Nothing beats a good cup of coffee, right? Well we thought it was time to share our secrets on how to brew that perfect cup. Here are simple steps that you can take to produce the perfect cup of coffee every time.
Start with quality. One of the most critical aspects of coffee drinking is the grade of the coffee that you start off with. If you have a favorite flavor, then purchase whole beans in that flavor. If you can do this, it will allow you to get the freshest coffee accessible.
Grind away. Purchase a quality coffee grinder. Some of the best grinders available today are easy to use and easy to clean up. By grinding your own coffee beans, you’ll be able to only grind what you need, meaning that you will have complete freshness in your coffee.
Store It Right. It is very fundamental to store your coffee tightly. Air oxidizes the coffee and can make it to get bitter quickly. Metal canisters can also enable a metal taste to get into the coffee, making it taste bad.
The Maker. The coffee maker that you use is also critical. No matter what style that you go with, you can get a good cup of coffee out of it if you take the essential steps to keeping it fresh. For example, you should insure that the coffee maker is kept clean after each use. In fact, you’ll need to make sure that you detail clean it, with the assistance of vinegar, every so often as well. Your preferences will ultimately determine which style of coffee maker you will use. Make sure that it uses a permanent filter in it.
The Water. Even the water that you use is central to the quality of the coffee you will get from it. It is essential that you use water that is free from chlorine and minerals.
Often, using bottled water rather than tap water will augment the quality of the coffee. Also, keep the water nice and hot. A good temperature for the water is about 200 degrees Fahrenheit.
Supply The Right Amount. It is also central for you to use the right quantity of coffee beans and coffee grounds in the maker. Too many and you will have a very strong cup of coffee and too few will make it to be too weak. Follow the directions provided by the coffee producer for the best cup of coffee.
Lastly and probably the most vital aspect of getting a great cup of gourmet coffee is to make sure to enjoy your coffee when it is hot and fresh. Most restaurants are told to keep coffee for less than thirty minutes, but at home, the best coffee is the coffee that hasn’t sat for more than twenty minutes.
All of us at Jack Daugherty Insurance & Financial Services, LLC. would like to thank you for your continued business and the opportunity to serve you!
All of us at the Jack Daugherty Insurance & Financial Services, LLC. would like to wish you a healthy and prosperous 2018!
Now that 2018 is here, it may be time to consider reviewing your personal insurance program. Most people don’t take time to review exposures, options, or their current economic condition before making their insurance purchase. Taking stock of your personal finances is important in order for you to plan for your future. Here are a few tips to help you get started. Of course we always recommend you call our office for more information.
Maintain good credit - Regularly check your credit score, since a low score may impact your premium.
Review your auto limits – If you have limits of less than $100,000, that won't even cover the medical bills in a serious accident. The minimum liability coverage that anyone with any assets or income to protect should be carrying is $500,000 to $1 million or more.
Maintain a home inventory – Having an accurate account of your personal property can provide for greater recovery in the event of a loss.
Bundle your insurance – Combine your auto, home and umbrella policies with one insurer to receive greater discounts.
Set the right deductible - A higher deductible reduces your premium, but you have to pay more out of pocket in the event of an accident. If you have a good driving record and haven’t had an accident, you may want to gamble and opt for a higher premium. The reward for this risk could be up to a 40% savings.
Consider Identity Theft – Identity theft is one of the fastest growing crimes in the U.S.
Buy from a financially strong company – Your insurance is only as good as the company who stands behind the policy. The insurance company should have an “A+” rating or higher.
Be prepared to make adjustments as your lifestyle and needs change.
Get an Early Start On the Tax Season
Maximize any tax investment savings. Contribute as much to your 401k as possible.
If you have a Health Savings Account, check to see if you have any money left and get it spent on qualified expenses.
Review your 2016 tax returns to determine if you need to make any withholding adjustments.
Get an appointment set with your insurance agent to review all your personal insurance needs. As your life changes so do your insurance needs.
Get all your financial records organized and ready for filing. Gather receipts, proof of charitable contributions, and other tax forms into one place.
If you have a tax preparer, set an appointment now. This is a good way to give you a deadline to complete all your necessary paperwork.
Determine any last minute charitable contributions, and make them before the year’s end.
“Ho ho ho ho, Merry Christmas and a Happy New Year!” As this holiday season approaches, many of us are preparing for big celebrations and parties. Food, snacks, wine, beverages… there is no better time of the year to fill yourself to your heart’s desire!
However, if you are a health-conscious type of person, then this article will reveal some tips for staying healthy this holiday season (while everyone else around you gains 5 pounds!).
1. Eat Snacks Moderately – Let’s face it, snacks are abundant during the holidays seasons (as if they aren’t already throughout the year). If you take a seat within an arm’s reach of the snack table, you’re going to have a tough time keeping yourself from unconsciously grabbing handfuls of party mix, candies, and the like and picking at them all day.
2. Exercise, Exercise, Exercise! – There is no better thing to do during this festive season than to exercise! If the weather permits it, go out and take a quick walk around the house or block. If your celebration is taking place in a colder climate, you’ll be more inspired to quicken your pace and burn a few extra calories in the process. If the weather is bad, do 10-20 squats, stretches, or other brief exercise each time you go to the restroom.
3. Eat Healthy Foods – Take an extra scoop of vegetables and fruit when filling your plate, and by the time you finish, you won’t have room for the other foods which are higher in calories and more likely to cause you to gain weight. Also, avoid those fatty and fried foods (they taste good, but you know they aren’t healthy!)
4. Drink A Lot of Water Throughout The Day – Water helps your body stay fit. Drink a fair amount of water or other unsweetened beverage before each meal, as well as during and between them. The liquid in your stomach will help trick your mind into not feeling as hungry, which reduces the tendency to gorge yourself on potentially fattening foods.
5. Eat in Smaller Portions – Instead of eating platefuls of food, try eating smaller portions throughout the day. No doubt, everything at the table looks good, and it’s all you can do to keep from filling your plate 2-3 times so that you can sample everything.
Keeping healthy during this holiday season is simply making sure you follow healthy habits just like anytime of the year. However, don’t fret it if you end up gaining a few pounds during the holidays. After all, the holiday season is only one of the few times of the year where you can truly enjoy yourself!
All of us at Jack Daugherty Insurance & Financial Services, LLC. would like to wish you and yours a very happy and safe holiday season.
An ounce of prevention is certainly better than a pound of cure. Here are seven tips on how to live a long and healthy life. In addition, the same life style that helps you to avoid illness also helps you to lose weight. Here are a few ideas on how to enhance your life and possibly live longer.
1. Get Enough Exercise
In the past people had to use their physical bodies in the course of their normal work. But today someone may get up, go to work in a car, then sit down, get up to go home in the car and when arriving at home, sit down again for the rest of the day. In such a life there is no physical labor. This physical inactivity is one of the main reasons for a host of diseases. Sport, running. walking and other things must be added to our life if our normal work does not require us to exert ourselves physically.
2. Go to sleep when you feel sleepy
This may sound simple, but many people stay up late even when their body is telling them that it is time to sleep. Yoga doctors also say that it is better to sleep in the night and be active during the day. However, people such as students will take coffee and stimulants to study late into the night. Others develop the habit of remaining active at night and sleeping during the day. While we can do this, it eventually takes a toll on health. Alternative health doctors say that this kind of unnatural living is one of the contributing factors in the causation of cancer and other diseases
3. Fast on a Regular, Systematic Basis
If you would ask any person to work 365 days per year without any rest, they would complain and say that they must have some rest or else they will break down. But we have never bothered to ask or to think about our digestive organs which we compel to work day after day without a rest. They cannot protest the way a person would to his boss, but they do give us signals that they cannot work non-stop. When we ignore those signals and still compel them to work, those organs break down. That is why periodic fasting is necessary.
4. Wash with cool water before going to bed
As mentioned above, proper sleep is essential for the maintenance of health. If you wash your important motor and sensory organs (hands, arms, eyes, legs, mouth, genitals) before sleep using cool water, this will relax you and prepare you for deep sleep.
5. Perform meditation on a regular basis
Your body is linked to your mind. Many of the diseases of this era are psychosomatic. Stress and anxiety take their toll on our physical health. Meditation is a mental exercise which, among other things, allows you to detach yourself from the worries of life. Learn a simple technique and do it regularly.
All of us at Jack Daugherty Insurance & Financial Services, LLC. wish you a long and healthy life, and would like to thank you for your continued business!
Halloween is fast approaching. All kids love to dress up, get together with friends, and go door-to-door hoping to find the full size candy bar.
A little pre-planning can prevent unfortunate accidents that could turn out to be tragic for kids and trying for you. Here are some pointers for ensuring your house is a safe place for trick-or-treaters on Oct. 31.
Pets first.Dogs, cats, and other furry family companions get scared when oddly dressed strangers approach their door in droves. Make sure your pet is in a safe and comfortable space or take them to a secure, relaxing offsite location for the evening. Clean up your yard. If your yard gathers stuff - like toys, rakes and other yard tools, hoses, tree branches, you name it - take the time to clean it up. Make sure your yard is free of potential hazards and create a clutter-free walking path well before dusk falls this Halloween.
Are all your lights working? Make sure you offer a well-lit path.
Candles. Candlelit pumpkins should be placed on a sturdy table.
Turn it off. When you’re done for the night, make it obvious by turning any and all inviting lights off.
Decorations. Don’t go overboard with decorations, they can cause fires and injuries.
Safety tips for kids
Never, ever go into a house
Go with friends
Costumes should be short enough to prevent children from tripping and falling
Young children should always be accompanied by an adult or an older, responsible child
Only go to homes with a porch light on
Plan costumes that are bright and reflective
Don’t eat homemade food
Look at all wrapped candy, if it has been opened toss it out
Use a flashlight
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