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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

Candy Corn Fun Facts

Candy Corn Fun Facts

Although everyone might seem pumpkin spice crazy at the moment, there is always one Halloween classic treat that will never be forgotten. And that is, candy corn. This sweet treat is a Halloween staple and often overlooked. We are going to give you some Halloween fun facts that you might not have known. And after reading our facts, let us know your favorite! And don’t forget to enjoy this classic treat on October 30th because that is National Candy Corn day!

• The original name for candy corn was “Chick Feed” and was marketed toward farmers.

• Candy corn has been around for over 130 years when George Renninger, a candy maker at the Wunderlee Candy Company, stumbled upon the perfect mixture of corn syrup, sugar and marshmallow flavoring, which invented the tri-color candy in 1880.

• Americans have debated on the style of how the kernels should be consumed. According to a survey, 46.8% of people think that the whole kernel should be eaten at once, compared to 42.7% that start at the white, narrow end. While the remaining 10.6% of people start at the wider yellow end.

• A recent CNN Facebook survey found that older people tend to like candy corn more than younger ones do. The study also found that 86% of females love candy corn compared to 14% of males.

• According to Google Insights, candy corn is the most searched for candy term in Google. Alabama has the highest about of candy corn searches out of all 50 states. The only thing sweeter than “Sweet Home Alabama” is the candy corn itself.

Written by: Sandra Costanzo

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.

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
Thanksgiving Reflections

Thanksgiving Reflections

Thanksgiving Reflections

Thanksgiving is a time to spend with family and friends to take pause and reflect on the past year and to plan for the year ahead. The celebrations often revolve around amazing food and laughter but let’s not forget to make the time to be thankful for all blessings.

At C.H. Edwards, Inc. we are thankful every day for the loyalty of our customers. It is because of that loyalty, we have been able to continue my family legacy and serve the Insurance needs of families. I am constantly re-evaluating the best way to serve the families that depend on C.H. Edwards, Inc. to help provide them with the best protection because your families are important to us! Thank you for putting your trust in us and for referring your family and friends and making them part of the C.H. Edwards family.

I am thankful for the amazing and strong Customer Service staff I have created over the years, sharing my vision and giving there best to our customers every day.

It is with this support and the support of my family, who each contribute to the prosperity of our business, that I am able to make this commitment. This support has allowed us to grow and change over the years and stay in this very competitive business.

In the coming year C.H. Edwards, Inc. will be experiencing some exciting changes and I am so grateful to be able to share them with our customers. Stay tuned!

Wishing you warm Thanksgiving wishes from the entire Visco family and the C.H. Edwards, Inc. Family.

by Steven Visco

Pumpkin Carving Safety Tips

Pumpkin Carving Safety Tips

It’s finally here, Pumpkin carving time! Kids, teens and even adults wait all year to carve their spooky Jack-O-Lantern’s for Halloween night! Although carving pumpkins can be fun for the whole family, it can also be dangerous and turn Halloween into a nightmare. Pumpkins can be both slippery and tough, a recipe for accidents.

pumpkin carving 1

Follow some of these helpful safety tips when you’re carving your pumpkin this year:

Use the right tools: Consumer Reports tested pumpkin-carving kits a few years ago and observed that one advantage of the specialty tools was that they can saw through rinds, poke holes, and scoop out innards without being razor-sharp. The instruments were also generally small, which made them easier to control than knives and easier to use when making intricate cuts.

Carve before taking off the top of the pumpkin: Carving the pumpkin before cutting the top off will help you avoid accidentally sticking your hand in the pumpkin while cutting inwards.

Take precautions: Carve in a clean, dry, and well-lit area, keeping your hands and tools clean and dry. Most important, take your time. Remember, this is a fun activity and fun shouldn’t be rushed!

Don’t let kids carve: It is important to not let young children carve by them selves. Instead, have children draw markings on the pumpkin and help clean the innards out with a spoon or their hands. If you have a young teen and they are trusted with a knife, be sure they are using a short knife and supervise as they are carving.

Halloween and fall activities are fun for everyone. Make sure you are enforcing safety this year while you share these activities with the ones you love. Practicing safety can help prevent you from having your own “Nightmare before Halloween”.pumpkin carving 2

At C.H. Edwards, Inc., we take pride in offering you helpful information so that you can make the most of the time you spend with your family. Call us if we can be of assistance with any of your Halloween related claims.

The Management and Staff at C.H. Edwards, Inc. wish you a Happy and Safe Halloween!

 

Discounts on your Insurance are available!

Discounts on your Insurance are available!

There are many different types of discounts that we can make available to our customers. The first is a coupler discount. This means that your home and auto are insured together. Another discount can be added if an umbrella policy is included in the package. Some of the other discounts that we can make available to you are age of home, home buyer, renovations, claim free, retirement, gated community, and protective devices. 

C.H. Edwards, Inc. is an Independent Insurance Agency who represents over 15 A+ rated, highly competitive insurance companies. We specialize in Auto Insurance, difficult to insure Long Island homes, as well as a full range of Commercial Insurance. Flood insurance and Life insurance are also available at competitive prices. Let our Independent Agents do the shopping for you!

Does any of this sound interesting to you? Make a no obligation phone to C.H. Edwards, Inc. today and let us tell you how these discounts can help you save even more money! Don’t delay, give us a call today.

Let us make today a great day!
(516) 249-5200