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Prom Safety Tips

Prom Safety Tips
1. Limit the # of kids in the car, and confirm that they will be the ONLY driver. Confirm where they will be post prom and who will be supervising.
2. Point out that they will be dressed in unfamiliar clothing and not wearing comfortable shoes. That might inhibit reaction time while driving. (More than one new shoe has slipped off a brake pedal.)
3. Discuss the dangers of drinking and driving. No matter how confident a teenager is about his or her abilities, there will be temptations on prom night. (Remind your teen that the number one killer of teenagers is car accidents.)
4. Be sure your teenager has a fully charged cellphone in the car.
5. Another way to relieve worry about prom safety is by renting a limousine and driver for the evening or serving as a driver yourself. It might be worth the cost or the effort on your part to be sure that your kids have fun.


(Imagine this)….I was sitting in my living room when it happened. It seemed to come out of nowhere. One minute I was watching jeopardy and the next minute there was a tree in my living room. And by tree I don’t mean branch, I mean a 20 foot solid oak. The weather had said strong winds but nothing that we needed to worry about. I knew that tree would come down eventually as it was semi-dying, but never did I think I would have to worry about this happening. Two feet from me was the old oak. There was debris everywhere I looked and a skylight the size of my living room. I looked for the door and could see there was no way of getting to it. One of my windows had broken into a million pieces. There was my exit. I quickly climbed out. When I stood back and looked at my house, I burst into tears. The tree fell smack dab in the middle of the house, taking most of the roof with it. I immediately ran to the neighbors and called for help. After the shock of it all, I wondered how am I going to pay for all the damages. There was major structural damage and would my insurance policy cover it? I called my agent who explained that being there was no reason other than the wind to cause the tree to fall, I could turn in an insurance claim. Homeowner’s policies generally always cover fire, lightning, wind, hail and falling objects, so in this case with it being wind as the peril, the damage to the home was covered. Sometimes there must be actual “damage to covered property" in order for the tree debris removal part to be covered, and then there is usually a limit for the amount of the debris removal. We’ve all seen those major windstorms where there are branches and tree’s all over town. So if that happens and there is no damage to “covered property", your insurance may not pay anything to just remove the tree’s all over your yard and driveway. We talked with one of our carriers who had a bill turned in on a claim for $20,000 in tree debris removal, wow! The specific policy on this claim had a limit for debris removal of $2,000 so that is all that was paid. What if the neighbor’s tree falls on your house? Who is liable? Well, that all depends! Was the tree dying and the neighbor neglected to have it removed? Then the neighbor will likely be held liable and will be responsible for the damages to your home. If the tree was healthy and the neighbor did nothing to cause the tree to fall, then unfortunately that may be a claim you need to turn in on your own policy to cover the damages to your home. Each situation and each homeowner’s policy in itself is specific when it comes to these things and it is always best to check with your agent.
Happy Arbor Day!

The Learning Circle aka TLC

The Learning Circle aka TLC
“It takes a big heart, to shape little minds"
By: Amy Haldorson
Shaping little minds is exactly what daycare providers do. When us parents are working or away, we rely on providers to love our children unconditionally. We are very fortunate to have many terrific ones in our small towns and now we can add even more to Harvey. As of June 1st, Harvey will have its first independent daycare facility. The project has been in the works for years, but now we can see the light at the end of the tunnel. Daycare has always been a sought after service in our small town and a building of this caliber will help tremendously. The Learning Circle is currently looking for their Director. The plan for them is to open as a group 30 facility and then expand into a center in the near future. They will soon be having an open house so families can have a chance to enroll and meet the owners, Joe and Bridget McGuire. The construction on the daycare center is coming to a close, which will allow for parents to come and tour the facility. The Learning Circle has other locations in North Dakota, which are very successful and we are so excited for them to be a part of our community. You can check out their Facebook page, The Learning Circle—Harvey, for updates on the progress and status of the opening.
We suppose you are wondering how talking about daycare pertains to insurance. Have you ever wondered if you are covered when you are babysitting someone's kids? What if an accident were to happen? Who would be liable? These are some questions to think about if you are watching someone's kids or are thinking about getting into the daycare business. Most carriers will provide Liability and Medical Payments coverage for regular babysitting in your home with a limit of 5 children or less, that are not your own. You will want to call your agent or carrier to find out if this is allowed. By this, we are referring to the “regular" babysitting or daycare of others, not the “once in a while" babysitting job. Daycare of 5 children or less is usually added to your policy as an endorsement and for a price, depending on the current liability limits on your homeowner’s insurance. Rates can range approximately $50-100 per year for this, depending on the policy. If you regularly care for more than 5 children, other than your own, it may be unacceptable to the insurance company and you could be denied coverage. Or, what if your teenager is babysitting at the neighbors and causes damages to their home or the child has an accident. Your homeowner’s policy may pay for property damage caused by your child at another parents home. Feel free to call us here at the agency to review your coverages and limits and ask questions.

Pictured are:
The Learning Circle’s Owners—The McGuire’s from West Fargo!
Joe, Bridget, Abigail (15), Mason (12) and Bruiser (the pup).
They are beyond excited to be in Harvey and are looking forward to meeting all the local faces.

Insurance Fraud…..DON’T DO IT!

Insurance Fraud…..DON’T DO IT! Listen to this crazy story!

You hear the stories of people who will do anything to make money and unfortunately there are people who resort to insurance fraud to make a quick buck. Well, I'm here to tell you, don’t do it! Although 1 out of 10 unfortunately do get away without prosecution, they eventually get caught. If an insurance company suspects fraud in any way, they legally have to report it to the state. Once it is in the state’s hands, they will do their own investigation and usually prosecute to the maximum penalty. We recently spoke with one of our insurance adjusters who had a crazy insurance fraud story. One of the agents received a call from their insured who wanted to put in a claim. Their home had been robbed. The insured was out of town and they got a notification that the door had been opened by their alarm system. The police were immediately called to the residence. The door had been opened, but not broken. The police report showed the home seemed to be in order and did not notice anything missing. Odd, but not out of the realm of possibility. The insured called the claims adjuster and pointed out all the flat screen TVs in the home were stolen. When inspected there were no holes in the walls and the TVs had been carefully removed. The homeowners said they would see if anything else was missing and let the agent know. The next day, the agent received a list a mile long of items missing from the home, many personal items such as clothes and hair products, a guitar, $200 tool set, apple watches and many more items. Also included with the list was receipts for every item going three years back. The adjuster and agent started to see a lot of red flags and looked back into their file. Three years prior the insured had put in a claim and a lot of the same items were reported missing. Another employee at the agency also happened to see the insured selling a lot of the same items on Facebook rummage sale sites. The insurance company froze the claim immediately and reported suspected fraud to the state. A much more thorough investigation is being done now. The insured just had to make a recorded statement under oath. Once determined, the state will prosecute as they see fit. We are very curious to hear how this one is going to play out! This day in age, the technology that is available to investigate these types of fraud cases is above none other. Case in point, its never a good idea to lie to your insurance company.

Employee Spotlight of the Month


This months spotlight goes to our “crop guy", Chad Faul! Chad specializes in crop insurance, here at the agency during our busy crop reporting times. He has been a great addition to our office and we really love the light fun-loving energy he brings to the office. Chad is here during the summer and the rest of the year he can be found at Harvey High School where he is a teacher. Chad teaches junior high accounting, computer and business classes. His teaching career has lasted 18 years and counting. He also has a love for sports and coaches high school boys basketball and junior high football. Chad was born and raised in Harvey and finished is college years at Minot State where he got a degree in business education. He is currently dating a Harvey native, Heidi Keller, and together they have two rambunctious fur babies. When he’s not busy teaching or helping farmers with their crop insurance, he enjoys concert going and traveling with his girlfriend. Another favorite pastime is golfing. Chad loves to relax on the course when time allows or sip on a nice Cabernet, which pair well with his fancy cheese dinners.
Chad has been employed with NuLine since 2016. When we asked him why he decided to go into crop insurance, he said he wanted to do something different at this stage of his life. Crop insurance allows him to work with something related to his business degree. One thing he loves about this job is meeting all the different customers. Chad has been a great asset to our agency as he has been living in Harvey all of his life and knows a lot of the customers. We have had nothing but positive feedback since Chad came aboard; he is always flexible, reliable and his attention to detail sets him apart. We are very lucky to have Chad on our team. We cannot wait to get him back here in the office when B-ball is done!

Recipe of the Month

Pistachio Pudding Dessert
By Amy Haldorson
“This recipe is a family favorite and I usually end of making it for more than just St. Patty’s Day!"
Crust: 1 stick butter
1 cup flour
1 cup chopped walnuts
Layer 1: 1 cup powdered sugar
1 8oz cream cheese
1 cup cool whip
Layer 2: 2 regular sized instant pistachio pudding mix
3 cups milk
Topping: cool whip and chopped almonds
Mix butter, flour, nuts; press into 9x13 pan
Bake at 350 for 20 minutes. Cool.
Mix powdered sugar, cream cheese and cool whip; spread on cooled crust.
Beat together pudding mix and milk until thick. Spread on cream cheese layer and top with a layer of cool whip and nuts. Refrigerate.
* I sometimes like to do half the pan with chocolate and half pistachio pudding. To do, just split the milk in half and use pudding of choice*


The 8th Annual Pierce County Fair Fundraiser
Fair Fundraiser

When: Saturday, March 10, 2018
Where: Rugby Eagles Club
Time: 5:00 p.m.
Come out and enjoy Theresa
Wangler’s famous roast beef!
This fundraiser helps keep gate admission to the fair free and provides the crowds with free stages and great entertainment.
There will be a lot of great items up for auction!
to see a list of all the auction items

to see a list of all the auction items

Say Hello to NoDak’s 1st Food Hub!

Say Hello to NoDak’s 1st Food Hub!
North Dakota is getting the first only Food Hub in Anamoose, ND. Some of you may wonder what exactly a food hub is. A food hub supports local farmers by providing distribution for their products, such as organic crops.
In honor of agriculture month, let me tell you a little bit about the new venture coming to our area. What started as just a passion of wanting to lead a more organic and healthy life by owners Mirek and Julia Petrovic, has developed into something that all people can enjoy and benefit from. Their new business is called Farmtastic Heritage Foods Hub and it is located on main street in Anamoose, ND. Although new to ND, it is not new to the rest of the country. There are in fact many food hubs across the US and it is something that more and more people are seeking out. This particular food hub will be a restaurant, bakery, grocery store and a light processing center of organic foods all in one.
Here’s how the food hub will work; Farmtastic will pool produce from different vendors and people and then distribute those goods or make them into delicious dishes that anyone can enjoy. They will be open for lunch and dinner and have no set menu. The fruits and vegetables will vary week to week, so there's no way to make a menu ahead of time. Every time people stop by, it will be a surprise as to what they will be featuring in their recipes. They currently have a few vendors that they will receive produce from, but hope to get more from local farmers. If you would like to contribute, it is very easy. You can become a lifetime member by paying a one time fee. Once a member, you can contribute as much as you want and in turn you will receive 75% of the profit. The percentage is 65% for non members. They plan to do all the marketing of your produce, which is just one of the benefits. The Petrovic's hope to expand the business into catering and event hosting. Also on that list is hosting cooking classes & meal deliveries. When we asked Julia her number one reason for wanting to start this venture, her answer was clear. She believes that food can very healing to our bodies and the more organic and natural, the better. Their goal is to help people make better choices when it comes to food. The Petrovic's have been aggregating and distributing produce for two years now personally, so they are no strangers to the process. They have established great relationships with the Bisman Community Co-op by doing this. Taking it one step further in order to spread the word of food hubs, they are doing speaking engagements to help educate people on how food hubs work.
The food hub plays a crucial part in the community food system in the fact that it pools small and medium sized farms together in order to gain access to large markets in retail and wholesale demand. Just to give you an example of some items that will be available; soups, breads, jams, desserts and homemade organic meals. They invite everyone to come check out Farmtastic and plan to have a grand opening on March 15th. Let’s help welcome them and celebrate all that they are doing for North Dakota!

Employee Spotlight

This months spotlight goes to our very own Jodi Friese. Jodi has been with NuLine since 2011 as a CSR. Some of her tasks are making policy changes, customer relations, as well as doing our marketing and community involvement. Jodi is the creative one in the office and we are always looking for her direction and eye for putting things together. Although she now works part time at NuLine, her passion is art. She became the Art teacher for Harvey in 2017 and is enjoying teaching again.
Jodi grew up and went to school in Minot, ND. She then went on to college in Minot and graduated from Moorhead State with a teaching degree. She met her husband Chad, of 23 years and they have 2 children. Tatiana (18) is a senior and Isaac (13) is an 8th grader. Jodi and her family spent several years living in Colorado until moving back to ND in 2011. She is happy to be closer to family as her parents still live in Minot and they are able visit often and attend the kid’s school functions. Jodi has built many lasting relationships here in Harvey and enjoys spending quality time with friends. When she’s not busy with her two jobs and kids activities, she loves to work outside. Her and her husband do many outdoor projects around their farm. Jodi and her family also enjoy having animals, especially her horse, PJ. She is very active in the community and is on Harvey’s Council on the Arts.
Jodi keeps everything flowing here at the office and we are always finding our office supplies in new homes after she has been in. Put it this way, she is the organized one! Jokes aside, we don’t know where we would be without Jodi. She has been a huge asset to this agency and we all miss her now that she is back at her teaching. We look forward to the days she is here, and we do love hearing all the children say how much they love their new teacher, Miss Jodi!

White Chocolate Raspberry Cheesecake Bites By Amy Haldorson

White Chocolate Raspberry Cheesecake Bites By Amy Haldorson
“I made these last year for my kids as a Valentines surprise and they kept asking for more!"
1 1/2 cup Oreos crumbs, cream centers removed (about 22 finely crushed)
6 Tablespoons butter, melted
For the custard:
6 oz white chocolate chips
1/4 cup half and half
12 oz cream cheese, softened to almost melted
1/4 cup sugar
2 large eggs
1 tsp vanilla
Raspberry Sauce:
5 oz frozen or fresh raspberries
1 Tablespoon sugar
1 1/2 tsp cornstarch dissolved in 3 Tbsp water
In a large bowl combine crumbs and butter. Scoop 1 tsp into 48 lined muffin tins and press down.
Preheat oven to 325 degrees
To make raspberry sauce; combine raspberries, sugar and dissolved cornstarch in a saucepan and bring to a boil, stirring often till thickened. Remove from heat
To make custard; in a heavy saucepan, melt chocolate ships with half and half on low heat, stirring often. Mix together cream cheese and sugar until smooth. Beat in eggs one at a time. Add vanilla and melted white chocolate mixture.
Scoop 1 tablespoon, custard into lined muffin tins. Dollop tsp raspberry sauce. Use a knife to swirl. Bake 20 min. Let cool and chill in fridge. Top with whipped cream and serve.