humus.There are certain fertilizers that help in the production of flowers and fruits. The most important fertilizer is the urea, ammonium phosphate and di- ammonium phosphate. These fertilizers add the fertility to the soil as they contain the nutrients required by the plant. There are certain insects that attack the other harmful insects therefore they can be used. The example of such insects is the aphid. Proper watering and in time cultivation are the other factors that increase the productivity of these gardens.beautifying environment.

SUMMER PROJECT

With spring on the horizon, airborne allergens and pollutants can cause much grief to homeowners who suffer from breathing problems such as asthma and seasonal allergies. With the potential for increased irritation, allergy sufferers typically seek long-term, consistent relief any way they can.

Regardless of the season, allergens, dust particles and pollutants can penetrate even the smallest of gaps of a home, leading to potential respiratory problems for occupants. When combined with airborne moisture, the potential for breathing problems is noticeably high. The U.S. Environmental Protection Agency estimates that Americans, on average, spend around 90 percent of their time indoors, so improving indoor air quality is an investment in lifestyle comfort and well-being.

Indoor and outdoor sources such as chemical cleaning supplies, insecticides, carbon monoxide, mold, dirt and dust can all contribute to poorer indoor air quality. For instance, in low-traffic areas such as attics and cellars, an accumulation of dust or moisture that eventually breeds mold can significantly affect the air quality of the whole home.

Homeowners can take steps to improve the indoor air quality of their home. Regular cleaning with environmentally sensitive products and tools is a great way to reduce the amount of dust within the home. Fewer dust particles in the home reduces the potential for irritation.

Another effective solution is using an air purification unit to attract dust particles and return cleaner air throughout the house. The unit works to provide cleaner, fresher air in the home and the amount of allergens and particles in the home is noticeably minimized.

Homeowners can also stop the dust particles and allergens entering their home from the outset. Using an air-sealing product such as spray foam insulation eliminates air leakage, thereby helping reduce the amount of particles and allergens that enter the home. The air-sealing qualities of spray foam insulation, like that available from Icynene, help reduce the infiltration of pollutants, airborne allergens, and airborne moisture. The product both insulates and air seals a home by expanding up to 100 times its size within seconds to fill any gaps and cracks within the building.

The air barrier that spray foam insulation creates helps prevent pollutants, dust and irritants from penetrating the structure, even in low traffic areas such as the attic. In addition to helping alleviate respiratory distress, spray foam insulation has the added benefit of protecting against the threat of moisture and mold, as well as reducing flanking noise for a quieter home.

Spray foam insulation works to provide constant indoor comfort and protection, as along with the opportunity for homeowners to significantly reduce heating and cooling bills, in some cases by up to 50 percent. More information can be found online at www.icynene.com.

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