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Why Are My Bags in Bermuda, When I'm in Kansas?
It's every traveler's nightmare. You're standing at the baggage carousel ... waiting ... and waiting. The bag you cleverly marked with a red bandana never shows up. With a sigh, you find someone in a uniform and explain your sad situation. After much research, you discover your bags have hitched a ride somewhere else, and the airline hopes to return them to you "before long."

Meanwhile, you have a vacation to take, or relatives to visit, or meetings to attend. At the very least, you'll need a toothbrush and a change of clothes. But the airline will reimburse you, right? Well, sort of. It may take months for an airline to declare your luggage lost; they rarely pay adequately and they always depreciate the value of your items. Plus, they may reimburse you in travel vouchers. Not cash. With these facts in mind, you may want to consider travel baggage insurance, which offers several benefits:
  • Baggage-delay insurance provides compensation for essential emergency items while the airline searches for and returns your luggage.
  • Luggage insurance can be helpful if the value of your items exceeds the limits of the airline's coverage. Contact your airline or check their website to view their policies.
  • Lost-luggage coverage provides protection during your flight, at your hotel, and anywhere else on your trip. It even includes souvenirs. While homeowners or renters policies may offer coverage for your possessions, it may be limited.
So, before your next trip, talk to your insurance provider to determine what travel baggage insurance is right for you.

Have a Funny 2017 with These New Year's Resolutions
What New Year's resolutions did you make for 2017? Be honest - were they the same ones you made for 2016?

Researchers tell us that only 8% of those who make New Year's resolutions actually achieve their goals.

Perhaps if we made some of these individuals' resolutions, that statistic would improve:

Buy a more accurate scale.

Stop hanging out with people who ask about my New Year's resolutions.

My New Year's resolution is to decipher the obscure meaning of yours.

Accomplish the goals of 2016, which I should have done in 2015 because I promised them in 2014 and planned them in 2013.

My New Year's resolution was going to be to quit all my bad habits, but then it occurred to me - no one likes a quitter.

My New Year's resolution is to spend more quality time with you. Will you accept me as a Facebook friend and let me follow you on Twitter?

Since it is tradition to break my New Year's resolutions, I think this year I'll try for being lazy and see what happens.

My New Year's resolution is to simply remember to write the date as 2017, instead of 2016.

My New Year's resolution is to not make any New Year's resolutions, and now that I've broken it, I'm all done with resolutions this year.

Life Is Good: So Why Are We Rocking the Boat?
Rocking Boat
Why, when everything is going so well, do we rock the boat?

In a recent article on, writer and life coach Susie Moore reports, "Self-sabotage is most common when life is at its best."

It sounds odd, but some people simply can't abide success. When they achieve it, they don't believe they deserve it, and they subconsciously frighten themselves into failure. Others feel guilty for leaving less successful friends behind - or they believe success is a burden and sabotage themselves so it doesn't happen again.

In her article, Moore highlights the work of author Gay Hendricks, who writes, "Conquer your fears and take life to the next level" in his book The Big Leap. Hendricks calls it "the upper limit problem," and asserts that everyone suffers at least a little from the conviction they've gone as far as they should or could go - their upper limit - and as a result, they give themselves a subconscious reason to build defeat into their next efforts.

Says Hendricks, "...the more successful you get, the more urgent it becomes to identify and overcome your upper limit problem." He insists that each of us must combat our upper-limit problem to achieve our full potential.

How? Face those fears. As Moore herself found, "Knowledge of these fundamental fears allows us to help release their power over us." She adds, "Transcending your upper limits is possible. You can choose an upward spiral. Your very own big leap awaits."

So choose the upward spiral...and don't rock the boat!

When a Hobby Is So Much More Than a Toy!
"In polite society, we call our obsessions hobbies," notes author Stephen King. So what are your obsessions/hobbies?

Do they involve a significant investment in collectibles? Expensive equipment? If your hobby is running, you probably don't have additional insurance concerns. However, if you collect rare coins, build and operate radio-controlled vehicles, or restore and sell antiques, you likely have a lot more to consider.

If your home houses a hobby that is vulnerable to loss, it's important to evaluate what insurance coverage you need. Limits on homeowner and renter policies may be too low, or the causes of loss that are covered might not be appropriate. These may not be sufficient to cover your hobby. For example, consider the following:
  • The value of your items: does the total push you over your homeowners coverage limits? You might need to increase limits or add a policy.
  • All the ways you could lose your collectibles: theft, vandalism, fire, etc. Do your current policies cover all the potential types of loss? If not, you may need to expand coverage.
  • Any risks your activity may pose: does your hobby require any equipment that could be dangerous to others? You might need liability insurance.
  • Whether it's partly business: do you sell items from your home? You may need business insurance.
  • Any unique risks created by your hobby: do you travel to trade shows with your items? Perhaps you need travel insurance, or additional liability insurance. If your hobby involves a single high-ticket item, such as an ATV or an electric guitar, you might need a separate rider to cover this item.
If you have a financial investment in your hobby, it's important to insure it properly. Your insurance agent can help you determine what coverage you need for the best protection. Which is what it's all about. After all, your beloved obsession is so much more than a toy!

Is Shopping Online for Insurance Really a Bargain?
Buying auto or homeowners insurance on the internet seems easy and cheap. But is it?

Discover how relying on the web to protect your most valuable assets could cost you more - and put you and your loved ones at risk - by requesting my free guide, "The Dangers of Shopping Online for Insurance."
Just reply to this email and I'll send it right out to you.

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What pop group stars singer, Fergie, and is named after a vegetable?

Recipe: Moroccan Fish Bake
Serves 4
1 tablespoon coarse salt
4 garlic cloves, crushed
1 tablespoon paprika
2 teaspoons cumin
1 lemon, juiced
½ cup olive oil
2 lbs. 4 oz. boneless, skinless haddock fillets cut into large chunks
1 onion, coarsely chopped
½ cup fresh parsley
2 garlic cloves
1 14-oz. can chopped tomatoes
4 carrots halved and sliced
¼ teaspoon cayenne (optional)
½ teaspoon cumin
Pinch of sugar
Salt and pepper
Combine first six ingredients in a shallow baking dish that will hold all the fish in one layer. Add fish and toss to coat. Cover. Refrigerate for at least 30 min. Preheat oven to 350 degrees. Pulse onion, parsley, and garlic in a food processor until minced. Cook over medium heat until soft. Add cumin, cayenne, carrots, tomatoes, 1¼ cups water, and sugar. Season. Simmer 10 min., partially covered. Remove fish from marinade. Combine marinade and tomato sauce. Top with fish. Cover with foil. Bake until fish is cooked through (10-15 min.)
This newsletter and any information contained herein are intended for general informational purposes only and should not be construed as legal, financial or medical advice. The publisher takes great efforts to ensure the accuracy of information contained in this newsletter. However, we will not be responsible at any time for any errors or omissions or any damages, howsoever caused, that result from its use. Seek competent professional advice and/or legal counsel with respect to any matter discussed or published in this newsletter. This newsletter is not intended to solicit properties currently for sale.
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