info@chedwards.net   (516) 249-5200
Menu
Safety Tips for Winter Walking

Safety Tips for Winter Walking

Winter walking means icy sidewalks, snowy paths, bulky clothes, bulky shoes, and more. There are several steps that you can take to enjoy a safe winter season.

  • Avoid distractions from your phone and other hand held devices. Be sure that you aware of your surroundings.
  • Avoid shortcuts and snow covered paths. Always aim for cleared sidewalks and walkways.
  • Use caution when stepping from one level to another. Especially on stairs!
  • Wear non-slip boots or footwear.
  • Take small steps and take your time. Rushing will only put you in danger for a possible accident.
  • Use handrails and guiderails when available.
  • Maintain three points of contact whenever possible.
  • Distribute weight of bags evenly for balance and keep hands out of pockets in case you need to catch yourself.

The winter season on Long Island can bring many different types of weather. Make sure you know how to stay safe when commuting in them. Taking these small steps now could save you a trip to the doctor in the future.

How do you plan to stay safe this winter season?

 

Keeping Our Water Ways Clean

Keeping Our Water Ways Clean

72% of the Earth is made up of water. This is one of the many reasons as to why it is so important to keep our water ways clean and safe!

Everyday activities such as driving and landscaping can affect our water quality significantly.

Here are some tips to follow when keeping our water ways clean:

  • Never drain your pool into a storm water system, roadway or body of water. Water should be dechlorinated and discharged to a grassy area.
  • Clean up after your pets at home and in your community. Pet waste can spread disease and pollute our waterways.
  • Always check your vehicles for leaks and make necessary repairs.
  • Used oils, antifreeze, fluids and batteries should be recycled at collection centers or participating auto part stores.
  • Do not dump fats, oils, and grease down your drain. When poured down the drain, these substances known as FOG will harden and over time will create clogs.
  • Make sure to have your septic systems pumped every 3-5 years.

What steps will you take to keeping our water ways clean?

 

Credit Score and your Insurance

Credit Score and your Insurance

Does your credit score affect your insurance rates? As a matter of fact, it does!

Your credit score plays a big role in the price of your insurance. Of course, the higher your score the cheaper your insurance, and the lower your score, the more expensive your insurance will be.

Insurance companies and agencies have many tools available to assist them in the underwriting process. Credit score and history provides a consistent tool to evaluate risk that does not discriminate against any specific group of customers. It helps the customer pay his or her fair share for insurance.

Most companies that use credit information treat it as just one of several factors in the underwriting decision. Generally, your credit rating alone is not likely to keep you from obtaining insurance or paying more, it can help you get insurance.

An NAII survey found that credit histories helped insurers write more policies. Companies said that they are able to accept some customers because the credit report offsets other information. One NAII member found that using credit histories enables it to charge seven percent of its customer’s lower premiums than otherwise would be the case.

So what’s credit got to do with it? A lot! If you have a low credit score, make improving your credit score a goal for the new year.

 

Cut Your Energy Costs

Cut Your Energy Costs

It’s a New Year, and now is the perfect time to cut back on your energy costs. Taking the steps to cut your energy costs will not only save you money, but it will save our resources and the planet.

Here are some tips to help you get started:

  • Make sure your home is sealed during the winter to avoid wasting heat. Close all fireplace dampers, windows, and make sure any cracks are sealed.
  • Cool your home naturally in the summer by opening windows on cool nights.
  • On nice days, hang your laundry out to dry instead of using the dryer.
  • Replace regular incandescent light bulbs and fixtures with Energy Star qualified fluorescent lights.
  • Unplug any appliances or devices that you are not using. Although they are not on, they are still drawing energy.
  • Replace your old refrigerator. Refrigerators made before 1993 could be costing $140 a year in electricity. Even refrigerators built between 1993 and 2001 cost about $60 a year to run. By comparison, a new Energy Star rated refrigerator runs on about $20 a year.
  • Only run your dishwasher when it is completely full to avoid running it multiple times in a day.

Everybody wants a little more money in their pockets. Attempting to save on energy will help you! You could save over $900 a year just by doing the basics. Imagine how much more you could save by finding more ways to save on your energy.

 

Candle Safety

Candle Safety

Calling all candle lovers! The holidays have passed and most likely you’ve received an abundance of your favorite candles. Before lighting a candle, be sure to follow these 4 important safety tips:

Don’t touch your candle while hot! Never touch or move while lit; wait until the wax has hardened.

Keep an eye on your candles. Always burn candles where you can see them (no longer than 3-4 hours at a time) and never near anything that can catch fire. Candles will burn slower and more evenly when kept in draft-free areas. Extinguish the flames before you leave a room. Never extinguish the flame with water.

Keep your candles clean. Trim wicks to ¼ inch before you light them (every time).

Keep candles out of reach. If you have pets, or young children, be sure to keep your candles in an area where they cannot reach them.

Enjoy your candles safely!

 

Breaking Bad Habits in the New Year

Breaking Bad Habits in the New Year

With the New Year right around the corner, many people will be setting their New Year Resolutions. Is kicking bad habits to the curb on your list for 2017? If so, here are some helpful tips and strategies to help you stay on track of your goals.

Make the commitment – making a commitment to your goal is number one. Whether your goal is to lose weight, start eating heathy or quit smoking; make sure you are 100% committed.

Create a roadmap – create reasonable monthly goals. Not only will these goals help you stay motivated and on track, but you will feel accomplished after reaching them.

Identify your triggers – we are all humans. We all have urges and weaknesses. Be sure to identify them before the start on your goals. Avoiding temptations will help you stay on track.

Evaluate When You Fall off Track – we all make mistakes. Maybe you just had to have that double bacon cheeseburger or just one cigarette while you were out with some friends. Evaluate when you come off track and be sure to get back on track.

Use these four strategies when achieving your goals this New Year. We wish you the best of luck for a prosperous new year.