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Monthly Archives: November 2019

What does Thanksgiving mean to you?

What does Thanksgiving mean to you?

As Thanksgiving rapidly approaches, we tend to get caught up in the preparations of the meal, watching of parades and sporting events and spending time with family and friends. For some, the planning and strategizing for shopping the sales of Black Friday and Cyber Monday consume our thoughts. Have we forgotten the real reason we celebrate Thanksgiving?

The first Thanksgiving was celebrated as a way for the Pilgrims to give thanks for the opportunity to begin a life in the New World. To get to this day, many survived illness and the restriction of freedoms that we now take for granted.

Thanksgiving is the one day a year set aside to give thanks. So what are you thankful for? This is a question that for many can bring about a storm of emotion. This question means something different to everyone.

In recent years, I made a choice to include my closest friends at my family table because close friends are as important to me as family. I am thankful for the opportunity to make this possible.

Thanksgiving is a time of reflection for me. I think of those no longer with me to celebrate the holidays and the memories of years gone by. I am thankful for my husband whose love and support I could not live without, my children who teach me what the meaning of love is every day, my family that remind me of where I started and how far we have come, my friends who support me in good times and difficult times and for the opportunities that I have been afforded to make this life one that I am proud of and happy to share with the people I care about.

However you decide to celebrate this year, I urge you to take time to remember why it is that we celebrate this day and to make thankfulness a part of each day not just Thanksgiving. In this fast paced world that we live in, it is too easy to forget to take time to slow down and remember just how we got here.

The Management and Staff of C.H. Edwards, Inc. would like to extend our best wishes for a very Happy Thanksgiving filled with the opportunity to make memories with those you cherish the most!

Written by: Denise Visco

Tips for Surviving the Holidays Illness Free

Tips for Surviving the Holidays Illness Free

Wellness Wednesday

Tips for Surviving the Holidays Illness Free!

A cough, sniffle and flu germs have a way of getting around. Avoiding these risks, especially during the holidays become an even more challenging task.

Here are some simple tips for helping you keep healthy this holiday season!

-Be sure to wash your hands regularly. A good scrub for at least 20 seconds with soap and warm water.

-Always carry hand sanitizer. When soap and water aren’t available, a good hand sanitizer with at least 60% alcohol is a good alternative.

-Covering a cough or sneeze is always a good habit. Covering a cough or sneeze with a tissue or in the bend of your arm at the elbow are the best ways to do this. Teach your kids this trick as well.

-Keep your defenses up! Getting plenty of sleep, eating good foods and keeping up regular exercise are the best way to do this.

Make a wellness plan now, so you can enjoy a happy and healthy holiday season. For more information visit flu.gov.

by Denise Visco

 

National America Recycles Day

National America Recycles Day

National America Recycles Day

November 15th is National America Recycles Day. This day is dedicated to encouraging Americans to recycle and buy recycled products. The America Recycles movement was started in 1997 and since then has helped people everywhere learn the importance of recycling. In honor of today, here are some helpful tips to follow when going green and helping the environment.

Save energy to save money:

 – Install compact fluorescent light bulbs (CFLs) when your older incandescent bulbs burn out.

-Unplug appliances when you are not using them. Even if they are plugged in and not in use, energy is still being drawn to them.

Save water to save money:

-Take shorter showers to reduce water use. This will also lower your water and heating bills.

-Wash clothes in cold water whenever possible. 85% of the energy used to machine-wash clothes goes to heating your water.

Less Gas = more money:

-If you are traveling a short distance, consider walking or riding your bike instead of driving. Not only will this help the environment but it is better for your health also.

Recycle all plastic/glass bottles and papers:

-It may be a pain but be sure to recycle all of your used bottles and newspapers. Set up a separate recycle can outside by your garbage pails to help make sorting your trash easier.

Help make the earth a better place to live in today! Don’t forget to reduce, reuse and recycle.

Looking for a simple way to make meditation part of your daily routine?

Looking for a simple way to make meditation part of your daily routine?

Looking for a way to make meditation part of your daily routine?  Consider giving this simple tea meditation a try.  How often do you make yourself a cup of tea?  Have you ever stopped to think about the steps involved in preparing and enjoying that cup of tea?  When considering the role of mindfulness in your daily schedule, the answer can be as simple as making your cup of tea.  Stop and take the time to consider every step involved in this process, take time to smell the aroma and then concentrate on the way you feel as you take the first few sips.  Sound simple enough?  Give it a try.  Will tea meditations become part of your daily routine?

by Denise Visco

Diabetes and Life Insurance-Do you know the facts?

Diabetes and Life Insurance-Do you know the facts?

November is Diabetes Awareness Month.  Do you know the implications of this disease with regard to obtaining Life Insurance?

Diabetes does not prevent you from buying Life Insurance but it comes with a significant price increase.  For example, a 57-year-old man with Type 2 diabetes and an A1C below 6.7 can buy a 20 yr. term policy for approximately $155 per month with a $250,000 death benefit, while the same man with an A1C above 6.7 and below 7.5, the premium would be approximately $232 per month for the same coverage.  The premium amounts are estimates but clearly show the difference between how the amount you would pay for Life Insurance differs.  The reason for this is that a person with a serious health condition such as diabetes is put in an insurer’s substandard class due to a higher risk of death.  Sounds frightening?  It is!

Is there anything you can do to avoid the higher premium and the high-risk category?  You can wait until your A1C is controlled for a minimum of 6 months before applying for Life Insurance.  There are also some companies that will accept proof that you have maintained a healthy diet and exercise program as well as maintained your medication schedule for a period of time and will make you eligible for the lower premium policy.  This information varies from carrier to carrier.  The best way to safely obtain this information is to purchase Life Insurance through a certified Life Insurance Representative.

If you would like more information on purchasing Life Insurance with diabetes or any other special health condition, contact Steven Visco at C.H. Edwards, Inc./Visco Family Insurance at 516-249-5200 or visit our website at www.chedwards.net.

by Denise Visco