Having trouble staying happy this holiday season?  Try some happiness helpers.

Having trouble staying happy this holiday season? Try some happiness helpers.

Wellness Wednesday

Having some trouble staying happy this holiday season? Try some happiness helpers.

Are you having a tough time being truly happy this holiday season? You’re not alone. The holidays are often a difficult time for many. Try some of these research-based happiness helpers.

1. Set an intention to enjoy the holidays. When making a conscious decision to be open to happiness, you are more likely to be more aware of uplifting moments.

2. Take a break to regain focus. If you are feeling completely overwhelmed by your to-do list, stop and take a moment to do something you enjoy. Have a cup of tea, take a bath, go for a walk, try some yoga, talk to a friend or watch a movie. Leave the holiday mode for a bit and just relax.

3. Practice gratitude and generosity. Don’t take good fortune for granted. Reflect on your good blessings and let your loved ones know you appreciate them. Everyone feels the joy of a loving connection. Neuroscience research suggests that performing an act of generosity lights up the same pleasure centers in the brain as food. When an impulse to be generous arises, act on it and notice the feeling.

4. Lastly, play and have fun. The holidays give us a reason to let ourselves act and feel like we did when we were kids. Take time to be around kids. Take delight in their enthusiasm. Singing or dancing is a great way to get out of our head and open our hearts to really experience joy.

Happiness is contagious! If you are happy, family and friends around you are more likely to experience your happiness and be happy too.

This Wellness article offers suggestions and does not replace the advice of a trained professional. If you feel prolonged sadness or the inability to find happiness this holiday season, please contact a healthcare professional.

Wishing you a happy and healthy holiday season.

For more information on Home, Auto, Business or Life Insurance, contact C.H. Edwards, Inc. at www.chedwards.net.

by Denise Visco

#WellnessWednesday #SpiritRockMeditationCenter#NaturalAwakeningsMagazine #AwakeningJoy #generosity #gratitude#Happiness #LongIslandInsurance #CHEdwardsInsurance #Farmingdale#WadingRiver #DeniseVisco #StevenVisco

Decorating Safely for the Holidays

Decorating Safely for the Holidays

Don’t let fire or accident spoil your holiday season.  Use these tips to keep your family safe while celebrating all winter long!

The winter holidays are a time for fun, family, and festivities.  That often means more cooking, decorating, entertaining and shortcuts.  Christmas trees, candles, and holiday lights are responsible for hundreds of fires and accidents each year.  Before you deck your halls, make sure you’re following these safety tips.

-Inspect your holiday decorations carefully to make sure there are no loose or frayed wires.  Choose those made with flame-resistant, flame-retardant or non-combustible materials.

-Keep candles away from decorations and other combustible materials, and do not use candles to decorate your Christmas tree.

-Purchase only lights and electrical decorations bearing the name of an independent testing lab, and follow the manufacturer’s instructions for installation and maintenance

-Do not overload extension cords.

-Always unplug lights before replacing light bulbs or fuses.

-Don’t use clips or nails that puncture your light cords wire insulation.

-Keep children and pets away from light strings and electrical decorations

-Turn off all lights and decorations when you head out for the day or go to bed at night.

-Test your smoke alarms to make sure they are working properly as a backup

-If you have a real tree, keep it moist by watering frequently.

-Candle fires in the home are reported to a U.S. Fire Department every 34 minutes during the holidays.  If you are decorating with candles, make sure they are far away from any item that can burn such as furniture, bedding, curtains or other decorations.

Follow these safety tips to ensure Happy Holidays for all!

These tips are designed as general information that may apply to many situations.  Please take them and apply them to your specific information.

For more information on Home, Auto, Business, Life or Flood Insurance, contact the specialists at C.H. Edwards, Inc.  We are happy to provide you with the information that will best protect your family.  www.chedwards.net

 

 

 

 

 

Maintaining Your New Year Resolutions

Maintaining Your New Year Resolutions

New Year’s Resolutions can be hard to keep when your list of goals is as long as your shopping list. Add on some stress and post-holiday slump and you’re feeling hopeless!

Don’t panic! Here are some tips to help keep your resolutions in check and on track.

Start small. Don’t jump into an unrealistic resolution. For example, instead of promising yourself to go to the gym five times a week, make a promise of three days. This will help you feel more accomplished and help your strive towards the five days.

Change one behavior at a time. Don’t get overwhelmed and think that you have to reassess everything in your life. Instead, focus on changing one thing at a time.

Talk about it. Share your goals and expectations with your family and friends. Having a support system will help you in achieving your goals.

Don’t beat yourself up. If you promised yourself to eat healthy this year and splurge on a bowl of ice cream. Don’t get down about it. We are all human and we are far from perfect. One bowl of ice cream or even a cookie will not permanently destroy your resolution. Everyone has up and downs. Simply recover from your mistakes and get back on track.

What are your New Year resolutions for 2018?

 

How to Make Existing Windows More Energy Efficient

How to Make Existing Windows More Energy Efficient

The colder months are officially among us! Drafty windows in your home make it less comfortable for you and your family by allowing cold air to enter your home during these fall and winter months. Not only is this a cause for discomfort but it also has a negative impact on the environment.

Leaky windows require heating systems to work harder, therefore increasing energy consumption. You can help keep your home warm while being more energy efficient with a few of these helpful tips:

Caulk or add weather stripping. Small cracks and gaps around windows, which are most often found around windows in older buildings, might not seem like a big deal but can be the biggest reason as to why you have a draft! Fixing these small cracks will go a long way when it comes to keeping your home warm and saving energy.

Install window films. Plastic window films are another option for homeowners looking to keep their home warm and save energy. Heat shrink film can be cut to fit each individual leaky window in a home and help save you tons on energy costs.

Once you have sealed up the cracks and gaps in your window, be sure to open your curtains during the day time. The natural light shining in will warm your home up.

Drafty and leaky windows are bad for homeowners! Not only does it cause you to be uncomfortable but it can drive up your energy bill. Thankfully, there are options!

For information on homeowners insurance or how to save on your homeowners’ premium, give us a call at 516-249-5200.

 

Transportation Network Companies

Transportation Network Companies

TNC/Ridesharing has become a popular trend over the past year. However, many consumers have unanswered questions when it comes to ridesharing and insurance.

What is a “TNC”?
TNC stands for “Transportation Network Company”. TNC’s are the companies that offer a ridesharing service. Companies such as Uber and Lyft are examples of popular “TNCs”.

What is “Ridesharing”?
Ridesharing is the use of a personal, non-commercial, privately owned vehicle to provide pre-arranged transportation to others. Passengers request a ride though the Transportation Networks app.

What is a “TNC Driver”?
A TNC Driver is someone who uses their personal, non-commercial vehicle to provide rides for others.

Who must provide insurance for the TNC Driver?
New York State law requires that a TNC provide primary insurance coverage for their drivers through a group policy. TNC drivers are able to obtain their own insurance but must meet the same insurance requirements as the TNC is required to provide.

What are the required minimum limits of insurance?
Bodily Injury Liability: $75,000/$150,000
Property Damage: $25,000
Uninsured Motorist: $25,000/$50,000
Personal Injury Protection $50,000

Will the TNC Driver’s personal automobile policy provide physical damage coverage?
No! The TNC driver’s personal automobile policy will only provide physical damage coverage if an insurer provides the coverage for a TNC drivers vehicle through an endorsement.

Is there an age and licensing requirements to become a TNC driver?
Yes, New York State law requires that TNC drivers must be at least 19 years old and hold a valid and current New York State driver’s license issued by the New York State DMV.

Are there any requirements to become a TNC driver?
Yes, the New York State DMV requires that the TNC conduct a criminal history background check along with a review of the applicant’s driving record. TNC’s must also verify that the applicants vehicles are properly registered and inspected.

If you are a TNC driver or are thinking of becoming one and have questions regarding your insurance, please give us a call at (516) 249-5200 and one of our automobile specialist will be happy to assist you.

 

#NewYorkCentralMutual

 

October is National Fire Prevention Month – Fire Prevention and Safety Tips

October is National Fire Prevention Month – Fire Prevention and Safety Tips

October is National Fire Prevention month. According to the NFPA U.S. fire departments responded to an estimated average of 358,300 home structure fires per year during 2010-2014, which represents three-quarters of all structure fires. $6.7 billion in direct damage, or 69% of total direct damage in structure fires.

A tragedy can strike at any time. Preparing cannot only save your life but it can help save others.

  • Here are some tips that can help you when it comes to fires:
    Be sure all of your smoke detectors and carbon monoxide detectors are working properly.
  • Don’t use candles. Wax with wicks are the most common fire starters among house fires.
  • Always have a fire extinguisher in an easy to reach place in the event of an emergency.
  • Make sure there is a smoke detector outside of each bedroom.
  • Avoid smoking inside your home. If you do smoke inside your home, use a metal canister with sand or water to put out cigarette butts.
  • Don’t overload electrical outlets or surge bars.
  • Prepare an evacuation plan with your family in the event of a fire. Be sure to have designated escape spots and a backup escape spots in case other spot are blocked from the fire.
  • Protecting yourself and your loved ones from fire is important. Preparing now and knowing the basics can help save a life.

If you have questions regarding possible fire damages to your home, please call C.H. Edwards, Inc. today at (516) 249-5200 or visit our website at www.chedwards.net.