Crock Pot Beef Stew
Serve up á hot meál
without the fuss for your fámily tonight: This crock pot beef stew is the
perfect eásy comfort food dinner.
Course Máin Course
Cuisine Ámericán
INGREDIENTS
FOR THE MEÁT
·
2 táblespoons oil
·
2 táblespoons flour
·
1.5 pounds beef stewing meát in chunks
FOR THE GRÁVY
·
2 lárge yellow onions cut into wedges
·
2 cloves gárlic sliced
·
2 teáspoons Itálián seásoning
·
4 táblespoons tomáto páste
·
1/3 cup red wine OR use more stock
·
2 cups beef stock
·
2 táblespoons Worcestershire sáuce
·
1 táblespoon máple syrup
·
1-2 teá spoons sált or
less, depending on whá t kind
of stock you're using
·
Bláck pepper to táste
FOR THE VEGETÁBLES
·
3 lárge wáxy potátoes peeled ánd cut into chunks
·
4 lárge cárrots peeled, ends trimmed ánd cut into chunks
·
4 lárge celery sticks trimmed á nd
thickly sliced
·
1/2 pound brown mushrooms cleáned ánd quártered
·
4 sprigs fresh thyme
·
2 báy leáves
·
1/2 cup frozen peás no need to defrost
INSTRUCTIONS
1. Brown the meát: Heát the oil in á
lárge á nd deep skillet over medium-high
heá t. Ádd the beef cubes ánd stir.
Sprinkle the flour over the meát ánd stir well. Cook until the beef is browned
on áll sides (do not stir too much, or the beef will not brown properly).
Remove to á 5-6 quárt slow cooker.
2. Stá rt the grávy: Put the skillet
báck over medium high heát. If needed, ádd
á little more oil. Cook the onions until stárting to brown. Stir in the gárlic,
Itálián seásoning ánd tomáto páste ánd
cook, stirring constántly, until the herbs áre frágránt, ábout 1 minute. Pour
the red wine into the pán, scártching the browned bits off the bottom. Cook
until thickened, ábout 1 minute. Stir in the stock, Worcestershire sáuce, máple syrup, sált ánd pepper. Bring to á
boil (this will help the stew stárt cooking fáster once it is in the crock),
then switch off the heát.
3. Trá nsfer to the slow cooker: On top of the meát, ...............
4. .................
RECIPE NOTES
Pleáse consult the post for ádditionál help to thicken the stew ánd more
cooking tips.
FULL RECIPE : savorynothings.com
Auto insurers were already bracing for another bad year when the downpour started in Texas, producing potentially hundreds of thousands of new claims.
“We do know that approximately 100,000 claims have come in” as of Thursday, said Matt Stillwell, manager of governmental and regulatory communications at the Insurance Council of Texas, a trade association. He said the number was expected to climb as high as 500,000.
“It is looking to be a huge impact on the auto insurance market,” he said.
While homeowners’ insurance policies almost always exclude flood damage, comprehensive auto policies do cover flooding. The typical household in Houston has two cars, and Mayor Sylvester Turner urged residents to “hunker down” as Hurricane Harvey made landfall, hoping to avoid a replay of the tie-ups and crashes that killed about 100 people fleeing Hurricane Rita in 2005.
That means few people moved their cars out of harm’s way before the flooding started. Texas drivers are not required to have comprehensive auto insurance — the type that covers flood and other types of damage. People holding only the legally required insurance — liability coverage for damage done to other people’s cars — will not have valid claims, Mr. Stillwell said.
Those who have comprehensive insurance should get a payment based on replacement value minus depreciation, if their car is a total loss.
For insurers, the losses will affect some more than others. The big, household-name auto insurers “have sufficient geographic and product diversification to absorb the losses,” S&P Global Market Intelligence said in a report on the impact of the storm and flooding on various parts of the insurance industry.
But “some of the regional and local players could face significant hits to their earnings, and possibly their capital,” the ratings firm added.
As a possible example, it cited Hochheim Prairie Insurance, a mutual insurer that does business solely in Texas, offering auto insurance and other personal lines. Mutual insurers are owned by their policyholders and do not issue stock in the public markets, so they cannot raise fresh capital by selling new shares.
Pam Lahodney, a vice president of marketing and underwriting at Hochheim, said in an email that it was too early for the company to assess the financial effects of the storm on its business. “At this time, our focus is to provide assistance to those members impacted by Hurricane Harvey,” she said.
State Farm Mutual Automobile Insurance, Allstate Insurance, Farmers Insurance Exchange, National Indemnity Company (an affiliate of Geico), the Progressive Group, and Metropolitan Property and Casualty Insurance (a unit of MetLife) are among the big companies that write a large portion of their auto insurance business in Texas.
Representatives of Allstate, Progressive and MetLife said they were busy dealing with policyholders in the flooded region and it was too early to estimate the magnitude of the disaster.
Many auto insurers have been troubled in recent years by underwriting losses caused by factors unrelated to floods: texting and otherwise distracted drivers who cause accidents; increasingly complicated car components that cost more to repair; more miles driven, thanks to lower gasoline prices; and increasingly severe crashes that are raising the cost of treating the injured.
A few large insurers, including Geico, Allstate and Progressive, have managed to avoid losses on underwriting in recent years. But in March, Fitch Ratings said auto insurers in the aggregate were reporting their weakest performance in 15 years.
State Farm, the nation’s largest property and casualty insurer, is also the leading example of the negative underwriting trend. It reported in February that its 2016 underwriting losses on auto insurance had increased to $7 billion, from $4.4 billion in 2015. Its other lines of business were generally profitable.
State Farm is a mutual insurer, and therefore does not have any shares whose price would swing in response to the news. Nor does it have shareholders to pressure it to turn around its financial performance quickly. Like the other insurers, State Farm seeks to earn investment income that would offset its underwriting losses.
Fitch’s analyst, James B. Auden, said the auto insurers were already increasing their rates last year in response to their rising claim costs. He cited a 7.6 percent annual increase as of February, significantly higher than the overall rate of inflation. But state regulators often limit rate increases in a given year, so more increases are likely.
insurance quote ireland,insurance quotes florida,insurance quotes texas,insurance rates by car,insurance quotes online,insurance quote comparison,insurance rates,insurance comparison,insurance 24,insurance,insurance quotes cheap,insurance endorsement,insurance for new drivers,insurance companies,insurance leads,insurance yuma az,insurance estimator,insurance groups,insurance premium,insurance companies near me,insurance times,insurance land,insurance check,insurance for a month,insurance 360,insurance yakima,insurance lapse,insurance king,insurance history,insurance value chain,insurance 321,insurance price check,insurance lawyer,insurance 2 wheeler,insurance logo,insurance agent,insurance services office,insurance line,insurance 6 months,insurance zip code,insurance management,insurance sales,insurance adjuster,insurance in french,insurance calculator,insurance database,insurance one,insurance broker,insurance hire car,insurance usa,insurance post,insurance card,insurance risk,insurance deductible,insurance group 1 cars,insurance meaning,insurance types,insurance declaration page,insurance excess,insurance quote geico,insurance geico,insurance health card,insurance in germany,insurance on the spot,insurance zone,insurance 21,insurance news,insurance nation,insurance act,insurance underwriting process,insurance 2 go,insurance training,insurance services,insurance solutions,insurance marketplace,insurance insider,insurance nz,insurance number,insurance quote ontario,insurance noodle,insurance network,insurance specialist,insurance 50/50,insurance industry,insurance market,insurance nexus,insurance reimbursement,insurance 365,insurance journal,insurance 80/20,insurance zenith,insurance two wheeler,insurance 7702,insurance works,insurance 2018,insurance rider,insurance zipcar,insurance license,insurance sales jobs,insurance supermarket,insurance emporium,insurance as a service,insurance auto auction,insurance university,insurance 220 license,insurance verification,insurancewith,insurance product information document,insurance jobs manchester,insurance europe,insurance exam,insurance jobs near me,insurance jobs,insurance test,insurance winnipeg,insurance 99223,insurance 1st central,insurance 4 car hire review,insurance adjuster jobs,insurance underwriter salary,insurance 101,insurance hound,insurance jobs london,insurance in blackjack,insurance 4 car hire,assurance wireless,insurance 80/20 rule,insurance companies in japan,insurance ombudsman,insurance jobs in dubai,insurance 02,insurance 0800,insurance 10e,insurance 11e,insurance 125cc,insurance 3rd party bike,insurance 4 my caravan,insurance 4 sport,insurance 5,insurance 5 years,insurance 5000,insurance 6 points,insurance 7,insurance 77015,insurance 79936,insurance 7e,insurance 8e,insurance 8th street,insurance 9,insurance 90 day waiting period,insurance 94,insurance 9e,insurance act 2015,insurance age,insurance development forum,insurance factory,insurance for foreigners in japan,insurance green card,insurance hero,insurance history check,insurance hunter,insurance in france,insurance in japanese,insurance initiatives ltd,insurance institute of ireland,insurance ireland,insurance jobs ipswich,insurance jobs leeds,insurance kerala,insurance kereta,insurance malaysia,insurance meaning in urdu,insurance news net,insurance premium tax vat,insurance protector,insurance underwriters uk,insurance united against dementia,insurance validity,insurance x,insurance xchange,insurance xpress,insurance yaletown
Mr. Auden said the losses in Texas could drive up rates in the state, but were unlikely to affect insurance premiums elsewhere, because rate-setting is handled state by state.
Kai Pan, an insurance equity analyst at Morgan Stanley, noted that insurance stocks generally decline immediately after a natural disaster, reflecting the possibility of big losses, then bounce back three to six months later “as losses become more defined and rates respond positively.”
0 Comments