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Don’t get hooked by phishers

By Amy Streifel
You ever get those random calls where someone calls and urgently tells you to give your credit card or ELSE?! They make it sound like this is really something important and something I should be doing pronto. I know this is a scam immediately, but many people don’t and that’s a scary situation. For instance, I've gotten a few emails from my (boss) telling me he needs to wire money to me and needs my account number. Seems unlikely, but I always ask Chad in case there's a big bonus coming my way… I would hate to miss out on that! As a business, we are on the watch every day for possible cyber attacks or breaches of information. If something seems fishy, it usually is a scam. Along with the pandemic, business interruption has been the deemed the biggest threat to businesses globally. Globally, business interruption ranked second and natural catastrophes followed as the biggest cause of loss. While the pandemic ranked fourth, cyber risks and natural disasters are tag teaming to up the fear factor for businesses in the upcoming year also. There is a huge demand for ransomware and the demand increased more than 500% during 2021 first half. Another way to protect your business is fraud coverage in your business insurance. So how can you protect yourself and your business?
1. Protect your bank accounts. If you haven't created spare bank and credit card accounts for your personal life and business, you should do so. If hackers get their hands on one account, they will easily be able to access the others if they are the same.
2. Safeguard your computer systems. Hackers are experts at cracking computer systems. Consider a sturdy firewall and backing up your files on a daily or weekly basis and store them offsite.
3. Purchase insurance. While there are many precautions you can take, no measure is foolproof. If a fraudulent attack occurs, having insurance is crucial. Ask your insurance agent if fraud is included on your business owners policy.
Do how do you spot phishing emails?
1. Emails with bad grammar and spelling mistakes.
2. Emails with unfamiliar greeting or salutation.
3. Inconsistencies in email addresses, links, and domain names.
4. Suspicious attachments.
5. Emails requesting login credentials, payment information, and/or sensitive data.
6. Too good to be true emails. Like if your boss offers you a paid vacation to the Caribbean for a week...wink, wink.

Claim Corner

Very recently a bad bug hit our local town and a few of us got it worse than others. As most people, our insured reached for her trusty humidifier. Running one of these babies usually helps with the sniffles. As she ran her humidifier she didn't notice the even bigger problem that was brewing. Our insured left the humidifier going for days and days and came home after work to find her home feeling like an indoor swimming pool. There was so much humidity in the air, it was creating a perfect breeding ground for mold spores to form. Upon some investigation, she found mold forming in the corners of the ceiling in the room the humidifier was running in. Humidifiers can actually become a household health hazard and can make you sick if they aren't maintained properly or if humidity levels stay too high. If you use humidifiers, be sure to monitor humidity levels and keep your humidifier clean. Mold is only covered by homeowners insurance when it’s caused by a covered peril that is "sudden or accidental" in nature. There are many exclusions for mold, such as if a plumbing leak is neglected or poor ventilation that leads to humidity build-up. If you should have mold damage or aren't sure if its covered under your home policy, check with your insurance agent to review your coverages. In addition, humidifiers should be run with purified water only. City water has minerals that are released in the air that cause a white buildup on furniture and plug up furnace filters. We had one client whose A/C quit working because the furnace was not getting any air. Only run these when you are sick and get a hygrometer!

Employee Spotlight

Here she comes…. Mrs. McKenzie Blumhagen!! Nuline’s newest team member! McKenzie comes to us originally from Langdon, ND. She married Ryan Blumhagen and has a beautiful 18 month old daughter, Isabelle. Ryan and McKenzie farm south of Anamoose, in addition to her Ryan being a Captain for the ND National Guard. McKenzie recently went through many life changes. She was an elementary teacher for Harvey, but decided to pursue other passions. She also wrapped up her year serving as Mrs. North Dakota American 2021. I wonder if she’d let me wear her crown in the office...We made sure to get our autographs! She also serves as the Children's Ministry Coordinator for her church. McKenzie is super excited about joining us at Nuline and her goal is to have a better work-life balance. So far her favorite thing about Nuline is the people! She has fully embraced the ever changing demands of our busy office and she's keeping everyone organized. She appreciates the flexibility of her job and the fun work environment. I mean who wouldn't! Also, fun fact about McKenzie...move over Nancy Kerrigan because McKenzie can skate circles around most, having ice skated since age 7 and even coached! Please join us in welcoming our new team member and stop in to say hi!

Recipe of the Month

French Toast in a Mug
"This is the perfect recipe for my new college student!"
I piece of bread ( I used challah and it worked great)
1/4 cup milk
2 tablespoons syrup
1 teaspoon ground cinnamon
Pinch of salt
1 Tablespoon of chocolate chips-I recommend mini if you have them
Powered sugar (optional)
Cinnamon (optional)
Mix together egg, milk, syrup, cinnamon, and salt into a microwaveable mug. Cut off the crust of the bread and cube. Submerge the bread within the egg mixture of the mug. Stir in the chocolate chips. Sprinkle the optional cinnamon sugar on top. Microwave for a total of 2 minutes stopping every 30 seconds. Let cool for about 1-2 minutes. Sprinkle powdered sugar on top and enjoy!

Recipe of the Month

Grilled Corn with Cilantro-Lime Butter

1/2 cup butter, softened
1/4 cup minced fresh cilantro
1 tablespoon lime juice
1 1/2 teaspoons grated lime zest
12 medium ears sweet corn, husked
Grated cotija cheese, optional
In a small bowl, mix butter, cilantro, lime juice, and lime zest. Shape into a log; wrap in waxed paper. Refrigerate until firm., about 30 minutes. Wrap each ear of corn in a piece of heavy duty foil. Grill corn, covered, over medium heat until tender, turning occasionally, 15-20 minutes. Cut lime butter into 12 slices. Remove corn from the grill and carefully open the foil, allowing steam to escape. Serve the corn with butter, and if desired, a sprinkling of cheese.

Recipe of the Month

Avocado Toast
A lot of people don’t know what to do with Avocado’s, besides Guacamole, of course! Here is a versatile recipe that is so easy and fresh for summer! You can change it up so many ways, and it is so healthy! - Michelle
· Whole grain toast (or any bread)
· Ripe avocados
· Egg (I used fried over easy, but could use boiled, poached or scrambled)
· Seasonings—Salt and pepper, or my favorite, Everything Bagel Seasoning!
· Tomatoes (optional) - use halved cherry or sliced, you can even marinate them!
· Other optional ingredients: Bacon, Chives, micro-greens, Cholula hot sauce, feta cheese , red onion, salmon, squeeze of lime juice, etc. Feel free to make it how you like!
Instructions: Cook your egg (if using), make toast, add mashed up avocado on the toast, put egg on top, top with toppings and sprinkle with seasonings!

I’m a Barbie Girl…..

By Amy Haldorson
Does your child have a Barbie jeep or an electric bike? If you come to my house, you’ll more than likely see a couple of kids zooming around on them all over our yard. Sometimes even running over pets or their siblings. There has also been an occasional 3am Barbie car race between adults. Shhh don’t tell my kids. One particular beautiful starry night my friend and I were bored. Because, why sleep at 3am when you can drive Barbie cars around. She hopped on and the next thing you know she's zooming towards my garage door. You know how this turns out….I blamed it on the kids of course. When I asked Chad how to go about turning in the claim, he had more questions than usual…but my first thought was, am I liable for this damage? Most homeowners insurance policies now extend coverage for motorized vehicles, including Barbie Jeeps. But, there are some exceptions to this rule, so you may want to check with your insurance agent. Now, if the Barbie car had an accident off our property and hit someone else or someone's else's property, I may have been liable. Homeowner’s policies may or may not provide coverage while on the insured premises, and it less likely that polices extend coverage for these motorized vehicles beyond the property. This could leave your clients (and possibly YOU) open to a liability exposure if there were to be an accident, injury or property damaged caused by the motorized vehicle….and yes, Barbie Jeeps and electric bicycles are considered motorized vehicles. As the weather warms and those warm weather toys come out of the garage and on to the driveways….and sidewalks and streets, it is a great time to ask your talk to your insurance agent about any toys that you may have on your property.

Safety Tips for Electric Cars for Kids:
1. Inspect the car. Do a once over and make sure there are no broken or missing parts. Additionally, you should get familiar with how the toy works. Make sure there are no exposed electrical components or sharp edges.
2. Create a safe riding environment. Think about helmets and seatbelts, riding surfaces, and fences.
3. Properly maintaining the vehicles are important. The main components to keep an eye on for an electric toy car are; wheels, body and battery.
4. Cleaning and proper storage. If you want the toy to last a long time, do not keep it outside. Rain, snow, moisture and curious critters are all threats and will easily dam-age, as well as damage the battery.
5. Age and weight limits. Be sure to check out all the features and limitations of a car before buying it to ensure its age and weight are appropriate for you child.

Community Spotlight

Its Spring Time!
Time for…..pumpkins? You read that right. With help from area businesses, the Rugby Chamber and Prairie Village Museum are gearing up for Rugby’s newest project. They plan to open a pumpkin patch and corn maze near the museum in October. Let the planning begin! The pumpkin patch and corn maze will sit just to the west of the museum buildings on the museum grounds. The plan is to have it open to visitors for five weekends in October. They realize October is a long way away, but in order to make some of the purchases, they need community help now. A needed $20,000 has already been cut in half by events put on since January. In addition to the pumpkins, funds are needed for a barrel train, corn maze, and peat pots to start seeds over the large swath of land. Other items still in the idea stage include a horse-drawn wagon to transport visitors from the museum parking lot to the pumpkin patch. Local businesses have started to sponsor and will be have the opportunity to if they haven't already. All sponsors will receive recognition. It wont go unnoticed.
For more information on ways to help with the pumpkin patch, call 701-208-0539.
Let’s help make this happen!

Recipe of the Month

Tropical Chex Mix
"This Chex mix was an absolute hit at NuLine’s stop on the Rugby Beer and Seltzer crawl last month!"
5 tablespoons butter melted
5 tablespoons brown sugar
2 teaspoons coconut extract
4 cups Rice Chex
4 cups Corn Chex
1 cup macadamia nuts
1 cup dried pineapple pieces
1 cup dried banana chips
1 cup dried coconut pieces or 1 cup shredded coconut (optional)
Mix the melted butter, brown sugar and coconut extract. Place the Rice Chex, Corn Chex, nuts, bananas and pineapple in a large bowl. Pour the butter mixture over the cereal mixture and stir until everything is evenly distributed. Spread on a parchment lined cookie sheet. Bake at 275 degrees for 45 min, stirring every 15 min. Add coconut for the last 15 min. & watch Hazelnuts closely) Cool and store in an airtight container.

What is Kiwanis?

A lot of communities have a Kiwanis Club. Most people have no idea what the Kiwanis is about and what they do! Take it from our own, Michelle Weinmann, here at NuLine. She joined the Kiwanis last year after being invited to one of their monthly meetings, and has really enjoyed being a part of the group. In fact, she has taken on the public relations aspect of the local club.
The Harvey Kiwanis was established in 1923. For close to 96 years, Kiwanians have volunteered in various capacities serving the children of the area. Harvey Kiwanis is a member of the International organization also. Some of the local Harvey projects have included pancake feeds, Coats for Kids, book sales, scholarship awards, Welcome back to school events, ditch cleaning and the Kiwanis Community Playground Project. The playground project is the most recent project in which they were able to add more equipment to the Centennial Park play area, a toddler set for ages 6-24 mos! They also volunteer to serve concessions at the movie theater and take tickets at local football games. As everyone has busy schedules, you are not required to assist in all events. Who can become a member? ANYONE! The main objective of a Kiwanis group is to help children in all types of capacities. It’s a very rewarding organization to be a part of. They are always looking for new members desiring to improve the lives of children in their community. Harvey Kiwanis meetings happen once a month for an hour with a guest speaker, along with lunch. Topics vary from local businesses telling about their services, to travel topics, or a mission trip, etc. They are always open to learning new topics and expanding services to area youth. Michelle has enjoyed being part of the group so far and is amazed at the drive to get projects done for the community. She encourages people to call her and come to a meeting and check out what Kiwanis is all about!