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In Love With Quinoa

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Great, tasty, and easy quinoa recipe are hard to find.This is not a vegan recipe, but I am not vegan (I haven’t graduated beyond vegetarian).Quinoa is a food superstar for seven very strong reasons:

It is high in protein

A good source of riboflavin

The saponins from quinoa are used to promote healing of skin injuries in South America, making it a good antiseptic.

It’s alkaline-forming. 

Although it is not strongly alkaline-forming, it is comparable to wild rice, amaranth, and sprouted grains.

It is gluten-free

It is a complex carbohydrate with low glycemic index. 

Here is one of my favorite quinoa recipes:CRISPY QUINOA CAKES
1 large egg
2 Tbs. all-purpose flour
1 ½ Tbs. tahini or nut butter
1 ½ tsp. red or white wine vinegar
1 ½ cups cooked quinoa
½ cup finely grated sweet potato
½ 10-oz. pkg. frozen spinach, thawed and squeezed dry
¼ cup chopped sun-dried tomatoes
¼ cup chopped nuts, optional
2 oz. crumbled feta cheese, optional
2 Tbs. finely diced onion
1 Tbs. chopped fresh parsley or cilantro
1 clove garlic, minced (1 tsp.)
½ tsp. salt

Preheat oven to 400°F. Coat baking sheet with cooking spray. Combine egg, flour, tahini, and vinegar in bowl. Stir in remaining ingredients, then mash together until mixture is firm enough to shape into cakes. Shape mixture into 1/4-cup patties with wet hands. Bake on prepared baking sheet 25 minutes, turning once, or until cakes are browned.Serve with a the tangy sauce of your choice. I love to use a Roasted Red Pepper Sauce.Cecil B. WilliamsEMERGE INSURANCE AGENCY904-677-5884

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Gap Insurance

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You have signed all the paperwork to purchase a new car.  So what happens if your new ride is totaled in an accident shortly after you drive it off the lot?  Insurance will take care of the whole thing, right?  Maybe, maybe not. Gap insurance covers the difference between what a car is worth and what you owe on it. It can provide valuable protection during the early years of your car’s life if you have a loan or a lease.Also keep in mind, gap coverage can be added to an auto policy through an insurance agent for usually less money than the cost of buying the coverage from a car dealership.Call us to discuss this often overlooked low cost addition to your auto insurance policy. EMERGE INSURANCE AGENCY904-677-5884

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Insurance Coverage That Could Save Your Business – Part 3

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Some types of insurance are required to operate legally, while others are optionalOf course, the coverage a business needs depends on the type of company you run and the number of employees who work there. There are also  some optional insurance coverage business owners should always consider.Here is the third of three “optional” insurance coverages that business owners often leave out of their insurance package which could literally save the business in a time of crisis.Key Person InsuranceNo one wants to consider the disability or death of a colleague. But if such a tragedy could lead to your company’s demise, then it’s worthwhile to consider key person insurance.Typically, key person insurance covers the owner, the founders or one or two key employees. It is life or disability insurance purchased by the business and is payable to the business. It is beneficial when a company’s survival relies heavily on the role of one or two people.  When the “key person” dies or becomes disabled, insurance can help make up for lost sales or earnings or cover the cost of finding or training a replacement.Sometimes one of the business owners can be replaced easily, but there may be an individual who has a specialized skill or who contributes largely to the company’s growth. For example, there may be someone who specializes in a skill that only few people in the country have. Now an organization has to make a huge offer to get someone to move from half way across the country to work for them.Whether you are an executive or not, take a look around and see what would happen to the business if a certain employee would pass away, or become unable to work.Often times these optional coverages are assumed to be in the business owners policy but in fact they are not. Review your business insurance policy to make sure everything important in your business is protected (not just the building and liability).Contact us for a free policy review and we’ll ensure your business is properly protected.EMERGE INSURANCE AGENCY904-677-5884

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Coconut Quinoa

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Quinoa, what is it some ask.Quinoa (pronounced KEEN-wah) is an ancient South American cereal grain (that) is higher in protein than any other grain, and it tastes great cooked in coconut milk.The coconut milk, not to mention the ease of this recipe, should be enough for some to give it a try. This can be serve as a side dish, and I love is with the Garlic Lemon Fava Beans & Mushroom main course dish in my earlier blog.You can find quinoa at a growing number of markets, so you should have a problem find it.Coconut Quinoa1 cup coconut milk1 cup waterCoarse sea salt, to taste1 cup quinoa, rinsed2 tablespoons dried coconutIn a medium-sized saucepan over high heat, combine the coconut milk with the water and 1/2 teaspoon of the salt. Bring to a boil. Add the quinoa and dried coconut and bring back to a boil. Immediately lower the heat to low, cover the pot and simmer for 20 minutes. Remove from the heat and steam with the lid on for 5 minutes, then lightly fluff with a fork.Makes 4 to 6 servings.From “The Inspired Vegan” by Bryant TerryEMERGE INSURANCE AGENCY904-677-5884

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Insurance Coverage That Could Save Your Business – Part 2

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Some types of insurance are required to operate legally, while others are optionalOf course, the coverage a business needs depends on the type of company you run and the number of employees who work there. There are also  some optional insurance coverage business owners should always consider.Here is the second of three “optional” insurance coverages that business owners often leave out of their insurance package which could literally save the business in a time of crisis.# 2 – Equipment Breakdown CoverageTake a walk through your business and look at all the big pieces of equipment that you would not like to replace out of pocket. All it takes is one person misusing the equipment, improper maintenance or a power surge that could wipe out your entire computer system.You might mistakenly believe that your business property/casualty insurance will cover the damage.  However, business property/casualty policies only cover damage to your equipment from “external” causes, such as a fire, a flood or a tree falling on your roof. Those policies do not cover damage from “internal” causes such as mechanical failure, electrical short circuit or “arcing” (faulty wiring or motor burnout).Losses related to equipment breakdowns are covered by aptly named “equipment breakdown” insurance. Equipment breakdown insurance (sometimes sold under the name of “boiler and machinery insurance”) is an increasingly important part of any sound small-business insurance package for several reasons:
New technology, such as fragile electronic and computerized equipment, is subject to breakdowns that can be more frequent and costly than traditional mechanical equipment.
New business practices, such as Internet marketing and “just in time” inventory, make all businesses more dependent than ever on computer systems.
Critical business information often exists only on the Internet, or in online databases, that cannot be access during periods of equipment breakdown.
Employees are now traveling with many types of equipment that were once permanently attached to a fixed location, so breakdowns often occur in places other than the ones insured under traditional property/casualty policies.

Equipment breakdown coverage pays the cost to repair or replace equipment damaged by a covered accident. It can also cover business income losses that stem from an equipment breakdown and the additional costs you incur to speed restoration of business operations.Most insurers are building equipment breakdown coverage into their commercial property packages. If you have an older policy, however, you may have to review it with your insurance agent to make sure it covers the high-tech equipment upon which your business now relies. If it doesn’t, maybe it’s time for an upgrade. Call us for more on Equipment Breakdown insuranceEMERGE INSURANCE AGENCY904-677-5884

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Easy Apple Crisp Dessert

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We prepared this quick, easy and wonderful apple crisp for guests this weekend. The original recipe was created by the Neelys on the Food Network, but the vegan version is the same, with only one (two counting the ice cream) exception. And please don’t forget the ice cream.

EMERGE INSURANCE AGENCY904-677-5884

                                              APPLE CRISPIngredientsFilling:5 Granny Smith apples, peeled, cored, chopped small1/4 cup finely chopped pecans3 tablespoons all-purpose flour1/2 cup brown sugar2 tablespoons maple syrup1 tablespoon lemon juiceTopping:3/4 cup all-purpose flour1/3 cup brown sugar1/4 teaspoon ground cinnamon1/4 teaspoon salt6 tablespoons chilled butter, cut into pieces1/4 cup coarsely chopped pecansFor the Filling:Mix all the ingredients together. Place into 7 to 8-ounce ramekins.For topping:DirectionsDirections:Topping:Preheat oven to 350 degrees F.For the toppingMix the flour, brown sugar, cinnamon and salt in large bowl. Blend the butter into the mixture until it forms pea size lumps. Stir in pecans and sprinkle over filling.Bake crisps for 35 to 40 minutes. Cool 10 minutes before serving.© 2014 Television Food Network, G.P. All Rights Reserved

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Insurance Coverage That Could Save Your Business – Part 1

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Some types of insurance are required to operate legally, while others are optional Of course, the coverage a business needs depends on the type of company you run and the number of employees who work there. There are also  some optional insurance coverage business owners should always consider.Here is the first of three “optional” insurance coverages that business owners often leave out of their insurance package which could literally save the business in a time of crisis.#1 – Business Income Insurance  Business income insurance (also known as business interruption insurance) is an important but often misunderstood coverage. It is designed to replace income lost as a result of a disaster. This insurance policy is designed to supplement the resulting lost income as well as provide much needed dollars to pay continuing expenses such as salaries, rent and utilities. According to the Institute for Business Home and Safety, 25% of businesses never reopen after a disaster or business interruption.  Business income coverage increases a business’ ability to survive a substantial loss.  So if your business has to close because of disastrous weather, national security threat, or because a tornado ripped half of your business apart, your business will still have income coming in. While commercial property insurance protects your real estate and contents, business income insurance protects your business against loss to your firm’s profit-and-loss statement by covering continuing expenses, helping your firm preserve contractual obligations and retaining personnel. Business income insurance will continually pay your business while it is down, allowing your business to be one of the businesses on the block to reopen their doors.EMERGE INSURANCE AGENCY904-677-5884

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Try Some Fava Beans This Week

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Fava is a bean’s bean – big, meaty, and toothsome. And so I like to use strong bold flavors when I cook with them. This dish is savory and saucy with lots of garlic, thyme and lemon.   I use canned fava beans, which can be purchased at most Middle Eastern markets and I highly recommend use the smaller size beans (remember to rinse and drain the beans) If you can’t find cremini mushroom, substitute baby portabella mushrooms (but if you have never had cremini mushrooms, they’re worth searching for) . Most of my friends find that with the meatiness of the fava beans and the mushrooms in this dish, they don’t miss not have animal protein.This dish is great paired with wild rice. I love eating this dish with or over coconut quinoa.  

GARLIC LEMON FAVA BEANS & MUSHROOMS – Serves 4Recipe from – Post Punk KitchenTotal time: 30 minutes || Active time: 30 minutesTo play up the earthiness of this dish, I love to serve this with a wild rice blend. A roasted veggie like cauliflower or broccoli is perfect here, too.2 teaspoons olive oil1 small red onion, cut into thin half moons3 cloves garlic, minced1 tablespoon fresh chopped thyme8 oz cremini mushrooms, sliced in half2 tablespoons breadcrumbs (plain or seasoned)2 cups vegetable broth1/2 teaspoon saltJuice and zest of 1/2 a lemonLots of fresh black pepper3 cups cooked fava beans (or two 15 oz cans, rinsed and drained)Optional: Slivered green onions for garnishPreheat a large pan over medium heat. Saute onion in oil with a pinch of salt for 5 to 7 minutes, until slightly browned. Add garlic and thyme, and saute one minute. Add mushrooms and cook to release moisture, about 5 minutes.Add bread crumbs, toss to coat everything and toast crumbs for 3 to 5 minutes. Add veg broth, black pepper, salt, lemon zest and juice and fava beans. Bring to a boil. Let reduce and thicken, 7 minutes or so. Taste for salt and seasoning and serve, topped with green onions.Let me know what you think.Cecil Williams Owner/AgentEMERGE INSURANCE AGENCY904-677-5884

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Do Your Own A Dog – Think Liability

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If you own a dog, companies offering homeowner’s insurance may charge you a higher rate, exclude your dog from liability coverage or turn you down completely based on your dog’s breed, history of claims or the dog bite history or all of the above. Most companies will have a strict guideline to not write a policy for homeowners with certain breeds of dogs.   Why? According to the Insurance Information Institute, dog bites account for one-third of  all homeowners insurance liability claim dollars paid out in 2013, costing more than $483 million. The average cost paid out for dog bite claims nationwide was $27,862 in 2013.  Here is a list of the most common dog breeds that are seen as high-risk to many homeowners insurance companies:
Pit bulls
Rottweilers
Chows
German shepherds
Siberian huskies
Alaskan malamutes
Doberman pinschers
Presa Canario bulldogs
Great Danes
Boxers
Akitas
Wolf-hybrids

If your dog bites someone, respond to the incident promptly. Restrain or confine your dog immediately. Then do whatever you can to help the victim, whether that means calling 911 or driving them to the emergency room.  Once the victim is taken care of, it may need to contact the local authorities to report the dog bite. Call your homeowners insurance company, especially if there are medical costs involved. Be sure to cooperate with your insurance company. The claims adjuster will want to investigate the circumstances surrounding the incident. You should take steps to make sure a similar incident doesn’t happen in the future. That might mean building a fence around your yard or sending your dog to obedience school. Your may also want to consider a certified animal trainer if all else fails.EMERGE INSURANCE AGENCY904-677-5884

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