COLLECTOR CAR VS. DAILY DRIVER WHY SPECIALIZED INSURANCE MATTERS If you own a collector car and a daily driver, you’ve probably noticed major differences between their insurance policies. While traditional auto insurance covers many vehicles, classic car insurance (sometimes called collector car insurance) can save you money. The reason is simple: Big-name insurance companies may not fully understand how to insure your prized collector car properly. What qualifies as a collector or antique car? • 15-20 years old (or older) • Considered rare or highly desirable • Often includes sports cars, muscle cars, or exotic vehicles While your daily driver is the vehicle you rely on for everyday errands, commuting, and getting through rainy days, your collector car only comes out for special occasions, often in nice weather. Because these special vehicles are driven far less frequently than regular cars, the cost to insure them tends to be lower.
Sleep Stealers Avoid These Foods for Better Sleep For the estimated 1 in 3 Americans who struggle with insomnia, avoiding sleepless nights is a top priority. Most people know to ease into relaxing activities and avoid blue light from digital devices for at least an hour before bedtime. However, avoiding certain foods that can keep you awake is just as important. Here are four of the worst culprits. RHYTHM WRECKERS Cheese lovers, beware! Tyramine, an amino acid found in fermented and aged foods, including cheese, tends to trigger the release of norepinephrine, a neurotransmitter that can raise blood pressure. Alcohol also is believed to interfere with circadian rhythms by disrupting the body’s sensitivity to natural sleep cues, such as waning light in the evening. ACID IGNITERS For the estimated 1 in 5 Americans who suffer from acid reflux, the food and drink consumed before bedtime are pivotal to sleep quality. Foods that trigger this gastrointestinal disorder include spicy items and high-fat dairy products like ice cream. Sadly, popular party fare, which includes cheese, tomato sauce, alcohol, and carbonated drinks, also can trigger heartburn. TUMMY TROUBLEMAKERS As enjoyable as carbonated beverages may be, they can cause gas, bloating, and general stomach discomfort, preventing you from settling into sleep. Other potential triggers of stomach problems include citrus fruits, which have a high acid content that can fuel stomach acid. Citrus also acts as a natural diuretic, prompting you to awaken in need of a bathroom at night. HIDDEN CAFFEINE Avoiding the caffeine in coffee, energy drinks, and soft drinks is a no-brainer, but certain teas can disrupt sleep, too. While even the highest-caffeine teas, including yerba mate and black tea, have less than half as much caffeine as a standard cup of coffee, all true teas — so defined because they are made from the Camellia sinensis plant — still have enough caffeine to disturb sleep. Only herbal teas like chamomile, peppermint, and hibiscus brews are caffeine-free. And chamomile, in particular, contains the added benefit of a plant-based compound called apigenin, which calms the brain.
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