February 2018

Worth Quoting

This month, some famous quotes on the topic of design:

Design is not just what it looks like and feels like. Design is how it works.
-Steve Jobs

A designer knows he has achieved perfection not when there is nothing left to add, but when there is nothing left to take away.
-Antoine de Saint-Exupery

Every contrivance of man, every tool, every instrument, every utensil, every article designed for use, of each and every kind, evolved from a very simple beginnings.
-Robert Collier

Design is not for philosophy, it’s for life.
-Issey Miyake

Design works if it’s authentic, inspired, and has a clear point of view. It can’t be a collection of input.
-Ron Johnson

Will a Claim Raise My Car Insurance Premiums?

You’ve been in an accident. What are your initial thoughts?

If you’re like many vehicle owners, your mind quickly turns to the financial ramifications of the incident: “How much will repairs cost?” “If I make an insurance claim, will this accident increase my premiums?”

Too often, car owners don’t file a claim for fear of potential rate increases.

The truth is, filing a claim may or may not increase your premium, as there are several factors that can affect this situation.

The Accident: How severe was the accident? Was it a fender bender or a major crash? If the damage was great, it’s more likely to lead to a premium increase.

The Fault: Who was at fault in the accident? If you were at fault, it’s more likely your rates will go up. Often if the fault lies with the other driver, your rates will not be affected.
In some areas, both insurance companies will pay for some of the costs as a result of “no fault” regulations in those areas. Your insurance carrier will determine if the incident results in an increase.
The Record: Is this your first accident? If you have a safe driving record and have been with your insurance company for a long time, you are less likely to experience a premium increase.
If it is your first accident, you also may be eligible for accident forgiveness.

If you suffer any vehicle damage, it’s always a good idea to discuss your repair and replacement needs with your insurance agent.

He or she can help you determine the next best steps and walk you through the process of filing a claim.

And remember, keeping your record clean of accidents and traffic violations will allow you to have the lowest possible premiums.

Chocolate Strawberry Panna Cotta

This romantic Valentine’s Day dessert

Serves 6
3 cups frozen strawberries thawed in a strainer

1 3/4 cup buttermilk

6 tablespoons sugar

3 1/2 teaspoons powdered gelatin

1/4 cup whole milk

1/4 cup heavy cream

Store-bought chocolate sauce to taste

Directions

Blend together strawberries, buttermilk, and sugar until smooth, then pour through a fine sieve into a medium bowl.

In a separate small bowl, add gelatin to the whole milk and let stand.

Bring the cream to a simmer, remove from heat, and add the gelatin mixture. Stir until dissolved.

Whisk together cream and buttermilk mixtures, then pour evenly into 6 small stemmed glasses. Chill for at least 8 hours.

Serve with a fresh strawberry and drizzle chocolate sauce on top.

Clients Morrie and Bev Frazier are pictured above with daughter Molly Mandal (middle). They are owners of a Dream Vacations franchise helping people experience memorable vacations. They can be reached at (800) 499-4336.