The Northwoods Insurance Corporation https://nwcins.com Independent Insurance Agencies Throughout Western New York Fri, 22 May 2020 16:57:12 +0000 en-US hourly 1 https://wordpress.org/?v=5.4.1 https://secureservercdn.net/50.62.172.232/i4q.303.myftpupload.com/wp-content/uploads/2019/06/cropped-NW_LOGO_Transparent_NW-32x32.png The Northwoods Insurance Corporation https://nwcins.com 32 32 How To Spend Memorial Day Weekend During COVID. https://nwcins.com/2020/05/memorial-day-weekend-2020/?utm_source=rss&utm_medium=rss&utm_campaign=memorial-day-weekend-2020&utm_source=rss&utm_medium=rss&utm_campaign=memorial-day-weekend-2020 https://nwcins.com/2020/05/memorial-day-weekend-2020/#respond Fri, 22 May 2020 16:56:29 +0000 https://nwcins.com/?p=4104 Memorial Day is the time to remember and honor those who gave the ultimate sacrifice for our freedom. It is also used as a day to spend time with family and friends to enjoy the start of the warm weather. However, this year celebrating Memorial Day is going to look pretty different, like just about […]

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Memorial Day is the time to remember and honor those who gave the ultimate sacrifice for our freedom. It is also used as a day to spend time with family and friends to enjoy the start of the warm weather. However, this year celebrating Memorial Day is going to look pretty different, like just about everything else in our lives right now. But just because the weekend will be different doesn’t mean you can’t still have fun. Here are a few ways to spend your weekend.

 

Spend time outside

    1. Go on a bike ride- There are tons of beautiful places to take a bike ride in New York. You could go on a bike trail or you could head into the city to look at some beautiful architecture!
    2. Take a hike- here is a map of all of NYS trails that you can hike!
    3. Have a fire- If you have a fire pit, what better way to end a beautiful day than with a nice fire and roasting marshmallows?

 

Have a BBQ with the people you live with

Having a BBQ on Memorial Day is a classic. Usually, you would invite friends and extended family, but this year that isn’t possible, that doesn’t mean you can’t still have a great time with the people you live with! Fire up the grill and turn up the music and have a great day! (Remember Memorial Day gatherings are limited to 10 people in NYS according to Gov. Cuomo on May 29, 2020, during his daily COVID-19 briefing). If you want to have the best BBQ, learn how to become a grill master here.

 

Watch the Nation Memorial Day Concert on PBS

On Sunday night at 8pm PBS will be hosting a Memorial Day Concert. There will be artists such as Trace Adkins and Sam Elliott! This will be something you won’t want to miss! Learn more here.

 

Take your boat out

If you have a boat spend the day on your boat (this weekend is supposed to be hot and sunny so bring your sunscreen!)- Check out our boating safety tips!

 

Bring the vacay to you

There are usually a lot of people who take a long weekend vacation, but, this year they were canceled. Don’t fret though, whatever your vacation was supposed to be, try to recreate it at home. If you were planning on going to the beach, lay out a beach towel, and spend some time in the sun. If you were planning a trip to D.C to go to the Smithsonian Museums- learn how to take a virtual tour here instead!

 

Whatever you plan on doing this weekend, remember if you do leave your house this weekend wear your face mask and as always practice social distancing so we can continue to stop the spread!

 

Check out our previous articles here!

 

By: L. DiBartolomeo

5/22/2020

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What should you do in quarantine this weekend? https://nwcins.com/2020/04/what-should-you-do-in-quarantine-this-weekend/?utm_source=rss&utm_medium=rss&utm_campaign=what-should-you-do-in-quarantine-this-weekend&utm_source=rss&utm_medium=rss&utm_campaign=what-should-you-do-in-quarantine-this-weekend https://nwcins.com/2020/04/what-should-you-do-in-quarantine-this-weekend/#respond Fri, 24 Apr 2020 20:01:34 +0000 https://nwcins.com/?p=4085 Do you say “I’m bored” about 100 times a day? Have you taken your dog on 6 walks today? Do you scroll on social media for so long you actually hit the bottom of your feed? Do you want to pull your hair out at the mere thought of having another movie night? If this […]

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Do you say “I’m bored” about 100 times a day? Have you taken your dog on 6 walks today? Do you scroll on social media for so long you actually hit the bottom of your feed? Do you want to pull your hair out at the mere thought of having another movie night? If this sounds like you I would keep reading. This is a list of 15 things to do in quarantine with yourself or with your whole family. There are some serious suggestions like going through old mail (yuck) and some fun things like the Quarantine Olympics!

Learn to bake bread (or anything else)

You most likely have everything you need in your kitchen to make an easy loaf of bread. Making a beginner’s loaf of bread is actually easier than most people think! Check out this easy Focaccia bread recipe from Inspired Taste. If you aren’t into bread learn to make homemade pasta or a fun new drink recipe (or both! what else is there to do?)

Clean your closet out

I know cleaning out your closet isn’t the most fun thing…but the seasons are changing, and it is about time to pack up all your winter sweaters. Take a look at our old article 5 Ways to Make Room for Your Fall Clothes. Yes, it’s about fall clothing but it applies to all the seasons!

Quarantine Olympics

You might be asking what are the Quarantine Olympics? The Quarantine Olympics is a series of competitions that your family competes in every day until the end of quarantine and you keep track of the winner every day. It was started by the Presley family in North Carolina and they have been documenting all the games on their TikTok (a social media site). Learn more about the Quarantine Olympics here.

Donate food

If you are fortunate enough to be able to donate to a food bank take a trip to the grocery store ~with your face mask of course~ and buy some non-perishable food. Homeless shelters and food banks have seen over a 90% increase in people coming to get meals since the start of the pandemic.

Take a virtual tour of a museum

If you love the arts or history take a virtual tour of a museum this weekend! Business Traveller compiled a list of popular museums offering free virtual tours right now!

Learn about a new subject

You could dig in and do some research on the topic yourself, listen to a podcast, or instead of watching The Office for the hundredth time on Netflix watch a documentary.

Go through that giant stack of mail

Don’t lie…every house has a massive stack of mail that just gets tossed to the side. Take a half-hour to go through it, you never know what you could have missed.

Crafts with your kids

Craft time is a great way to spend quality time with your kids and to get them off their electronics. However, it is pretty hard to get craft supplies while social distancing. Check out this article by Care.com on craft ideas only using 3 items!

Cancel the subscriptions you don’t use

Whether it is a streaming service, magazines, or your car wash membership. Most people have at least one subscription they never use and still pay for. Take a look at your bank account and see what you could unsubscribe from!

Teach yourself a random useless skill

What better time to learn a useless skill than right now, when you have nothing else to do? It could be anything from juggling to lighting a match with one hand. Take a look at this article to learn some cool but useless skills!

Download Duolingo or similar app

Now is a pretty great time to learn a new language by downloading a free language app like Duolingo! (I’m learning French right now!)

Make a Charcuterie board

If you love charcuterie boards here’s a challenge: make the most beautiful one you can but you can only use items you already have. See what you can come up with!

Try an idea from Pinterest

Pick an idea from one of your dozens of Pinterest boards, attempt to make it, probably fail, try it again.

Spring Clean

If you can manage to get your hands on all the cleaners you need to properly Spring Clean your house do it! Scrub your bathroom, clean out your garage, and wash the outside of your windows!

Make a budget and track it in an Excel Workbook

Many people swear by tracking their budget in an Excel Spreadsheet (or Google Docs Spreadsheet- it’s free!). But, it can be stressful if you are not familiar with the program. There are tons of Youtube videos on how to use a spreadsheet to track your budget like this one! (there’s already tons of free premade templates too!)

Leave a comment on what you are going to try!

 

Check out our article from last week! Ways to help your favorite small business during the Coronavirus

By: Lauren DiBartolomeo

April 24, 2020

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Ways to help your favorite small business during the Coronavirus https://nwcins.com/2020/04/ways-to-help-small-business-during-the-coronavirus/?utm_source=rss&utm_medium=rss&utm_campaign=ways-to-help-small-business-during-the-coronavirus&utm_source=rss&utm_medium=rss&utm_campaign=ways-to-help-small-business-during-the-coronavirus https://nwcins.com/2020/04/ways-to-help-small-business-during-the-coronavirus/#respond Fri, 10 Apr 2020 17:56:51 +0000 https://nwcins.com/?p=4024 As most people know small businesses are struggling due to the Coronavirus. Right now it is extremely important to consciously choose to buy and order from local businesses over big box stores and chain restaurants. If you don’t your favorite café that you would always get your coffee from on the way to work might […]

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As most people know small businesses are struggling due to the Coronavirus. Right now it is extremely important to consciously choose to buy and order from local businesses over big box stores and chain restaurants. If you don’t your favorite café that you would always get your coffee from on the way to work might not be open when this is all over.

Here are a few ways to help out keep small, local businesses open:

 

Buy gift cards

            Many businesses are relying on gift card sales to stay afloat right now. Call your favorite restaurant or shop to buy a gift card. You can save it for later or send it to a friend or family member.

Order online

            Think of your favorite local shop…it could be a jewelry shop or bookstore. Place an order online through them instead of shopping at big box stores.

Get take out/delivery

            Order take out from a local restaurant at least once a week if you can. Many local restaurants have seen a decrease in orders as much as 90% since social distancing has taken place in NYS.

Does your favorite local restaurant also sell merchandise like coffee mugs or t-shirts? Find one you like and order it!

Take an online class

            From workout to art classes there are a lot of small businesses taking advantage of technology to still provide you with their services. Try a new class online right now and you could pick up a new hobby that you will love for years to come!

 

Remember to consciously choose to order and buy local, you could be that business’ only order that day. It is more important than ever to remember that we have to stick together as a community.

Are you a small business that has been adversely affected by COVID-19? Click here to go to the U.S Small Business Administration resource page

 

Check out our article on How To Be Productive While Social Distancing

 

By: Lauren DiBartolomeo

April 10, 2020

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Motorcycle Safety Tips https://nwcins.com/2020/03/motorcycle-safety-tips/?utm_source=rss&utm_medium=rss&utm_campaign=motorcycle-safety-tips&utm_source=rss&utm_medium=rss&utm_campaign=motorcycle-safety-tips https://nwcins.com/2020/03/motorcycle-safety-tips/#respond Mon, 30 Mar 2020 17:51:31 +0000 https://nwcins.com/?p=3973 It’s almost that time of the year to dust off your motorcycle and get back to riding! Whether you’re a new or veteran motorcyclist, it is important to remember motorcycle safety as you get back on the road. Here are a few key motorcycle safety tips!   Wear a helmet with a face shield or […]

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It’s almost that time of the year to dust off your motorcycle and get back to riding! Whether you’re a new or veteran motorcyclist, it is important to remember motorcycle safety as you get back on the road. Here are a few key motorcycle safety tips!

 

Wear a helmet with a face shield or protective eyewear

It is extremely important to wear a helmet and protective eyewear whenever you ride to protect against severe head injuries.

 

Wear appropriate clothing and gear

Wearing the correct protective clothing and gear will help to minimize the injuries resulting from accidents or skidding. The general attire recommended is leather, nonskid boots, and protective gloves.

 

Wear bright or reflective clothing

It is important to be seen while riding, especially in the dark. Wearing bright or reflective clothing will help other drivers to be aware of you on the road and reduce the chance of an accident.

 

Know the rules of the road

Riding a motorcycle is quite different than driving a normal car, so it is important to keep your riding skills honed as time goes on. Be sure to obtain your motorcycle license through a proper education program and keep taking riding courses to keep your riding skills sharp.

 

Watch for road hazards

Be sure to avoid hazards such as potholes, manhole covers, oil slicks, puddles, debris, railroad tracks, and gravel.

 

Ride Defensively

Even if you wear the proper reflective clothing and driving carefully, you should never assume that another driver can see you. Always ride with your headlights on, stay out of other drivers’ blind spots, signal whenever you change lanes or need to turn, and watch for other turning vehicles.

 

Never ride while you’re tired or intoxicated

Not only could you cause harm to yourself, but you could cause harm to others in an accident. Driving drowsy or intoxicated can impair your reflexes, so make sure that you are awake and sober whenever you need to ride.

 

Motorcycle safety is incredibly important, whether you are a rider or simply a driver on the road in general. Keep these tips in mind when hopping back on the road this season. For more information on motorcycle safety, especially for new riders, click here!

Be sure to check out our latest article about staying productive while social distancing here!

By: R. Kubek

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How To Be Productive While Social Distancing https://nwcins.com/2020/03/how-to-be-productive-while-social-distancing/?utm_source=rss&utm_medium=rss&utm_campaign=how-to-be-productive-while-social-distancing&utm_source=rss&utm_medium=rss&utm_campaign=how-to-be-productive-while-social-distancing https://nwcins.com/2020/03/how-to-be-productive-while-social-distancing/#respond Wed, 25 Mar 2020 17:56:12 +0000 https://nwcins.com/?p=3943 As I am sure we are all aware, the best way to stay safe to avoid spreading illness to one another right now is to avoid as much physical contact as possible. In order to do this, it is widely recommended that everyone stays indoors and away from large groups as much as possible. While […]

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As I am sure we are all aware, the best way to stay safe to avoid spreading illness to one another right now is to avoid as much physical contact as possible. In order to do this, it is widely recommended that everyone stays indoors and away from large groups as much as possible. While it can seem boring and unproductive, there are so many things that you can accomplish while “quarantined.” Here are a few ideas on how to make the most of social distancing!

 

Deep clean your house

This might not be the most fun idea, but hey, it probably needs to get done anyway! On another note, its allergy season and minimizing the amount of dust and germs in your house can help you breathe better during your time spent at home. Go ahead and dust each room of your house, vacuum, clean the bathrooms, clean the windows, and clean and put away your laundry, just to name a few. Chances are, you’ll feel better and more motivated if you’re surrounded by a clean house.

 

Organize your closet

Do you have old clothes in the back of your closet that you haven’t worn in 10 years (or have possibly never worn)? Have everyone in your house go through their closets and separate their current clothes from the clothes they will never wear. Then, go ahead and create a donation pile for the less fortunate. You’ll be surprised at how many clothes you don’t need, as well as the extra room you now have in your closet! Just make sure these clothes are lightly to never worn if you plan to donate them.

 

Take up a new hobby

If you have a lot of extra time on your hands while social distancing, take up a hobby that you’ve been meaning to for a while! Whether that means painting, yoga, writing, learning a new language, etc., now is the best time to discover a new passion or talent! It might even be a nice stress reliever for current times, as well as in the future.

 

Go for a run outside

As long as you are not around groups of people, it is actually recommended that you spend some time outside for some fresh air and exercise! This can be especially helpful for those who attend the gym regularly. If it helps, go for runs at the same times and days that you generally go to the gym to keep to your regular routine and help you stay motivated.

 

Create a schedule for yourself

This is especially important if you are working from home. Many concerns/complaints about working from home are that it is difficult to stay motivated and focused, especially with your family members also at home. Go ahead and create a schedule similar to the one that you would have at work normally. This will allow you to maintain your regular rhythm, help you stay motivated and focused, and allow your family members to understand when they need to leave you alone/stay quiet.

 

Set up a clean, productive working space

This goes hand-in-hand for the above tip. Setting up a clean working space for yourself at home will allow you to focus on your work, as it’ll allow for fewer distractions and less clutter. It’ll also help you in your transition from working in an office to working at home if you are struggling with it. If you are working in a separate room, be sure to put a sign on the door to let your family know that you are working and not to bother you. Be sure to also inform them of your work schedule ahead of time, just to be safe.

For more tips on working from home, click here

 

Complete your unfinished home projects

That’s right, it’s time to hang up that picture frame that’s just been sitting on the floor for over a year, waiting to be hung up. Organize your spice cabinet. Clean out the basement. Throw away unneeded clutter. Build that shelf from IKEA that you never got around to building. Not only is it productive, but completing these projects will allow you to be much less stressed once you no longer need to social distance. You’ll also have a lot less on your plate to worry about.

 

As I’m sure you’ve heard over-and-over lately, we’re all in this together. Social distancing can be hard, but we hope you are able to stay motivated, get some work done, and relax as well! We hope you and your families are staying safe and healthy during these difficult times.

 

Be sure to check out our article on how to stay healthy here!

By R. Kubek

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Springtime Flooding Awareness https://nwcins.com/2020/03/springtime-flooding-awareness/?utm_source=rss&utm_medium=rss&utm_campaign=springtime-flooding-awareness&utm_source=rss&utm_medium=rss&utm_campaign=springtime-flooding-awareness https://nwcins.com/2020/03/springtime-flooding-awareness/#respond Wed, 11 Mar 2020 17:47:36 +0000 https://nwcins.com/?p=3884 As the weather becomes increasingly warmer (and fast!), it is important for us to remember that as the snow rapidly melts, it could cause many different types of flooding. Whether this means in your home or in outdoor locations, it is best to be educated to ensure your safety. Here are a few ways flooding […]

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As the weather becomes increasingly warmer (and fast!), it is important for us to remember that as the snow rapidly melts, it could cause many different types of flooding. Whether this means in your home or in outdoor locations, it is best to be educated to ensure your safety. Here are a few ways flooding can occur during springtime!

 

Ice dams

 

If you haven’t heard of an ice dam before, it is “a ridge of ice that forms at the edge of a roof and prevents melting snow (water) from draining off the roof. The water that backs up behind the dam can leak into a home and cause damage to walls, ceilings, insulation and other areas” (University of Minnesota Extension). Essentially, ice dams are a very common result of an extreme change in weather (from very cold to warm). This is because if there are piles of snow on your roof and they melt immediately due to the warm weather, this could cause a great deal of flooding.

To avoid an ice dam on your roof, you can either hire a professional, who can deal with the heat transfer problem, or you could attempt to control the heat within your home. The different temperatures on your roof are a huge factor of why ice dams occur.

To learn more about ice dams and how you can prevent them, click here

 

Urban flooding

 

This type of flooding is common in areas with many buildings and little areas to soak up all of the water, hence “urban flooding.” If you live in an urban area, be sure to be mindful of powerful thunderstorms and potential flooding as a result, as “streets can become similar to rivers with fast-moving water” (Navigator Credit Union).

For more information, click here

 

Ice jams

 

Not to be confused with ice dams, this is when “the upstream part of a river thaws first, [then] ice can be carried downstream to the still frozen part. Then it may pile up and flood the area upstream of the jam” (Navigator Credit Union). This can result in the overflow of rivers onto land and, potentially, bring flooding into nearby homes.

What can you do to protect against the risk of flooding?

Purchase flood insurance

Covering your bases and purchasing flood insurance can be incredibly helpful to be covered. Flooding can happen to anyone and being proactive in purchasing flood insurance is incredibly important, as it could happen before you know it.

If you are looking for flood insurance, be sure to check out our website and request a quote! We’d be happy to help you out, hopefully before any flooding damages your home.

 

Be aware of spring flood risks

 

  • Spring thaw
    • Large amount of snow melt runoff that results in the overflow of bodies of water
  • Spring rains
    • Can bring several inches of precipitation over short period of time. Spring rains can lead to severe flooding by “oversaturating the ground, overfilling storm drains, or causing rivers to spill over their bank or levees” (FEMA).
  • Flash flooding
    • Rapid flooding of lower land that is generally caused by rainfall from a thunderstorm(s). Keep in mind that flash floods can also occur during droughts or drought-like conditions.
  • Levees and dams
    • Designed to protect against flooding. They can erode and weaken over time and may fail during larger floods.

Learn more about spring flood risks here

 

Make sure your sump pump is working

 

As you may know, your sump pump is what helps prevent flooding in your basement (and if you don’t know, it’s the big hole in your basement floor that you may hear vaguely throughout your house as it does its job). It is important to ensure that your sump pump is working, especially before flooding season begins, as it can be considered as your “home’s protector and guardian [and] is also your home’s Achilles heel” (Roto-Rooter). An inactivated pump can result in water flowing into your basement through floor cracks, as well as your overflowing sump crock. Be sure to also install a backup system (or two) to ensure your home’s safety and avoid any damages.

For more sump pump information, or if you need to install a new one in your home, check out this website

 

Practice an emergency plan

 

A flood may not seem like an urgent and serious situation, but they can actually be very dangerous depending on the severity. Practice an emergency plan with your family, much like a fire drill, so that everyone is aware of the proper safety procedure to follow in the case of a severe flood. This may include practicing “flood evacuation routes from home, work, or school that are on higher ground” (FEMA). It may also prove to be helpful to document the belongings of your home that may assist you in filing your flood insurance claims.

 

Find higher ground in the case of a flood

 

Try to find higher ground if you happen to be in the situation of a severe flood. It is recommended to avoid “areas subject to flooding, including dips, low spots, washes, etc.” (FEMA). Try to stay out of the areas that have already flooded, as you could get injured by the quick-moving, storm-like water. Be sure to also avoid driving on flooded roads, as it could pick your car up off the ground and you may be stranded.

 

Keep an eye on the weather

 

Be mindful of the weather in your town and be sure to keep an eye out for any suspicious weather that may cause damage or injury to you or your home. If you see that the weather forecast for the next week and a half is consisting of constant rain, then perhaps begin to prepare for it. Ensure your valuables are taken out of your basement and accounted for (especially for flooding insurance purposes), have an emergency flooding plan, etc.

 

Flooding may not sound inherently dangerous, but it is one of the most underrated natural hazards that can cause a lot of damage to you and your home. Make sure you are educated and aware of your surroundings so that you are able to protect yourself, your family, and your home from potential losses.

Check to see if you live in a flood zone!

Request a quote for flood insurance now!

Check out our latest article: How to Stay Healthy

By: R. Kubek

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How to Prepare for Daylight Savings https://nwcins.com/2020/03/how-to-prepare-for-daylight-savings/?utm_source=rss&utm_medium=rss&utm_campaign=how-to-prepare-for-daylight-savings&utm_source=rss&utm_medium=rss&utm_campaign=how-to-prepare-for-daylight-savings https://nwcins.com/2020/03/how-to-prepare-for-daylight-savings/#respond Mon, 02 Mar 2020 21:50:28 +0000 https://nwcins.com/?p=3873 As we all know, daylight savings time is coming up soon. Losing an hour of sleep/productivity can be disheartening, and you might feel yourself more tired than usual the following morning. We listed a few ways you can better prepare for daylight savings and still make the most of the following day! Get to sleep […]

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As we all know, daylight savings time is coming up soon. Losing an hour of sleep/productivity can be disheartening, and you might feel yourself more tired than usual the following morning. We listed a few ways you can better prepare for daylight savings and still make the most of the following day!

Get to sleep early

We all have busy lives, and sometimes heading to bed earlier than normal may feel like you’re wasting time on being productive. It can actually prove to do you more good to get an extra hour of sleep rather than stay awake and finish up a project, house cleaning, etc. Getting that extra hour of sleep ahead of time will help your body to adjust to the time change, and you’ll be less likely to feel the exhaustion in the morning.

 

Lay out your clothes for the following morning

Right before you go to sleep (early, that is), lay out the clothes you plan to wear in the morning. Not only will this minimize the stress of your morning routine, but save you time while getting ready in case you accidentally wake up late. This can also prove to be especially helpful in case you cannot find a specific piece of clothing that you need and gives you the time you need to find it (instead of rushing around frantically trying to find your other black dress sock).

 

Open your curtains

If you have blackout curtains—or dark curtains in general that tend to block out the light—be sure to open them the night before the time change. This will allow your body to naturally adjust to sunlight, making you more likely to wake up earlier and, potentially, wake up more refreshed.

 

Stay hydrated

Be sure to stay hydrated well before the clock moves forward (and after that, too!). Hydration is important to maintain energy and give yourself the boost you need in the morning, especially with an hour less of time. You’ll also be more likely to stay motivated throughout the day if you are consistently drinking water.

 

Avoid a heavy dinner the previous night

Sure, that monster amount of spaghetti and meatballs with extra parmesan at 11pm sounds incredible; however, eating a large meal at night can result in poor sleep quality. Try eating light snacks instead, as it will take less energy for your body to digest it, which means less broken sleep for you!

For more information on what to eat before bed, check out the article below about what to eat for bed in order to get a good night’s sleep!

What to Eat Before Bed

 

De-clutter your sleeping space

If you have a messy room, chances are you are at least slightly stressed out as soon as you walk into it. Creating a calm and clean sleep environment will allow you to fall asleep with much less stress than viewing your room as a work-in-progress. Keep your room at a cooler temperature so as to not get too overheated throughout the night, as well as quiet—this means no TV while trying to fall asleep (and trust me, you’re not alone).

 

Avoid using electronic devices before bed

Give your eyes time to rest from the harmful blue light that emanates from your phone, tablet, TV, etc. The light from your devices will cause your body to stay awake longer than you planned. It also helps to avoid social media when you get into bed. Social media can become a rabbit hole of mindless scrolling until you find yourself awake at 2am without realizing how late it is.

 

Overall, the takeaway for how to wake up on time and energized is to plan ahead. That one hour of lost time doesn’t have to feel like 3 if you don’t let it. On another note, keeping a similar routine to this throughout the season (and hopefully longer) will assist you in maintaining a healthier sleep schedule. Good luck, and happy daylight savings!

Be sure to check out our latest article about How to Stay Healthy!

 

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How To Stay Healthy https://nwcins.com/2020/02/how-to-stay-healthy/?utm_source=rss&utm_medium=rss&utm_campaign=how-to-stay-healthy&utm_source=rss&utm_medium=rss&utm_campaign=how-to-stay-healthy https://nwcins.com/2020/02/how-to-stay-healthy/#respond Thu, 27 Feb 2020 17:05:44 +0000 https://nwcins.com/?p=3860 Flu season is still going strong. It’s common when one person in your home gets sick the rest of the house will too within a matter of days. Sometimes getting sick is unavoidable, but you can take all precautions to avoid getting the cold or flu. If you are the one that is sick, there’s […]

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Flu season is still going strong. It’s common when one person in your home gets sick the rest of the house will too within a matter of days. Sometimes getting sick is unavoidable, but you can take all precautions to avoid getting the cold or flu. If you are the one that is sick, there’s also a lot of things you can do to keep others healthy.

If someone else is sick:

Wash your hands: Wash your hands frequently with antibacterial soap for at least 20 seconds. If you touch something that was touched by someone sick, wash your hands. If you don’t have access to a sink, use hand sanitizer.

Disinfect, disinfect, and you guessed it, disinfect: Buy a new container of disinfecting wipes when you are picking up those tissues and cough drops! Did you know that some germs can live on surfaces for 2 hours? Make sure that anything that a sick person touched is being disinfected! Things like the TV remote, door handles, faucets, and appliances (fridge and microwave) should be disinfected frequently.

Separate dishes: This is obvious, but, DO. NOT. SHARE. DISHES! Don’t drink out of the same glass or eat off the same plate as your loved ones when they are ill.

Keep toothbrushes away: Keep your toothbrush away from anyone else’s to avoid contamination. When everyone in the house is over their illness, replace all the toothbrushes.

Don’t use the same hand towels: have two hand towels out for the people that are sick and for the ones that are not.

Sleep in different rooms: if your spouse is sick don’t sleep in the same bed as them. Go sleep in the guest bedroom or on the couch.

Don’t touch your face: Avoid spreading the germs on your hands to your eyes or mouth.

Have a sick person free room: keep one germ-free area in your home if possible.

Take care of yourself: If you stay hydrated, eat right, and get enough sleep you are less likely to get sick. It might be hard to do when you have sick kids around but if it is possible doing those small things will help to keep you healthy.

Photo by twinsfisch on Unsplash

If you are sick:

Cover your cough and sneezes: Remember to cover your cough and sneezes with your elbow (never your hands!). Or consider wearing a face mask to avoid the spreading of germs. Learn about how germs are spread through droplet transmission here.

Stay hydrated: Staying hydrated will help you flush your system and get you healthier faster. Keep a water bottle near you at all times and drink from it frequently.

Throw away dirty tissues: Reduce the spreading of germs by throwing your dirty tissues away immediately. Try keeping a small garbage bin or plastic bag near you so you don’t have to keep getting up.

Stay away from others: The best way to keep others around you healthy when you are sick is to stay away from them and rest. Now is the time to lay in bed and binge-watch your favorite shows! Check out this list of 26 best shows to watch on Netflix (February 2020).

Remember the best way to avoid getting sick is to always practice healthy habits such as eating right, taking vitamins, and exercising.

Check out last weeks article: Spring Vacation Travel Tips

 

By: L. DiBartolomeo 2/27/2020

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Spring Vacation Travel Tips https://nwcins.com/2020/02/spring-vacation-travel-tips/?utm_source=rss&utm_medium=rss&utm_campaign=spring-vacation-travel-tips&utm_source=rss&utm_medium=rss&utm_campaign=spring-vacation-travel-tips https://nwcins.com/2020/02/spring-vacation-travel-tips/#respond Fri, 21 Feb 2020 19:15:07 +0000 https://nwcins.com/?p=3848 Planning a vacation and traveling with your children can be stressful if you don’t plan correctly. Your kids are off from school and you’re off from work; you and your family should be enjoying your break and relaxing! In order to maximize your break and spend as much time as possible having fun with your […]

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Planning a vacation and traveling with your children can be stressful if you don’t plan correctly. Your kids are off from school and you’re off from work; you and your family should be enjoying your break and relaxing! In order to maximize your break and spend as much time as possible having fun with your family, here are a few tips to help make your spring vacation stress-free!

 

Keep your children’s ages in mind when planning your vacation

If you’re planning on going to, say, Disneyworld, make sure that your kids would enjoy their full experience here. If your kids are 5+, chances are they would have a lot of fun and you will find a lot for them to do there! However, if you have a child who is 2 years old, they would be too young to ride most of the rides and will most likely not appreciate/remember the experience. On the other end, make sure your vacation is kid-friendly. Sure, going on a week-long beach vacation sounds like a great, relaxing idea, but after about a day, your kids will probably be bored of playing in the water and sand.

 

Do your research

If you haven’t booked your vacation yet because you and your family are still discussing your destination, make sure you do your research! Hotels and resorts may sometimes have discounts for spring break vacations or packages, and it’s best to take advantage of those. If you find a vacation you like, book it ASAP! The prices will most likely go up as you near the date that you would like to go on vacation.

On another note, be sure to research each hotel in the area you would like to go to. Compare prices, rooms, what is included/excluded with your room, what is near your hotel, if there is free parking (if you are driving), etc. Make sure you read reviews for each hotel, as well! You might find a surprisingly cheap hotel that looks beautiful, but if you read the reviews, make sure that it’s not too good to be true (e.g. other guests may have had a bad experience with bed bugs or mold in their room).

 

Learn the location surrounding your hotel

After booking your hotel, make sure you study your surroundings so that you are aware of everything around you. This could mean restaurants, pharmacies, gas stations, Urgent Cares, etc. The more aware you are, the more likely you are to be prepared with any situation. Knowing the location of your hotel and its surroundings is also helpful in case you are walking around and happen to get lost without a map. If you learn the landmarks on a map, you’ll be more likely to find your way quicker (e.g. there’s a Starbucks across the street from the hotel, a Denny’s a few stores down, and a gift shop next to that).

 

Be proactive when packing

While it can be difficult to not pack your entire house in your suitcase, create a checklist and plan out everything you need and may potentially need (within reason) to bring with. You want to make sure you are prepared and not under-packed if a problem arises. If you are going on a beach vacation, be sure to pack sunscreen, aloe vera, and sunglasses. If you have younger children, make sure to pack games or coloring books for the way to your destination; not only will it keep them occupied, but they’ll most likely have fun doing them.

As for packing clothes, plan out your outfit for each day of the vacation so you are not packing your entire closet. Planning your outfits can not only reduce the amount of space used in your suitcase, but it can reduce a lot of stress when putting together an outfit each day. Don’t forget to pack plenty of snacks! If you are out all day long doing different activities the snacks will help both you and your family from getting “hangry”.

 

Make reservations for everything you want to do

It’s better to be safe than sorry, especially while on vacation. Plan out the things you want to do, then make reservations for each of them. You should have one major activity to do each day. It could be anything from jet skiing to going to a museum. This way you make sure you are doing something new each day, but you still have time to do something spontaneous. Make sure to make reservations ASAP, because if it’s a popular attraction, many other people are going to be booking that activity too!

 

Moral of the story? If you plan ahead, pack the essentials (plus a little extra), research your location, and reserve everything that you want to do, you’re golden. Don’t forget: While you want your family to have a great time, it’s your vacation too! Make sure you’re taking the time to enjoy yourself while you’re away. Have fun, and good luck!

 

If you plan to travel by plane, be sure to check out the article below about rules and regulations of TSA to make the dreaded airport go by a little smoother.

TSA Travel Security Information

Check out our latest article below about what factors affect your home insurance costs!

What Affects Your Home Insurance Costs?

By R. Kubek

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What Affects Your Home Insurance Costs? https://nwcins.com/2020/02/what-affects-your-home-insurance-costs/?utm_source=rss&utm_medium=rss&utm_campaign=what-affects-your-home-insurance-costs&utm_source=rss&utm_medium=rss&utm_campaign=what-affects-your-home-insurance-costs https://nwcins.com/2020/02/what-affects-your-home-insurance-costs/#comments Mon, 17 Feb 2020 19:08:10 +0000 https://nwcins.com/?p=3811 When buying a home, or simply living your daily life inside of your own home, there are many factors we fail to consider that may raise the price of your home insurance. There are actions that you can take with many of these factors in order to help lower the cost of your home insurance. […]

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When buying a home, or simply living your daily life inside of your own home, there are many factors we fail to consider that may raise the price of your home insurance. There are actions that you can take with many of these factors in order to help lower the cost of your home insurance. We listed the top factors that may affect your home insurance cost and how to try lowering it!

 

Crime rate in your neighborhood

High crime rate near your neighborhood? Chances are, your home insurance is likely to be raised due to the higher potential of a break in/damage to property. You are more likely to receive a discount if you purchase a home security system.

Click on the link below to find the crime rate in the neighborhood you’re looking to buy a house in (or simply because you are curious of neighborhoods near you!)

Crime Map

 

Credit score

Your credit score, high or low, will most likely reflect your premium. Some companies may give you a discount if you have a high enough credit score, but others might make you pay more if you have a lower score.

 

Deductible amount (too low of a deductible)

Raising your deductible will lower your premium (sometimes by quite a lot). If your deductible is too low, you might end up paying way more in premium costs.

 

Not bundling home and auto

Many companies offer discounts for bundling your policies (such as home and auto). Bundling home and auto generally will lower the price of your premium, depending on the company.

 

Remodeling

If you raise the value of your home by remodeling, be sure your homeowner’s insurance is up to date. Your premium may increase due to the increase of value; however, you want to make sure that you have the insurance to pay for what you just added to your home in the case of a loss.

 

Pools and trampolines (attractive nuisances)

Due to the occurrence of a potential injury, your premium will most likely increase with the addition of a pool, trampoline, treehouse, or other hazards. If you have a pool, fence it in. Fencing in your entire yard might be the best option to add extra security and peace of mind. You may receive lower rates if your insurer sees that your home is safely enclosed with minimal chance of an accident occurring. Keep in mind that if someone is injured at your home using an attractive nuisance, you may be liable whether or not you gave them permission.

 

Age of house, roof, and materials

If you live in an older home, your roof may be more likely to break down or leak from the elements. The replacement costs will raise over time.

 

Home security and safety

Not only will your premium have the likelihood of decreasing, but you will gain peace of mind by owning a home safety system. Even by replacing old locks or installing a monitored home security system may help your premium to decrease.

 

Owning a dog

Keep in mind that if you have a breed of dog with an “aggressive reputation” (e.g. pit bulls, rottweilers, etc.) that your premium rate could be higher (even if he IS a good boy). This actually has a higher impact than many would think.

 

Marital status

Married homeowners generally have lower premium rates as they, in the past, have generally filed less claims. They are seen as less of a risk and the chances of someone being home are higher, meaning there would be someone to call the police in the case of a burglary or fire.

 

Proximity to a fire station or fire hydrant

If you live closer to a fire station or hydrant, your premium will most likely be lower. This is because it would take less time for you to get help in the case of a fire emergency. If you live further, more damage will virtually be done by the time that help arrives.

 

These are just a few ways that your home insurance can be affected. Keep these in mind while you shop for a new home or, if you are already a homeowner, find something that you can do in order to lower your current premium. Good luck!

Be sure to check out our latest article What to get Him or Her for Valentine’s Day

By: R. Kubek

 

 

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