Summer Grill Techniques

It’s National Hot Dog Day so we thought it would be best to share some quick tips for summer grilling and tasty recipes to go along with your hot dogs!stephanie-mccabe-92133

Tips

Don’t put cold meat on the grill

If you put a refrigerated piece of meat on the grill without letting it thaw to a higher temperature can keep it from evenly cooking. According to theKitchn.com, you should place steaks in warm water for 30 to 60 minutes prior to cooking. Don’t let them sit past the point of reaching 100 degrees otherwise it could be susceptible to bacteria.

Make sure your grill is clean

Clean your grill after each use, as it is easiest to clean when it’s still warm. You don’t want your foods to mingle because you cooked fish one night and pork the next.

Don’t move the meat too much

According to Food Network, it’s unnecessary to flip the meat or move it too much while grilling. This goes especially for steak. By constantly flipping a steak you aren’t allowing the juices to stay locked into the meat and could end up with a drier taste.

Recipes

One of our Marketing and Communication Coordinator’s favorite side dishes in the world, especially when grilling, is potato salad. Rachel’s mom is from the south and as such it has always been a staple dish. To make the dish:

You’ll need

4 yukon potatoes

4 eggs

¼ cup of bread and butter pickles, diced

¼ cup of bread and butter pickle juice

¼ cup of Vidalia onion, diced

½ cup of mayonnaise

Salt and pepper to taste

Instructions

  1. Bring a pot of water to boil. Dice potatoes and place in pot with eggs. Cook until tender and drain.
  2. Peel and chop eggs.
  3. In a large bowl mix all ingredients. Mixture can be placed in a large serving dish and placed in the fridge until ready to serve.

Another Potential side dish is cole slaw. This recipe from Food & Wine is quick and easy to make.

You’ll need

1 cup of mayonnaise

3 table spoons of cider vinegar

1 tablespoon of whole grain mustard

¾ teaspoon celery seeds

12 cups of shredded cabbage

2 shredded carrots

Salt and Pepper

  1. In a bowl mix the mayonnaise, vinegar, mustard, celery seeds, salt, and pepper.
  2. Toss cabbage and carrots in mixture
  3. Refrigerate for 30 minutes before serving.

Insurance Myths Debunked

When it comes to insurance it can be hard to distinguish what’s a myth and what’s the truth. Did your mother once tell you that she couldn’t buy you the red car of your dreams because the insurance would be higher? Did you get a ticket while on vacation in Georgia and think it won’t follow you home to Florida? Here are some common myths in the insurance world and the hard facts about them all.

Red cars are more expensive to insure

 Despite their inherently flashy nature in reality color isn’t a factor in determining insurance cost. According to Esurance, the most important factors that influence your premium are your driving record, age, marital status, gender, and where you live. If a red car is your dream don’t worry about it increasing your insurance costs!

If someone borrows your car and damages it then their insurance covers it

We’ve previously done a blog about how insurance is determined when you borrow a car or lend someone yours. If you give an individual permission to borrow your car then your insurance coverage will follow them in case of an accident.

Purchasing insurance for a home? Base it on real estate market value

 According to Insurance Journal, this is a myth that more than half of the individuals surveyed thought was true. Rather than using the real estate market value to determine your insurance needs you should figure out the cost of rebuilding. According to the Wall Street Journal, having a homebuilder walk through and estimate the cost of a rebuild (and taking into consideration furnishing) is an effective way to ensure you’re getting proper coverage.

Out-of-state speeding tickets can’t follow you to your home state

 This myth may seem more like a wish especially when a ticket comes at the end of a vacation, but make sure you’re taking care of tickets. The DMV website claims not only are states probably sharing driver database information, but your home state could end up penalizing you for lack of payment. It could be tempting to ignore the ticket, but in the end it will catch up to you.

You can only sign up for health insurance during the open enrollment period

While in most cases you will be penalized for not purchasing insurance during the open enrollment period there are some exceptions. If you have a life event that qualifies you for the Special Enrollment Period, such as, getting a new job, having a baby, or getting married then you can sign up outside of the enrollment period.

Summer Boating Must Haves

Summer officially began last week and with it comes boating season! If you’re lucky enough to own a boat, have friends or family with a boat, or get the opportunity to rent one then you know the amazing feeling of being out on the water in the sunshine. If you truly want to the make the most of your experience make sure you have the things on this list.

Sunscreen

There’s nothing worse than a carefree day on the boat that turns into a painful night with red, burnt skin. Make sure you pack your sunscreen before you head out. According to the American Academy of Dermatology, you should choose a sunscreen with SPF 30 or higher. Apply the sunscreen at least 15 minutes before going outdoors as that is the amount of time it takes your skin to absorb the sunscreen. The rule of thumb is to reapply the sunscreen at least every two hours, but if you’re swimming make sure to apply a layer as soon as you get out of the water.

Water

We’re not telling you there’s no room for a few cold beers or margaritas, but it’s extremely important to make sure you’re hydrated while you’re out in the sun all day. There’s a good chance you’ll be sweating a lot so the average amount of water you should drink (eight cups) may be inadequate. Try to drink enough to prevent being thirsty in the first place.

Flotation Devices

It is required by Florida law for each person on your watercraft to have a personal flotation device. The risk of your boat capsizing and not having protection for all your passengers is not worth it.

Snacks

It’s no secret that being out in the sun can make you hungry. Some snacks we suggest are pre-made sandwiches, chips, water-rich fruits and veggies, trail mix, and granola bars. Try to avoid overly salty foods.

Call us today, 352-371-7977, if you need boat insurance, and have fun out there this summer!

Water Activities in Gainesville

Today is officially the first day of summer! With temperatures in June averaging 90 degrees and 91 degrees in July, according to usclimatedata.com, it’s tempting to beat the heat by hiding indoors with the blinds drawn closed. Luckily, we’ve outlined some fun water activities in and around Gainesville. These activities are great for families to enjoy when the sun is shining and hot!

Devil’s Den Spring

Devil’s Den is located in Williston, Florida about 30 minutes outside of Gainesville. It’s a natural spring that is privately owned. The owners do not offer public swimming but do offer scuba diving and snorkeling to the public for a fee. According to the Devil’s Den website, the cost of admission to Devil’s Den is $15/person Monday-Friday and $20/person on weekends and holidays. If you need to rent snorkel equipment it is $10/person for a snorkel, mask, and fins. Devil’s Den is a great way to cool off in 72-degree water. They are open every day from 8 a.m. to 6 p.m. except for Christmas day when they are closed.

Bob’s River Place

Bob’s River Place is a family friendly swimming hole on the Suwannee River in Branford, Florida. The swimming hole offers amenities such as, water slides, rope swings, jumping platforms, picnic tables, pavilions, and areas to barbecue. The cost of entering the area where Bob’s is located is $25/vehicle for the entire day. There are no additional costs and tons of fun things to do. Bob’s is open from 11 a.m. to 6 p.m. seven days a week.

waterAlachua Spray/Splash Park

Located at the Hal Brady Recreation Center in Alachua, Florida, the Spray/Splash Park is a blast for a family with small children. The facility is open from dawn to dusk daily and free to the public, according to the Visit Alachua website. If you’re interested in using any of their facilities between 10 a.m. and noon for private parties they must be reserved.

Ginnie Springs

Ginnie Springs is one of the highlights of summer in Florida. Located in High Springs, Florida, Ginnie Springs is perfect for tubing, swimming, and snorkeling. The park is open Monday-Thursday from 8 a.m. to 7 p.m., Friday-Saturday 8 a.m. to 10 p.m., and Sunday 8 a.m. to 8 p.m. According to the Ginnie Springs, admission costs $14.02 per adult, $3.63 for children six to 12 years old, and free for children below 5 years of age. If you’re interested in tubing feel free to bring your own tube or rent one for $5.60.

Don’t let the summer heat keep you inside this year!

Term vs. Whole Life Insurance

When it comes to buying life insurance there are two routes to go, term and whole life insurance. According to our Financial Insurance Advisor, Nick Deas, the simplest way to consider these two types of insurance are as follows: term life insurance is similar to renting an apartment while whole life is like buying a house. For most people it is a budgetary decision on which works best. We’ve broken down the two insurances below to give you a better idea of what works best for you.

family life insurance

Term Life Insurance

Now that we’ve made the comparison of term life insurance, it’s time to understand some of the advantages and disadvantages. Term life insurance provides coverage for a defined period of time, such as 10, 15, 20, 25 or 30 years. As a term insurance policyholder you pay an annual premium amount for the defined period of time and the insurer, or the company you purchased your policy through, will pay your beneficiaries the pre-determined policy amount. It is affordable for most young and healthy individuals, and as life expectancy increases prices decrease. One of the biggest drawbacks to term insurance is pay out only occurs approximately four percent of the time. Don’t worry if you got term and now you want to switch to whole life. Term is generally convertible to meet your needs.

Whole Life Insurance

In a whole life plan, the money put into a whole life plan is after tax dollars. Pulling money out of the account is not penalized on a whole life policy. The money is important to have throughout your life and especially when your kids are still on your tab. Your life insurance policy may pay your child’s college tuition if there is a tragedy ends with a pay out. As you get older the amount of money you need is not as great, but some source of money will be needed to cover funeral expenses and other post mortem costs.

These types of insurance are not exclusive and are stackable to get maximum coverage. Understand that life insurance premiums are a commitment and as such they require payment year after year to benefit you. If you have any other questions about your insurance give Nick a call at 352-371-7977 or email him at nick@mcgriffwilliams.com