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Fixer Upper

Looking to spend a portion of your summer vacation making improvements and updates to your home?  While  you are going to incur additional expenses regardless, there are many ways you can make inexpensive renovations to your kitchen.

1. Reorganize! Drawers, cupboards, and counter space – they could all use some good organization and clean-up. It is free and decluttering always helps relieve stress!

2. Update! Give your kitchen walls an instant update with a fresh coat of paint or adding some nice framed photos and artwork.

3. Shop for the best deal and replace your oven hood with a shiny new one! This can make a huge difference in your kitchen.

4. While you are at it, replace your old faucets with shiny new ones as well.

5.  Invest in some lamps, new light fixture, or better light bulbs.

6.  Sometimes replacing knobs and h andles make a bigger impact the replacing the cabinetry all together.  You can opt for a cheaper version and re-staining the cabinets for a new look.

7. Update the backsplash by creating a new one or using adhesive tiles over your existing one to create a new design.

Just remember – whether it is a small update or a complete remodel overhaul, make sure you speak to your insurance agent and update your home owners policy.  You don’t want all your hard work to be unprotected!

 

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NOW!

I have about a 30+ mile commute to work. I know, for many people, the commute is much longer.
I have no choice but to take the highway – a highway that only has a few exits between my home and the office. That means if there is a car accident or road construction, I am stuck in st andstill traffic for what feels like an eternity before I can even attempt to find another option. It sucks. What makes it worse in the number of AWFUL car accidents I witness each week.
Recently I had a major scare. It was easily the closest I have come in a long time to getting in a serious car accident.

I watched a pick-up truck cut across two lanes of highway traffic, barely miss the front of a semi-truck, and hit the side of another vehicle, which made them both spin out and l and in the median. The car in front of me almost hit the semi-truck when trying to stop and as I pumped my brakes, the car behind me squealed off to the shoulder to avoid rear-ending my car. The car that got hit by the pick-up truck was in the median, but its front end was sticking out on the highway. I was only about a foot away from hitting that car. It all happened in a flash and was nothing short of scary. My heart was racing and my h ands shaking. This was the fast version of the story, but an event that had a major impact on me. This is another situation where in just a quick moment, EVERYTHING can change.

It is SO important to be as prepared as possible. Stop procrastinating and contact us today. You NEED a good car insurance. You need health insurance. You need a life insurance policy and you NEED it NOW!

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Don’t Be Afraid

Don’t be afraid! Getting Life Insurance is NOT scary!

Stop worrying. Just fill-out the form to get a quote.

Do Something. Doing nothing and avoiding it only causes problems.

We just need a little bit of information to get you started. We aren’t asking for a sample of your DNA or the use of your first born child. We just want to know a little bit about you so we can help YOU find the coverage and policy that best fits your needs.

We don’t ask a bunch of unnecessary questions. Topics that aren’t our business don’t apply. We aren’t nosey. Promise.

Again, we are only here to help.

Worried about being denied? Don’t be. We work hard to get you approved.

Scared about the results of a medical exam? Don’t be.

We specialize in finding policies for all unique situations. Besides, how do you know if you will be accepted if you don’t try in the first place.

We are unlike any other insurance company. To be honest, we think we are the best! We are straightforward and professional, but very friendly and personal. We underst and that no two situations are alike and treat each new client as a st and-alone case. No comparisons or judgments.

We just wanted to offer you the assistance with purchasing a life insurance policy that you haven’t experienced with another agent.

Don’t be afraid to contact us!

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All Choked Up

I have had the unfortunate ‘pleasure’ of experiencing numerous surgeries during my life thus far. None of them have been fun and all of them have been painful. I am grateful that each and every surgery served their purpose, but I am still counting the days with a HUGE smile on my face since the last time I had a surgery – this is the longest I have gone without! (knock on wood)

During one of the procedures, the anesthetic wore off too soon and I woke while still being operated on. Believe me, it was as much of a shock to me as it was to the surgery team. I freaked and yanked the breathing tube from my throat and caused a ton of damage to my esophagus. So now, I choke a lot. The biggest culprit – peanut M&Ms. I love that delicious treat, but almost like clockwork when I eat them I choke. Bad. I takes a good slam to the back to get it out and then hours for my eyes to stop watering and throat to stop hurting. I should stop eating them, but that has yet to happen.

Like EVERYONE, I still take part in activities that I know I shouldn’t and that put me at a greater risk for injury or illness. It is stupid and reckless, but they taste SO good!

That goodness I have almost every type of insurance coverage on myself possible…

Now, where are my M&Ms?

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Long Live YOU

When was the last time you had a physical, a medical exam or blood work? Your body is the most precious personal gift you own and you want to last as long as possible, right? Well, why not get the insurance coverage you need, so you can stay healthy and live longer.

If you are planning to buy your first home, or have a baby, you need to plan ahead. Life may throw you a few curve balls, you may not see coming, but you will be prepared when they arrive. Nevertheless, your insurance company may offer you lower premiums, more medical benefits and better coverage. Not having the right insurance is just as stressful as not having any insurance. You need to have the right insurance and combine it with living a healthy lifestyle.

Get a regular checkup, keep all doctor and dental appointments, avoid eating foods that are high in sugar and fat content, and put down the remote control, get out of the E-Z boy and jog down the street a few times a week. \

Just like you planned your wedding, your engagement, your anniversary and your baby shower, put the same precise planning to use when you are looking for health and life insurance. You deserve to live life to the fullest without any worry.

Put aside the pride, go to the gym, and watch a health fanatic workout. It might inspire you to appreciate the finer things in life, that money cannot buy, good health, peace of mind, and longevity.
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Too Unique

Last night I went to a concert at a new venue in Vegas . It was loud, smoky, and full of numerous interesting people. By interesting, I mean people that choose very eclectic and unique ways to present themselves to the public. I am ALL for people being unique and forging their own way, but I laughed to myself looking around at everyone who was trying to be so unique with different clothing and hairstyles and in the end, they all looked the same. I think that being unique is no longer unique. It feels at times that people try so hard to be different, but all they are doing is copying somebody else’s unique choices. There is nothing individual about that. Sure, it is okay to find things that other people like and follow suit. It is okay to be part of current trends. However, life for everyone would be so much more enriching and full of more fulfilling experiences if every once in a while people really did choose to be unique and follow the road less traveled. Having said all that, there are a few things in life that we ALL should do – pay taxes, contribute to society, get a life insurance policy. You can still be an individual and be unique, while you so love and provide protection for your family.
Avoiding getting any of the insurance that you need doesn’t make unique. It makes you irresponsible. Be unique by doing the right thing for your family and providing the protection they need.
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Refresh. Renew.

It is time to renew!

Within the next couple of months, I will be renewing my car insurance, health insurance, lease, driver’s license, and cable television. It is crazy that when I first sign-up for something, it seems like expirations and renewals are SO far off in the future that I don’t really need to worry about it. In actuality, with how fast time goes by and how bust my life is. I almost have to start saving and planning for the costs of renewals and the time it takes to makes sure everything processes correctly, the day after I either sign-up to begin with or do a renewal.

For something simple like my driver’s license, I know that it is just a quick picture, fee, and I am done. It is something I need and have to have. It doesn’t require review or changes on my part. However, I always take the time to review my car insurance and health insurance coverage every time I have to renew. Not only do the policies, rules, and regulations change, but sometimes so does the coverage for what I was originally paying. I don’t want to be stuck without proper coverage.

Last year I started using my health insurance renewal period as the time of year that I also review my life insurance policy. Just like everything else, I want to make sure it fits with my current needs and lifestyle.

Double-check your life insurance policy. Is it current for your life? Does in need updating?

Time to make changes and renew…
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One-way Rollercoaster

Life can be like a rollercoaster- full of ups and downs, corkscrews, high speeds and maybe even some motion sickness. There are times when all of us feel like we don’t matter as much as we should or even that we are undeserving of certain things.

No matter how many sudden drops you are thrown over, no matter how many sharp turns at high speeds lie ahead, no matter how motion sick life events you may make you feel, you should never question yourself. You deserve an amazing life and you deserve to protect yourself and your loved ones.

By protection, we mean Life Insurance. People often think they don’t need to bother with life insurance, because of their lack of husb and/wife or lack of children. Others think they don’t need life insurance, because they are young, healthy, and think they are invincible. Some people don’t think they can get affordable life insurance, because they’re elderly or have a pre-existing/current medical issue. Some people think they don’t need life insurance because they think they are financially set for the future with a simple retirement plan.

If you fall into any of those categories, please underst and that we are being honest when we tell you that YOU ARE WRONG.
No matter what you do in life, no matter what your age or job title or health history, your life is valuable and is worth protecting. Life is only a one-way ticket on the rollercoaster ride. Make sure you have all areas of it covered and protected.
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Celebrate the Ones You Love

Cinco de Mayo was yesterday and boy did I eat my fair share of tacos! To tell you the truth, the 5th of May has absolutely nothing to do with how many tacos I eat. They are a part of my regular diet! YUM! Like many people, I like to use Cinco de Mayo and other holidays as a time make special arrangements to meet-up with friends, families, and loved ones to celebrate, eat food, laugh, and spend a little extra time together that we don’t regularly get to have.

Look at the beautiful loved ones that surround you during special occasions. There isn’t anything you wouldn’t do for them, right?
Take a look back at the pictures from other holiday gatherings. Birthdays. Thanksgiving. Christmas. 4th of July.
Look at the smiles and happy c andid expressions.

Recall your favorite moments.
It’s hard not to imagine happier times.
Think about how much love and support you give to and receive from these people.
They are your lifeline.
Now imagine if there was a sudden change of events – an accident, a death.
Would these people be able to h andle your final expenses?
How does it make you feel knowing that your debts could become their responsibility?
Are you willing to impose such a financial burden?

Those statements aren’t meant to rain on the celebration parade, but rather be statements of reality. Knowing you have purchased a life insurance policy that covers your debts, takes care of final expenses, and provided future financial stability will make you breathe easier and worry less. It will give you peace of mind and allow you to enjoy the special moments knowing you have done right by your loved ones. Now is the time to contact Susman Insurance and let them assist you in making one of the most important decisions of your life.
Have you done it yet?

Come on…the sooner you do, the sooner you can really relax and enjoy another taco…or whatever.
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