Ar
e you confident that your loved ones would have financial security if you were to die today? If not, consider purchasing life insurance. It pays a death benefit to your loved ones when you die, and it provides peace of mind and financial security to your survivors. Smoking, however, can limit your ability to afford life insurance.
Life Insurance is Based on Risk
Insurance companies offer a variety of policies, but they reserve the right to adjust rates based on risk factors. If you smoke or engage in other behavior that’s considered high-risk or unhealthy, expect to pay more for coverage.
Why is Smoking a Risk?
Whether you’ve smoked for years or recently picked up the habit, life insurance companies see you as high-risk. They base their perspective on two factors.
- Smoking increases potentially fatal health issues like cancer, heart disease, emphysema, chronic obstructive pulmonary disease (COPD) and asthma.
- Smoking is the leading cause of premature death in the U.S. How Much More do Smokers Pay?
Every policy is different, but on average, smokers can expect to pay around 15 percent more for life insurance. So, if a non-smoker with a similar demographic and health pays $50 per month, a smoker could pay as much as $57.50.
Is There an Affordable Solution?
Before you give up on finding affordable life insurance, shop around. Your insurance agent can assist you in finding the most affordable life insurance premium.
Additionally, remember that insurance companies factor in how long you’ve smoked and how much you smoke. While their preferred rates may not go into effect until you’ve been nicotine-free for 12 or more months, you can start maintaining a smoke-free lifestyle now by enrolling in a smoking cessation program.
You may also find affordable premium rates if you bundle your life insurance with other policies like health, home and auto.
Talk to your insurance agent today. Find the most affordable life insurance policy for you, and give your loved ones financial peace of mind.
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Playing outside isn’t just for kids. It has tons of benefits for adults. One of the unexpected ones may be that it can lead to lower life insurance rates. It’s not always easy to make yourself go outside and exercise, but knowing that the effort can keep you healthy and save you money can be enough for you get off the couch. The more fun you have exercising, the better the results will be.
Benefits of Exercise
Exercise burns calories and improves your health. Since life insurance rates are based on your health risk factors, regular physical activity can help lower your life insurance rates. These are some of the benefits of exercise.
* Lower risk for heart disease and stroke.
* Lower blood pressure.
* Lower blood sugar levels and risk for diabetes.
* Stronger bones.
* Better mood.
* Clearer mind.
Make a Commitment to Exercise
Set aside some time to exercise most days of the week. Aim for 30 to 60 minutes, but even 10 minutes is better than nothing. The trick is to find some activities that you love, and any activity that is fun and gets you moving is a good choice. These are some options.
* Walk, jog, bike, swim laps, or hike.
* Join a local sports league. On the days your league doesn’t meet, train for your sport by doing drills, lifting weights, and getting in some cardio.
* Take Zumba, boot camp or kickboxing in the park.
* Go surfing.
Take Advantage of Your Kids!
If you have children, they’re probably a significant reason why you have life insurance in the first place. Why not use them to help you get in shape? They’ll keep you laughing while you exercise.
* Play Tag, Follow the Leader, or Hide-and-Seek with younger children.
* Play catch, shoot hoops, or kick a soccer ball with older children.
* Walk around the field at your children’s sports practices, and run to chase any stray balls.
Everyone can find an activity that they love as long as they keep searching for it. Keeping yourself in shape will give you more energy and can keep your life insurance rates down.
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31st Annual Mother’s Day Run for Shelter
Pajaro Valley Shelter Services Benefit Fundraiser
Where: Ramsay Park, 1301 Main Street, Watsonville
When: Sunday May 10, 2015
First race starts at 7:45 am – see race times below
Online Race Registration: http://tinyurl.com/oepnnoh
Or call: 831 728-5649 x107
Download 2015_Walk-Run_Registration
RACE INFORMATION
Registration: Race day registration and bib pick-up starts at 7:00 AM, Sunday, May 10th 2015. Course closes at 10:15. Bibs are not transferable. Registration fees are non-transferable & non-refundable. For online registration go to Fees: Registration Form required for EACH participant.
- 10K Run & 5K Run/Walk – $35 for individuals (1 T-shirt) Registrations after Thursday, May 7, 2014: $45
- 10K Run & 5K Run/Walk – $115 per family of four, max. 2 adults Registrations after Thursday, May 7, 2015: $125
- 1K Kid’s Fun Run – $10 per child under 12 (no T-shirt) With T-shirt: $20 Registrations after Thursday, May 7, 2015 add $5
Race Start Times:
- 1K Kid’s Fun Run @ 7:45am
- 5K Walk @ 8:00am
- 5K Run @ 8:00am
- 10K Run @ 8:45am
COURSE CLOSES AT 10:00 am
- Course: The course is certified: computerized time results will be announced & on the web site
- All runs and walks start and end at Ramsay Park. Run and walk courses are different this year. Course maps available at www.pvshelter.org
- Features: Event T-shirt included in the fee (except Kid’s Fun Run); T-SHIRTS AVAILABLE FOR FIRST 600 RUNNERS WHO REGISTER; Roses for the moms; Goody bags with goodies; Refreshments and water; music
- Awards: 10K Run & 5K Run/Walk – Medals for 1st, 2nd, 3rd places, male/female per 5-year age division; plus gift certs for the overall male and female place first placers in 10K and 5K.
- 1K Kid’s Fun Run – all youth receive accomplishment medals, 3-year age divisions. Kids’ Awards 8:30-8:45.
Want to contribute to PVSS- BECOME A SPONSOR!
THE EVENT
Entering its the 31ST consecutive year, the Mother’s Day Run for Shelter will bring nearly 600 participants and 100 businesses, plus crowds of spectators together to raise a goal of $100,000 in support of services to homeless families in our community. Sponsors have the ability to market to almost 800 enthusiastic runners and supporters.
“The Mother’s Day Run is one of the most prominent events in Watsonville!”
SPONSORSHIP OPPORTUNITIES AND BENEFITS
Download sponsorship packet
- Sponsoring the race provides your business with the wonderful opportunity to reach new customers and build a brand that promotes healthy living, outdoor fun and care for the community.
- Increase visibility and brand awareness through Mother’s Day Run for Shelter promotions.
- Employees will feel good about your company.
- Your business will further connect with community.
- It’s tax deductible!
LAST YEAR’S RACE NUMBERS
- 540 registered runners plus a huge crowd of supporters cheering them on!
- 84 sponsors had their information shared with our community.
- Sponsors included Graniterock, Bay Federal Credit Union, S. Martinelli & Company and Union Bank
- Some racers travelled from 11 countries and 6 states
- The race raised $64,700 to support Pajaro Valley Shelter Services’ mission to end homelessness in our community.
Pajaro Valley Shelter Services presents the 31st Annual Mother’s Day Run/Walk for Shelter on Sunday, May 10th at Ramsay Park in Watsonville and will include a 10K Run, 5K Run/Walk and a 1K Kids’ Fun Run. Goodies include t-shirts, roses for mothers, medals for winners, continental breakfast and a live DJ. This year, families with strollers will be allowed in the event. For 31 years, the community of Watsonville has supported PV Shelter’s Mother’s Day Run to ensure the continuation of services for homeless families. The first race was held in 1984 and raised $8,000. with a small crowd in attendance. This year we expect over 600 people to help raise $100,000!
This well-loved event can be enjoyed by attendees of all ages and skill levelS, from the competitive runners to the weekend joggers to families who want to walk together. Starting and ending in Ramsay Park, the race route is a beautiful trek around Watsonville’s slough trails. Start your Mother’s Day off by joining the community in supporting the end of homelessness for mothers, their children and families in South County. The first race starts at 7:45 and the entire event ends at 10:00 am just in time to enjoy the rest of Mother’s Day.
“The Mother’s Day Run has become a tradition. For many, there are three generations who do the run/walk together, and then go to brunch afterwards. It’s a great family tradition –to help end homelessness on Mother’s Day.” PVSS Executive Director, Kimberly Ferm
Community Support
PV Shelter has the recipe for successfully changing the lives of families experiencing homelessness, by giving them the tools to help themselves. The Mother’s Day Run for Shelter is PV Shelter’s biggest fundraising event. The Race/Walk is an opportunity for the community to partner with PV Shelter to raise funds, so we can continue our mission of promoting self-sufficiency and changing the lives of families experiencing homelessness.
About Pajaro Valley Shelter Services: About Pajaro Valley Shelter Services:
Since 1983, Pajaro Valley Shelter Services has helped women, children, and families end the causes and cycles of homelessness. PVSS currently serves and helps house 80 families annually, while they complete a program to overcome financial barriers, and develop goals, skills and attitudes necessary to move on to stable housing and improved personal and economic self-sufficiency. Serving Santa Cruz County and focusing on Watsonville and Pajaro Valley, PVSS owns and operates an Emergency Shelter (for women and children), a Shelter Annex (for families with males over the age of twelve), thirteen units of Transitional Housing, and four units of Long-Term Supportive Housing. Participants learn how to manage money, obtain employment, housing, care for themselves and their children, and more.
Source: http://pvshelter.org/
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One of the best things about living in California is the gorgeous climate. It makes getting out and enjoying the outdoors an everyday occurrence. Considering how much water is available to residents in the state, combining your outdoor adventures with a boat, jet ski or wave runner brings a whole new level of fun to your life. Before you make arrangements to put your watercraft to good use, though, you need to make sure that you are covered in the event of an accident.
California Watercraft Laws
Each person who is on board a watercraft must be wearing a life jacket that has been approved by the Coast Guard. The approved types are Types I, II, III and V. Operating a personal watercraft such as a jet ski is prohibited between sunset and sunrise even if the craft is outfitted with the correct navigational lights. Only individuals that are aged 16 and older can operate a boat that is more than 15 horsepower unsupervised. Children between the ages of 12 and 15 can do so under the direct supervision of a person who is over the age of 18. There are also specific stipulations against negligent and unsafe behavior while operating a watercraft.
Insuring Your Watercraft
It is safe to assume that you need specialized insurance for your watercraft before you take it out to play. Rather than simply purchasing a cookie cutter insurance plan, however, work closely with your insurance agent to craft a customized insurance package that meets your unique needs. In most cases, this insurance plan will include liability in case you accidentally damage someone else’s property or cause injury to another person. Collusion and comprehensive insurance is also a standard addition and protects your own boat and other watercraft in the event that it is damaged.
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Taking your fun off road ratchets up the fun quotient considerably. There is nothing quite like the thrill of hitting the rugged trails and backwoods roads in your ATV or dirt bike. Keep the fun flowing all year round by making sure that you have the right insurance before you head out on your favorite recreational vehicle.
Don’t Make Insurance Assumptions
The last thing you want to do is assume that your current insurance will cover any mishaps that might occur involving your ATV or dirt bike. The reality is that this is not likely to be the case. In nearly all instances, your homeowners’ insurance and auto insurance will not cover any damages incurred by or to your off road recreational vehicles. For example, if you wreck your ATV on your own property, it is not likely that your homeowners insurance will pay for it.
Taking Your Recreational Vehicles out in Public
California is blessed with a gorgeous climate and many different types of terrain. Taking your dirt bike or ATV to one of the many recreational areas that exists within the state adds variety to your hobby time while also giving you much needed space to test your speed and agility. Before you make plans to do so, though, you need to make sure that you have the necessary insurance as required by California.
Specialized Insurance for Specialized Equipment
Speaking with your insurance company about your ATVs and dirt bikes can help them craft a unique insurance plan for you. This plan will provide you with the liability, collusion and comprehensive insurance that covers any issue that might arise while you are enjoying your hobby.
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11 years ago
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by
Shawna Kreis ·
Comments Off on Employee Advocacy: How to target and recruit the right employees
Employees are more than just a warm body in your office. Being able to target and recruit the right ones not only makes your life run more smoothly, they actively bring your company closer to the goals you have set for it. There are three top priorities you need to keep in mind when you need to find an employee to fit your next job vacancy.
1. Position Criteria
The first step to finding the right employee is to know exactly what skills and knowledge you want them to bring to your organization. You also need to determine if this criteria can be obtained with experience, schooling or both. Consider the culture of your company and those attributes that successful employees must have to fit in there.
2. Recruitment Methods
These days, in order to obtain a diverse pool of applicants, you will likely need to advertise utilizing a variety of methods. While newspaper ads have fallen out of favor somewhat due to the rise in popularity of the internet, consider posting your job opening in a variety of different media outlets to capture the attention of as many qualified job seekers as possible.
3. Make Your Job Posting Count
Your job posting is the critical bridge that helps you connect with the right applicants. Partly an advertisement for your business and partly a laundry list of attributes you want the perfect job applicant to possess, your job posting needs to include key information. This includes items such as the opportunities that are available for applicants, what you expect from the person who fills the job opening and a synopsis of your company’s goals.
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