Emery Law Office - December 2017

UNUSUAL HOT CHOCOLATE RECIPES TO ENJOY THIS HOLIDAY SEASON

’Tis the season for hot beverages! Sure, Americans love coffee all year long, but as the holidays roll around, hot chocolate sales boom. There’s something satisfying about sweet, rich chocolate topped with whipped cream and marshmallows. It’s a classic combination, but who says the classics can’t be updated? Broaden your hot chocolate horizons this holiday season with some truly unique recipes!

Raspberry Hot Chocolate

Tired of the dreary, gray winter weather? Is sounds like you could use a dash of sweet pink! Real raspberry puree gives this drink a much-needed burst of fruity delight, especially when you swap out the usual milk chocolate with creamy white chocolate. Toss a few raspberries on top, and you’re sure to be enchanted by the colors and the flavor. Check out the recipe at sugarhero.com/raspberry-white-hot-chocolate/.

Aztec Hot Chocolate

Frozen Hot Chocolate

This spicy drink pays homage to those original chocoholics, the Aztecs. Cacao beans are native to Mesoamerica, and the ancient Aztec loved to grind the beans and serve them in a bitter, frothy liquid. In this recipe, dark chocolate, chili pepper, and cinnamon blend into a rich treat, but you’ll also have access to a couple ingredients the Aztecs didn’t have: sugar and milk. Learn how to make the perfect winter drink at theendlessmeal.com/spicy-aztec-hot-chocolate.

If your winter wonderland view is less than snowy, you might be craving a cooler hot chocolate beverage. It’s your standard hot chocolate recipe, but it replaces the pot and stove with some ice and a blender! Yes, you can still top it with whipped cream and sprinkles. Find the full recipe at centercutcook.com/frozen-hot-chocolate/. Whether you’re a casual cocoa drinker or a true chocolate connoisseur, there’s an incredible recipe waiting for you. The best part? You can keep trying different hot chocolates until you find your new favorite.

ARE THERE HOLES IN YOUR AUTO COVERAGE? LET US REVIEW YOUR POLICY FOR FREE

policy, but you’d be surprised how many people waive that coverage unknowingly. If you’re in an accident with an uninsured or underinsured driver and you lack these policies, you can end up paying out-of-pocket for damages caused through no fault of your own. At this point, you may be wondering if there are situations where somebody has too much, rather than not enough, insurance. These situations do happen, and they are often related to the size of your collision coverage deductible. If you drive an old vehicle and cannot afford to pay the size of your deductible, you may want to consider restructuring your policy. In our reviews, we don’t just cover these common issues. We review every aspect of your policy. We show you what you have, suggest options for improving your coverage, and let you make the personal decision regarding what’s best for you. Our consultations are totally free and take about 30 minutes to complete. We ask that you schedule an appointment and bring your policy declarations page with you, which can be obtained from your insurance agent. Call us today to find out what holes may be hiding in your auto insurance policy. I am not licensed to sell auto insurance, nor do I benefit in any way from providing policy suggestions. My goal is simply review your policy and make sure that you have the best coverage for your needs.

At Emery Law Office, we wish that auto insurance policies weren’t so confusing. As the system works now, however, people often don’t understand the intricacies of their policy. Everyone deserves to have peace of mind when they’re out on the road. Because of the lack of clarity surrounding policy decisions, we offer a free auto policy review to anyone seeking a little guidance. The two areas where policies are most often lacking are uninsured motorist (UM) and underinsured motorist (UIM) coverage. These types of coverage cover costs incurred to you in the event that you are injured or your car is damaged by a driver without sufficient coverage, or without insurance at all. In Kentucky, UM coverage is standard on every

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