Mountain Views News, Pasadena Edition [Sierra Madre] Saturday, September 29, 2018

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BUSINESS NEWS & TRENDS

ARTS & ENTERTAINMENT

Mountain Views-News Saturday, September 29, 2018 

FAMILY MATTERS By Marc Garlett

Jeff’s Book Pics By Jeff Brown


QUESTIONS AND 
ANSWERS ABOUT 
PERSONAL LIABILITY 
UMBRELLA INSURANCE

 

It’s no secret that we live in a litigious society. 
And though our right to a fair trial is one of the 
hallmarks of American democracy, it has also led 
to a lawsuit-crazy culture. 

 In this atmosphere, you’re at near-constant risk 
for costly lawsuits, many times even when you’ve 
done nothing wrong. This is especially true if 
you have substantial wealth, but even those with 
relatively few assets can find themselves in court.

 If you’re sued, your traditional homeowner’s 
and/or auto insurance will likely offer you 
some liability coverage, but those policies only 
protect you up to certain limits before they max 
out. Given this, you should consider adding an 
extra layer of protection by investing in personal 
liability umbrella insurance.

What is umbrella insurance?

Umbrella insurance offers a secondary level 
of protection against lawsuits above and 
beyond what’s covered by your homeowners, 
auto, watercraft, and/or other personal 
insurance policies. For instance, if someone 
is injured in your home, they might sue 
you for their medical bills and lost wages. 
Once your homeowners insurance maxes out, 
the umbrella policy will help pay for the resulting 
damages and legal expenses if you lose the case. If 
you win, it can help cover your lawyer’s fees.


Who should purchase it?

 Umbrella insurance is particularly important 
for those with a high net worth. But seeing that 
everyone has the potential to be sued, it’s a good 
idea even for those without substantial assets.

 Indeed, if you’re sued and lose, the judgment 
against you may exceed the value of your current 
assets. In such a case, the court can allow 
the plaintiff to go after your future earnings, 
potentially garnishing your wages for years. To 
this end, umbrella insurance not only protects 
your current assets, but your future ones as well.

How much coverage do I need?

Most people will be adequately covered with 
a $1 million umbrella policy. If you earn more 
than $100,00 a year or have more than $1 million 
in assets, you may want to invest in additional 
coverage. 

A good rule of thumb is to buy an 
umbrella policy with coverage limits 
that are at least equal to your net worth.


How much does umbrella insurance cost?

Umbrella insurance is fairly inexpensive. You 
can buy a $1 million umbrella liability policy for 
between $150 and $300 per year. An additional 
million in coverage will run you about $100, and 
roughly $50 for every million beyond that. 
Umbrella policies are inexpensive because 
they only go into effect after your underlying 
homeowners or auto policy is exhausted. In light 
of this, most insurers require you to have at least 
$250,000 in liability on your auto policy and 
$300,000 on your homeowners before they’ll sell 
you a $1 million umbrella policy.

 How can I purchase umbrella insurance?
You can buy an umbrella policy from the same 
insurance company you use for your other 
policies. In fact, some companies require you to 
purchase all of your policies from them in order 
to obtain umbrella coverage.

 If your current insurance agent offers umbrella 
coverage, you may qualify for a discount for 
bundling all your policies. Of course, you can also 
purchase a stand-alone umbrella policy, so shop 
around for the best rates.

 Dedicated to empowering your family, building 
your wealth and defining your legacy,

A local attorney and father, Marc Garlett is on 
a mission to help parents protect what they love 
most. His office is located at 55 Auburn Avenue, 
Sierra Madre, CA 91024. Schedule an appointment 
to sit down and talk about ensuring a legacy of love 
and financial security for your family by calling 
626.355.4000 or visit www.GarlettLaw.com for 
more information.

Wonderstruck (Schneider Family 
Book Award - Middle School 
Winner) by Brian Selznick 

In this groundbreaking tour de force, 
Caldecott Medalist and bookmaking 
pioneer Brian Selznick sails into 
uncharted territory and takes readers on 
an awe-inspiring journey. Ben and Rose 
secretly wish their lives were different. 
Ben longs for the father he has never 
known. Rose dreams of a mysterious 
actress whose life she chronicles in 
a scrapbook. When Ben discovers a 
puzzling clue in his mother’s room and 
Rose reads an enticing headline in the 
newspaper, both children set out alone 
on desperate quests to find what they are 
missing. Set fifty years apart, these two 
independent stories--Ben’s told in words, 
Rose’s in pictures--weave back and forth 
with mesmerizing symmetry. How 
they unfold and ultimately intertwine 
will surprise you, challenge you, and 
leave you breathless with wonder. Rich, 
complex, affecting, and beautiful--with 
over 460 pages of original artwork--
Wonderstruck is a stunning achievement 
from a gifted artist and visionary. 

The Black Echo (The First Harry 
Bosch Novel) by Michael 
Connelly 

“Michael Connelly is the master of the 
universe in which he lives, and that is the 
sphere of crime thrillers.” - Huffington Post .For 
maverick LAPD homicide detective Harry Bosch, 
the body in the drainpipe at Mulholland Dam is 
more than another anonymous statistic. This one 
is personal...because the murdered man was a 
fellow Vietnam “tunnel rat” who had fought side 
by side with him in a hellish underground war. 
Now Bosch is about to relive the horror of Nam. 
From a dangerous maze of blind alleys to a daring 
criminal heist beneath the city, his survival 
instincts will once again be tested to their limit. 
Pitted against enemies inside his own 
department and forced to make the 
agonizing choice between justice and 
vengeance, Bosch goes on the hunt for 
a killer whose true face will shock him. 

Waking the Dark: A High Fantasy 
Sword and Sorcery Adventure 
(The Darkest Day Book 1) by 
K.N. Lee (Author), Sylvia Frost 
(Illustrator) 

From the New York Times bestselling 
author of Half-Blood Dragon comes an 
epic fantasy that critics are calling The 
Hunger Games meets Game of Thrones. 
A Teen & Young Adult Medieval 
Historical Fiction. We lost the war. But 
not our souls. I was born a peasant in the 
slums of Verity, no one to anyone who 
mattered. After centuries at war with 
the mystical sun elves, my people have 
been enslaved by the enemy and there 
was only one way out...but it cost far too 
much. I’m almost old enough for the 
Blood Lottery now and, as it approaches, 
something stirs in me. They want my 
body. They want my soul. They want 
everything that makes me who I am...but 
they don’t know everything about me. 
An ancient magic begins to swirl inside 
of me, turning me into the person I was 
always meant to be, but truth doesn’t 
come with sacrifice and hope can’t exist 
without hate. They’re after me now, and 
they’re not playing around. I have one shot and, 
with the help of a rogue rebel leader, an elfish 
royal, and a mysterious wisp from my darkest 
nightmares, I might save the world. Or, destroy 
it. Enter a world of dragons, sun and moon elves, 
intriguing magic, and compelling characters, and 
embark on an epic fantasy adventure with strong 
world building, heart-pounding action, in a 
coming-of-age dark tale perfect for fans of Game 
of Thrones, Brandon Sanderson’s Mist born, and 
Patrick Roth fuss.


HEALTHY LIFESTYLES


YOGIC WISDOM - FALL INTO BALANCE


Happy F A L L Equinox. 
Can you feel the change-
over happening? Though 
it’s still a bit warm and 
dry, the cool weather and 
winds will soon come 
in to alleviate the heat 
aggravation of Summer. 
In Ayurveda, the science 
of life and the path of 
living in alignment with nature says this is VATA 
season! Vata is a combination of air + ether which 
means cold, dry, rough, light and mobile qualities 
are present. We are called to honor this time 
of year to maintain an even keel, maintaining 
balance of the physical, mental and emotional 
planes. Using the wisdom of Ayurveda means 
that we bring it into our lives and live it. 

 First, let’s look at Diet. Remember Food is 
Medicine. We take in food as a healing ritual 
and know that it’s going to create our body and 
shape our mind literally layer by layer, tissue by 
tissue, channel by channel. Warm, moist foods 
are favored. Eat those cooked root vegetables and 
make that Butternut squash soup! Make sure to 
include good fats such as ghee, cold pressed oils, 
and nuts. Don’t go overboard, but food that is easier 
to digest is going to combat the dry conditions 
that cause gas & constipation. Use spices such as 
cumin, ginger, cardamom, cinnamon, cloves, salt, 
and some black pepper. Lastly and always, make 
the food with love and don’t eat in a rush. Try 
taking deep belly breaths before eating to activate 
that rest-and-digest response. 

 Second, let’s look at Lifestyle. One of the biggest 
ways to maintain balance is through lifestyle and 
self-care. To counter the dry and cool conditions, 
think warm and moist and STILLNESS! Here are 
a few recommendations: 

 1. Moisturize the body through Self- Abhyanga. 
This is self-massage with warm oil —ideally, 
performed daily. This not only keeps the skin 
beautiful and strong, but it serves as an act of 
self-love boosting self-esteem and immunity. 
Need a specialized oil just right for you? Email 
me keely@keelytotten.com. I have some great 
recommendations! 

 2. Practice relaxation and stillness. Stopping 
the rate at which you move slows the mind, 
emotions and potential reactions. Want the anti-
aging secret? Relax, meditate and find stillness IN 
ADDITION to being active. 

 3. SLEEP! As always, make sure to get your 
zzz’s. The body and mind need this crucial time to 
reset, heal and revitalize. 

 All of these or just some of these are sure to 
bring you ease and steadiness as the winds blow in 
Fall. Reach out for more tips: keely@keelytotten.
com. 

Namaste, 

Keely Totten 

Yoga & Meditation Teacher, 

Fan of Holistic Living 

FREE EVENT! FOOLISH MORTALS AT 

SIERRA MADRE PLAYHOUSE ON OCTOBER 24

Just in time for Halloween, AKT Academy at 
Sierra Madre Playhouse will present Foolish 
Mortals.

 AKT Academy is a company of young artists in 
residence under the direction of Alison Kalmus 
at Sierra Madre Playhouse. Foolish Mortals (the 
name comes from Shakespeare) are the most 
advanced performers of AKT Academy. The 
Foolish Mortals are Julian Moser, Alison Wang, 
Kevin Ying, Eliza Cevallos, Aidan O’Connor, 
Jude Gomez, Selina Ho, Myles Hutchinson and 
Momo Inouye-Wu.

 The Foolish Mortals will perform two 
works: Washington Irving’s The Legend of Sleepy 
Hollow and Edgar Allen Poe’s The Raven, both 
pieces appropriately atmospheric and spooky for 
the season. They’ll be presented in the style of old-
time radio drama, with live sound effects.

 The Foolish Mortals will be joined in this 
performance by special guest Sierra Madre 
Estimated running time: One hour.

 Wednesday, October 24, 2018 at Seven P.M. 
At Sierra Madre Playhouse, 87 W. Sierra Madre 
Blvd., Sierra Madre, CA 91024. This is just east of 
Pasadena. There is ample free parking behind the 
Playhouse. Admission is free. Reservations are not 
necessary. Website: www.sierramadreplayhouse.
org Phone: (626) 355-4318.


THE MISSING PAGE

Real Life Tips from LIfe's Instruction Manual


Lori A. Harris

MOVING FORWARD WITH A DREAM 
EVEN WHEN YOU'RE SCARED

Having a dream and taking steps to fulfill it can feel 
exhilarating, exciting, and at the same time cause debilitating 
fear. It's strange when we endeavor to do something new 
there's a part of us that wants to move forward and another 
part of us that feels unsafe and scared. 

 What are the stories that you tell yourself about your past 
goals? Are you kind to yourself and tell yourself empowering 
stories or are you harsh and unkind? How you handle 
mistakes and characterize your past can have a tremendous 
impact upon your ability to move forward. One thing for 
sure is that shame won't help you. It's important to develop 
the ability to bounce back from failure. 

 According to Dr. Brene Brown, “Shame is the intensely 
painful feeling or experience of believing we are flawed and 
therefore unworthy of acceptance and belonging. Women 
often experience shame when they are entangled in a web 
of layered, conflicting and competing social-community 
expectations. Shame creates feelings of fear, blame and 
disconnect.” Shame is paralyzing and keeps us from making 
progress. Look at the stories you tell yourself about the past. 
Making a mistake is nothing to 
be ashamed of, in fact, you should 
always be proud of the effort and 
be prepared to learn from the 
experience. Look for the clues 
that could be the keys to success in 
the future. Rarely does anyone do 
something perfectly the very first 
time. Congratulate yourself for 
the effort. Next, evaluate the effort and look for places to 
adjust. Consider enlisting assistance, if not for the project 
itself, at least to have someone in your corner so that you 
don't feel alone in your effort. Find someone that will 
be encouraging, positive and empathetic. While shame 
isolates and separates. Empathy builds connection, courage, 
and compassion.

 Don't be the lone ranger in achieving your goals. Build 
a support system, remind yourself of past success and hold 
your vision of your goal. These are just some small steps you 
can take that will yield big results.

 
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Mountain Views News 80 W Sierra Madre Blvd. No. 327 Sierra Madre, Ca. 91024 Office: 626.355.2737 Fax: 626.609.3285 Email: editor@mtnviewsnews.com Website: www.mtnviewsnews.com