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How to Make a Thanksgiving Basket for Needy Families

- Thursday, November 16, 2023
Lallis & Higgins Insurance - Thanksgiving Basket

Planning a Thanksgiving basket can be simple and fun, making it an ideal Thanksgiving activity to get the kids involved in.

Planning the Menu

The first thing to do is to plan the menu. If you know the family who is receiving your basket, then you can ask them about their favorite Thanksgiving dishes and create a custom menu for their basket.

If you are donating to a church or charity who will distribute the basket on your behalf, then think about the things you and your family enjoy on Thanksgiving.

Grocery Shopping

After you’ve planned your menu, you’ll need to turn it into a shopping list (more on that in a bit).

If you’re planning on making this a family tradition in your household, give each member of your family their own individual shopping list with items for them to find at the store, like a Thanksgiving scavenger hunt!

Packing the Basket

After you’ve finished shopping, place all your goodies in a basket or other vessel to deliver your donations in.

One popular suggestion is to purchase an inexpensive laundry basket to use as your ‘basket’. It will likely be big enough to fit all the groceries and can be used after Thanksgiving.

Thanksgiving Basket Items List

Many of the items suggested will require preparation of some kind. It should be understood that the family receiving your basket will have access to a kitchen to prepare the dishes.

Here a sample list of items to include in your Thanksgiving basket:

Shelf-Stable Foods

  • 1 Canned Ham
  • 1-2 Boxes of Stuffing Mix
  • 1 Box of Instant Potatoes
  • 2 Box of Macaroni and Cheese
  • 2 Canned Yams
  • Brown Sugar
  • 1 Bag of Marshmallows
  • 2 Canned Green Beans
  • 1 Can of Cream of Mushroom Soup
  • French Fried Onions
  • 2 Canned of Corn
  • 1-2 Canned Cranberry Sauce
  • 1-2 Jars of Gravy (Or packets)
  • 1 Cornbread Mix
  • 1 Dessert Mix (Pumpkin Pie Mix, Brownie Mix, Cake Mix, etc.)
  • 2 Jello Mix

The following ideas are optional, but make nice additions to your basket.

Beverages

  • Ice Tea Mix
  • Coffee
  • Bottled Juice
  • Drink Mix
  • Hot Cocoa Mix
  • Apple Cider (that doesn’t need to be refrigerated).

Disposable Plates/Utensils

  • Paper Plates
  • Plastic Utensils
  • Holiday Napkins or Paper Towels
  • Disposable Foil Pans

Grocery Gift Card

  • A grocery gift card isn’t required, but it’s a nice addition for a family in need. This will allow them to buy any additional fresh ingredients they’ll need to prepare their Thanksgiving dinner.

Source: gatheredagain.com


Healthy Habits to Help Protect Against Flu

- Wednesday, November 08, 2023
Lallis & Higgins Insurance - Flu

The single best way to reduce the risk of seasonal flu and its potentially serious complications is to get vaccinated each year, but good health habits like avoiding people who are sick, covering your cough and washing your hands often can help stop the spread of germs and prevent respiratory illnesses like flu. There also are flu antiviral drugs that can be used to treat and prevent flu.

The tips and resources below will help you learn about actions you can take to protect yourself and others from flu and help stop the spread of germs.

  1. Avoid close contact.
    Avoid close contact with people who are sick. When you are sick, keep your distance from others to protect them from getting sick too.
  2. Stay home when you are sick.
    If possible, stay home from work, school, and errands when you are sick. This will help prevent spreading your illness to others.
  3. Cover your mouth and nose.
    Cover your mouth and nose with a tissue when coughing or sneezing. It may prevent those around you from getting sick. Flu viruses spread mainly by droplets made when people with flu cough, sneeze or talk.
  4. Clean your hands.
    Washing your hands often will help protect you from germs. If soap and water are not available, use an alcohol-based hand rub.
  5. Avoid touching your eyes, nose or mouth.
    Germs can be spread when a person touches something that is contaminated with germs and then touches his or her eyes, nose, or mouth.
  6. Practice other good health habits.
    Clean and disinfect frequently touched surfaces at home, work or school, especially when someone is ill. Get plenty of sleep, be physically active, manage your stress, drink plenty of fluids, and eat nutritious food.

Source: https://www.cdc.gov/


Halloween Candy Treats: Better Safe Than Scary

- Tuesday, October 31, 2023
Lallis & Higgins Insurance - Halloween Candy Treats

Even though it’s not an official holiday, Halloween is much beloved by children and adults alike. What’s not fun about trick-or-treating, apple bobbing, or costume parties? Answer: foodborne illness, also called food poisoning.

To make sure treats are safe for children, follow these simple steps:

  • Snacking: Children shouldn’t snack on treats from their goody bags while they’re out trick-or-treating. Give them a light meal or snack before they head out – don’t send them out on an empty stomach. Urge them to wait until they get home and let you inspect their loot before they eat any of it.
  • Safe Treats: Tell children not to accept – and especially not to eat – anything that isn’t commercially wrapped. Inspect commercially wrapped treats for signs of tampering, such as an unusual appearance or discoloration, tiny pinholes, or tears in wrappers. Throw away anything that looks suspicious.
  • Food Allergies: If your child has a food allergy, check the label to ensure the allergen isn’t present. Do not allow the child to eat any home-baked goods he or she may have received.
  • Choking Hazards: If you have very young children, be sure to remove any choking hazards such as gum, peanuts, hard candies, or small toys.
  • Bobbing for Apples: This is an all-time favorite Halloween game. Here’s a way to say “boo” to bacteria that can cause food borne illness.
  • Reduce the number of bacteria that might be present on apples and other raw fruits and vegetables by thoroughly rinsing them under cool running water. As an added precaution, use a produce brush to remove surface dirt.

If your idea of Halloween fun is a party at home, don’t forget these tips:

  • Beware of spooky cider! Unpasteurized juice or cider can contain harmful bacteria such as Salmonella. To stay safe, always serve pasteurized products at your parties.
  • No matter how tempting, don't taste raw cookie dough or cake batter that contains uncooked eggs.
  • Serving hot foods? Cook everything to a safe minimum internal temperature to ghost bust any foodborne illness bacteria.
  • Scare bacteria away by keeping all perishable foods chilled until serving time. These include finger sandwiches, cheese platters, fruit or tossed salads, cold pasta dishes with meat, poultry, or seafood, and cream pies or cakes with whipped-cream and cream-cheese frostings.
  • Bacteria will creep up on you if you let foods sit out too long. Don’t leave perishable goodies out of the fridge for more than two hours (1 hour in temperatures above 90°F (32°C)).

Source: foodsafety.gov


Beginner’s Guide to Buying a Snowmobile

- Tuesday, October 24, 2023
Lallis & Higgins Insurance - Beginner’s Guide to Buying a Snowmobile

So, you're ready for your first snowmobile? It's not easy watching your buddies post pictures and videos on Facebook of their latest trip out to the mountains and not develop a want to try it out yourself too. There are a lot of options out there for snowmobiles. Choosing the right one to be your first sled can be a little intimidating.

So how does one choose the right snowmobile? There are a few questions to ask yourself:

What type of riding will you be doing?

Will you be pulling your fish house out to the middle of the lake? Cruising through powder on your way up the mountain? Is your dream to become the next 509 sponsored rider like Brett Turcotte, Chris Burandt, Cody Borchers, Riley Suhan or Nadine Overwater? Or will you just be putzing around your yard (doing donuts!), pulling your kids on the sled, making trips to the corner store when you don't want to shovel out your truck? You want to find the snowmobile that will best fit the type of riding you intend to do.

For absolute beginners, there are snowmobiles called entry-level snowmobiles.

These are often called trail models. These snowmobiles come equipped with engines ranging from 60-70 horsepower, are easy to ride and relatively inexpensive. They can be equipped with electric start for easy starting, as well as electric reverse for better maneuverability. These snowmobiles are very light and easy to handle and serve as a great way to ease into snowmobiling.

Performance snowmobiles, like performance automobiles, feature slightly higher horsepower engines. The engines generate 85 horsepower and up. These vehicles are slightly heavier than the entry-level vehicles due to engine size differentiation and additional weight related to suspension systems, shock absorbers and more. These vehicles are often equipped with reverse gear and electric start, and are much more responsive and performance oriented.

Touring snowmobiles feature a seat configuration that is designed for up to two individuals, and some features a backrest for added comfort. Touring models usually include side-mounted mirrors, larger windshields, reverse gear and electric start. These vehicles are larger and heavier than both performance and entry-level snowmobiles and are designed for riding long distances in comfort. The track length of a touring vehicle is also greater. This longer track length cushions your ride, adds stability for two people and provides more comfort and weight.

Mountain snowmobiles, made specifically for mountain riding, tend to be longer and narrower. The vehicle configuration allows for riding hillside in mountainous terrain and through heavy powder. The vehicles have specially designed long lug tracks, which allow them to maneuver through heavy, deep powder conditions. These vehicles generally have high horsepower engines, since horsepower is lost at higher elevations. The riding characteristics of a mountain snowmobile generally lend it to better handling abilities in mountain riding over trail riding.

How much are you willing to spend?

This will determine if you buy new or used. Buying a new sled will ensure you have a warranty in case you run into any issues. Keep in mind that you will also need to budget for other expenses in addition to the sled itself (sled accessories, riding gear, permit, insurance, fuel, etc.).

Pre-owned Snowmobiles at Precision Boats in Idaho Falls

Newer isn’t always better. Sometimes having a sled that is broken in will make for an easier ride your first time. If you have concerns about purchasing a used snowmobile, please give us a call or stop by to ask questions. We will always make sure your sled is good to go and be here for when you run into a tree and need us to fix it! We have the best snowmobile repair mechanics in this area. All of our technicians ride their sleds on the weekend and will know the best and fastest way to get you back riding on your snowmobile.

If you're ready to take the dive and want to start fresh, Precision Boats stocks the newest and latest models by Arctic Cat. Check out the brand new 2019 editions of Arctic Cat Snowmobiles here.

Do you have your license and permit?

Every snowmobile state and province requires that your snowmobile be properly licensed or registered. Licensing information is available through your state snowmobile association and through your local state natural resource office or highway department. Licensing requirements for driving a snowmobile vary from state to state and that information is available from your state snowmobile association.

It is always recommended that first-time riders attend a safety class, and also review the Safe Riders website for snowmobile tips and instructions that highlight the importance of snowmobile training.

Source: precision-performance.com


National School Bus Safety Week

- Monday, October 16, 2023
Lallis & Higgins Insurance - School Bus

Many students rely on school buses to get them to and from school safely.

Did You Know: School buses are the most regulated vehicles on the road; they’re designed to be safer than passenger vehicles in preventing crashes and injuries; and in every state, stop-arm laws exist to protect children from other motorists.

If you are driving, remember these simple rules:

  • Yellow flashing lights indicate the bus is preparing to stop to load or unload children. You should slow down and prepare to stop your vehicle.
  • Red flashing lights and extended stop arms indicate the bus has stopped and children are getting on or off. You must stop your car and wait until the red lights stop flashing, the extended stop-arm is withdrawn, and the bus begins moving, before you can start driving again.
  • Even when lights aren’t flashing, watch for children, particularly in the morning or mid-afternoon, around school arrival and dismissal times. Be alert as you back out of a driveway, or drive through a neighborhood, school zone or bus stop.

Parents - talk bus safety with your children:

Your child should arrive at the bus stop at least 5 minutes before the bus is scheduled to arrive. Teach them to play it SAFE:

  • Stay at least ten feet — five giant steps — away from the curb.
  • Always wait until the bus comes to a complete stop and the bus driver signals for you to board.
  • Face forward after finding a seat on the bus.
  • Exit the bus after it stops and look left-right-left for cars before crossing a street.

Source: nhtsa.gov


Home Inflation

- Tuesday, October 10, 2023
Lallis & Higgins Insurance

Gas, food, rent- Like all else, there is no shortage of reasons your home insurance rates may have gone up, but the likely culprit in 2023 is the higher-than-average labor and construction costs due to inflation and expensive natural disasters. The same inflationary pressures that are driving up your grocery bill are now driving up your homeowner insurance rates as well. To put it simply; It is costing more and taking longer to repair your home, increasing the average cost per claim and ultimately the cost of homeowner’s insurance for everyone.

Inflation has reached its highest level in decades. Nationwide, the average cost of homeowner’s insurance has increased by 9% on top of a 12.6% increase in 2022. From worsening hurricane and wildfire seasons, the home insurance industry has experienced record-setting claim payouts and financial losses over the past few years. As a result, many insurance companies are increasing rates to pay for losses and to ensure they don’t go bankrupt after future climate disasters.

It isn't just homes at risk of hurricanes or wildfires that are paying more for insurance. As climate change continues to alter weather patterns all over the country, certain areas that insurers used to consider to be low risk are now viewed as the opposite, and homeowners in these areas may suddenly be seeing steep premium hikes as a result.

During this time especially, it’s important to know and understand the different factors that go into determining the cost of your insurance. Factors such as the age of your home, building material, square footage, coastal proximity, home security features and coverage limits, endorsements and discounts all play a contributing role.

As insurance agents, “Why did my homeowner’s insurance increase?” has been our most recently asked question. To help alleviate some of the premium increases we suggest the following:

  1. Increase your deductible.
  2. Install security devices.
  3. Take advantage of discounts you qualify for
  4. Avoid making small claims.

At Lallis & Higgins, we empathize and feel the pains of rising insurance costs - our families included. We want to help you understand the reasons behind rate increases, help you to save money whenever possible, while ensuring you are maintaining the proper coverage in the event of a claim. We are more than happy to review your homeowners’ coverage, discuss potential discounts and discuss any of your concerns. Working with Lallis & Higgins we promise to give you and your family the peace of mind that we can offer knowledgeable service, flexibility in our pricing and coverage, and are commited to helping the community.

We are honored to be your independent agent as well as maintaining your trust and support, especially during these times.


Breast Cancer Awareness Month: What Are the Symptoms of Breast Cancer?

- Wednesday, October 04, 2023
Lallis & Higgins Insurance - Breast Cancer Awareness

Different people have different symptoms of breast cancer. Some people do not have any signs or symptoms at all.

Some warning signs of breast cancer are—

  • New lump in the breast or underarm (armpit).
  • Thickening or swelling of part of the breast.
  • Irritation or dimpling of breast skin.
  • Redness or flaky skin in the nipple area or the breast.
  • Pulling in of the nipple or pain in the nipple area.
  • Nipple discharge other than breast milk, including blood.
  • Any change in the size or the shape of the breast.
  • Pain in any area of the breast.

Keep in mind that these symptoms can happen with other conditions that are not cancer.

If you have any signs or symptoms, be sure to see your doctor right away.

What Is a Normal Breast?

No breast is typical. What is normal for you may not be normal for another woman. Most women say their breasts feel lumpy or uneven. The way your breasts look and feel can be affected by getting your period, having children, losing or gaining weight, and taking certain medications. Breasts also tend to change as you age.

What Do Lumps in My Breast Mean?

Many conditions can cause lumps in the breast, including cancer. But most breast lumps are caused by other medical conditions. Two common causes of breast lumps are fibrocystic breast condition and cysts. Fibrocystic condition causes noncancerous changes in the breast that can make them lumpy, tender, and sore. Cysts are small fluid-filled sacs that can develop in the breast.

Source:CDC.gov


How to avoid car collisions with animals

- Tuesday, September 26, 2023
Lallis & Higgins Insurance Car Collision with a Deer

Give wildlife a “brake” and lower your risk of hitting an animal

Wild animals are forced to cross roads and highways in search of food, water, cover and mates—placing them in the path of our speeding vehicles. Each year, there are roughly 1.5 million vehicle collisions just with deer on U.S. roadways.

How can I avoid hitting an animal with my car?

First and foremost, slow down! Keeping your speed in check gives you a better chance of stopping in time if an animal darts into the road.

  • Follow speed limits. Many animals are hit simply because people drive too fast to avoid them. Taking it slow makes the roads safer for other drivers and pedestrians, too.
  • Watch for wildlife in and near the road at dawn, dusk and in the first few hours after darkness. Keep in mind that where there is one animal, there are probably others—young animals following their mother or male animals pursuing a female.
  • Be especially cautious on two-lane roads bordered by woods or fields, or where streams cross under roads. Most animal/vehicle collisions occur on these roads. Slow down to 45 mph or less.
  • Scan the road as you drive, watching the edges for wildlife about to cross. This will also make you more aware of other hazards such as bicyclists, children at play and slow-moving vehicles.
  • Don’t throw trash out car windows. Discarded food pollutes the environment and creates a hazard by attracting wildlife to the roads.
  • Use your high beams whenever possible.
  • Lower your dashboard lights slightly. You'll be more likely to see your headlights reflected in the eyes of animals in time to brake.

How can I help an injured animal?

Sometimes collisions are unavoidable, no matter how careful we are. Here's what to do if you hit an animal or come across an injured one.

  • Do not put your own safety at risk. Unless you can move the animal from the road in absolute safety, do not attempt to do so. Use your hazard lights or emergency road flares to warn oncoming traffic of the injured animal. Never attempt to handle a large animal like a deer, or one that could give a serious bite, like a raccoon.
  • Call someone with the proper training and equipment. When you need assistance, call the non-emergency number of the local police department (program the phone number into your cell phone right now so you have it when you need it) and describe the animal's location. Emphasize that the injured animal is a traffic hazard to help ensure that someone will come quickly. Stay in the area until help arrives.
  • Use heavy gloves to protect yourself or avoid direct handling if you try to rescue a small animal yourself. Remember that the animal doesn't know you are trying to help and may bite or scratch in self-defense. An old towel is helpful if you need to move an injured animal.
  • Gently coax or place the animal into a cardboard box and transport him/her to an animal shelter, wildlife rehabilitator or a receptive veterinarian. If there is a delay, keep the animal in a dark, warm, quiet place to minimize fear and stress.
  • If you accidentally kill an animal, try to move the animal off the road—but only if you can do so in complete safety. Otherwise, report the location of the animal's body to the local police department, and it will arrange for removal. This will prevent scavengers from being attracted onto the road and eliminate a potential traffic hazard.

Source: humanesociety.org


Essentials to Keep in Your Car

- Tuesday, September 19, 2023
Lallis & Higgins Insurance - Car Interior

Your car is your home away from home. Stay safe with the correct tools and gear to help you in a jam. Below is a list of Things to keep in your car:

Jumper cables

Don’t assume the person who stops to help will have cables. Or you may be called on to help someone else. This dead-battery remedy can be a whole lot faster than waiting for the garage guy you call—and cheaper too.

Car registration

Chances are it’s in your glove compartment, but maybe you removed it to prevent identity theft. Check your state’s laws, as you may be required to have it in your vehicle at all times.

Owner’s manual

Full of handy information if something suddenly goes awry, and when else do you need it but when you’re with your car?

Flashlight

As helpful for finding a contact lens as it is for changing a tire on a moonless night. Get a crank-style so that you don’t have to think about batteries.

Fire extinguisher

Again, this comes in handy for mishaps at home as well as any that happen in the car. There are automotive versions that don’t take up much room.

Multitool

Almost a toolbox in your hand, this nifty item is like a Swiss Army knife and then some, with a mini saw, scissors, wire cutters, screwdriver, bottle opener, and more.

Duct tape

Still a go-to for temporary fixes to hold that muffler or mirror in place till you get to the garage.

Emergency warning triangles

Unlike flares, they’re reusable. The bright orange is visible by day and the brilliant reflectors by night. They fold down flat when not in use, though we hope you’ll never need them.

Emergency escape tool

The two-in-one tool fits in the palm of your hand and can cut a seatbelt or break a window. It should come with twin hammerheads to shatter and then clear the glass. Keep it in your glove compartment.

First-aid kit

You might need more than that old adhesive bandage tucked in your wallet if you ding yourself while changing a tire or your kid scrapes a knee at the park. Get a kit from an organization like the Red Cross. It should have all the small necessities, including sterile gauze pads, antiseptic wipes, Band-Aids, and scissors.

  • Disinfectant face wipes: Useful for sticky hands or faces or when you need to sanitize quickly. Also prevents having to break into the first-aid kit.
  • Work gloves: Protect your hands when tugging at a tire or touching engine parts.
  • Cellphone charger: Maybe you carry one all the time, but for those instances when you forget it, you’ll be glad for the backup.
  • Paper maps: Cloudy skies, a remote location, even an accident that blocks the road can hinder the effectiveness of your GPS. A road atlas will do the job wherever you find yourself; at the very least, pick up maps for your immediate environs.
  • Change of shoes: Sneakers or flats are a boon if you get stuck in a muddy environment or on your way home from a fancy party.
  • Poncho: Besides keeping you dry during an unexpected rainstorm, you can use it to protect the seat from a damp passenger.
  • Mylar blanket: Hey, this takes up hardly any space, so why not? Alternatively, you can keep an old comforter or a large bath towel in the trunk.
  • Small money: A few small bills—two tens and a couple of fives—and a roll of quarters provide backup if you lose your wallet or discover you’re out of cash.
  • Carpet remnant: For tire traction in extreme mud or snow.
  • Paper products: Paper towels are good for cleaning up messy spills and such. A box of tissues gently takes care of the smaller stuff. While you’re at it, a small notepad and a pen are a good idea, in case you need to fix a note to the windshield (with that duct tape) or hand out a phone number.
  • Plastic bags: Throw the used paper products in one, then dump them when you get home or to a rest stop. Also good for muddy shoes or a carsick passenger.
  • Matches: Necessary at one time or another. They’re safer to tote and more dependable than a lighter. Stow in a plastic sandwich bag to maintain their effectiveness.
  • Food and drink: Stock nonperishable, non-melting snacks like energy bars or dried fruit. Water bottles are fine in cool months but never in warm weather as heat causes the plastic to break down and release harmful elements into the water. Before you leave the driveway, place some bottles in the trunk in a small cooler with a few reusable ice packs.

Source: thisoldhouse.com


Vehicle Maintenance for the Fall

- Tuesday, September 12, 2023
Lallis & Higgins Insurance - Vehicle Maintenance

Review the following fall vehicle maintenance checklist to ensure your car is in tiptop shape!

1. Check your oil.

Oil keeps your engine happy, and the engine keeps your car running, so this one is very important! If your car is older, you will have a dipstick under the hood where you can manually check your oil levels. Some newer cars only allow you to check oil levels through the in-car computer, so you will have to reference your user manual if you’re not sure how to check your oil. If you’re oil levels are low, it’s important to make sure that you add more oil or take it a shop for an inspection.

2. Check your tire pressures & tread depth.

Making sure that your tires are in good shape is not only a way to save money by increasing your gas mileage, but tires in poor condition can also be a major safety issue. Over time, it’s not uncommon for tires to lose a bit of air, so if your tire pressures are low it may not be an immediate cause for concern. Give your tires a good visual inspection and make sure that the tire has no punctures. Check to make sure that the tire has a good amount of tread all around and that there are no uneven wear patterns on the tire. If you notice low-depth or uneven wear patterns, it might be time for a tire rotation, or perhaps a new set of tires.

3. Check the exterior lights and signals.

As the days get shorter, this one is especially important since you will most likely find yourself driving more at nighttime. Take some time to turn on your headlights, the high beams, and brake lights to ensure they are all working. Remember that if you notice your turn signal blinking quicker than normal, that this might mean that one of your lightbulbs is out.

4. Give your car a good car wash and wax.

The sunshine can be harsh on the exterior of your car! Giving your car a good car wash will help your car feel fresh again, it will also help remove things like sap, or magnesium chloride from the paint. Waxing the car will make sure that the exterior of your car stays in prime condition as long as possible.

5. Replace Windshield Wipers & Top Off Washer Fluid.

The sun can also cause windshield wipers to crack, which means you might not be able to count on them come our first big snow storm of the season. Replace your windshield wipers and top off your washer fluid to make sure your ready for winter. This is also a good time to give a good visual inspection to your windshield.

6. Check coolant and brake fluid levels.

The brake and coolant fluids might be a bit more challenging to check than just checking the oil, but they are both important. The coolant keeps your engine running at optimal temperatures, and brake fluids will ensure that your brakes are working effectively. A quick Google search or peek in your owner’s manual can help you find the specifics on checking these fluid levels in your car.

Your car is important, and winters can be unpredictable! Do these quick six maintenance checks, and you’ll be well on your way for a winter of safe driving.

Source: quicksetautoglass.com



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