Hilarious Insurance Claims to Brighten Up Your Monday!

So I’ve stumbled upon this site that has recorded some extremely funny insurance claims that people have actually claimed with their carriers.  Since they’re all anonymous, only you will know if you’re the guilty party! Hopefully that isn’t the case, so sit back, relax, and prepare to laugh because there’s some good ones below:

Incidents with Pedestrians.

  • The guy was all over the road. I had to swerve a number of times before I hit him.
  • To avoid hitting the bumper of the car in front I struck a pedestrian.
  • I saw a slow moving, sad faced old gentleman as he bounced off the roof of my car.

Accidents with other vehicles.

  • I collided with a stationary truck coming the other way.
  • The other car collided with mine without giving warning of its intention.
  • When I saw I could not avoid a collision I stepped on the gas and crashed into the other car.
  • I started to slow down but the traffic was more stationary than I thought.
  • I was unable to stop in time and my car crashed into the other vehicle. The driver and passengers then left immediately for a vacation with injuries.

Collisions, calamities, and injuries.

  • Coming home I drove into the wrong house and collided with a tree I don’t have.
  • I told the police that I was not injured, but on removing my hat found that I had a fractured skull.
  • I pulled away from the side of the road, glanced at my mother-in-law and headed over the embankment.
  • As I approached an intersection a sign suddenly appeared in a place where no stop sign had ever appeared before. I was unable to stop in time to avoid the accident.
  • In an attempt to kill a fly, I drove into a telephone pole.
  • The telephone pole was approaching. I was attempting to swerve out of the way when I struck the front end.
  • The claimant had collided with a cow. The questions and answers on the claim form were – Q: What warning was given by you? A: Horn. Q: What warning was given by the other party? A: Moo.

Who is to Blame?

  • No one was to blame for the accident but it would never have happened if the other driver had been alert.
  • I didn’t think the speed limit applied after midnight.
  • The indirect cause of the accident was a little guy in a small car with a big mouth.
  • On approach to the traffic lights the car in front suddenly broke.
  • Windshield broke. Cause unknown. Probably Voodoo.
  • The accident happened when the right front door of a car came round the corner without giving a signal.
  • I left for work this morning at 7am as usual when I collided straight into a bus. The bus was 5 minutes early.

Man, if these people lived in Connecticut, insurance claims would be through the roof!

 

Nail That Next Job Interview

With unemployment still remaining steadily high, that probably means there’s quite a few of you out there looking for work.  Many of you probably have been working for years and haven’t been on the other end of the interview table for quite some time.  So if you find a job opening and are nervous and feel a little rusty about conducting yourself in the interview, just take a big deep breathe and relax!

The job interview can be one of the most important parts of the hiring process, so making sure you nail it can be crucial in your potential to gain that position.  If you’re feeling a little lost though, have no fear!  Below are some tips that can help you out the next time you find yourself fielding questions about your resume…

1. Pay Close Attention to Detail- make sure all of your T’s are crossed and your I’s dotted people! Make yourself stand out, and employers can’t help but notice!

2. Proofread Proofread Proofread! -There’s nothing worse than a resume or cover letter with a word or two or five misspelled.

3. As the Scouts say, Be Prepared- Learn as much as you can about the company you are applying to.  Find out how the business has been doing, how competitors are doing against them, and more specifically- what you’ll be doing if you go to work for them.

4. Be Professional- don’t have your future employer trying to contact you at an email address that is, let’s just say, not the most appropriate of names.  Simple first name/last names with maybe a graduation or birth year attached are just fine.

So hopefully these tips will help you out down the road in any interview you may find yourself in. And as for the employers out there, if you have any Hartford Business Insurance needs, Paradiso Insurance is the place to call!

 

Planning The Big Day This Winter? Be Prepared For A WHITE Wedding With The Connecticut Wedding Protection Plan!

 

IMAGINE: It’s your BIG day! You are getting married on the beautiful countryside of Connecticut during the winter months. Suddenly, winter storm XY&Z blasts the state and your wedding is not going to plan…at all.  What do you do?

 

The average cost of a wedding is $27,000. The average Connecticut Wedding costs well over that! It’s all too common to lose large deposits when a caterer goes out of business or a large weather event causes the wedding to postpone.  If you insure your vehicle worth $27,000, why wouldn’t you insure your most special day that is worth as much monetarily and so much more emotionally?

The CT Wedding Protection Plan offers a variety of coverages such as:

  • Cancellation or Postponement
  • Additional Expenses
  • Event Photographs/Video
  • Event Gifts
  • Special Attire
  • Special Jewelry
  • Lost Deposits
  • Liability Insurance

As Connecticut continues to get hit severely with snow storm after snow storm, considering insurance for your wedding is a smart consideration for you and your special day.  Weddings encompass many included factors such as buildings, churches, food, clothing, vehicles, photographers and much much more.

Here at Paradiso Insurance, we understand that although we haven’t had much of the white wintry  mix YET, it is soon to arrive.  The last thing that any couple wants to deal with, is picking up the pieces and recouping losses cause by a wintry weather mix! Call our team at (860) 684-5270 to go over your options with one of our licensed agents.

 

 

We Don’t Need A Lizard, Pig Or Caveman To Save You Money And Offer The Best CT Insurance!

 

 

 

 

There aren’t many of us who don’t recognize the cute little lizard, the screaming pig, or the caveman in the numerous commercials we all know and…well…find humorous! While we don’t have the commercial or the gecko, we as a Connecticut independent insurance agency have something much more to offer: Options.

 

Being an independent insurance agent allows us to shop your insurance with multiple carriers, which means aggressive rates with the proper coverage for your personal or business needs.  In addition to providing you with your insurance needs, our staff is one phone call or email away.  Like many of you, we find it frustrating to be a case # versus a person, automated messages, etc.  Here at Paradiso Insurance, our goal has always been to deliver the best service to our customers, letting them know that we are here and represent THEM!

 

Here are just 3 reasons why choosing an independent insurance agent is a smart idea:

  • Unbiased Opinion – An independent insurance agent has your best interest in mind and will help you when comparing insurance quotes to find the best policy at the right price for you.
  • Expert Opinion – An independent insurance agent will work along with you when choosing your policy to make sure you’re not overpaying for unnecessary coverage or underpaying for insufficient insurance coverages.
  • There To Help YOU– An independent insurance agent will help you through the difficult and confusing processes such as an accident, fire or various claims to make sure you receive what is rightfully yours at the end of the claim process.

 

So while we love the commercials, our commercial for Paradiso Insurance means most as we feel that people truly understand that when you choose our agency, you understand what it means when we say ” I work for YOU, my customer”.

 

 

 

If you have any questions for our team, please do not hesitate to call us at (860) 684-5270

 

 

Holiday Marketing Tips for Any Small Business

Happy holidays, entrepreneurs! ‘Tis the season for small business owners and startups alike to increase sales and boost year-end profits. Just one problem, though. How do you compete for shoppers’ attention against the Best Buys, Targets and Sears of the world, especially on a tight budget?

Thankfully, online technology and social media services offer affordable alternatives to expensive print, online and TV advertisements, while still letting you craft clever campaigns, connect with customers and cost-effectively provide unique deals, discounts and promotions.

Looking to increase market share or Q4 records? The following high-tech holiday marketing strategies can help you raise awareness and increase revenues without having to take out a second mortgage on your retail or online storefront.


1. Social Media Programs


Can you spare more creativity than cash? Social networks like Facebook, Twitter and Google+ can help attract customers with minimal investment. But remember: Offer unique or arresting incentives, including steep discounts, free samples or unique hands-on trials, in order to generate viral exposure. Try offering two-for-one deals, bonus gifts with purchase or exclusive events to drive foot traffic, siphon customers from competitors and aid with lead generation.

Splurging on customers using loss leaders (e.g. giving shoppers a free gift with purchase) and splashy time-limited promotions (“exclusive wine tasting free today!”) not only helps generate direct prospects, it also allows you to create sampling opportunities, promote to a captive audience and potentially drive interest toward higher-margin goods.


2. Affiliate and Referral Marketing


Given the power of word-of-mouth marketing, it literally pays to turn fans of your business into Santa’s little helpers. To recruit them, incentivize conversation by providing eye-catching offers and savings, and compensate direct leads with exclusive discounts, gifts and cash rewards.


3. Mobile and Location-Based Marketing

Over 420 million smartphones will sell in 2011 alone and, according to IMS Research, many contain built-in GPS devices. Mobile and location-based marketing services like Geotoko, Placecast and Xtify  can potentially help close more holiday deals. They provide users with discounts, giveaways and specials via text message, pop-up alert or email.

You can also integrate marketing with services like Foursquare and Gowalla to tie campaigns to specific retail stores or locations. That way, you reach customers right when they’re weighing their options, and thus, steal a sale right out from under competitors’ feet.


4. QR Codes


Many smartphones and tablets enjoy an additional feature: the ability to scan QR Codes . These high-tech symbols can beam over instant savings or provide access to online information. Add them to signs, print ads, business cards and brochures, and customers can quickly grab coupons, download menus on-demand or even see how your prices compare to rivals’. Consider including simple bonuses, like free seasonal drink recipes to go with every blender or complementary festive music downloads for that new iPod dock.

From downloadable menus to driving directions, potential applications are endless. Just be sure each offers customers meaningful rewards and a call-to-action to maximize performance.


5. Discounts and Deals

Many entrepreneurs have tried coupling door-busting offers with regular distribution through daily deal services. Providers like Groupon, Living Social, Amazon Local and Google Offers can potentially put savings in front of millions for a slice of each purchase. These bargains-by-email services offer the opportunity to connect with discount-savvy households. You can even set a minimum purchase requirement before discounts activate.


6. Keywords and Online Advertising


A full third of holiday shoppers plan to spend more money online than in-store in 2011, and 37% and 12%, respectively, will make gift purchases via smartphone or tablet. No matter your desired budget or audience, purchase targeted keywords on popular search engines like Bing and Google to put you in front of prospective buyers.

When coupled with custom geographic/demographic targeting and personalized scheduling and spend levels, choosing specific keywords and terms can prove highly effective. For maximum impact, use more detailed search terms (e.g. “winter coats New York”) and less popular (and therefore contested) phrases. Inside tip: If you’re feeling more naughty than nice, you can also buy up keywords related to competing products.


7. Custom Content and Publications


Give shoppers the gift of more time with friends and family by providing time-saving hints and advice. Email marketing services like  ConstantContact let you send seasonally-themed digital newsletters straight to shoppers’ inboxes for pennies, and enable content sharing through social networks. Popular service Mailchimp even allows you to send gorgeous, customized mailings for free in small quantities, and to blast out targeted emails via Facebook, Twitter, Flickr or LinkedIn.

Couple with links to bargains, storefronts and online videos to enhance SEO and user engagement. Grow your reach, keep holiday bargains top-of-mind and help alleviate shoppers’ stress while building brand awareness.

Courtesy of Mashable.com

 

CT Umbrella Coverages

Let’s say you have a policy for your home and your family’s cars. You have just the right policy for the apartment you rent out to others as well as coverage for your boating excursions. Your homeowner’s policy even has a special, added protection for the business that your spouse runs out of your home. While it looks like you have all the coverage you need; perhaps you should consider….. an umbrella. An umbrella is a liability policy that fits over your primary policies.

Umbrellas are designed to be carried over a person’s primary (also known as underlying) liability coverage. Primary refers to the fact that in the event of a loss, the liability portion of your auto or homeowner coverage is the first to respond. Umbrellas or excess liability policies respond to an eligible loss only after the primary insurance has paid its limit.

It’s quite possible that your primary insurance limits provide more coverage than you’ll ever need. However, circumstances could involve a type of loss that is not completely covered by a primary policy. For instance, your newly licensed child is driving the family car and slides on an icy highway. He ends up causing a chain collision damaging several cars and injuring a dozen drivers and their passengers. Or maybe you often volunteer to help transport members of your son’s first grade class on field trips and you have an accident because you tried to beat a yellow light. If you don’t have enough primary coverage, any shortage may have to come out of your personal assets.

Umbrellas generally provide additional liability coverage for the following underlying policies:

  • Personal Automobile
  • Homeowners/Farmowners
  • Recreational Vehicles
  • Watercraft
  • Personal Liability

The additional coverage may often extend to providing for related expenses, also on an excess basis, such as the cost of providing a court defense. Come down to Paradiso Insurance for any CT Insurance needs you may have!

 

 

70 Years of Infamy

About 120 survivors of the Dec. 7, 1941, bombing of Pearl Harbor observed a moment of silence to commemorate the Japanese attack and the thousands who lost their lives that day 70 years ago Wednesday.

The moment of silence came just before 8 a.m. local time, when the first Japanese planes launched their attack. The survivors were joined by Navy Secretary Ray Mabus, military leaders and civilians at a ceremony in Pearl Harbor.

Altogether 3,000 people attended the event at a site overlooking the sunken USS Arizona and the white memorial that straddles the battleship.

President Obama hailed veterans of the bombing in a statement proclaiming Wednesday as “National Pearl Harbor Remembrance Day.”

“Their tenacity helped define the Greatest Generation and their valor fortified all who served during World War II. As a nation, we look to December 7, 1941, to draw strength from the example set by these patriots and to honor all who have sacrificed for our freedoms,” he said.

Also this week, five ash scattering and interment ceremonies are being held for five survivors whose cremated remains are returning to Pearl Harbor after their deaths.

On Tuesday, an urn containing the ashes of Lee Soucy was placed on his battleship, the USS Utah, which is lying on its side near the place where it sank. The ashes of Vernon Olsen, who was on the Arizona during the attack, will be placed on his ship late Wednesday.

The U.S. lost 12 vessels that day, but the Arizona and the Utah are the only ones still sitting in the harbor. The attack brought the United States into World War II.

The ashes of three other survivors will be scattered in the water in separate ceremonies this week.

USS Utah survivor Gilbert Meyer said he comes back each year to see his shipmates entombed in the battleship which rests not far from where it sank off Ford Island.

Meyer, 88, recalled his ship rolling over after being hit by a torpedo and seeing Japanese planes dropping bombs. When the planes began showing machine gun fire, he knew it was time to move.

“That really got my attention so I got in the water and swam ashore,” he said.

Courtesy of AP

 

EPLI and CT Commercial Coverage

Hiring and firing practices are the legal minefields that are best navigated by the use of Employment Practices Liability Insurance (EPLI). It is important that a business has clear policies that are applied consistently to each employee. Such policies must directly relate to their job. Do you know what type of decisions could trigger a claim? For example, is it legal to terminate:

  • a driver with a bad driving record?
  • an employee who is rude to your customers?
  • an employee who swears at customers?

The answer is not that simple. A business’ action may depend upon circumstances such as whether an employee’s duties involve driving a company vehicle, or directly involves customers and if the company can prove that such behavior fails to meet the applicable job standards.

One key issue is having access to legal counsel that has expertise in this special area of the law. Another key issue is documenting the essential job functions and establishing measurable standards for each position. Use of regular performance reviews and applying the standards equally to each employee is a smart employment practice. The best defense against employment practice claims is to know the law in your state and then having policies and procedures that meet or exceed its legal standards.

The U.S. Department of Labor offers a Small Business Handbook from their Website. The U.S. Equal Employment Opportunity Commission also offers numerous publications addressing different employment laws from their Website. Contacting an insurance agent regarding Employment Practices Liability Insurance is another avenue to explore.

Policies and premiums for this type of CT Commercial coverage vary tremendously among insurers. Many companies offering the coverage also offer assistance in writing policy and procedure manuals and other ways to reduce the potential for claims involving sexual harassment, wrongful termination or discrimination. No business is immune from these claims.

 

 

CT Commercial Business Insurance

Any successful business owner is a smart business owner.  One of the smartest moves a business owner can make is investing in the proper business insurance policy. Too many times businesses fail because of inadequate insurance that fails to cover the firm when unfortunate events occur.  Don’t let your company fall to the same fate as other failed businesses have. Be smart and invest in CT Commercial Insurance before your business becomes a victim.

Commercial property insurance protects your business’s property, as well as inventory or assets, against loss or damage caused by theft, an accident or some other means. Your business property insurance covers you even if the property is away from your business’s location when it is damaged or lost. The policy covers your costs to replace or repair the property and can compensate you for items that cannot be replaced, but only in certain circumstances.

If you don’t own the building where your business is located, you’ll only need to cover the building’s contents. The basic commercial property insurance policy protects your investment in fixtures, furniture, office equipment, inventory and the supplies that you store either at your business location or off-site.  Business property insurance premiums will vary depending upon either cover replacement cost or actual cash value (ACV). A replacement-cost policy ensures that your settlement is based on what you will have to spend to replace the items at current market prices, while an actual cash value policy reimburses you for the property’s depreciated value.  Replacement-cost small-business property insurance policies have higher premiums, but because they allow you to replace all lost or damaged property with new items, such policies can assist in the your business’s swift recovery.

Hopefully your business never experiences an event that would result in lost property, but if it does, make sure your firm is covered with the correct CT Commercial Insurance from Paradiso Insurance today!

 

 

CT Workers Comp

Injuries at work are a very real possibility.  It doesn’t matter whether your business handles massive amounts of lumber, or massive amounts of email, anyone can get hurt at work.  Injuries are indeed more likely to occur in occupations that involve physical labor, but a person can easily throw-out their back if they slip on a wet floor in your office’s kitchen too. That’s why any business, small or large, needs adequate CT workers compensation.

Ct workers compensation most basic goal is to get an injured worker back to the workforce as soon as possible. This type of coverage provides your employees with peace of mind reassuring them that if an on-site accident did happen to occur, they would receive appropriate medical attention, without the financial burden.  As a good and smart business owner, having the correct and proper ct workers compensation insurance is vital in maintaining a healthy and successful business.

You are required by law to have ct workers compensation insurance coverage in compliance with state and federal regulations.  The numbers don’t lie; people are injured at work, so it is absolutely necessary to have the correct coverage. According to the U.S. Department of Labor, sprains and strains were the leading nature of injury and illness in every major industry sector in 2005. They accounted for 41 percent of all workplace injuries and illnesses requiring days away from work. The second most common nature of injury and illness in 2005 was the category bruises and contusions, followed by cuts and lacerations.  There was a decrease of 4 percent in sprains and strains from 2004, led by the manufacturing sector, which experienced an 8-percent decline. Sprains and strains declined by 7 percent in goods-producing industries and by 3 percent in service-providing industries.

Don’t let your business fall behind because of an injured employee.  Allow your ct workers compensation coverage to give you peace of mind and your employees the assistance they need.

 

 

 

 

 

 

Insuring a Timeshare with CT Homeowners Policy

Many companies, including specialists, provide coverage for mobile/manufactured homes by modifying a conventional homeowner policy with provisions called endorsements. The endorsements change key definitions and other elements of a conventional policy to fit a mobile or manufactured home situation. The result is a modified CT homeowners insurance package that protects the home, outbuildings (unattached garages, sheds, etc.) and personal property. They also provide insurance for personal liability. Regardless of the type of home you own or live in, it is important that you learn about the coverage options that are available. You may find that different policies vary considerably in coverage and price.

As a lucky owner of a timeshare arrangement, you may have a special coverage need. While insurance is readily available for individually owned seasonal or secondary residences, buildings, vacant land, or personal property; a timeshare arrangement may not be handled by standard homeowner coverage forms. Coverage gaps may exist because typical timeshare arrangements involve:

  • real property with multiple owners
  • living units that are often furnished with personal property that may be jointly or severally owned
  • living units which are occupied by several individuals or families who have control of all of the property during their time of occupancy
  • special agreements or stipulations that govern the property’s use.

Here are some steps to prepare for a discussion of your coverage situation:

1. Collect all of your timeshare-related paperwork, especially the contract that describes your ownership interest and obligations in the timeshare property.

2. Be open to securing more than one policy to cover the jointly owned property, any personal property that’s located at the residence, the joint liability exposure and any special assessments or liability assumptions agreed to under any contract.

3. Be reasonable about coordinating coverage needs among the timeshare’s other owners. Doing so will help make certain that all needs as met at the time coverage is initially purchased and later, should coverage circumstances change.

4. Be flexible. Proper coverage may have to be provided by a specially modified personal insurance contract or even some form of commercial coverage may be necessary.

Since coverage needs can vary substantially from one arrangement to the next. It is important that you discuss your current coverage needs with a qualified agent. Don’t leave the meeting with any unanswered questions. Ask that any points be fully explained to you in order to make sure that you’re protected adequately and affordably.

 

 

CT Commercial Insurance

Any successful business owner is a smart business owner.  One of the smartest moves a business owner can make is investing in the proper business insurance policy.  Too many times businesses fail because of inadequate insurance that fails to cover the firm when unfortunate events occur.  Don’t let your company fall to the same fate as other failed businesses have. Be smart and invest in CT Commercial Insurance before your business becomes a victim.

Commercial property insurance protects your business’s property, as well as inventory or assets, against loss or damage caused by theft, an accident or some other means. Your business property insurance covers you even if the property is away from your business’s location when it is damaged or lost. The policy covers your costs to replace or repair the property and can compensate you for items that cannot be replaced, but only in certain circumstances.

If you don’t own the building where your business is located, you’ll only need to cover the building’s contents. The basic CT Commercial Insurance policy protects your investment in fixtures, furniture, office equipment, inventory and the supplies that you store either at your business location or off-site.  Business property insurance premiums will vary depending upon either cover replacement cost or actual cash value (ACV). A replacement-cost policy ensures that your settlement is based on what you will have to spend to replace the items at current market prices, while an actual cash value policy reimburses you for the property’s depreciated value.  Replacement-cost small-business property insurance policies have higher premiums, but because they allow you to replace all lost or damaged property with new items, such policies can assist in the your business’s swift recovery.

Hopefully your business never experiences an event that would result in lost property, but if it does, make sure your firm is covered with the correct commercial property insurance.  Let Paradiso Insurance ensure your business’s success today.

 

 

A History of Thanksgiving

The tradition of the Pilgrims’ first Thanksgiving is steeped in myth and legend.  Few people realize that the Pilgrims did not celebrate Thanksgiving the next year, or any year thereafter, though some of their descendants later made a “Forefather’s Day” that usually occurred on December 21 or 22.  Several Presidents, including George Washington, made one-time Thanksgiving holidays.  In 1827, Mrs. Sarah Josepha Hale began lobbying several Presidents for the instatement of Thanksgiving as a national holiday, but her lobbying was unsuccessful until 1863 when Abraham Lincoln finally made it a national holiday.

Today, our Thanksgiving is the fourth Thursday of November.  This was set by President Franklin D. Roosevelt in 1939 (approved by Congress in 1941), who changed it from Abraham Lincoln’s designation as the last Thursday in November (which could occasionally end up being the fifth Thursday and hence too close to Christmas for businesses).  But the Pilgrims’ first Thanksgiving began at some unknown date between September 21 and November 9, most likely in very early October.  The date of Thanksgiving was probably set by Lincoln to somewhat correlate with the anchoring of the Mayflower at Cape Cod, which occurred on November 21, 1620 (by our modern Gregorian calendar–it was November 11 to the Pilgrims who used the Julian calendar).

There are only two contemporary accounts of the 1621 Thanksgiving:  First is Edward Winslow’s account, which he wrote in a letter dated December 12, 1621.  The complete letter was first published in 1622.

Our corn [i.e. wheat] did prove well, and God be praised, we had a good increase of Indian corn, and our barley indifferent good, but our peas not worth the gathering, for we feared they were too late sown.  They came up very well, and blossomed, but the sun parched them in the blossom.  Our harvest being gotten in, our governor sent four men on fowling, that so we might after a special manner rejoice together after we had gathered the fruit of our labors.  They four in one day killed as much fowl as, with a little help beside, served the company almost a week.  At which time, amongst other recreations, we exercised our arms, many of the Indians coming amongst us, and among the rest their greatest king Massasoit, with some ninety men, whom for three days we entertained and feasted, and they went out and killed five deer, which they brought to the plantation and bestowed on our governor, and upon the captain and others.  And although it be not always so plentiful as it was at this time with us, yet by the goodness of God, we are so far from want that we often wish you partakers of our plenty.

The second description was written about twenty years after the fact by William Bradford in his History Of Plymouth Plantation.  Bradford’sHistory was rediscovered in 1854 after having been taken by British looters during the Revolutionary War.  Its discovery prompted a greater American interest in the history of the Pilgrims.  It is also in this account that the Thanksgiving turkey tradition is founded.

They began now to gather in the small harvest they had, and to fit up their houses and dwellings against winter, being all well recovered in health and strength and had all things in good plenty.  For as some were thus employed in affairs abroad, others were exercising in fishing, about cod and bass and other fish, of which they took good store, of which every family had their portion.  All the summer there was no want; and now began to come in store of fowl, as winter approached, of which this place did abound when they came first (but afterward decreased by degrees).  And besides waterfowl there was great store of wild turkeys, of which they took many, besides venison, etc.  Besides they had about a peck of meal a week to a person, or now since harvest, Indian corn to that proportion.  Which made many afterwards write so largely of their plenty here to their friends in England, which were not feigned but true reports.

The primary sources above only list a few items that were on the Thanksgiving “menu”, namely five deer, a large number of turkeys and waterfowl, cod, and bass; plus the harvest, which consisted of wheat, corn, barley, and perhaps a few peas.  To that list, we can add a few additional things that are known to have been native to the area and eaten by the Pilgrims: clams, mussels, lobster, eel, ground nuts, acorns, walnuts, chestnuts, squashes, and beans.  Fruits and berries such as strawberries, raspberries, grapes, and gooseberries were available growing wild.  Pilgrim house-gardens may have included a number of English vegetables and herbs, perhaps things like onions, leeks, sorrel, yarrow, lettuce, carrots, radishes, currants, liverwort, watercress, and others.  It is unlikely much in the way of supplies brought on the Mayflower survived, such as Holland Cheese, olive oil, butter, salt pork, sugar, spices, lemons, beer, aqua-vitae, or bacon.  It appears the Pilgrims may have had some chickens with them, so likely had access to a limited number of eggs.  No mention of swine is found in any account of the first year.  They did not have any goats or cattle: the first of those arrived on the ship Anne in 1623.

The old “Popcorn Myth” would have us believe the Indians introduced the Pilgrims to popcorn at this Thanksgiving: but the Indian corn they grew was of the Northern Flint variety, which does not pop well.  It was parched to make a simple snack, and the Indians sometimes ground it up and mixed it with strawberries for a cake-like desert.  Potatoes and sweet potatoes had not yet been introduced to New England.

Courtesy of Mayflowerhistory.com

 

Take Care with Candles

We all love the aroma of a freshly lit candle in the home.  It adds an essence that nothing else can compete with.  From French vanilla to pumpkin spice, Christmas tree to beach sand, candles come in thousands of scents.  They are great for any occasion, but because they are an open flame, the risk of fire is always present.  Especially during the holiday season, fires started from candles can destroy any home. Hopefully your CT homeowners insurance will have you covered.

Even though their scents can put anyone in a great mood, the effects of candles aren’t all sweet and soothing. The use of candles may result in:

  • reducing the internal air quality of your home
  • increasing the chance of fire losses
  • damages by particulate deposits on interior and exterior walls, carpets, furniture, appliances, window treatments, floors and other surfaces.

So what’s the problem then? Actually, there are a number of problems and they have been accentuated by a change in the market for candles. The last few years have seen an explosive growth in the popularity of candles. They are increasingly used for their traditional, decorative purpose and they are now marketed as scented candles for deodorizing and for a health-related purpose called aromatherapy.

Soot, which is a carbon residue produced by burning, can create a large, expensive problem. Since soot is particulate matter that can be carried through the air, it can seriously stain walls, carpets, and personal property. Studies show that electronic and plastic components are also vulnerable to soot damage. Unfortunately, soot produced by improperly burning candles bonds very strongly, making it difficult to impossible to clean.

You may have assumed that the only materials found in candles were the wick and some type of wax. Hardly. Here’s a list of ingredients which may either be found in a candle or may be created during combustion:

  • Acetone Benzene Trichlorofluoromethane
  • Carbon disulfide 2 Butanone 1 1- Trichloroethane
  • Trichloroethene Carbon tetrachloride Tetrachloroethene
  • Toluene Chlorobenzene Ethylbenzene
  • Styrene Xylene Phenol
  • Cresol Cyclopentene Lead

Another surprise is that the candle-making industry is not required to tell consumers about the ingredients used in their products, including when a wick is used which contains a lead core.

 

So the next time you go to light that soothing Christmas candle, make sure you understand exactly what you’re lighting.  You don’t want to file a claim on your homeowners insurance policy because of a dangerous candle.

 

 

 

 

Surviving the Relatives This Holiday Season

Thanksgiving dinner is the least of it. It’s all those breakfasts and lunches for the visiting relatives, all those loads of towels and dishes that need to be washed, the messes the visiting kids make and having to be nice 24/7.

Honestly, I don’t know how we all do it over the holidays — with a smile no less — even when the guests are oh-so-annoying, the visiting toddler grinds cracker crumbs into the carpet, the tween refuses to eat anything she’s served and the uncle falls asleep on the couch, snoring loudly. Maybe it helps to know you’re not alone. AAA reports that millions of people will travel between Thanksgiving and the end of the year, most of them visiting family. That means there are a lot of beleaguered holiday hosts out there.

It’s not easy to be a guest either. I’ll never forget the Thanksgiving we accidentally left my son’s medication (for an ear infection) within reach of my toddler nephew. He and his parents spent several hours in the ER as a result.

Over the holidays, we tend to let down our guard and “ maybe we don’t pay attention as closely because we are catching up with friends and family, and everyone is sleeping less, is more fatigued and, therefore, more accident prone,” concedes Dr. Alison Tothy, the pediatric ER medical director at Comer Children’s Hospital at the University of Chicago and a spokesman for the American Academy of Pediatrics.

Perhaps that’s one reason Dr. Tothy says ER visits for children increase during the holidays. Be extra vigilant away from home, she suggests. And wash your hands — and the kids’ hands as much as possible to keep germs at bay.

Frankly, I’m glad when guests opt for a local hotel — and so are they, usually, because they can not only score a bargain over the holidays (check websites like www.hotels.com) but secure their own bathroom.

Of course, I love seeing my family, but it’s exhausting and stressful whether you’re the holiday host or the guest. “I wish the holidays could be more of a vacation than an obligation,” sighed one young married woman flying across the country to visit her husband’s family. Your Mantra: it won’t be perfect. Not the food. Not the kids’ behavior. Not the adults’ behavior. We’re talking about family, after all.

There will be squabbling cousins, know-it-all brothers-in-law, aunts who can’t resist criticizing your cooking and bored teens who make it clear they would rather be anywhere else. Let’s not forget the vegetarians, vegans and picky eaters who make every meal a challenge. Never mind what we think gatherings should be like. The reality is young kids are discombobulated by travel, unfamiliar surroundings and too much sugar; grown-ups are discombobulated by travel, overeating and over-drinking.

Keeping kids on some semblance of their regular schedule might help, says Dr. Tothy. “Kids thrive on routine and schedule,” she explains. And especially when divorced and stepfamilies are part of the mix, “Don’t try to force everyone to act like one big happy family,” suggests Dr. David Fassler, a child psychiatrist and professor of psychiatry at the University of Vermont. “Let the kids adjust and adapt at their own pace. You can expect them to be polite, but you can’t make people get along. Either it will happen or it won’t.”

I figure the holiday weekend is a success if we manage to get through it without some relative or another storming off angrily or a child collapsing in tears. Besides suggesting some of the (most annoying) relatives might be more comfortable at a nearby hotel, here are six tried-and-true tips for surviving the relatives this holiday season:

HIDE THE GLASS ANIMALS, especially if there are preschoolers or toddlers in the house. Are the electrical outlets covered? Medications stored high in a cabinet? Cleaning supplies locked up? Even baking ingredients such as vanilla and almond extract can be harmful to young children, as can holiday plants like mistletoe berries or poinsettias.

STOCK UP ON APPLE JUICE, peanut butter, pasta noodles, and whatever else your young guests are eating these days. Don’t be insulted if they won’t eat the fancy dishes you’ve slaved over. If you are the guest, offer to pick up what your kids can’t survive without. Offer flavored seltzer instead of pop. It won’t stain and doesn’t have sugar. Bring along a children’s cookbook (Amazon.com lists more than a thousand!) or if you’re hosting, have the ingredients for a favorite recipe your kids like to make and invite all of the children to help prepare a dish. Remember, the important thing is the conversation around the table, not what’s on the plates — or left behind when the meal is done.

CREATE A KIDS’ HANGOUT AREA, even if it’s just a portion of the den or living room with toys, a TV and a place to keep their “stuff.” Suggest the kids bring along a favorite movie. If your guests are driving, suggest they bring along favorite pillows, blankets and for the littlest ones, crib sheets, and night lights to make them feel more at home.

GET EVERYONE OUT OF THE HOUSE. No one will get on each other’s nerves as much if they’re not confined to small spaces. Send the gang to the zoo, the local ice-skating rink, children’s museum or playground, if it isn’t too cold. Many local museums offer special holiday activities.

SET THE GROUND RULES. No food on the couch, no teasing the dog, no disciplining anyone else’s kids. Don’t be shy about asking the kids to help either. Even 6-year-olds can make their beds (or roll up their sleeping bags) set the table or help with cleanup.

LEAVE THE EMOTIONAL BAGGAGE at the door. The holidays are not the time to air long-held grievances. When all else fails, bring out the chocolate Turkeys.

Courtesy of Fox News