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July 2, 2015
June 11, 2015
It is the time of year when many people are preparing for a restful vacation. Perhaps you are heading off to see the grandkids, or your whole family is taking a cruise. No matter what the activity, vacations are no reason to give up on healthy living. Here are few tips to help you stay healthy while on vacation.
Wash your hands often.
Take vitamin C or Echinacea. Echinacea is a popular herbal supplement used to boost immunity.
Dink lots of water. If you travel abroad, consider bottled water.
Take long walks everyday, use the stairs when possible, or use the hotel fitness room.
Limit fast food.
Pack healthy snacks likes dried fruit, healthy crackers, or nuts.
If you are driving, take breaks every few hours.
Find a famers market near you. Pick up some fresh fruits, vegetables, nuts, seeds, pretzels and popcorn that can serve as snacks or a breakfast alternative during your stay.
Always select a sit down restaurant. Order dressing on the side. Try local cuisine or fish.
Share your meals around the table. Serving sizes at standard restaurants can easily feed two people.
Turn off the IPad and TV news for a few days. Try reading a book.
Limit the use of alcohol.
Keep bed bugs away. Don’t store your clothes on the ground, use luggage racks; bed bugs do no climb.
According to travel experts these are the top vacation spoilers: overeating, dehydration, hangovers, overspending, and getting sunburned. Try to stick to your normal sleep schedule and, bring your own pillow with you if possible.
May 14, 2015
Healthcare reform has created many questions and concerns for individuals. When considering health insurance, you want the most coverage for you and your family. We can provide you with guidance and support in selecting a plan that is best suited for you. We have identified a number of factors for you to consider when selecting an individual plan.
The open enrollment lasts only three months; about half the time as last year. The enrollment period is November 15, 2104 to February 15, 2015.
You can enroll outside of this period if you qualify.
Individuals may also qualify for Special Enrollment Periods outside of Open Enrollment if they experience certain events. These include; getting married, having a baby, losing health insurance, moving, plus others.
There are plenty of health plans available directly from insurers, without going through a marketplace. In fact, some insurers are only selling policies outside the marketplace in some states.
We have access to many markets and special programs. This would include coverage under the healthcare reform.
Look at several plans- Each plan offers different levels of coverage.
Consider any dependents- If you have children under age 26 without health insurance coverage through an employer; the law permits them to be on your insurance.
Review many providers- You may want to make sure your primary care physician is in network.
Determine what you need vs. what you want- Determine what you need and focus on that.
Consider deductibles- Plan premiums can vary with high deductibles; this may save you considerable dollars.
Make sure your drugs are covered. You’ll want to make certain that the plan’s formulary, or list of covered medications, includes those you take regularly, especially if they are expensive.
Don't just look at premiums. Figure in other out-of-pocket costs you will face and compare these within each plan. Finally, you should expect your agent to continue advising and helping you even after you purchase a policy. It does not cost you anymore to use our services, so call us today at 808-961-3207.
April 19, 2015
There are two different kinds of risks and we will address each. The first risk is what we might call incidental use. The second risk is when a person drives his/her own car every day as part of their job, like a sales person. This person’s job description actually includes using their own car as part of the day to day job functions.
Generally in these situations you would be covered under your personal auto policy. If you find you are driving more than 30-40% of the time on company business, it would be best to contact our office for a review of your coverage. Examples of incidental use would be:
Going to a company event
Taking the mail to the post office
Picking up supplies at the store
Going to see a client - occasionally
Many personal auto policies have drive-for-business exclusions, requiring individuals to inform their agents that they drive for work and to acquire an endorsement. Without the endorsement, insurers may refuse to cover a claim. Here are some examples of work related situations where you might need to make adjustments to your insurance:
Outside sales professionals
Driving more than 50% of the time for the company
You receive an auto allowance
You take a tax deduction for work related driving
If you use your vehicle for delivery or landscaping you might need to consider a commercial policy, especially if the vehicle is used 100% for business use.
We are ready to help you with all your auto, home, RV, and motorcycle needs. Call us today. We can combine your insurance under one program and save you hundreds of dollars.
March 29, 2015