info@chedwards.net   (516) 249-5200
Menu
Shopping Safely Online this Valentine’s Day

Shopping Safely Online this Valentine’s Day

Valentine’s Day is just around the corner, and that means shopping for s special gift for that special someone.  Although you may be heading to your local florist or candy shop to pick up a gift, others do their shopping online.

Let’s face it, shopping on line is fast, easy and your items ship right to your front door. However, we can’t forget about the lurking thieves who aim to steal your credit card, bank and other personal information.

Follow these basic guidelines and you can shop online with confidence this Valentine’s Day:

  • Use familiar websites. If you know the site, chances are you won’t be ripped off. Websites such as Edible Arrangements and 1-800 Flowers are well known sites and chances are you will be making a purchase on a secure site.
  • Never buy anything online using your credit card from a site that doesn’t have SSL (secure sockets layer) you can see if the site has SSL if the site starts with https:// instead of just http://.
  • Never give more information than needed. No online store needs to know your social security number or your birthday to do business. If thieves get this information along with your credit card information, it can do a lot of damage.
  • Check your credit card and debit card statements regularly. Make sure you don’t see any fraudulent charges. If you do, contact your bank immediately.
  • Install an anti-virus program onto your PC and be sure to do regular updates.

Shop safely this Valentine’s day and every other day of the year. You never know who could be lurking in the shadows!

 

Creative Ways To Tell Your Partner You Love Them This Valentine’s Day

Creative Ways To Tell Your Partner You Love Them This Valentine’s Day

Wouldn’t you agree that we not only want to be loved, but also to be told we are loved? Valentine’s Day is the occasion when you can experience and express both.

Here are some creative ways to tell your partner you love them this Valentine’s Day:

• Serve them breakfast in bed. Trim the tray with Hershey Kisses and a note card with a short love letter.

• Write a small book of all the reasons you love your partner.

• Take him/her on a scavenger hunt. Have them answer riddles to find the clues to items that you placed somewhere around town. The last item should lead them to your Valentine’s Day activities.

• Plan a small getaway at a bed and breakfast or spa for the week or weekend.

• Give your lady a dozen roses and on each stem attach a little note with a reason you love them.

• Take your spouse or partner to the restaurant that you enjoyed when you first met. This will help you both relive many memories.

• Order take out and have a picnic on the living room floor. This is a great way to involve your children and also enjoy the comforts of your own home.

• Hide little candy hearts in your spouses or partners belongings. (Ex. Shoes, car, jacket, purse, etc.)

• Make a creative coupon book (Ex. Free massage, free night out with the guys, etc.)

• Buy their favorite perfume/cologne and place it next to their bedside with a box of chocolates or flowers.

• Leave a mirror message. Your partner will wake up to a loving message while brushing their teeth and getting ready.

Enjoy your Valentine’s Day with your loved one. Remember, love is not meant to be given and received just on Valentine’s Day. It’s to be practiced every single day of the year.

Written by: Amanda Haase

Give the Gift of Life Insurance this Valentine’s Day!

Give the Gift of Life Insurance this Valentine’s Day!

Happy-Valentines-Day-SignValentine’s Day is only a day away. Are you still searching for that special gift? Consider giving the gift of Life Insurance. Planning ahead to make sure that your loved ones can continue on without having to make sacrifices is the greatest gift you can give. Whether it’s Term, Variable, Universal or Whole life insurance, C.H. Edwards, Inc. can assist in deciding what is best for you and your loved ones.

Maybe you already have Life Insurance? Have you considered reviewing your Insurance? Reviewing your existing insurance program is extremely important. It is very common to purchase insurance and never review it. Insurance companies will not contact you to advise if less expensive options are available or that there may be a problem in the future.

The following are areas of concern for existing life insurance policies, many of which we may be able to help you correct.family

-Term Life Insurance: The cost of term Insurance has changed in recent years. This may present an opportunity to save on your current premium. Often you can extend your fixed guarantee period or increase coverage for the same outlay.

-Variable Life Insurance: Careful attention needs to be paid to ensure that the contracts are performing adequately based on the values of the iinvestment. Reallocation or increased premium may be required.

-Universal Life Insurance: These policies are interest rate sensitive. The current lower interest rate environment has affected existing policies. Projections from the existing insurance company often show the policy owners may need to pay additional premium or face losing their coverage at a time in your life when it is needed most.valenintes vpc

-Whole Life Insurance: Many of these policies require several years of additional payments before premiums can cease. Although they are often purchased for their cash value growth, you may find less need for the cash and view the policy as an inheritance for your heirs. Sometimes leveraging the cash value for a high death benefit makes sense.

Does all of this seem overwhelming to you? Helping you understand your Insurance is a valuable service C.H. Edwards, Inc. offers to clients. So whether you are already a client or considering joining the C.H. Edwards, Inc. family let us help you give the gift of Life Insurance this Valentine’s Day.

From the Management and Staff of C.H. Edwards, Inc., Have a very Happy Valentine’s Day!

www.chedwards.net

Written by: Denise Visco