Tips for Surviving the Holidays Illness Free!
A cough, sniffle and flu germs have a way of getting around. Avoiding these risks, especially during the holidays become an even more challenging task.
Here are some simple tips for helping you keep healthy this holiday season!
-Be sure to wash your hands regularly. A good scrub for at least 20 seconds with soap and warm water.
-Always carry hand sanitizer. When soap and water aren’t available, a good hand sanitizer with at least 60% alcohol is a good alternative.
-Covering a cough or sneeze is always a good habit. Covering a cough or sneeze with a tissue or in the bend of your arm at the elbow are the best ways to do this. Teach your kids this trick as well.
-Keep your defenses up! Getting plenty of sleep, eating good foods and keeping up regular exercise are the best way to do this.
Make a wellness plan now, so you can enjoy a happy and healthy holiday season. For more information visit flu.gov.
by Denise Visco
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
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
It’s almost Halloween! Costumes are purchased. Decorations are in place and treats are being prepared for visiting trick or treaters. Everything seems in place, but what about our pets? Pets enjoy Halloween too so how do we keep them safe?
Candy, especially chocolate is a significant danger and can be poison to our pets. Chocolate is dangerous for two reasons. First, chocolate contains two chemicals-caffeine and theobromine which are stimulants. Symptoms can begin in 6-12 hours after ingestion. These symptoms can include panting, hyperactivity, increased thirst and urination. High concentrations lead to irregular heart rhythms, seizures, coma, and even death. There are all levels of sensitivity just like in people, some dogs and cats can be sensitive to chocolate and show signs of poisoning from much lesser amounts.
Chocolate is very high in sugar and fat. This could cause mild diarrhea, or more dangerous gastroenteritis, pancreatitis and liver disease from ingestion of large amounts of chocolate. Keep all candy out of the reach of pets and explain to young children that it is not safe to feed candy to dogs and cats.
If your pet is afraid of loud noises or frightened when people come to the door. Speak to your veterinarian about a calming supplement or mild tranquilizer to get your pet through Halloween comfortably. Never do this on your own. Consult a professional as the dose for pets is different than people. Be extremely cautious if your dog or cat goes out and navigates the yard on their own. Don’t leave them unattended on Halloween night. Pets innocently fall victim to Halloween pranks.
Our pets are special to us. Don’t let their safety become less of a priority due to the excitement of the holiday. With some planning, the day can be fun for the entire family. Hopefully, this information will help to provide a safe environment for our pets. Think Safety First and Have a Happy Halloween!
by Denise Visco
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
Are you feeling a little run down? Spending more time indoors and less outside soaking up the sun may leave you vitamin D deficient.
Have a delicious lunch packed with Vitamin D! Vitamin D fuels your body’s T cells, which fight bacteria and viruses. Research shows that nearly half of all people have a D vitamin deficiency by the end of the Winter.
By eating foods high in Vitamin D you will get closer to the 600 IU daily allowance per day. Fatty fish is a good option. 3 oz. of salmon has 479 IU and 3 oz. of canned tuna has 154 IU. Other good sources are milk (1 cup=115-125IU), eggs (1 large with yolk=41IU)and D-fortified orange juice (1 cup=137IU).
Give it a try and see how good you will feel. Soon enough we will get that extra dose from being outside in the sunshine!
by Denise Visco
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.
Winter weather is here and so is the task of driving in snow and ice. Of course, the best advice for driving in bad winter weather is not to drive at all if it can be avoided. This is not always an option so try not to go out until snow plows and sanding trucks have had a chance to do their work. Make sure and allow extra time to reach your destination.
Here are some tips to keep in mind for driving safely on icy roads
- Decrease your speed and leave yourself plenty of room to stop. You should allow at least three times more space than usual between you and the car in front of you.
- Brake gently to avoid skidding. If your wheels start to lock up, ease off the brake.
- Turn on your lights to increase visibility to other motorists.
- Keep your lights and windshield clean.
- Use low gears to keep traction, especially on hills.
- Don’t use cruise control or overdrive on icy roads.
- Be especially careful on bridges, overpasses and infrequently traveled roads which will freeze first. Even at temperatures above freezing, if the conditions are wet, you might encounter ice in shady areas or on exposed roadways like bridges.
- Don’t pass snow plows and sanding trucks. The drivers have limited visibility, and you’re likely to find the road in front of them worse than the road behind them.
- Don’t assume your vehicle can handle all conditions. Even four-wheel drive vehicles can encounter trouble on winter roads.
Try to incorporate some of these tips into your winter driving experience and have a safe winter weather driving season.
For more information on Auto, Home, Business, Life, and Flood insurance, visit our website at www.chedwards.net.
For more helpful insurance tips and information visit us on Facebook at www.facebook.com/chedwardsinsurance
by Denise Visco