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Valentine’s Day Date Ideas – Without Breaking The Bank!

Valentine’s Day Date Ideas – Without Breaking The Bank!

It’s important to make your significant other feel special on Valentine’s Day. In fact, it’s even better when you don’t have to break the bank for it.
Here are some inexpensive yet thoughtful date ideas to try this Valentine’s Day:
  • Dine in before going out. Heading out to a restaurant on Valentine ’s Day is a recipe for fighting off crowds. You can easily avoid this by ordering in your favorite food or even cooking dinner for that special someone. Not only will you feel relaxed and comfortable in your own home but you will be saving money too.
  • Consider using coupons. Using restaurant coupons on a first date is a bit awkward. However, for long term couples who are comfortable with each other, this could work to save the both of you a little bit of money.
  • Splurge on cocktails and dessert. Instead of spending on a huge meal, eat and spend light on your main course. Then, head out or even stay in, and enjoy more of your favorite mixed drink and sweet treat!
  • If concert and theater tickets are out of your range of spending, try going to an art gallery, wine tasting or even the movie theater. In most places these centers are open late.
  • If you are looking to have a unique and reasonably priced Valentine’s Day, try some of these money saving options.
Happy Valentine’s Day from C.H. Edwards, Inc.!
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!

 

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?

 

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.

 

Winterizing Your Vehicle

Winterizing Your Vehicle

Winter is almost here, and it’s time to endure the cold, snowy weather that New York brings. Before we know it, we will be digging our cars out of the snow. That’s why it is important to get a head start today on winterizing your car.

Taking these steps to prepare your car will ensure a safe winter for all.

  1. Get an oil change. If you are approaching the time for an oil change, do not procrastinate. Get it done now. Make sure your oil’s viscosity is right. Oil tends to thicken as it gets colder. If it is too thick it won’t do the best job of keeping your engine lubricated.
  2. Make sure you can see. Be sure to replace your old wiper blades with fresh new ones. Along with changing your blades, be sure to refill your windshield washer fluid and make sure that the defrost setting in your car is working properly.
  3. Give your battery a little TLC. Check your battery and make sure there is no corrosion and that it can hold a charge. You don’t want to be stuck on the side of the road with a dead battery in the dead of winter.
  4. Check your tire pressure. Make sure your tires are properly inflated to ensure you will have the best traction.
  5. If you have a four wheel drive, be sure to check that your system is working properly. Especially if you do not use your four wheel drive during the summer months.
  6. Last but not least, be sure to prepare an emergency kit. Store supplies in your trunk in case you are ever stuck. Emergency items such as:
    1. Blankets
    2. Extra boots and gloves
    3. Ice scraper
    4. Small shovel
    5. Flashlight
    6. Flares
    7. Tool kit
    8. First aid kit
    9. Paper towels
    10. Canned food
    11. Bottled water

Travel safely this winter and don’t get caught in the cold!

 

Hands-free driving is about to have a new meaning!

Hands-free driving is about to have a new meaning!

Hands free driving is about to get a new meaning. One of the first self-driving cars will debut in Pittsburg, Pennsylvania next week. And the company debuting this vehicle is Uber. This past February, the ride-sharing company announced that they would be partnering with Carnegie Mellon University to open its Uber Advanced Technologies Center in Pittsburgh. It is preparing to launch autonomous vehicles in to its fleet by 2020.

“Self-driving cars have the potential to save millions of lives and improve quality of life for people around the world,” Uber said in a blog post on its site, citing a statistic that 94% of car accidents that result in the loss of live involve human error.

Uber`s rival Lyft, is also trying to get in on all of this action. Lyft has released a statement this month that they are currently in the same process. “Executives at Lyft and Uber have said one of the top hurdles to their success is navigating a patchwork of regulations that govern the use and liabilities of autonomous vehicles. Federal regulators are working to help companies figure out how to meet safety standards when designing cars.” This project is still in the early stages for both Lyft and Uber. With all the pros and cons to this, it’s interesting to see what will happen.

Adding Value To Your Home

Adding Value To Your Home

As your home grows in age, the value of your home starts to drop. If you are looking to increase the value of your home, consider some of these home renovations to help add value to your home.

Invest in your kitchen: A kitchen update and remodeling your kitchen is a safe bet when it comes to adding value to your home. Even if the rest of your home is in excellent condition, a poorly functioning kitchen can detract from the overall value. Consider putting in new cabinets and counters to give the kitchen a whole new look.

Look to paint: One of the least expensive improvement materials is painting! Neutral and modern colors can help liven up any space. If you paint with low-VOC paint, you can also advertise your home as an eco-friendly home.

Put in another bathroom: Multiple bathrooms are an attractive retail point, especially in older homes. Finding the space to add a bathroom may be hard, but consider closets, areas under stairs or taking space away from another room. If you do not have the rooms for a full bath consider adding a half bath.

Add illumination to rooms: A dark room in a home is a dull room. Adding overhead and accent lighting can really make a difference in the appearance of your home. Under cabinet lighting in your kitchen is also a nice touch.

Improve curb appeal: Adding attractive landscaping outside of your home and freshening up the entryway to your home can add considerable value to your home, as buyers judge the home from its exterior look. Well placed planting and an inviting front door can do wonders to a home.

If you are a homeowner and recently have, or plan to complete renovations to your home, don’t forget to call your Insurance Agent to discuss possible discounts on your Homeowners Insurance. If you are interested in a quotation for your home, give C.H. Edwards, Inc., a call and one of our courteous Homeowners Insurance Specialists will be happy to assist you. 516-249-5200 www.chedwards.net.

Written by: Amanda Haase