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
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Having trouble staying happy this holiday season?  Try some happiness helpers.

Having trouble staying happy this holiday season? Try some happiness helpers.

Wellness Wednesday

Having some trouble staying happy this holiday season? Try some happiness helpers.

Are you having a tough time being truly happy this holiday season? You’re not alone. The holidays are often a difficult time for many. Try some of these research-based happiness helpers.

1. Set an intention to enjoy the holidays. When making a conscious decision to be open to happiness, you are more likely to be more aware of uplifting moments.

2. Take a break to regain focus. If you are feeling completely overwhelmed by your to-do list, stop and take a moment to do something you enjoy. Have a cup of tea, take a bath, go for a walk, try some yoga, talk to a friend or watch a movie. Leave the holiday mode for a bit and just relax.

3. Practice gratitude and generosity. Don’t take good fortune for granted. Reflect on your good blessings and let your loved ones know you appreciate them. Everyone feels the joy of a loving connection. Neuroscience research suggests that performing an act of generosity lights up the same pleasure centers in the brain as food. When an impulse to be generous arises, act on it and notice the feeling.

4. Lastly, play and have fun. The holidays give us a reason to let ourselves act and feel like we did when we were kids. Take time to be around kids. Take delight in their enthusiasm. Singing or dancing is a great way to get out of our head and open our hearts to really experience joy.

Happiness is contagious! If you are happy, family and friends around you are more likely to experience your happiness and be happy too.

This Wellness article offers suggestions and does not replace the advice of a trained professional. If you feel prolonged sadness or the inability to find happiness this holiday season, please contact a healthcare professional.

Wishing you a happy and healthy holiday season.

For more information on Home, Auto, Business or Life Insurance, contact C.H. Edwards, Inc. at

by Denise Visco

#WellnessWednesday #SpiritRockMeditationCenter#NaturalAwakeningsMagazine #AwakeningJoy #generosity #gratitude#Happiness #LongIslandInsurance #CHEdwardsInsurance #Farmingdale#WadingRiver #DeniseVisco #StevenVisco

Decorating Safely for the Holidays

Decorating Safely for the Holidays

Don’t let fire or accident spoil your holiday season.  Use these tips to keep your family safe while celebrating all winter long!

The winter holidays are a time for fun, family, and festivities.  That often means more cooking, decorating, entertaining and shortcuts.  Christmas trees, candles, and holiday lights are responsible for hundreds of fires and accidents each year.  Before you deck your halls, make sure you’re following these safety tips.

-Inspect your holiday decorations carefully to make sure there are no loose or frayed wires.  Choose those made with flame-resistant, flame-retardant or non-combustible materials.

-Keep candles away from decorations and other combustible materials, and do not use candles to decorate your Christmas tree.

-Purchase only lights and electrical decorations bearing the name of an independent testing lab, and follow the manufacturer’s instructions for installation and maintenance

-Do not overload extension cords.

-Always unplug lights before replacing light bulbs or fuses.

-Don’t use clips or nails that puncture your light cords wire insulation.

-Keep children and pets away from light strings and electrical decorations

-Turn off all lights and decorations when you head out for the day or go to bed at night.

-Test your smoke alarms to make sure they are working properly as a backup

-If you have a real tree, keep it moist by watering frequently.

-Candle fires in the home are reported to a U.S. Fire Department every 34 minutes during the holidays.  If you are decorating with candles, make sure they are far away from any item that can burn such as furniture, bedding, curtains or other decorations.

Follow these safety tips to ensure Happy Holidays for all!

These tips are designed as general information that may apply to many situations.  Please take them and apply them to your specific information.

For more information on Home, Auto, Business, Life or Flood Insurance, contact the specialists at C.H. Edwards, Inc.  We are happy to provide you with the information that will best protect your family.






The Gift of Life Insurance

The Gift of Life Insurance

The holiday season is officially here and people everywhere are shopping for the perfect gifts for their loved ones.

Why not give the gift of life insurance this holiday season? When you give the gift of life insurance, you are giving the gift of financial stability for the future.

When you purchase life insurance for someone else, the application will need that person’s name, date of birth, and often their social security number. You will also need to provide health information on the insured, even if you are buying a policy for a child.

Although there may be a few obstacles along the way, keep in mind that life insurance is the only financial product that guarantees financial stability for the future.

If you are interested or have questions regarding life insurance for you or a loved one, give us a call at 516-249-5200 and let us help your holiday wishes come true.

We wish you a very happy holiday season from the management and staff at C.H. Edwards, Inc.


Life Insurance Awareness Month: Policy Beneficiary

Life Insurance Awareness Month: Policy Beneficiary

No one likes to think about dying, but when it comes to life insurance, you need to figure out who will get your money when it is your time. It is important to know what a beneficiary is and how your life insurance policy works after you are gone.

September is life insurance awareness month and C.H. Edwards, Inc. is here to help you understand the basics of life insurance.

What is a Beneficiary? Beneficiary is a term in a life insurance policy contract that recognizes who receives the benefits after a person’s death. The primary beneficiary is the first person who receives the benefits after you have passed. If your primary beneficiary is deceased, your contingent beneficiary would then receive your benefits. A contingent beneficiary is also known as your secondary beneficiary.

How to choose your beneficiary? Choosing the right beneficiary is important, but can also be challenging. Consider who you want to help after you are gone. This could be a spouse, child, niece, nephew, etc.. In short terms, your beneficiary should be someone you can trust with your money after you are gone.

It is never too early or too late to purchase a life insurance policy. Nearly 40% of consumers in the United States do not have life insurance coverage. Don’t wait another day!

For more information on life insurance, please give us a call at 516-249-5200.


Are Your Smoke Alarms Working Properly?

Are Your Smoke Alarms Working Properly?

Having a smoke alarm in your home is more important than you think. House fires kill on average 4,380 individuals every year. Ensuring that your detectors are working properly are vital when it comes to saving you and your family’s lives in the event of a disaster.
The answer to these three questions could save your life:
  1. Do you have a working smoke alarm with functioning batteries in your home?
    If you answered yes, that’s a great start. If you answered no, head to your local home improvement store and pick one up immediately. Sooner is better than never.
  2. Are they in the right room?
    Smoke and carbon monoxide detectors should be placed in hallways, kitchens and living rooms.
  3. How old are they?
    You should change your alarms out every 10 years. If your current alarms are older than 10 years, its time!
If you want to avoid forgetting to change the batteries, you can purchase lithium batteries for $5-$10 dollars and they work for 10 years.
What will be your first step towards a safer home?
Is your Heart Healthy?

Is your Heart Healthy?

February is Heart Health Month. There are many contributing factors that cause heart disease and heart attacks. Do you know if you are at risk?
If you answer yes to 3 or more of these questions, you should schedule an appointment with your doctor immediately.
  1. Do you smoke?
  2. Do you have high blood pressure?
  3. Do you have high cholesterol?
  4. Do you have diabetes?
  5. Are you overweight?

These are all possible risk factors of heart disease and heart attack. If you answered no to these questions, then you are off to a good start. However maintaining a healthy heart is important.

Here are some tips to follow when ensuring a healthy heart.

  • Avoid smoking cigarettes or chewing tobacco.
  • High blood pressure is one of the largest risk factors. Limit your salt intake and be sure to exercise regularly.
  • Keep your cholesterol low. To lower your cholesterol, reduce the saturated and transfats in your diet.
  • Control your blood sugar with dieting and exercise.
  • Exercise on a regular basis. Start out slowly. Even just 10 minutes a day of exercise is helpful.
  • Control your stress with meditation, or exercise. Stress is another leading factor in heart disease.

How do you plan to take care of your heart? For more information on heart health and heart health awareness visit


The Gift of Life Insurance

The Gift of Life Insurance

The holidays are here and tis’ the season for gift giving. Many people think of gift giving as exchanging cookies, baked goods, toys or clothing.

What about the gift of life insurance? To some, it may sound confusing and to others it makes perfect sense.

Truth is, giving the gift of a life insurance policy does make perfect sense. When you give the gift of life insurance, you’re giving the gift of financial stability for the future.

If you’re tgingerbreadhinking about giving the gift of life insurance to someone you know this holiday season, here are some important factors to consider when making your decision:

Think about who you are buying for. Giving life insurance to children or grandchildren is ideal. When an individual is in good health, life insurance will cost considerably less. Therefore, making it an affordable gift.

Select the right type of life insurance. Policies that include a cash value feature, such as whole life or universal life gives the most flexibility for the future, and the opportunity to establish a foundation.

Purchase an appropriate amount of coverage. Depending on your recipient, it is important to calculate how much that person will need in life insurance. For younger children a policy with a smaller cash value is sufficient. However, if you are purchasing for someone older, consider the following:
Funeral expenses
Medical expenses, in the event the recipient faces an illness or accident.
Income protection
Retirement investment availability

Know when life insurance doesn’t make sense as a gift. If the person you are considering purchasing a policy for is sick, elder, or uses tobacco, it could increase the price of the policy. In this situation, you can use your best judgment to choose if the money is better spent elsewhere.
For more information on life insurance or if you are interested in giving the gift of life insurance this holiday season, please give our office a call at (516) 249-5200 or visit our website at

We wish you a very happy holiday season from the management and staff at C.H. Edwards, Inc.

Written by: Denise Visco