October 2016 - Susman
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Keeping Your Home Safe

Our previous blog was about protecting and keeping your children safe on Halloween.  There is something else you need to keep safe as well – your home.  Whether you stay home to hand-out candy or join your kids in the neighborhood, you still need to take steps to keep you home out of harm’s way as much as you can.  It is unfortunate that property crime increases on Halloween, but you can still try to decreases the incidences.

Start by reviewing your insurance.  You want to make sure you are covered in the event of vandalism or burglary – the two mist popular crimes on Halloween.  If something happens, you will want that policy to be updated well in advance.  You also want to review your car insurance policy. If you park your car outside, it is worth it to make sure you are protected from vandalism to your vehicle.

Don’t turn-off all your lights.  Some people do this to let other know they aren’t handing out candy.  Other do it when they leave to take the kids out.  Either way, leave a light and television on to make people think someone is home.  A couple of rings of the doorbell might be annoying, but not as much as a break-in would be.  Yes – break-ins happen all the time on Halloween, because there are so many people walking around that hardly anyone notices what is going on. KEEP LIGHTS ON!

Stay off of social media.  Announcing where you will be and when gives criminals the perfect opportunity to find you or your empty home.

We hope you have a safe and happy night!

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Trick-or-Treat Safety

Halloween will be here in three days. I remember when I was younger, I would count down the days until I would be able to show-off my costume at school and then spend the evening filling a pillowcase with candy from the house around my neighborhood. While Halloween doesn’t seem to be the same huge event as it was during my day, there are still tons of families that celebrate and take their children trick-or-treating. Now, more than ever, it is important to plan ahead and keep you children safe and always have a chaperone.

You can protect your children and allow them to have fun by starting with a safe costume that fits. Make sure it has some sort of reflective capabilities so it can be seen a night – especially by drivers. You always want to opt for face paint over a mask and make sure your child can see clearly. For extra safety, have everyone carry a flashlight.

While walking the neighborhoods, always cross in the appropriate areas and look both ways – multiple times. Make sure kids stay on the sidewalks or walking paths and consider putting a temporary ban on all electronic devices to keep eyes and heads up and alert.

If you opt to drive through the neighborhood, stay off your phone and watch the road. Children can be unpredictable and dart into the street at any time. Go slow and use hazards if needed. Drive on the correct side of the road and avoid blocking any entrances or exits.

It is VERY possible to be safe and have a great time!

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Plan and Prepare

There are numerous ways you can plan, prepare, and do to ensure a long and healthy life.

*Eat healthy – Veggies, fruit, whole grains, lean protein, low fat dairy *Find a physical activity – CrossFit, basketball, football, baseball, running, kickboxing, boot camp, muai thai, MMA or other martial arts, even walking with a friend on a consistent basis). Pick one. *Find your bliss or mix and match – he options are endless. *Put your head in a good place mentally – the power of positive thinking; what you believe you attract *Choose happiness – no matter what life throws at you, choose to find a piece of good in all things

New information is thrown at us daily in regards to ways we can learn about new tricks to staying healthy and living a long life.  However, sometimes, fate steps in and takes the reins for a moment or two, often mangling our plans in extreme ways. There’s nothing you can do to stop the inevitable, but you can plan appropriately. Again, the key word being PLAN.

We know that it is hard for some people to be comfortable with the idea of purchasing life insurance. Knowing the inevitable can still be a hard pill to swallow – but you have to.

You can do everything possible to live a healthy life, but you still have to take the extra steps to protect yourself and more importantly, protect your family.

Life insurance, disability insurance, critical illness insurance (and more) are all polices you should make part of your entire plan. Knowing you are living a healthy life isn’t enough to plan and prepare for the future. Financial planning and protection must be part of your daily health plan as well.

Plan and Prepare
Plan and Prepare

Protected Traveler

Summer is long over and most of our travel and vacations have come to an end.

For now.

Holiday travel is quickly approaching. Some trips might just be a drive down the street, while other holiday travel might take you to another country.

Do you know if you need travel insurance?

Do you know why you need travel insurance?

Travel insurance can minimize financial risks associated with travel – especially out of the country. Often times the minute we leave US soil, health insurance says goodbye and you are on your own if you get sick or injured. Travel insurance can help protect you in instances of accident, illness, missed flights, canceled tours, lost baggage, theft, terrorism, travel-company bankruptcies, emergency evacuation, and getting your body home if you die. For some travelers, getting travel insurance is a no-brainer and something they do for every trip. For others, it is something they pass-up without hesitation, thinking “nothing will happen to me.” This isn’t a scare tactic to force you into getting travel insurance. We just want to educate you on why it might be beneficial. Are you willing to take certain risks when you spent a ton of money on a big trip?

Getting travel insurance through Susman Insurance is easy. You can speak to us directly or get a quote online. All we need to know is your destination, departure date, return date, age of travelers, zip code, trip costs, and the type of product (insurance) you need. EASY!

Everybody loves to travel and deserves the peace of mind knowing that even on vacation, you are protected.

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Increase Productivity

We have all heard the saying “Work Smarter, Not Harder.”

Yeah.  Easier said than done.

We all want to be more productive and more successful, but how do we do that without working a million ours a week and forfeiting a huge chunk (if not all) of our social life?

Maybe these tips will help:

 

Once you have all the information you need, make small decisions in less than 60 seconds

Check email in the afternoon so you protect the peak energy hours of your mornings for your best work.

Set clear, well-defined deadlines for your projects.

Stop waiting for perfect conditions to launch a great project.

Mess creates stress.  Clean out the clutter in your office to get more done.

Say goodbye to the energy vampires in your life (the negative souls who steal your enthusiasm).

Win the battle of the bed- put mind over mattress.

Turn off the TV.

Knock your worst task out first thing, and clear it from your stack of work

Don’t do so many meetings.

Don’t say yes to every request.

Get into your absolute best physical condition – it creates explosive energy and focus

Drink more water.

Delegate.

Stop working overtime.

Use your commute time – listen to books on audio, podcasts and learning programs.

Get things right the first time.

If it’s not absolutely necessary, take it off of your to-do list.

Get lost – don’t be so available to everyone.

At the end of the day, laser in on one final task, finish it, then call it quits.

Review your progress each day and find ways to improve.

Sleep.

 

Productive

Sources:

www.robinsharma.com

www.inc.com

 

 

No More 9-5

Our lives change daily and sometimes super-fast and dramatically. It isn’t as ‘easy’ as it was back in the day. The 9-5 lifestyle of the man working and the woman at home has changed. Yes, it still happens, but it is not as common as it once was. It has become more common for both parents to work outside the home, because of the increase in the cost of living and the need to cover all expenses. Trying to cover basic needs can be overwhelming. Keeping a roof over your head, gas in the car and food in the fridge is a herculean task in itself, let alone trying to afford private school tuition for your kids or paying off college loans or even simply building up the savings account so you can cover unexpected costs like repairs for your car.

Imagine if you didn’t have all the income you needed to cover all your expenses. Imagine of you were suddenly left without the second income – or worse, left without your spouse due to a sudden and unexpected death. The stress of thinking how hard that would be on your loved ones is why we talk so often about the importance of having a life insurance policy that will support your family when you die. There is a lot of comfort in knowing your family won’t have to struggle through a financial mess, that your kids will be taken care of, that your small business will still survive.

There are plenty of options when it comes to your life insurance. We offer a very personalized service – as personalized as you want. Whether you speak to use directly purchase online, we hope you get a life insurance policy sooner rather than later.

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Living a Fulfilling Life

Jody and Dennis tried for a long time to expand their family before finally being able to adopt multiple children. Dennis developed a great relationship with his insurance agent and Jody knew that they had a huge need for life insurance to protect their children. Jody and Dennis chose to live a very fulfilling life, while making the future of their children their number one priority.

Let’s Make A Deal

We are all always on the look-out for the best deals.  From groceries to cars to vacations.  Everyone wants the best product or service at the very best price.  While there are some groups of people that brag about how much they paid for something, there is a larger group that would rather brag about how much they saved.

I fall into that category.  I LOVE to save money, especially on my favorite items.  I wouldn’t call myself a bargain shopper, but I do spend time looking for a deal.  My personal taste ranges from generic to fancy – it just depends on the item.  While I do believe ‘you get what you pay for’ to a certain extent, I also believe I can purchase most of my stuff on a deal.  I have multiple websites I visit before purchasing an item – obviously at the best price I can find.  I constantly search or travel deals and spent almost a month car shopping.  Like I said, I like to save money – oh, but I don’t coupon which is kind of funny.

One of the items I spent time researching is insurance.  I want the best policy, with the best coverage, at the best price – or at least at a price I can afford and fit into my budget.  Isn’t that what we all want?  I don’t recommend just arbitrarily signing -up for the first insurance company and policy that you find online.  Take time to find an agency AND agent that is the right for you and that offers the polices that you need and the coverage that you want.  You are paying to have added protection for the things most important in your life.  While finding the best deal is always something to brag about, so is finding the absolute best insurance.

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“Fall” Into a Policy

Just like that…September is over.

Bring on PUMPKIN TIME!

I LOVE October. The weather finally starts to cool off (a little), the leaves change, and pumpkin foods fill the stores.  Costume and candy time will come at the end of the month, but until then it is all about fall weather and pumpkins for me.  Beside Halloween, it is pretty much the last month of relaxation and mellow time before the holiday frenzy sets in.  It is probably a really good time to create your monthly to-do list and re-prioritize.  The more projects, errands, and such that you complete during October, the less stress you will experience during November and December.  After all, who doesn’t want to feel more focus when planning the holidays and doing all that shopping?

If you didn’t put this on your list at the beginning of September, it is no time to put it at the top of your to-do list for October – IT IS TIME TO GET A LIFE INSURANCE POLICY.

Come on…no more procrastinating or excuses. There is absolutely no reason for you to continue without a policy.  Do it today and get it out of the way.  You will have the rest of the month to work through your remaining to-do list and can do it without the stress of worry about a life insurance policy.

Fall into a Policy
Fall into a Policy