Thursday, January 26, 2012

Haven Restaurant and SNL's Weekend Update

There are two things I love dearly, food and SNL's Weekend Update. Therefore, I've decided to combine both in one post!

Recently, I dined at Haven with my good friend, Catherine Couturier (owner of John Cleary Gallery). Actually, I've been there with her twice and both times were amazing. We visited Haven during lunch and I was surprised to see how affordable the menu was for what I consider to be an upscale restaurant. Chef Randy Evans has put together a delicious menu "using the freshest local ingredients...with food that reflects the flavors of the Lone Star State". I can't think of a better way to describe it! From the deviled eggs to the gulf fish, every item on the menu has been thoughtfully prepared and cooked to perfection. While you're there, stop by the bar and say "Hi" to Adrienne. She's the best and goes out of her way to make you enjoy your visit.

Shrimp Corndog:

Haven Restaurant:

Haven Restaurant
2502 Algerian Way
Houston, TX 77098
M-F 11am-10pm
Sat 5pm-11pm
Sun 11am-2pm

***Logo and images taken from Haven website***

Lastly, I adore SNL's Weekend Update and I've been meaning to post my favorite one for awhile now. I know that there is always controversy surrounding Alec Baldwin, but I don't care. I love his imitation of Tony Bennett so much. This keeps me laughing all day:

From NAR: Homeowner's Insurance Annual Check-up

Here is a great article that outlines how you might be able to save money on your homeowner's policy:

Homeowners Insurance: Time for an Annual Check-Up

Published: August 28, 2009
An annual check-up on your homeowners insurance can result in a healthier policy and a healthier pocketbook.
What type of coverage do I have?
The most effective type of coverage is known as “replacement cost,” which covers, up to your policy limits, what it would take today to rebuild your house and restore your belongings, says Jerry Oshinsky, a partner at Jenner & Block in Los Angeles who has represented homeowners in litigation against insurers.
“Extended” replacement cost coverage provides protection to your policy limit, say $500,000, and then perhaps another 20% of the cost after that. Percentages vary, but in this example you could recoup up to $600,000 on a $500,000 policy, assuming your losses reach that high. Extended coverage can compensate for any unanticipated expenses like spikes in construction costs between policy renewals. Now harder to find due to the industry shift toward extended replacement coverage, “full” or “guaranteed” replacement coverage covers an entire claim regardless of policy limits.
A less attractive alternative is “actual cash value” coverage that usually takes into account depreciation, the decrease in value due to age and wear. With this type of policy, the $2,000 flat-screen TV you bought two years ago will be worth hundreds of dollars less today in the eyes of your claims adjuster. Kevin Foley, an independent insurance broker in Milltown, N.J., favors replacement cost coverage unless you can save at least 25% on the premium for going with actual cash value coverage instead.
Even if you have replacement cost protection for your dwelling and personal property, don’t assume everything is covered. Structures other than your home on your property—such as a detached garage or swimming pool—require separate coverage. So too do luxury items like jewelry, watches, and furs if you want full replacement cost because reimbursement for those items is typically capped.
How much coverage do I really need?
OK, now that you’re clear on what type of policy you have, you need to figure out how much policy you truly require in dollar terms. Let’s say you purchased your home five years ago and insured it for $200,000. Today, it’s worth $225,000. Simply increasing your coverage to $225,000 may nonetheless leave you underinsured. Here’s why.
The key to determining how much dwelling coverage you need isn’t the value of your home but the money you’d have to pay to rebuild it from scratch, says Carlos Aguirre, an agent for Liberty Mutual Insurance in Arlington, Texas. Call your local contractors’ or homebuilders’ association and inquire about the average per-square-foot construction cost in your area. If it’s $150 and your home is 2,000 square feet, then you should be insured for $300,000.
There’s no rule of thumb for how much your homeowners insurance should cost. Insurers use numerous factors—age, education level, creditworthiness—to determine pricing, so the same policy could run you more than your neighbor. In recent years the average annual premium was $804. Oshinsky advises against scrimping on insurance because big increases in coverage probably cost less than you’d think. He recently purchased a liability policy that cost $250 for the first $1 million in coverage. Adding another $1 million increased his premiums only $12.50 more.
How can I lower my premiums?
The higher your deductible, the amount you pay out of pocket before coverage kicks in, the lower your premium. Landing on the appropriate deductible level requires remembering that insurance should cover major calamities, not minor incidents, says Foley, the independent insurance broker. Most homeowners should be able to absorb modest losses like a broken window pane or a hole in the drywall without filing claims. If you can, then you’re wasting money with a $250 deductible.
Foley’s rule: If you’re a first-time homeowner and don’t have a lot of savings, moving up to a $500 deductible will probably stretch your budget. However, if you live in a ritzy home and drive an expensive car, then you should be able to afford a $1,000 deductible. In Milltown, N.J., for example, the premium for a $200,000 home with a $500 deductible would be $736, according to Foley; moving up to a $1,000 deductible drops the annual premium to $672. That's $64 in savings.
Every major insurer offers discounts to various groups, such as university employees or firefighters. Figure about 5%. Ask which affiliations would entitle you to a discount and how much. If an AARP membership would result in a $50 savings, pay the $16 dues and pocket the $36 difference. Many insurers also offer discounts ranging from 1% to 10% or more for installing protective devices like alarms and deadbolt locks, for going claim-free for an extended period, or for insuring both your car and your home with the same carrier.

Tuesday, January 3, 2012

Material Girls

One of my newest obsessions is Pinterest. Actually, this is a growing obsession for many (mostly woman). I have found so many cool new blogs through Pinterest, most notably my new favorite design and lifestly blog, Material Girls.

Material Girls focuses on all things beautiful in a range from affordable to outrageous. The blog has different authors from different cities including Houston. Lauren Haskett, founder and managing editor of Material Girls is also the Houston contributor and she is fantastic. She is a great design resource and I read her blog religiously.

Here are a couple of pics of her baby's first birthday party. I love how she incorporates design into her personal life and shares it with her readers:

And what a cute way to store presents as a showpiece during the festivities:

Hop over to the Material Girls today and let me know what you think. You won't be disappointed!