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Sometimes we get a little too much of the sweet stuff. Between Halloween and New Year’s Day, candy is everywhere. It’s at home, at work, and on store shelves. Then, as the year comes to an end, many people start thinking about eating right and losing weight. When those are your New Year’s resolutions, you have to do something about all the leftover candy so it’s not around come Jan. 1.
Here are a few ways to get rid of your leftover candy ASAP. Donate it. While you may have an abundance of sweets, not everyone does. Consider donating wrapped and packaged candy to your local food bank or other nonprofits, including local homeless or women’s shelters. You can also look into donating candy to nearby schools. Many teachers will gladly take candy off your hands to reward students (or themselves) with treats throughout the rest of the school year. Bake with it. Whether you have an excess of candy corn or candy bars, you can bake with your sweet leftovers. The next time you make chocolate chip cookies, swap out the chocolate chips for candy corn. Or the next time you make brownies, chop up leftover candy bars and add them to the batter. From peanut butter cups to
mint patties, there are so many different types of candies that can take traditional baked goods to the next level. Store it. Although not great for you, candy is fine to eat in moderation. A good way to moderate your holiday treat intake is to store your leftover sweets in the freezer. That way, you can pull a little from your supply each month to make sure you aren’t overdoing it. That said, be sure to check the expiration dates on all candy you save.
After an Accident You’re Not At-Fault —Will Your Premium Go Up?
When it comes to auto insurance, nearly everyone has a deductible. This is the amount your policy requires you to pay toward the cost of any repairs whenever those repairs are needed — often after a collision. In most cases, the higher your deductible, the lower your premium is for collision coverage. All too often, people worry about the cost of their premiums when they make claims. They are concerned their premiums will go up, whether or not they are at fault. Some people even avoid filing a claim and continue to drive a damaged vehicle or pay out-of-pocket.
premium should not increase if you were not at-fault. If another driver runs into you, this does not demonstrate that you are an unsafe driver and should not reflect what you pay for insurance.
If an insurance company raised the premium of the driver who is not at fault, they would lose customers. It’s a horrible business practice and poor marketing. There is always another insurance company out there willing to take your business.
However, there is no guarantee that your insurance carrier won’t raise your rates, even if you are 100 percent not at fault. If this happens, open a dialogue with your carrier to see if you can avoid the rate increase. Alternatively, start shopping around for a new insurance provider. Ask any potential new carrier if they raise rates on their customers following an accident, when they are not at fault.
When you are in a collision, you should do what you can to get the insurance information from the other party, and you should file a claim. Realistically, your
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