October is National Cybersecurity Awareness Month. While many forms of ID theft cannot be prevented, there are some simple things everyone can do (both in their personal lives and even at work), to mitigate the risk.
Do Not Use the Same Password Across Multiple Programs
Studies show that 55% of all people repeat their passwords, many even using the same passwords at home and at work. If a criminal were to obtain your password and combine it with your email or other pieces of personal info, they can attempt to breach many accounts at once, including credit cards and bank accounts.
Protect Against Medical Identity Theft
Credits cards are a small percentage of all identity theft. Most banks have this under control.
The #1 culprit is Medical Identity Theft at 43%. The cost of health care has sky-rocketed, making health care a luxury for many. The scariest part of this happening is that — due to HIPAA laws — one would never even know. If you were to receive medical care and were a victim…it would be your name but another’s health record. Perhaps you were allergic to a medication, had a health condition worth noting and more. This situation could literally be a case of life or death.
What’s the Price of Your Identity?
The median price to purchase someone’s identity was only $21.35 in 2015. This is a low price to gain access to stealing an individual’s identity. Couple that with the plethora of data breaches….. it is becoming harder to feel secure in this CyberAge.
How To Protect Yourself
What can you do? You cannot undo what is already out there but one can be proactive for the future. LegalShield has partnered with Kroll to provide our members 24/7 Identity Theft protection. ID Shield monitors what matters. Not only that — but should you become a victim of identity theft — your personal private investigator will do whatever it takes; as long as it takes; however much money it takes to restore your identity back to pre-theft status.
Do you love to dance? Do you love moving your body? The Aspire Project located at 8426 N. Lombard Street offers over 55 dance and fitness classes a week for students ages 3 years to 83 years old!
Affordable and Accessible Dance Classes
Since 2009, The Aspire Project has provided affordable and accessible dance programs for Portland’s youth and in 2015, The Aspire Project found their permanent home in downtown St. Johns. They currently offer classes for all ages in ballet, tap, jazz, hip hop, contemporary, yoga, Pilates and cardio classes, as well as a youth academic lab.
No Student is Turned Away
At The Aspire Project, no student is turned away. The organization aims to provide programs for students who could otherwise not afford the opportunity. Currently, 50% of students in the studio program receive discounted tuition as based on financial need and the outreach program offers classes in five North Portland schools, Assumption Village and the Rosewood Initiative.
2nd Annual Fundraising Gala October 13th
On October 13, 2018, The Aspire Project is hosting their 2nd annual gala, Raising The Barre from 5:00-8:30 pm at the Village Ballroom. This money this gala raises helps to provide affordable and accessible programs for ALL. Will you join us and support The Aspire Project? Stop by The Aspire Project to inquire or buy tickets here.
Fall is officially here. The cooler weather means it’s finally time to turn on our ovens and start cooking again. It also means SOUPS! Not just any soup though, Ginger Squash Soup. This recipe is one of my favorites because it is so easy and delicious. I am honestly the laziest cook, so the easier the better. Plus this recipe makes a big batch, which means you can freeze some for later. Roasting the squash gives this soup a delicious flavor, the apples add a touch of sweetness, the ginger gets things spicy and the coconut milk mellows it all out with some creamy goodness. Happy cooking! I hope you love this soup as much as I do.
4 Acorn or butternut Squash (or any other variety)
2-4 T Fresh grated ginger ( The more you use, the spicier your soup!)
1 Large onion, diced
1-2 Cloves garlic, peeled and finely chopped
2 C Chicken bone broth or vegetable broth
2 C Coconut milk (I prefer this brand because it is just coconut)
2 T Coconut oil or avocado oil
Fresh squeezed lemon juice to taste
Sea salt and pepper to taste
Cut squash and apples in half and remove seeds. Place face down on a baking sheet and bake at 350 degrees until soft, approximately 30 minutes. Remove from oven and let cool. Trust me these babies get HOT! Remove skins after cool and dice into small pieces. Set this aside. (This can be done a day before if you are short on time. Just refrigerate until ready to cook.)
Saute onion in a few tablespoons of avocado oil or coconut oil until almost soft. Add garlic, saute for a few moments and then add the squash, apples, ginger, broth and coconut milk. Let this all simmer on the stove for about 30 minutes to let all the flavors meld together. After 30 minutes, remove from heat and carefully use an emersion blender or regular blender to puree into a creamy consistency. Add water or more broth if it gets too thick. Add your salt, pepper and lemon juice.
Garnish with a sprig of parsley or cilantro and another squeeze of lemon juice. Then eat and enjoy!
Has this happened to you? You need a plumber, a carpenter, a mechanic, or a mortgage professional and don’t know who to call? That happens every day to thousands of people. Well, where do you find that solution? My kids barely know what a phone book is? Most people use the computer and that can is hit or miss. I have the best answer to that question – call your insurance agent for a referral!
6 Reasons you should call your insurance agent if you need help fixing anything.
1. Most agents have a referral network.
I belong to one of the largest groups in the Pacific Northwest with 35+ members. Considering this group and other groups I am involved in the connections are endless.
2. Our reputation is our name.
If I provide someone with a referral I have checked them out. I would not refer anyone to a partner that I would not let work in my house. As a matter of fact, I have some that I would let watch my kids and we’re not even related.
3. The views expressed online may not be true.
We all know about keyboard cowboys. Sometimes the things that go wrong are not the fault of the business. Having someone with personal knowledge of the company can go a lot further than an online review. Combining online information and the opinion of someone you like, know, and trust is a better way to reach a decision.
4. We deal with a wide array of customers and claims situations.
Every day, I am asked to provide my opinion on something involving homes, cars, and businesses. My background in small business, combined with 14 years in claims is living the jingle; “We know a thing or two because we’ve seen a thing or two.”
6. Our referral partners provide answers not further problems
In insurance, I am in the business of removing or minimizing the risk a person experiences. My referral partners enjoy solving problems. In fact, I always expect them to provide another referral if they cannot fix a problem. You should too.
I’ll give you another reason, they’re free!
So the next time you are not sure who to call try dialing 971.303.8508 or find us at www.lucascole.com
It’s a typical Friday night. My oldest is happy to be participating in his karate class, especially now that he’s bigger than his father. The youngest, well he wants a buddy to play Minecraft with and his dog is loyally handling the job.
Mom is in the kitchen getting things ready after a day at work. She likes her new job because it is flexible and lets her be there when the two boys need her time. Seeing patients in line with her schedule works. Those long hours and days in school are finally paying off.
She goes to the sliding door and lets the other dog out that saw a squirrel run across the back fence. Thankfully, the rain hasn’t started. It’s been a long summer and looking at the clouds it might be the start of the long wet northwest fall, winter, and spring!
Mom looks out the front door and sees the oldest coming back from Karate. It’s time for dinner. She is just happy that she and her family can sit and enjoy this meal together. Three years before this story was written, I died. It really doesn’t matter how.
We have 86,400 seconds in each day. That means we have 3,600 seconds every hour. The reason the above story could be true? I took the 3,600 seconds it took to make sure that my family would be able to have dinner, a dog, and the ability to have a life after the death of a loved one.
People faced with the discussion of life insurance often ask, “Where do I start?”
There are several ways to look at this and the easiest one is usually looking at it through the LIFE acronym.
L – Liabilities What debts would you want to be erased if you pass away? This can be a mortgage, loan, or credit card debt. Anything you want to be paid off would go here.
I – Income Replacement How many years of income would you want your spouse to have? This can depend on the amount indicated in liabilities. Maybe it depends on how old the kids are at the time – or a balance of both?
F – Final Expenses To pay for the arrangements you make with your family to begin the grieving process
E – Education How much will college tuition cost when your children reach that age?
It shows the projected tuition costs for the Fall of 2029 – Spring of 2030
For a 4-year public (out of state) with 5% tuition increases, the cost is $71,373
For a 4-year private (non-profit) with 5% tuition increases, the cost is $92,869
For a 4-year public in-state with 5% tuition increases, the cost is $41,228
Make the increases 7% and the costs jump to $100,239, $130,428 and $57,609 for the schools.*
Source: Campus Consultants Inc * Includes room and board
Clearly, in life and Life Insurance, there are more things to consider then would fit in this post. Please take a portion of the 86,400 seconds you have every day, about 3600 seconds, to make sure that your family gets a typical Friday night dinner if you are not there to enjoy it.
This month’s Cathedral Park Jazz Festival will feature two new events that benefit local food banks!
Pancake Brunch and Bloody Mary Challenge
Sunday morning, July 22nd, beginning at 9:00 a.m.
The Jazz Festival will host their first-ever Pancake Brunch from 9:00 – 11:00 a.m. The cost is $7.00 for adults. Children accompanied by a paying adult eat for free. This will also be in Cathedral Park. Look for the tent with the Pancake Brunch sign.
Bloody Mary Challenge
Meanwhile, adults over 21 can build their own Bloody Mary between 9:00 – 11:00 a.m. at the Deschutes Brewery Beer Garden. Cost is $8.00 per person. Tomato juice, garnishes, and a short of vodka will be provided. At 11:00 a.m. in the beer garden, six bartenders from Portland establishments will compete in front of a panel of judges for “Best of the Fest Bloody Mary” honors. This event is sponsored by Everett West and Tito’s Vodka.
Proceeds Benefit Local Food Banks
While admission to the festival itself is free, everyone is urged to bring two nonperishable food items. Donated non-perishable food and proceeds from the Pancake Brunch and Bloody Mary Challenge will benefit local food banks including:
Things in life are often misunderstood. This can cause confusion and unrest among the population. A recent article highlighted people on Twitter admitting things they misunderstood as children … https://bit.ly/2lDeDut One of my favorites;
“I used to think seahorses were mythical creatures like unicorns or pegasuses (pegasi?). I…umm…was well in my 20s before I saw one in an aquarium and discovered the truth.”
This is not the only individual to misunderstand something well into adulthood. People have often misheard musical lyrics. My 15-year-old loves to correct me about music lyrics. The day finally came during a car ride when I got to correct him. The song; Fix, by Chris Lane, goes “… I’ll be your slow grind, that late night, your Walter White high…”. This obviously is discussing the famous AMC show Breaking Bad. Credit my wife’s parenting skills on the fact that he did not know who or what Walter White was.
The point to this is that we all deal with things in life that we misunderstand. This happens daily in the world of insurance. Take my article from last week discussing rental car insurance. I have had people call and expect their policy to cover them driving in Europe. If you think that to be true, please read that article.
I will work through a few insurance concepts that are usually misunderstood.
When a deductible is due on a claim. When I handled claims the question about paying the deductible was always asked. The misunderstanding often occurs in two areas. How the deductible applies and when the customer pays it. If you have a $1,000 deductible it means that you are responsible for the first $1,000 in damage.
If the damage to your property is not more than $1,000 the insurance company will not issue payment. They owe you money when the damage is over your deductible. If you have a $5,000 claim the insurance company, in the simplest terms, owes you $4,000. This is typically money owed to the repair person of your choice prior to completion. The deductible is paid upon completion. $4,000 from insurance and your $1,000 deductible pay for the $5,000 claim.
Replacement Cost Value, Actual Cash Value, and Indemnification. One principle of insurance is Indemnification. This is the process of making you whole following a covered loss. You are to be made whole, not to profit from a claim. That means if you have a financial loss due to property damage you should be made whole based on the terms of that policy. On home insurance, most companies issue Actual Cash Value (ACV) on an item or material up front. ACV is replacement cost less depreciation. When the new item is purchased the remaining depreciation is paid to the customer. They have received Replacement Cost Value (RCV) and indemnified. Take the $5,000 loss mentioned above. Your carpet has a 10-year lifespan and is 5 years old when it is damaged. The total RCV is $5,000. The depreciation on a 5-year-old carpet with a 10-year lifespan is 50%. The company would owe the 50% of ACV up front less your deductible. That is $2,500 less $1,000 which equals $1,500. When the carpet is replaced the additional $2,500 would be issued to fulfill the RCV.
Like Kind and Quality. (LKQ) and Original Equipment Manufacturer (OEM). This comes up, most often, in the auto repair industry. You have shops that only want to do repairs with OEM parts. I understand that because they can make a lot of money from this process and be most efficient. If every insurance company and auto body repair facility paid for OEM parts, your insurance rates would skyrocket. LKQwww.lucascole.com parts are parts that have come from the same manufacturer as your vehicle, from the same model year or newer. They help the environment by recycling perfectly good parts and reducing waste.
Regular and Frequent Use of a vehicle. If you let your friend drive your truck to move his grandmother across town is he covered? That friend does not live with you. They do not have a key to the vehicle in their possession unless you give it to them. They do not have regular and frequent use of your vehicle. Your insurance policy, for the carriers I represent, would cover you and your friend. If your mother moves in and three months later is not listed on the policy, you would have a much different answer.
I bought a brand-new car, when do I have to call insurance? Well for the new car the coverage of your policy would extend depending on the policy you carry. For my carriers, it is 30 days. The fallout occurs if you only had liability on your previous car. That is all the new car will be provided. If you miss your carriers’ deadline for changing the vehicle there will be no coverage. If you are buying a new car and adding it to the policy, you better call and get coverage before you drive off the lot. The best answer, right away, before you drive the car off the lot.
The answer to most of these is to speak to your agent. If you are in Oregon and Washington and have not spoken to your agent since you bought the policy, give me a call. 971.303.8508.
The St. Johns banners team is proud to announce that we sold all 51 weeks available to advertise in the header of the St. Johns Boosters website.
To catch you up, in the fall of 2017 the Boosters applied for a placemaking grant from Venture Portland to design, print, and install banners in St. Johns. The grant of $3,000 required matching funds. We were hoping to raise $2,000 in matching funds by selling advertising in the website header. Ultimately, we raised $2,900 from businesses who purchased 3, 5, or 9 weeks of advertising. These ads will be seen by the hundreds of site visitors who are looking for restaurants, shops, and services in St. Johns.
Another $500 was raised in-kind matching services donated by Shiref Eksander, owner of Alshiref Design and Print, who worked with the Boosters Banners Team to design the banner.
This means that the Boosters made a profit of $400! The money will go to support lighting the St. Johns business district trees with lights during the holiday season.
The team deserves a BIG thank you for working with the designer, PGE, City of Portland, the Boosters Board, and the printer/installer, Able Sage LLC to bring these 20 cheerful banners to St. Johns. In all, the project required about 100 hours of volunteer time.
Want to Advertise?
If you want to advertise in the website header, check back in March/April 2019 when we will be scheduling ads that begin May 11, 2019. Advertising runs week to week from Saturday to Friday. Ad charges are as follows:
Need an auto loan? Use Oregonians Credit Union and help the St. Johns Booster get a new marquee sign! The St. Johns Boosters have successfully replaced one Marquee sign and hope to replace the other two. In an effort to help raise money for the project, Oregonians Credit Union will be running an auto loan fundraiser.
For a limited time, Oregonians will donate 1% of the balance of your new auto loan to the marquee fund. This offer is valid for new or used auto loans, as well as the refinance of auto loans not currently with Oregonians CU.
Rebate will be credited to St. Johns Boosters within 30 days of loan disbursement. CUDL loans financed directly at a dealership are not eligible. Loan must remain at OCU for a minimum of 180 days or rebate amount will be added to the loan upon payoff. Minimum loan amount of $5,000. Maximum cash back of $500 per financed loan. Refinances of existing OCU loans do not qualify for this offer. We reserve the right to decline a loan request due to credit conditions, collateral value/condition. Rates and terms depend on the individual creditworthiness and collateral of each borrower. No other offers/discounts apply. OCU reserves the right to amend, suspend, or discontinue offer at any time.
Portland, Oregon, May 1, 2018 – The Jazz Society of Oregon’s Cathedral Park Jazz Festival (CPJF) has announced its lineup of jazz, blues, R&B and soul performances for the three-day free event, Friday, July 20, Saturday July 21, and Sunday July 22, 2018, held in Cathedral Park under the historic St Johns Bridge in Portland.
“This is the 38 th consecutive year of the festival, which was started by a group of volunteers looking to commemorate the construction of spectacular Cathedral Park – one of the city’s most beautiful settings,” said Rita Rega, CPJF artistic director. “It has evolved into a celebration of Portland’s diverse music scene. It’s an ‘old Portland’ hang where everyone is welcome because it’s still free and still run by volunteers. It is also the longest-running community event in the Greater Portland area.”
In all, 15 jazz and blue bands will be performing. Youth groups open each day of the festival.
Friday afternoon and evening performances feature some of Portland’s top blues artists, including Norman Sylvester, Reggie Houston, Timothy James, and the NW Women Rhythm
Saturday is a showcase for the women of the Portland jazz community, featuring five female-led groups from the big band of Jessika Smith to the country swing of Becky Kilgore.
Sunday opens with a young jazz guitar hero and ends with a tribute to Ray Charles.
The CPJF planning committee is still looking for community sponsors and volunteers to fill a variety of positions. Sponsors may contact the festival planning committee by emailing
email@example.com. Also check Jazz Oregon website sponsorship page.
5:00pm: Timothy James and the Portland Blues Revival – Strong vocals, instrumentals and arrangements got this talented group of young artists to the prestigious International Blues
Competition in Memphis in January this year.
6:00 pm: Reggie Houston – Former long-time band leader for Fats Domino and Charmaine Neville, Houston is a world-class artists of Blues, New Orleans Jazz and R&B.
7:30 pm: NW Women Rhythm and Blues – Sonny Hess brings together a powerful band of award-winning NW performers, including Joanne Broh, Lady Kat, Leah Hinchcliff, Kathryn Grimm and Kelly Pierce.
9:00 pm: Norman Sylvester Band, featuring Lenanne Miller & Renato Caranto – Show-stopping energy from Oregon Music Hall of Fame member, multiple CBA Muddy Award-winning, Norman “Boogie Cat” Sylvester and his 6-piece band.
Finale sees Timothy James and Taylor Newville join the “old dogs”.
Saturday, July 21
1:00 pm: Roosevelt High School Jazz Band under the direction of Jason Margolis.
2:30 pm: Becky Kilgore & the Cowhands (presented by JoBar)- Nationally recognized interpreter of the Great American Songbook, Kilgore brings her playful approach to Western swing and country with a taste of gypsy jazz. James Mason on fiddle, Doc Stein on Hawaiian steel guitar, Pete Lampe on upright bass.
4pm: Jessika Smith Big Band – Composer, saxophonist and music educator, Smith was lead alto saxophonist in the award-winning Oregon Jazz Ensemble and has performed at the Montreux, Vienne, Umbria and La Spezia jazz festivals. Here she has hand-picked 17 outstanding musicians from around the Northwest to fuel her powerhouse big band.
5:30pm: Catarina New & Brazilian Touch – Swedish-born saxophonist and vocalist, Catarina New’s sound is a perfect match for Brazil’s sultry Bossa Nova beat. Performing with her are some of Portland’s top Latin musicians, including her husband-percussionist Al Martin and Cuban born electric bassist Al Criado.
7pm: Quadraphonnes – This all-female saxophone quartet delivers both the sweetest harmonies and the hottest dance music. Spirited playing and dynamic vocals break all the boundaries of the usual sax quartet.
8:30pm: Tahira Memory – Following in the footsteps of her Grammy-winning father, Thara Memory, vocalist and band leader Tahira Memory is one of the most popular vocalists to come out of Portland. She has been praised as having “a love for old Soul, an open ear for all music, and a respect for current Rhythm & Blues.”
Sunday, July 22
1pm: Enzo Irace – Young composer-arranger, jazz guitarist and student of Dan Balmer.
2:30 pm: Under the Lake: On the heels of their success at this year’s PDX Jazz Festival, Under The Lake will satisfy those fans of funk, neo-soul and jazz with their groove and attitude. The 6-member group has four internationally-distributed albums.
4pm: Randy Porter Trio with Nancy King – Portland’s Randy Porter and Nancy King were both nominated for Grammys again this year and are two of the country’s best improvisers. They will take us on a trip through the music of Cole Porter, sampling the material from the recent release, “Porter Plays Porter”
5:30pm: David Evans Quartet – Portland saxophonist and clarinetist David Evans has shared the bandstand with Pete Fountain, B.B. King and Mose Allison, among others, but here he will lead his own quartet, including Randy Porter (piano), Tim Gilson (bass) and Charlie Doggett (drums).
7pm: Remembering Ray- Something audiences won’t experience anywhere else, this tribute to Ray Charles, “the father of Soul” is led by soul singer, Sean Holmes, and backed by Ray Charles sideman, saxophonist Dan Wilensky and organist King Louis.
Background – Cathedral Park Jazz Festival
This year marks the 38 th consecutive year of the Cathedral Park Jazz Festival, which has been managed for the past five years by the Jazz Society of Oregon.
“This is a free, non-profit festival that provides the best jazz, blues, R&B and soul music from around the region to the greater Portland/Vancouver community,” said Rega. “In fact, the Cathedral Park Jazz Festival is both the longest-running free annual jazz festival west of the Mississippi – and Portland’s longest-running annual community event.”
About the Jazz Society of Oregon
The Jazz Society of Oregon is an all-volunteer non-profit organization 501(c)(3) whose mission is to promote the local jazz scene in Portland and the rest of Oregon. The Society supports jazz education, as well as fostering a greater appreciation of this thoroughly American art form. Information on the Cathedral Park Jazz Festival, including news on sponsorships, poster contest, volunteer opportunities and talent, can be found at Jazz Oregon.