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  1. Good Tuesday to you, dear ADI Forum Reader, I hope you are all well and doing great. Quick personal update … I am still dealing with pneumonia, however, I am doing better than most (Superhero and all) and I am hopeful that by this weekend I will be in prime-super-form once again. OK, on to the hot topic at hand for today’s TMIT – Cancellation due to non-pay. As we all know, it has been a topsy-turvy world in 2020 and things have been difficult for many. Not to rehash the past, or pontificate ad nauseam on the future, but shut-downs, stay-at-homes, business closures, limi
  2. Happiest Thursday to you, dearest reader, I know it has been a while and I am sure you are thirsting for a new TMIT by this point. I looked back and I believe the last posting I graced you with was around June the 1st. That means that it has been nearly 5 months since you have heard from me. My most sincere apologies to you for “Leavin’ ya hangin’!” As you know, summers generally are quite a busy time for a myriad of reasons, and I do not post much during those months. Family time, nice weather, and fighting the insurance battle is quite time consuming during the warm w
  3. Healthy Tuesday Morning to you all, I truly hope my post finds you doing well and staying that way. The most important thing during these uncertain times is to remain positive. I know that with all is going on in the world and the economy, and businesses being shut down, it is sometimes hard to find things to remain positive about, but they are still out there. For one, it is St. Patrick's Day. That is a good thing!!! Maybe grab yourself a "Black & Tan" or a "Guinness", and focus on the day and all that you do have to be thankful for. Cheers to you, my friends. As
  4. Good Friday to you dear ADI readers, As you know (or you should know by now), I put up a TMIT entitled “Coronavirus” that was done in jest to try and alleviate some of the stress and tension that is surrounding this pandemic. It was done for fun and to be funny. This virus IS a serious issue and is having economic ramifications that are far and wide and will be felt for quite a while to come. With that, I did want to put up a more serious insurance post. I, InsuranceMan 2.0!!! have been speaking with quite a few clients recently asking about how insurance may appl
  5. Dearest ADI members, I truly hope you are all well, and staying that way in the midst of this crazy pandemic. I have to tell you, I am disappointed with the news and media sources in the light of the events unfolding around the world. I personally think that this virus is horrible, do not get me wrong, but I think that things have become overly sensationalized in recent days. The common flu causes more deaths annually than this virus has caused, yet we do not cancel sporting events, drop the stock market through the basement, and ban gathering of 250 people or more. I am not 100%
  6. Happy Tuesday Morning to All!!! I have something very special on tap for you today in this installment of the TMIT. You have probably heard the old adage of, “Use your powers for good, not evil.”, right?!?!?! Well dear reader, I am always using my superpowers for good. As you also know, I am always looking for new ways to assist you here on the forums. Whether it is by improving your insurance options, coverage’s, or carriers, or offering referrals to great cooperage's, TTB experts, or whatever … I have a very cool offering for those of you out there that are looking to m
  7. GOOOOOOOOOD Morning ADI!!!!!!!!!! Where do I begin this TMIT?!?!?!?! I guess with a flashback - wavy - movie type - memory sequence. Que the music and fog machine ... Many, many years ago I had the privileged of attending my first ADI convention after being involved on the forums. Back in the day, being a rookie to the convention, it was overwhelming walking into the expo area and finding my booth. All of the delicious copper stills set up, bottle sales people with grandiose displays, all the different barrel char wheels and stave samples, and on and on it went. And th
  8. Happy Tuesday to all of you, my dear readers, I have to say, this TMIT is not so much insurance related(although, very much so), but more of a reflection of the last many years spent here with you here on the ADI forums. The last decade has been nothing short of amazing!!!!! Something that I truly owe to all of you and to to ADI organization. This forum and this organization has given me so many wonderful opportunities and the chance to connect and meet so many amazing people. I am truly blessed in so many ways. This post is really more of a recap of the last decade (be
  9. Happy Tuesday Morning to you, Dearest ADI Forum Go-ers!!!!!! In today's installment of the TMIT all I have to day is this. HAPPY NEW YEAR TO EVERYONE!!!!!!!!!! This has been an outstanding year, don't get me wrong. The FET extension, all of the new clients I have assisted, all of the past clients that I continued to enjoy yet again in 2019, and all of the amazing folks that I speak to everyday. I am fortunate, but I am Sooooooooo looking forward to 2020. I think it is going to be an amazing year, and the start of a fantastic new decade. So, enjoy your celebrations, be safe, and
  10. It is TRULY a happy Tuesday Morning Insurance Tidbit (on Thursday) kind of day!!!!!!!!!! Welcome dearest reader! Welcome to this installment of a historic and monumental TMIT. I, InsuranceMan 2.0!!! knowingly held off on writing this TMIT until today for a few reasons. Yes, yes, my superpowers know no bounds and I knew that I should hold off on this week’s installment until today. I had a sneaking suspicion (wink, wink, nod, nod) that the FET Extension would garner approval and be passed off to the POTUS prior to weeks end. Yes, there have been many grumblings an
  11. Happy Tuesday Morning Everyone, Ah yes, Tuesday! One of our most favorite days. Not because it is only two measly days into slugging through the week, but because it means it is time for the TMIT!!!!!!!!!!! <Sounds of throngs of adoring fans cheering and chanting TMIT … TMIT … TMIT …> Thank you … Thank you … You are too kind!!!!!! On to it then! Today I am touching on something that we have not spoken about before, but like a loud bang in the night, it awoken me in the midst of the night with me thinking to myself, “Self …” I thought to myself, “
  12. Members 3 77 posts Report post Posted 3 minutes ago I know it is a bit late one the day, but I have been out celebrating!!!!!!!!!!!!!!! Happy repeal day, everyone!!!!!!!!!! This is why you and I are in business together!!!!!!!! The repeal of the 18th amendment to the constitution, the only amendment to ever be repealed!!!!!!!!!!!!! 86 years ago on this day, the amendment to repeal liquor ordinance
  13. It is Tuesday, that means it is time for the Tuesday Morning Insurance Tidbit!!!!!!!!!! My goodness! Where to start???!!!?! Well, as the title eludes to, I had some really well thought out and great plans in store and I was sooooo, soooo excited to execute them. I was going to put up a teaser on Tuesday last week and then hit you all with a great post on Thursday for Thanksgiving. I wanted to tell you all that I am so thankful for all of you, for being allowed to be InsuranceMan 2.0!!! for the last 9, now almost 10 years, how I am thankful for what I do and for all of the
  14. Happy Tuesday to all of you, my dearest readers, As you may have noticed, we have gone a couple of weeks without the weekly installment of the TMIT, and for that I apologize. As it turns out, InsuranceMan 2.0!!! was otherwise occupied fighting many facets of E V I L !!!!! From some family illness, to working on several very important top secrete projects (hopefully to be announced first here in the future), I have had to take a bit of a reprieve and structure some things differently for a time. Alas, I am back, and with a VENGEANCE (insert cool sound effect here)!!!!!!!
  15. Happy Tuesday Morning To All, As you probably have noticed, if you are a loyal reader and follower of the TMIT, there was no installment of the TMIT last week, and this week’s posting is a little tardy. Well my friends, as it turns out, bilocation is not one of my superpowers. I lack the ability to be in two places at the same time and for the last week or so I was taken out of Sheridanopolis so that I could attend my big brothers 50th birthday. That was certainly something that I was not going to miss and being that we were in Grand Marais, MN the internet capabilities wer
  16. Happy Tuesday My Friends, In today’s installment of the TMIT I want to talk about what it means when an insurance speaking person mentions the term “Hard Market.” As with most things, insurance operates on cycles. Most things in the world are cyclical, and insurance is no different. Often times there are many good years in the insurance industry where businesses flourish, the economy is good, and losses are low. Years without natural disasters assist in this arena very much as well. These times are known as “soft markets”. Insurance companies write a lot of business and
  17. Happy Tuesday Morning Dear ADI Forum Readers, Today in the TMIT we are going to turn our attention to something that many of us don’t want to necessarily discuss or talk about. With the days getting shorter, and many of you located in those cold and snowy areas (see, we don’t want to talk about this, right?!?!), something that needs to be at the top of your mind is the fact that as temperatures dip into that “below freezing” area, pipes can and do freeze. Now, I don’t want to get into some type of physics lesson here, but we are all aware of what happens when water freezes,
  18. Happy, happy Tuesday!!!!!!!!!!!! Ah ... I know that summer is never long enough, but fall has finally started to settle in on Sheridanopolis, and I could not be happier. It is my favorite time of year. Cooler temperatures (but not too cold), the smell of the air, the brisk mornings. What is not to love! I hope that wherever you are, you are making the best of this time of year. Today in the TMIT I want to address something that has needed addressing for a long time, the word "Premium". What does it mean? Well, it actually means a lot of different things. Accor
  19. Tuesday is upon us once again, dearest ADI-ers, so here we go. In today's installment of the TMIT I am actually going to ask a short and sweet question and I am hoping for several responses from the forum goers. I am wondering to myself, "Self ...", I wonder ... "How many distillers out there would like to have a health insurance alternative?" So, what I am asking is the following, how many distilleries out there would be interested in some sort of health insurance plan? It could be an individual group type policy, but more what I am wondering is would there be interest in
  20. It’s Tuesday, It’s Tuesday, Woo, Woo!!!!!!!!!!!!!!!! Good morning my friends in ADI-land! Do you ever have those days where you wake up and do your superhero work out (usually consisting of the dog running me, not the other way around), your weight training routine, and then have some wonderfully flavorful French press coffee and a luxurious breakfast and you just feel like the word is your oyster?!???!?! Well, if you have had those mornings then you know how I am feeling. All is right in Insuranceopolis and I am just in a hap-hap-happy mood. I hope this post finds you feeling th
  21. Happy Tuesday To All, In today's installment of the "Tidbit" we are going to try something I gave a shot a while back but it was not as well received as I had hoped it would be, but first ... In the spirit of always growing my superpowers (and due somewhat to regulations and complilance), InsuranceMan 2.0!!! has been a bit preoccupied with CE. Ah yes, as any of you that came from or are still dwelling in the professional world (outside of distilling), there are requirements for Continuing Education (CE) in order to keep your licensure up to date and make all of the regulators happy
  22. It is Tuesday here on the ADI forums, and we all know what that means … In today’s installment of the Tuesday Morning Insurance Tidbit we are going back to the basics. I have had many conversations with folks who were not entirely certain what the different coverages of an insurance policy are, how they are broken up, or really what they mean. So, in today’s installment of the TMIT we are going to dissect a basic insurance policy and provide a 30,000 foot perspective. First and foremost, again, this is a very rudimentary explanation of an insurance policy. Many of
  23. Happiest of Tuesday Mornings to You, My Dear ADI-ers!!!!!!!!! Well, today’s TMIT is going to be fairly short and to the point (fairly). I am not putting up this post to Insurance-shame anyone, I am just addressing a particular issue that has been somewhat prevalent as of late. Let’s start with a scenario, shall we? You make booze. No, you actually are handcrafting a unique and individual spirit unlike those produced by anyone else. You have taken painstaking amounts of time to hone your mash bill, tweak your recipes and keep insanely detailed notes as to the over
  24. Happy Tuesday Morning, ADI-Land!!!!!!!!!!!!!!! I know, I know, you are probably currently undergoing some-sort-of anxiety as well as other physical symptoms of withdrawal associated with not having you weekly dose of the Tuesday Morning Insurance Tidbit for the last couple of weeks. Well dear reader, sit back, take in a deep breath, sip your coffee or what-have-you, and relax. I am back and you can rest easy knowing that the TMIT is back in all of its outstanding glory for your reading pleasure ….. You’re Welcome!!!!!! Yes, it has been a few weeks since the las
  25. Good Tuesday Morning fellow ADI-ers, In today’s installment of the “Tidbit”, I am going to address a topic that I have been running into more and more lately and it is of utmost concern. Specifically the issue of "Policy Identity Confusion". I kid you not, out of the last dozen or so policies that I have looked at from other agents, (and keep in mind, they are not insurance superheroes like me, InsuranceMan 2.0!!!, they are just plain-old insurance drones) I have seen this issue no less than 5 times! 5 TIMES, PEOPLE!!!!! That is almost half!!!!!! Goodnight, that is A TON, and it
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