Author Archives: Steven Visco

Refuel your body with some Vitamin D

Refuel your body with some Vitamin D

Wellness Wednesday

Are you feeling a little run down? Spending more time indoors and less outside soaking up the sun may leave you vitamin D deficient.

Have a delicious lunch packed with Vitamin D!  Vitamin D fuels your body’s T cells, which fight bacteria and viruses.  Research shows that nearly half of all people have a D vitamin deficiency by the end of the Winter.

By eating foods high in Vitamin D you will get closer to the 600 IU daily allowance per day.  Fatty fish is a good option.  3 oz. of salmon has 479 IU and 3 oz. of canned tuna has 154 IU.  Other good sources are milk (1 cup=115-125IU), eggs (1 large with yolk=41IU)and D-fortified orange juice (1 cup=137IU).

Give it a try and see how good you will feel.  Soon enough we will get that extra dose from being outside in the sunshine!

by Denise Visco

The History and Celebration of St. Patrick’s Day

The History and Celebration of St. Patrick’s Day

Have you ever wondered who the real St. Patrick was?  Why do we celebrate with parades and big celebrations?  Each year millions of people around the world celebrate this patron saint of Ireland without any knowledge if his life or why he is so important to the Emerald Isle.

St. Patrick was not Irish.  He was born in Wales, a Roman territory at the time in 385 AD and was raised in a wealthy family.  His given name was Maewyn, though some say it was Succat, a Celtic word meaning “warlike”.  His father was a Roman official so Maewyn was also known as Patricus.  When he was 16 he was captured by a clan of Irish marauders and taken to Ireland as a slave.  Once in Ireland, he was sent to County Antrim to be a shepherd.  During this time, he worked outdoors away from people.  Lonely and afraid he turned to religion for solace becoming a devout Christian.

After six years as a slave, Patrick escaped and made his way back to his family.  He began studying in a monastery and there he heard the voice of God telling him to return to Ireland to convert the Pagans to Christianity.  This he did as Bishop to Ireland in 432.  His first church was in Saul in Northern Ireland. Patrick brought many monasteries to Ireland and was thought to have single-handedly responsible for bringing Christianity to Ireland.  Patrick explained that the shamrock with its stalk and three separate leaves represented the father, son and holy ghost, the three aspects of the Christian God.

March 17, 481 is considered to be the day St. Patrick died.  St. Patrick’s Day celebrations began in Ireland as a holy day.  The first parade was held in Boston in 1737 and in NYC in 1762 as a response to the prejudice against the Irish-Catholic people.  In an effort to promote cultural pride and acceptance, the Irish community banded together.

Today the Irish and the Irish-for-a-day around the world celebrate St. Patrick’s Day.  From wearing green, green beer, green bagels, and the traditional corned beef and cabbage dinner, St. Patrick’s Day has come far from the recognition of the patron saint of the Emerald Isle.

No matter how you choose to celebrate, have a Happy St. Patrick’s Day and make safety a priority for your celebration.

What is a Notary Public?

What is a Notary Public?

A Notary Public (sometimes called a Notary or a Public Notary) is an individual authorized by the state or local government to officially witness signatures on legal documents, collect sworn statements and administer oaths.  A notary public uses an embossing tool to verify his or her presence at the time the documents were signed.  Most states issue a unique identifying number to each notary public in order to prevent fraudulent use of the embosser.

An attorney or other public figures can be granted notary public status, but no legal training is required to apply for the position.  Certain legal documents are required to be “notarized” in order to be recognized in court, so a notary public spends most of his or her time observing routine signatures.  Due to the fact that identities are so critical, a notary public may also spend some time verifying the names of the parties involved in the signing.  Generally, all parties provide some form of official identification (Driver’s license, birth certificate, passport, etc.) in order for the notary public to feel comfortable about certifying the signatures.

A qualified notary public should have a high level of integrity and respect for the legal process.  Several organizations offer courses on the legal and social aspects of becoming a notary public.  Notaries can not discriminate on the basis of race, sex, creed or religion.

C.H. Edwards, Inc. has a licensed notary on staff and we offer this service to our clients Free of Charge.  This is just an added benefit of choosing an Independent Insurance Agent.

Do not hesitate to come in and take advantage of the opportunity should the need arise.

Antique Jewelry and Fine Jewelry as gifts.  Did you remember Insurance?

Antique Jewelry and Fine Jewelry as gifts. Did you remember Insurance?

Unfortunately, many people who have antique and fine jewelry do not insure it properly and a large segment of this uninsured jewelry is given as gifts. It can often be overlooked insurance until the item is lost or stolen. Here are four simple steps to help you make sure your fine jewelry, antique jewelry and jewelry gifts are protected.

  1. Gather together all the valuables you would like insured. Don’t forget any fine jewelry that household family members have and any heirloom and antique jewelry. Once gathered, take a photo of each piece and it is also a good idea to get an appraisal on any piece that would be difficult to value in a picture alone. Make a list of these pieces and the photos and place them in a safe deposit box along with any jewelry that you won’t’ be wearing on a regular basis.
  2. Review your current insurance for the coverage you already have. You may have some jewelry coverage currently on your homeowner’s or Renters insurance. Check with your insurance agent and ask how much coverage you have for your fine jewelry. Have specifics from your list on what types of jewelry you have and the approximate value.
  3. Get Quotes on Jewelry Insurance. If you need to purchase additional insurance above and beyond what your homeowners or renters policy limits, get a quote from your current agent first. They may be able to give you the best deal since you are an existing customer with other policies in force. If you decide to comparison quote, keep in mind the deductible and don’t forget to ask for discounts if the jewelry is being stored in a safe deposit box.
  4. After you have a good Insurance Policy, Don’t forget about storage and reassessments. Always keep your jewelry in a safe, preferably locked place, such as a safe deposit box. As mentioned above, this may make your insurance lower and of course will reduce the risk of your jewelry being lost, damaged or stolen. Also, remember to get your jewelry coverage reassessed when you get new jewelry or on a regular annual basis, especially on pieces that you feel may go up in value.

By Steven Visco

The benefits of Lemon Water

The benefits of Lemon Water

Wellness Wednesday
 
The benefits of Lemon Water
 
Water with lemon is a terribly underrated beverage. There are so many health benefits to this simple beverage that are so often overlooked or misunderstood. Let’s take a look at the benefits of lemon water and show you why a beautiful bowl of lemons on your counter can be just what you need this Winter.
 
Drinking warm water with lemon on an empty stomach can help you manage your weight. A study by the Journal of Biochemistry and Nutrition found that lemon polyphenols (found in the peel and the juice) suppressed weight gain and fat increase from a high-fat diet. This doesn’t directly help you lose weight but this helps you not to gain weight. When paired with a healthy diet and an exercise routine, drinking lemon water may help support your weight loss goals. Why not try and replace a cup of coffee with some warm lemon water this morning?
 
Lemons can help with some of the symptoms of the common cold. There is no cure for the common cold but lemon has natural properties that you can benefit from when you drink water infused with it. Lemon helps to break up congestion and can help rid you of mucus faster. Lemon can also soothe a sore throat when paired with honey. It also gives you a healthy dose of Vitamin C known to help reduce the effects and length of the common cold. Give this a try to help in your fight to get ahead of this cold season.
 
Adding lemon to your water will help to boost your water intake. So many of us don’t like to drink water even though we know how important it is. We need water to survive and we need a lot of it! On average 60% of the body is made of water so even if you don’t like the taste, you still need to drink it. Lemon can be just the boost you need. It is very low in calories and high in a lot of other good things. The lemon may mask the flavor you find intolerable.
 
Lemon on its own packs quite the health benefit. Vitamin C in combination with the citrus bioflavonoids in the lemon cause your blood to circulate more freely, leading to increased energy. The acid in lemon juice aids the digestive system in breaking down food faster so that your body can use it for energy.
 
There is so much more to lemon water than the crisp and refreshing taste. Lemon can benefit your health in so many ways. It is safe and can’t hurt to try unless you suffer from a citrus fruit allergy. So if you can, what do you have to lose? Give it a try!
 
The information in Wellness Wednesday is designed to be informative and not replace the recommendations of a physician.
 
by Denise Visco
 
For more information on Home, Auto, Business, Life, and Flood Insurance, visit our website at www.chedwards.net.
 
#WellnessWednesday #Lemons #Benefits #VitaminC #JournalofBiochemistryandNutrition #CitrusAllergy #LongIslandInsurance #CHEdwardsInsurance #FarmingdaleInsurance #ViscoFamilyInsurance #WadingRiverInsurance #Home #Auto #Business #Life #Flood #DeniseVisco #StevenVisco
Keeping your Skin Healthy in the Winter

Keeping your Skin Healthy in the Winter

Keeping your Skin Healthy in the Winter
 
Winter weather is not the best for your skin. Cold weather and low humidity levels result in dry air that steals moisture from your skin. Indoor heat, hot showers, and harsh cleansers also reduce moisture in your skin. This lack of moisture leads to chapping, redness, itching that is just plain uncomfortable. What can you do to try to beat these conditions and keep your skin healthy this Winter? Try some of these tips.
 
1. Wash with Lukewarm Water
 
Hot Showers and baths feel good, but when washing your hands or face choose lukewarm water to avoid stripping too many oils from your skin.
 
2. Moisturize as much as possible.
 
Keep moisturizer with you at all times and also keep it located in the bathroom near your sink and shower so it is available to use liberally every time you wash.
 
3. Choose Moisturizers Carefully
 
Some over-the-counter moisturizers have petroleum-based ingredients that can actually further dry your skin in winter months. Be sure to find a formula that has natural, nourishing ingredients. Look for something oil based rather than a water-based solution. Look for hydrating ingredients like lavender, chamomile or jojoba which help to soothe dry, itchy skin.
 
4. Protect your skin
 
Wear gloves and scarves. Don’t forget sunscreen. Winter sun can be just as damaging as summer.
 
5. Exfoliate
 
Moisture can’t get in if dead skin cells are plentiful. Find an exfoliating mask that you can use on your face, hands, and lips then follow up with a moisturizer. Exfoliating body washes are also helpful in winter months.
 
Try some of these tips to help keep that healthy glow all winter long.
 
The tips offered in Wellness Wednesday are suggestions for keeping healthy and do not replace the advice of a physician.
 
by Denise Visco
 
For more information on insurance, visit our website at www.chedwards.net
 
#WellnessWednesday #Winter #HealthySkin #Health #SelfCare #LongIslandInsurance #Auto #Home #Business #Life #Flood #CHEdwardsInsurance #FarmingdaleInsurance #ViscoFamilyInsurance #WadingRiverInsurance #StevenVisco #DeniseVisco
Driving Safely in Snow and Ice

Driving Safely in Snow and Ice

Winter weather is here and so is the task of driving in snow and ice.  Of course,  the best advice for driving in bad winter weather is not to drive at all if it can be avoided. This is not always an option so try not to go out until snow plows and sanding trucks have had a chance to do their work.  Make sure and allow extra time to reach your destination.

Here are some tips to keep in mind for driving safely on icy roads 

  1.  Decrease your speed and leave yourself plenty of room to stop.  You should allow at least three times more space than usual between you and the car in front of you.
  2. Brake gently to avoid skidding.  If your wheels start to lock up, ease off the brake.
  3. Turn on your lights to increase visibility to other motorists.
  4. Keep your lights and windshield clean.
  5. Use low gears to keep traction, especially on hills.
  6. Don’t use cruise control or overdrive on icy roads.
  7. Be especially careful on bridges, overpasses and infrequently traveled roads which will freeze first.  Even at temperatures above freezing, if the conditions are wet, you might encounter ice in shady areas or on exposed roadways like bridges.
  8. Don’t pass snow plows and sanding trucks.  The drivers have limited visibility, and you’re likely to find the road in front of them worse than the road behind them.
  9. Don’t assume your vehicle can handle all conditions.  Even four-wheel drive vehicles can encounter trouble on winter roads.

Try to incorporate some of these tips into your winter driving experience and have a safe winter weather driving season.

For more information on Auto, Home, Business, Life, and Flood insurance, visit our website at www.chedwards.net.

For more helpful insurance tips and information visit us on Facebook at www.facebook.com/chedwardsinsurance

by Denise Visco

Do you know what the slowdown and move over laws mean?

Do you know what the slowdown and move over laws mean?

Insurance Tip Thursday
 
Do you know what the slowdown and move over laws mean?
 
Your driving and see emergency vehicles with flashing lights coming up behind you or stopped alongside the road as your passing, what do you do?
 
Under NYS law, drivers must exercise due care when approaching vehicles that have their emergency lights illuminated. On highways, that includes moving out of travel lanes next to shoulders, if possible.
 
There are versions of the Slow down, move over law in all 50 states. If you are unaware of your states law, visit DrivingLaws.AAA.com.
 
For more information on Auto, Home, Business, Life or Flood Insurance visit our website at www.chedwards.net
 
by Steven Visco
 
#InsuranceTipThursday #SlowDownMoveOver #ItstheLaw #All50States #AAA #LongIslandInsurance #StevenVisco #CHEdwardsInsurance #Farmingdale #ViscoFamilyInsurance #WadingRiver
Not a fan of the New Year Resolution? Try a New Year Intention

Not a fan of the New Year Resolution? Try a New Year Intention

Wellness Wednesday
 
Not a fan of the New Year Resolution? Try a New Year Intention
 
Happy New Year! Now that the festivities are over, the clean up begins. The decorations from the holidays are put away and now is the time for that fresh start. A clean slate. We can begin the year anyway we choose. New Year resolutions are popular, but are they for you?
 
The New Year resolution is often attached to that difficult to obtain goal or something that you know you will only stick with for a short period of time and then view as a failed attempt rather than a new beginning. Try something new this year. How about setting an intention for the new year that can grow and change with you as your needs change?
 
An intention is defined as a mental state that represents a commitment to carrying out an action or actions in the future. Intention involves mental activities such as planning and forethought.
 
The intention you choose is personal to you and can be viewed as a positive instead of the negative that is attached to the resolution. The act of setting this intention may take some quiet thought, meditation or even soul-searching. How you do this or what you choose is entirely up to you. Your in the driver’s seat on this one. There is no time limit to set one and the process of achieving it can take as long as you need.
 
Give it a try! Make this New Year the new beginning you always wanted.
 
The information shared in Wellness Wednesday is a format to offer suggestions and is not intended to replace the advice of a skilled professional.
 
by Denise Visco
 
For more information on Home, Auto, Business, Life or Flood Insurance visit www.chedwards.net
 
#WellnessWednesday #DeniseVisco #NewYearResolutions #NewYearIntentions #LongIslandInsurance #CHEdwardsInsurance #Farmingdale #ViscoFamilyInsurance #WadingRiver
You Made it through the Holidays, Now take time to Just Breathe!

You Made it through the Holidays, Now take time to Just Breathe!

Wellness Wednesday
 
You made it through the Holidays, Now take time to Just Breathe!
 
The hustle and bustle of the holidays are over. The shopping, holiday parties, late nights, overindulgence of all the holiday favorites are now behind you. Take the time to Just Breathe!
 
The idea of New Year Resolutions weigh on your mind and the conversation of the New Year brings a fresh start and new opportunity, Don’t let this overwhelm you. Just Breathe!
 
It is natural to put this pressure on yourself with all the conversation that revolves around the New Year. More celebrations, starting a diet or fitness program, putting away the holiday decorations and taking on holiday returns. Just Breathe!
 
Pace yourself and be kind to yourself. There is plenty of time to get all of these things done. Take this time for yourself and Just Breathe!
 
Breathing is a daily function that keeps us alive but the flow of oxygen and the release of the breath during an exhale involves many functions in our body. Take time to consider this. During the exhale, oxygen is transferred into the bloodstream, decreasing stress, which is critical on days that you need the most energy.
 
It is recommended that an energizing breath be one where you breathe in through your nose while counting to four, then exhale through your mouth and count to four. Repeat this five to ten times. Be Mindful. During this time try to clear your mind of to-do lists and concerning thoughts. It is also important to stay hydrated during this exercise. Take this time for you and Just Breathe!
 
Wellness Wednesday topics are designed to bring topics of wellness to your attention and should never be viewed as medical advice or to replace a medical professional.
 
Your feedback is important to us. Please let us know if you have tried any of these tips or if there are any topics that you would like to see covered.
 
by Denise Visco
 
For more information on Home, Auto, Business, Life, Umbrella or Flood Insurance contact C.H. Edwards, Inc.
www.chedwards.net
 
#WellnessWednesday #JustBreathe #NewYearResolutions #BeKindtoYourself #Mindfulness #LongIslandInsurance #CHEdwardsInsurance #Farmingdale #ViscoFamilyInsurance #WadingRiver