Maintaining Your New Year Resolutions
New Year’s Resolutions can be hard to keep when your list of goals is as long as your shopping list. Add on some stress and post-holiday slump and you’re feeling hopeless!
Don’t panic! Here are some tips to help keep your resolutions in check and on track.
Start small. Don’t jump into an unrealistic resolution. For example, instead of promising yourself to go to the gym five times a week, make a promise of three days. This will help you feel more accomplished and help your strive towards the five days.
Change one behavior at a time. Don’t get overwhelmed and think that you have to reassess everything in your life. Instead, focus on changing one thing at a time.
Talk about it. Share your goals and expectations with your family and friends. Having a support system will help you in achieving your goals.
Don’t beat yourself up. If you promised yourself to eat healthy this year and splurge on a bowl of ice cream. Don’t get down about it. We are all human and we are far from perfect. One bowl of ice cream or even a cookie will not permanently destroy your resolution. Everyone has up and downs. Simply recover from your mistakes and get back on track.
What are your New Year resolutions for 2018?
Insuring Your New Holiday Gifts!
The presents have been opened and Santa is headed back to the North Pole to prepare for next year’s big trip.
Was Santa extra good to you this year? Maybe you received those diamond earrings you’ve been wanting or even your dream car!
No matter how big or small, let C.H. Edwards, Inc. help insure your precious holiday gifts.
We offer a wide variety of coverage’s such as:
- Automobile
- Motorcycle
- Snowmobile
- RV
- Jewelry
- Fur
- Camera
and so much more!
Don’t know what coverage is right for you? Give us a call at (516) 249-5200 and let our specialists help in finding you the perfect policy or visit our website at www.chedwards.net.
For more information on the coverage’s, we offer or a free quotation, visit our website at www.chedwards.net.
C.H. Edwards, Inc. wishes you and your loved ones a happy and prosperous New Year!
Cut Your Own Christmas Tree This Holiday Season
The Thanksgiving Turkey has been carved and now it is time for the next holiday ritual – finding the perfect Christmas tree!
From Amityville to Montauk, Long Island has about a dozen tree farms where you can cut a fresh Christmas tree. These farms range from simple to full-fledged holiday extravaganzas.
So, whether you prefer a quick tree cutting errand or an all-day event, consider a visit to one of these farms.
Things to know before you go:
- Dress appropriately. These farms are all in the open air and it will get chilly.
- Some places do not take credit or debit cards. Go prepared with cash or check.
- Be sure to bring your own rope in the event the farms does not provide any.
Farms to visit:
Huntington Town
Elwood Pumpkin and Christmas Tree Farm
1500 E. Jericho Tpke.
Open through Christmas Eve
Cost $12 – $18 per foot
Tilden Lane Farm
48 Wyckoff St. Greenlawn
Open weekends Nov. 26-Dec. 11
Cost $70-$80 per tree
Brookhaven Town
Carter Christmas Tree Farm
123 North Country Rd. Miller Place
Open weekends through Dec. 18th
Cost varies depending on size
Matt’s Christmas Tree Farm
305 Weeks Ave. Manorville
Open Nov. 25 – Christmas Eve, closed on Tuesdays
Cost $12-$16 per foot
Riverhead Town
Lewin Farms
Fresh Pond Ave. Calverton
Open Nov. 25th – late December
Cost $35 – $55 per tree
Southold Town
Dart’s Christmas Tree Farm
2355 Main Bayview Rd. Southold
Open November 25 – Christmas Eve
Cost varies
Santa’s Christmas Tree Farm
30105 Main Road. Mattituck
Open November 25 – end of holiday season
Cost: $75 per tree
Have a joyful holiday season!
How to Make Existing Windows More Energy Efficient
The colder months are officially among us! Drafty windows in your home make it less comfortable for you and your family by allowing cold air to enter your home during these fall and winter months. Not only is this a cause for discomfort but it also has a negative impact on the environment.
Leaky windows require heating systems to work harder, therefore increasing energy consumption. You can help keep your home warm while being more energy efficient with a few of these helpful tips:
Caulk or add weather stripping. Small cracks and gaps around windows, which are most often found around windows in older buildings, might not seem like a big deal but can be the biggest reason as to why you have a draft! Fixing these small cracks will go a long way when it comes to keeping your home warm and saving energy.
Install window films. Plastic window films are another option for homeowners looking to keep their home warm and save energy. Heat shrink film can be cut to fit each individual leaky window in a home and help save you tons on energy costs.
Once you have sealed up the cracks and gaps in your window, be sure to open your curtains during the day time. The natural light shining in will warm your home up.
Drafty and leaky windows are bad for homeowners! Not only does it cause you to be uncomfortable but it can drive up your energy bill. Thankfully, there are options!
For information on homeowners insurance or how to save on your homeowners’ premium, give us a call at 516-249-5200.
Transportation Network Companies
TNC/Ridesharing has become a popular trend over the past year. However, many consumers have unanswered questions when it comes to ridesharing and insurance.
What is a “TNC”?
TNC stands for “Transportation Network Company”. TNC’s are the companies that offer a ridesharing service. Companies such as Uber and Lyft are examples of popular “TNCs”.
What is “Ridesharing”?
Ridesharing is the use of a personal, non-commercial, privately owned vehicle to provide pre-arranged transportation to others. Passengers request a ride though the Transportation Networks app.
What is a “TNC Driver”?
A TNC Driver is someone who uses their personal, non-commercial vehicle to provide rides for others.
Who must provide insurance for the TNC Driver?
New York State law requires that a TNC provide primary insurance coverage for their drivers through a group policy. TNC drivers are able to obtain their own insurance but must meet the same insurance requirements as the TNC is required to provide.
What are the required minimum limits of insurance?
Bodily Injury Liability: $75,000/$150,000
Property Damage: $25,000
Uninsured Motorist: $25,000/$50,000
Personal Injury Protection $50,000
Will the TNC Driver’s personal automobile policy provide physical damage coverage?
No! The TNC driver’s personal automobile policy will only provide physical damage coverage if an insurer provides the coverage for a TNC drivers vehicle through an endorsement.
Is there an age and licensing requirements to become a TNC driver?
Yes, New York State law requires that TNC drivers must be at least 19 years old and hold a valid and current New York State driver’s license issued by the New York State DMV.
Are there any requirements to become a TNC driver?
Yes, the New York State DMV requires that the TNC conduct a criminal history background check along with a review of the applicant’s driving record. TNC’s must also verify that the applicants vehicles are properly registered and inspected.
If you are a TNC driver or are thinking of becoming one and have questions regarding your insurance, please give us a call at (516) 249-5200 and one of our automobile specialist will be happy to assist you.
#NewYorkCentralMutual
October is National Fire Prevention Month – Fire Prevention and Safety Tips
October is National Fire Prevention month. According to the NFPA U.S. fire departments responded to an estimated average of 358,300 home structure fires per year during 2010-2014, which represents three-quarters of all structure fires. $6.7 billion in direct damage, or 69% of total direct damage in structure fires.
A tragedy can strike at any time. Preparing cannot only save your life but it can help save others.
- Here are some tips that can help you when it comes to fires:
Be sure all of your smoke detectors and carbon monoxide detectors are working properly. - Don’t use candles. Wax with wicks are the most common fire starters among house fires.
- Always have a fire extinguisher in an easy to reach place in the event of an emergency.
- Make sure there is a smoke detector outside of each bedroom.
- Avoid smoking inside your home. If you do smoke inside your home, use a metal canister with sand or water to put out cigarette butts.
- Don’t overload electrical outlets or surge bars.
- Prepare an evacuation plan with your family in the event of a fire. Be sure to have designated escape spots and a backup escape spots in case other spot are blocked from the fire.
- Protecting yourself and your loved ones from fire is important. Preparing now and knowing the basics can help save a life.
If you have questions regarding possible fire damages to your home, please call C.H. Edwards, Inc. today at (516) 249-5200 or visit our website at www.chedwards.net.