Renting a house saves you big bucks on vacation since it’s usually cheaper per night than a hotel. Plus, you have amenities like a washer and dryer, kitchen, full bath and maybe even a large backyard. That doesn’t mean, though, that your vacation home is perfect. Like any home, it’s susceptible to thieves, weather damage or other problems.
You might want to invest in insurance coverage as you rent a vacation home this summer.
Make Sure the Landlord has Property Insurance
You don’t plan to go on vacation and have a terrible time, but accidents, bad weather and mistakes happen. Who will pay the bill if the home’s rotted stair railing fails and sends you tumbling off the steps and into the ER? Can you afford to replace an antique vase you or one of your kids accidentally breaks?
In most cases, the landlord’s insurance will cover these accidents. Always ask if the home is covered before you sign a rental agreement, though, to ensure you’re not left covering the bill that should be the vacation home owner’s responsibility.
Make Sure you Have Insurance
Most homeowner and renters insurance policies cover your belongings if they’re lost, stolen or damaged. This coverage applies whether you’re in your home, at school or at vacation.
It’s a good idea to double check your policy before you travel. Add additional coverage if necessary to ensure you are indeed covered for every possible scenario. Ensure the policy is current and paid in full, too. You don’t want to file a claim while on vacation and discover that your coverage lapsed.
Renting a house can be an affordable, comfortable and fun part of your next vacation. Before you sign a lease agreement, make sure the home and your possessions are insured. The peace of mind helps you truly relax and unwind no matter where your vacation takes you.
Labor Day is coming soon — which means that you might have children who will be heading off, or back, to college soon. Together with the many lifestyle changes that they (and you) will be making in this time of transition, remember that it’s also important to give your insurance a tune-up.
A recent industry report recommends considering these types of insurance when Johnny or Sally leaves the nest:
- Auto: Your family coverage will cost less if your student doesn’t take a car. Also, if your child keeps a B average or higher, you might receive a discount.
- Housing: If the child happens to live in a dormitory, your Homeowners insurance might protect them.
- Health: Your child is eligible to receive health benefits through your plan — as long as they’re unmarried, remain in school full time, and are younger than 26 (under the Affordable Care Act) Once they exceed this age, you’ll need to obtain coverage for them from your employer.
These are general guidelines, so please consult with us to make sure you have the right protection at the best possible price. Even if your child already is at school, give us a call and we can make adjustments if needed.
Do you live within five miles of your workplace like half of all American workers? If so, the 20-minute ride one way burns 3,000 calories and provides key health benefits you’ll appreciate.
Boost Your Energy
Instead of waking up with coffee, tea or energy drinks, ride your bike. A recent study found that a low to moderately paced bike ride releases endorphins that boost your energy level by up to 20 percent and decrease your fatigue by 65 percent. That’s a big wake up call.
Increase Your Heart’s Health
Ride at a moderate to high intensity speed for 30 minutes at least three times a week, and watch your cholesterol and blood pressure drop in one year. You can easily achieve this goal simply by riding the long way home.
Protect Your Joints
Riding your bike is one low-impact exercise that’s perfect if you have joint conditions or leg, ankle, knee or hip injuries. If your knees aren’t bent at a 25-degree angle on your down pedal stroke, ask your bike shop professional for a saddle adjustment.
Improve Your Mental Health
There’s no denying that work and even daily life can be mentally challenging. Use your bicycling commute to regulate your emotions, combat depression and anxiety, prepare for the day or unwind after the day and improve your overall mental health.
Tone Your Muscles
Want to tone your arms, thighs and calves for summer? Riding a bike tones muscles you didn’t even know you had. The pedaling works your lower body, and you’ll tone your triceps and core by pedaling uphill while standing.
Boost Your Immune System
Exercise and fresh air support a healthy immune system. Plus, your body will be stronger and better able to fight germs inside and outside of the office.
Are you ready to jump on your bike and ride to work? Today and every day, gain healthy benefits and have fun simply by cycling. For additional tips on way to stay healthy, talk to your health insurance agent.
To be compliant by January 2020, California employers that have 5 or more employees must complete the mandatory training for employees.
Some highlights –
- Part-time, temporary and independent contractors MUST be included in the count of employees.
- Managers need at least 2 hours of training.
- At least one hour of training for non-managerial employees.
- Training must occur within 6 months of hire or promotion to managerial position.
- New businesses with 5 or more employees have 6 months to comply.
- Training can be individual or group based.
Read more at CDA.org
Vacation season at the office means your motivation plummets. After all, you want to be at the ocean, on an exotic adventure or relaxing at home, too, instead of working. Rather than allow your vacationing coworkers to rob you of your productivity, try four tips that keep you motivated at work all summer.
1. Wake Up in a Good Mood
Maybe you aren’t waking up in an island paradise, but you can use your morning routine to put you in a good mood for the day.
*Brew an exotic coffee flavor and enjoy it on the patio.
*Spend a few extra minutes meditating and mentally preparing yourself for the day.
*Eat a balanced diet with protein, whole grain and fruit.
*Count your blessings. You aren’t on vacation, but you do have a job.
*Wear your favorite color each day so that you feel confident and upbeat.
2. Boost Your Resume
When coworkers go on vacation, your workload may increase. You could focus on the inconvenience of doing extra work or see the responsibility as a resume booster. All that extra work increases your career experience and marketability today and in the future.
3. Focus on Your Paycheck
While your coworkers are spending money on vacation, you can make extra money by working overtime. Then, use the cash you make to fund your own vacation later in the year, repay debt or buy tropical slushies on your lunch break.
4. Build Office Rapport
With less people in the office, you can really get to know your fellow coworkers. The rapport you build increases your motivation, productivity and reputation during summer vacation season and year round. So, buy donuts and fruit to share for breakfast or invite someone you don’t know very well to lunch.
Summer vacation season can either bust your motivation or boost your career. Instead of moaning about work, look for ways to stay motivated and take advantage of your coworkers’ vacations.
Fourth of July fireworks, parades and cookouts are a time for you to relax with family and friends. As you plan your celebration this year, take several steps to ensure safety for everyone involved in celebrating the United States’ birthday.
Use Fireworks Safely
Public fireworks displays are the safest way to enjoy the beautiful colors and terrific booms of this July 4th tradition, especially when you maintain a distance of at least 500 feet between you and the show. Firework displays at home can be fun though too. If you go that route, take these precautions.
- Follow the instructions on the packaging.
- Never allow children to play with the fireworks.
- Stock a fire extinguisher or water supply nearby.
- Wear eye protection when lighting fireworks.
- Remove flammable materials from the area.
- Never point fireworks toward people, animals, vehicles or structures.
- Properly dispose of duds rather than trying to relight them.
- Take Precautions While Grilling
Burgers, hot dogs, fruit and pizza taste delicious when they’re grilled. Grab your favorite side dishes and follow a few precautions that ensure you and your guests grill safely.
- Always supervise the grill when it’s in use.
- Never grill indoors or in a fully enclosed area such as a garage or tent.
- Use lighter fluid sparingly and never after the coals are ignited.
- Keep children and pets away from the hot grill.
- Remove flammable objects, including trees, from near the grill.
- Use long-handled tools to handle food.
- Stay Safe on the Beach
Swimming is a fun summer activity, and it’s good exercise. At the beach, lake, public pool or backyard pool, stay safe with these tips.
- Swim only in designated areas.
- Obey the lifeguard and all posted signs.
- Swim sober.
- Get out of the water during a storm or if you hear thunder or see lightening.
- Require children to wear life jackets.
- Don’t dive into shallow water.
- Wear Sun Bathing Protection
Picnics are part of many July 4th celebrations. You should also take these protective measures.
- Wear sunscreen that’s at least 15 SPF.
- Remember to apply sunscreen to your ears, hair part and the tops of your feet.
- Avoid direct sunlight between 10 a.m. and 4 p.m. when the UV rays are strongest.
- Reapply sunscreen every two to three hours or more frequently if you’re sweating.
- Drink plenty of water even if you’re not thirsty.
- Wear a hat, sunglasses and long sleeves if you have to be in direct sunlight.
- Watch for signs of heat stroke, including hot, red skin, shallow breathing and rapid, weak pulse.
Your July 4th celebration will be safe when you take these steps.