Thursday, August 27, 2020

Also a mutual company, New Jersey Manufacturers Insurance Company (NJM) became the first company to earn the J.D. Power Personal Auto Claims Certification, a feat it has repeated for two years running.

The certification “recognize[s] brands that provide exceptional claims experience in the automobile, property and small commercial segments.”

NJM expanded its service to Pennsylvania in 2018. That opened up the company to a bigger potential auto insurance customer market in the Mid-Atlantic.

Because NJM is a mutual company, policyholders get an annual dividend each year. For example, auto insurance customers received a regular dividend of 5%, applied as a credit upon renewal, and a special dividend of 5% sent as a check during a recent year.

Consumer Reports: 10 Top-Rated Auto Insurers
One of the annual studies that Clark watches closely to get a read on the best auto insurance companies is the Consumer Reports rating of auto insurers.

The most recent survey, conducted between 2014 and 2018, asked more than 90,000 readers about their satisfaction with the claims process, the cost of premiums and the overall customer experience with a number of insurers.

Here are the magazine’s rankings:

Thursday, April 23, 2020

Has the moon been sighted for Ramadan 2020?

Has the moon been sighted for Ramadan 2020?

RIYADH: Ramadan 2020 will begin on Friday April 24, Saudi Arabia's Supreme Court reported on Thursday.

The heavenly month in the current year will be uniquely extraordinary to past ones as the coronavirus pandemic has halted a great part of the world's exercises, including at spots of love.

The Grand Mosque in Makkah and the Prophet's Mosque in Madinah, Islam's two holiest destinations, are viably vacant as both city's populaces are under a full check in time to stop the infection spreading.

At the point when Ramadan begins the Kingdom will facilitate the lockdown with the goal that individuals can leave their homes to address vital issues, for example, social insurance and nourishment supplies, from 9 a.m. to 5 p.m.

For the most part, the two urban areas swell with guests every year during Ramadan as travelers from over the globe look for the favors of revering at the heavenly mosques. The Kingdom halted all journeys in late February to contain the infection.

credit source

Monday, April 13, 2020

Sunday, January 19, 2020

be wrapping up

be wrapping up


Hi I'm Sophie and welcome to my world
today I'm going to show you how to wrap
a cylinder and you're like what is a

the cylinder I'm thinking of things like a
a wine bottle or a bottle shaving cream or
something like that whatever you might

be wrapping up and I know you're going
why would you wrap up shaving cream well
if you're anybody who is in the slime
the phase you know that shaving cream is a

a huge part of the slime world and so you
might want to wrap that up as a present
to your little ones, so I'm going to show
you how to wrap a cylinder right now

take your cylinder put your finger on
the edge and roll it until it covers by
about an eighth of a turn to a quarter

of a turn is that in the way there so
let's see if [ go like this hold that
down so you can see okay there's where

it's perfect

that's another quarter turn, and that's

where I'm going to cut as far as the
length is concerned on this I want to
leave it long because[
I'm going to tie it off with a ribbon to

make it look pretty so let's take
peek down here we want this end to be
halfway a little bit more than halfway

that's good, and this gives me a whole
bunch at the top okay let's take a piece
of tape now I like to fold over the edge

just to make it nice and smooth roll it

onto itself, it's kind of fun with
cylinders because of you just kind of roll
and see if you can line up there to see

those little polka dots I'm going to

line up those polka dots I love this

paper and just put a piece of tape there
okay now with the cylinder if I have
done it a little too high up I can

always slide it,so I'm going to push
this is so that it's halfway a little
a bit more than halfway when I fold it

down there we go so first thing you do

fold one end in just like that so I just

pushed one end in then push

instead of going from the opposite side

but like we usually do we're going to

push the top one down to make another

the angle you can rotate it around, so you're

just kind of pushing it down as you go

around like that and then just seal it

off now we're going to find the top of this

and just gently squeeze it take your

ribbon tie it around and make a little

bow and there you have it a beautifully

wrapped cylinder for more great ideas

check us out at Sophie dash world.com



welcome to getting into raw

welcome to getting into raw


  

seriously now I took you to coconut hi

welcome to getting into raw cooking with
Zayn, today I'm going to learn quite a lot.

about coconut, we're to learn how to open

the mature coconut we learn how to open
the baby coconut then learn how to make

our coconut milk so that you can use

it in your Thai style recipes are you

ready alright there are two ways that
you can open a young coconut now the
the reason why you would want to young

coconut is it's full of delicious and
nutritious coconut water and some soft

gelatinous flesh you can use to thicken

up some recipes so the first way the way
in case you're a little bit nervous

about using a big knife such as th
cleaver in this take the knife this one

that doesn't have to be too sharp and

you cannot weigh some of the white

if you have a look at the top of the

coconut you'll see that there's a few

little cracks or lines the cracks seem

to be quite hard and tough but the

little spaces in between the cracks

that's where you want to hit with the

corner of the knife so we use the corner

of the knife into that spot there here

we go and smack the coat up and open it

we do that, and then we simply use the

corner of the knife to open a little

hole in it all right the second way

top of the coconuts are a little bit

more courageous then and this is my

a favorite way of opening the coconut is

to just use it for big whacks hopefully

and you get straight in there you do use

the sharp edge of your knife okay here

goes here you go okay so now we're going

to get into the mature coconut, it's a

a little bit of more difficult process

then a young coconut when you look at

the end of the mature coconut there's

three little eyes that you'll see when

you feel them one of the eyes will feel

softer than the others so we can use

that little eye that's a software to

actually, help us get in and release the

water so we don't make a mess you can

use the end of a knife, but I don't want

to roll a lot of my good nose, so I've

just got a great tip that is a really

good idea to use a corkscrew to do that

so you find that softer eye and then use

the corkscrew to screw into that softer

eye and make a bit of a hole excellent

once we've done that there we go, we can

use the hole to pull the water out yeah

so we just pour out the water from

inside of the mature coconut and pop

that aside just a quick note on waiting

for that to happen when you choose a

coconut inside the store you want to

have a good shake and make sure

that you can hear the water inside the

Coco if there's no water move on to the

next coconut and the other thing that

you want to do is check those three

little eyes in the bottom of the coconut

if there's any black or more again, move

on to the next coconut because of that

means that there are bacteria inside the

the coconut we don't want that okay you can

drink the water from a mature coconut

but I don't like the flavor so

you could have put a straw in there and

drink it yourself, or you could just tip

it out you can discard it use it for

something again it's not my preference

so I won't be using that today all right

let's do this

there you go we had to get somewhere

inside our mature coconut do I be afraid

to give it a good whack now we want to

get the flesh out of the coconut so just use

your knife let's group out bits of

code that once you've got the flesh out

of the mature coconut if you want to use

it to make coconut milk or to add to a

salad or other recipes you want to take

the last of the brown skin off the back

so you can simply use a peeler and slide

it over the edge until you remove that

the layer of brown skin simple as that now

you use the white flesh to gray into

your salads to eat well oh do to make

coconut move excellent well with your

young coconuts you can just use the

coconut water inside you can drink it

new smoothies or add to other recipes

with the mature coconut once you've

cleared the back you can use it to make

coconut milk but if you don't want to go

through the hassle of opening up your

own mature coconut you can also make the

coconut milk using desiccated coconut

that you can buy from the supermarket

I'd highly encourage you to buy

the desiccated coconut that doesn't have the

preservative to 200 in it it's much

better for your health that too - always

been linked to causing asthma so you

want to leave that one out now what I've

done already just to get ahead is to put

3 cups of desiccated or shredded coconut

straight into my optimum 9900 blender

it's ready to rock and roll all I need

to do to finish off this recipe is add 4

cups of filtered or bottled water to the

blender as well we have the blender 3

cups of desiccated or shredded coconut**

from the supermarket and 4 cups of water

remember you could have used that mature

coconut flesh but this is a much easier

way than opening your coconut even

though it's a fun mission we put the lid

on make sure that it's locked into place

and then you simply turn on the blender

once it's well blended all you need to

do is turn it off check out you can see

it looks sweet and creamy, but there were

plenty of pork inside this part is the

the natural part we pour the mixture from the

blender strain into one of these this is

called a nut milk bag there is a

difference between a sprout bag and a

nut milk bag the nut milk bag is a nice

fine weave which means that the pulp

stays on the inside and the liquid comes

out so we pop it in a bowl I usually

hook it over the lip of this particular

ball and hold it with my hand and then i

use the joke and pour it straight down

the side of the bowl just being careful

that you don't let the edges fall in

once you've got all the liquid inside

the nut milk bag most will start to come

through on its own but just in case

squeeze gently all you want to do is

turn and squeeze turn and squeeze and

squeeze it's quite fun if you

be cranky mm-hmm and all that beautiful

coconut milk will come through okay so

you'll see that all the liquid starts to

come throughout, and this is a great job

you've got kids or a hubby or a partner

that you want to engage in the kitchen

you don't have to do very much, but it's

a little job that you can share

with somebody else

after a while, there won't be anything

coming out and you'll be left with the

the pulp inside of the bag and the milk

inside of the bowl now this pulp you can

use to make coconut macaroons or you can

pop it in a dehydrator you'll

see that it's quite excellent in a dehydrator

and turn it into coconut flour to use

for your other baking in recipes we're

going to put it aside today and we're

not going

in the recipes that we're making but

there are plenty of things you can do

with it so don't waste it pop it in the

freezer if you're not going to use it

right away what we have a big bowl of

freshly made coconut milk which you can

use for lots of different recipes any of

your Indian your Thai

you're getting important to glass and

have a beautiful drink to clean your nut

milk bag all you needed to do was turn

it inside outruns it under the tap until

it's nice and clean like this and then I

usually hang mine over the drainer until

it's nice and dry, so we're going to go

and make something different you'll have

to tune in next time to see what we do

with this coconut milk ciao for now

you

let me dress it julienned ingredients


Saturday, January 18, 2020

welcome to my reality

welcome to my reality

Hey I'm Sophie and welcome to my reality
today I'm demonstrating how to wrap

a chamber and you're similar to what is a
the chamber I'm considering things like a
a wine bottle or a jug shaving cream or
something to that effect whatever you may


be wrapping up and I know you're going
why would you wrap up shaving cream well
if you're anybody who is in the slime
the phase you know that shaving cream is a


a huge part of the slime world and so you
might want to wrap that up as a present
to your little ones,

 so I'm going to show
you how to wrap a cylinder right now
take your automobile to put your finger on
the edge and roll it until it covers by


about an eighth of a turn to a quarter
of a turn is that in the way there so


let's see if I go like this hold that
down so you can see okay there's where
it's perfect


that's another quarter turn and that's
where I'm going to cut as far as the
length is concerned on this I want to
actually leave it really long because
I'm going to tie it off with a ribbon to
make it look really pretty so let's take
peek down here we want this


halfway a little bit more than halfway
that's good and this gives me a whole
bunch at the top okay let's take a piece
of tape now I like to fold over the edge
just to make it nice and smooth roll it
onto itself it's kind of fun with
cylinders because of you just sort of roll
and see if you can line up there to see
those little polka dots I'm going to


line up those polka dots I love this
paper and just put a piece of tape there
okay now with the cylinder if I have
done it a little too high up I can
always slide it, so I'm going to push


this is so that it's halfway a little
a bit more than halfway when I fold it
down there we go so first thing you do
wrap one end in just like that so I just
pushed one end in then push


instead of going from the opposite side
but like we usually do we're going to
push the top one down to make another
the angle you can rotate it around, so you're
just kind of pushing it down as you go


around like that and then just seal it
off now we're going to find the top of this
and just gently squeeze it take your
ribbon tie it around and make a little


bow and there you have it a beautifully
wrapped cylinder for more great ideas
check us out at Sophie dash world.com