A little trick… a little treat…


insurance-trick-and-treatSince tomorrow is Halloween, I thought I’d share a little trick regarding your insurance policies… and then a little treat.

The Trick: Recently, I’ve had the opportunity to review the insurance policies of quite a few prospective clients. On several of them, there were what might be considered “minor” errors when, in fact, they are more significant than the insured may realize. Take a look at your own policies… something as little as a transposed house number (1243 instead of 1234) on a homeowners policy could delay a claim as it appears that the policy is covering the wrong house! Or marital status incorrectly stated on an auto policy could affect rates. As they say (and I’ll say it since it’s Halloween time), the devil is in the details… check the “minor” stuff on your policies and be sure all info is accurate… inaccurate info could delay claims, affect rates or even cause a claim to be denied.

Now, for The Treats: This is the time of year when we all love to smell the wonderful aromas of fall spices coming from the kitchen. My house is no different. My wife just made a lovely batch of apple butter and the smell of cinnamon, nutmeg and brown sugars filled my house for 2 days. I thought it would be nice to share that with you…. the recipe is below… and if you email me your declarations page(s), I will review them for you at no cost to you… another treat!

Slow Cooker Apple Butter Recipe
(courtesy of The Brown-eyed Baker.com)


6½ pounds apples, peeled, cored and sliced (I used a combination of Granny Smith, Fuji and Honeycrisp)
1 cup granulated sugar
1 cup light brown sugar
1 tablespoon ground cinnamon
½ teaspoon ground nutmeg
¼ teaspoon ground cloves
¼ teaspoon salt
1 tablespoon vanilla extract

1. Place apples in slow cooker. In a medium bowl, whisk together the sugars, cinnamon, nutmeg, cloves and salt. Sprinkle over the apples and stir gently to combine. Cook on low for 10 hours.

2. Stir in vanilla extract, breaking up any large chunks of apples that remain. Cover and cook for an additional 2 hours.

3. Remove cover and use an immersion blender to puree the apple butter until completely smooth. (Alternately, you could puree in batches in a food processor or regular blender.) If you want the apple butter thicker, you can continue to cook it on low with the lid of the slow cooker slightly ajar so that steam can escape.

4. Allow the mixture to cool, then spoon into jars and store in the refrigerator for up to 2 weeks, or freeze for up to 2 months.