Winter Car Care Tips

Photo: OpenRoad Auto Group

The holiday season is usually a bright spot in what is typically a cold, gray, dreary time of year. Now that the hustle and bustle of Christmas and New Year’s is over, unfortunately we still have a few months of cold, gray, and dreary weather to get through!

Winter can definitely be a tough season, and the harsh elements can take a toll on both your home and vehicle (especially your vehicle) if you don’t do some preventive maintenance first.  There are a few simple steps you can take to get your vehicle road-ready for winter driving.

Install winter wiper blades. If you’ve never had winter wiper blades before, you’ll notice a difference the first time you use them. They’re heavier than regular blades and contain a special rubber portion on them that keeps ice from collecting. Like regular blades, make sure you buy a set of winter blades that are the right fit for the size and shape of your windshield so they work properly.

Check your tires. Most vehicles come with all-weather tires, but some older models still need to have the tires switched over to the winter ones. According to the PepBoys’ corporate website, winter tires are made of soft rubber that won’t harden in the cold, and their tread is typically deeper, which give them a better grip and allow them to pass through snow easier. And don’t forget to check your tire pressure! Cold weather can cause the pressure to decrease slightly, which can impact how well your tires handle winter driving. Check your pressure regularly throughout the winter and fill them as needed.

Keep your wiper fluid full. Anyone who has driven in a full-fledged winter storm knows how quickly the visibility can change. Your wiper blades work overtime on these occasions, and at the same time, you likely use quite a bit of your fluid. Check your wiper fluid well often—there’s nothing worse than driving in poor conditions and not being able to see, and as a bonus, having a splattered windshield and nothing to clean it with! It’s wise to keep some extra fluid in your car, as well.  Be sure to use all-season fluid so it doesn’t freeze in the line (note that “summer” fluid will freeze once the temperature drops below 32 degrees F).

Check your brakes. Sailing over a patch of black ice is not the best time to discover your car needs new brakes. If they’ve been showing signs of wear and tear or you’re nearly pushing the brake pedal to the floor, don’t wait to take your vehicle in for service. You don’t want to take any chances with your vehicle when driving in winter weather, so winter is not a good time to put off any kind of vehicle maintenance.

Pack an emergency kit. Winter can be unpredictable at best, and you never know when you might be stuck on the road for an extended amount of time. Be prepared with an emergency kit for your car. It should include blankets, at least one extra set of clothing, candles, extra cell phone charger, nonperishable food (protein bars and/or trail mix work great), road flares (in case your vehicle is in distress), first aid kit, flashlight and extra batteries, jumper cables, and bottled water.

Being proactive with preparing your vehicle both inside and out will go a long way towards staying safe on the roads this winter. But the best way to protect yourself and your car is to watch the weather forecasts and don’t go out if you don’t have to!

How to Prevent Common Holiday Fire Hazards

Photo: Budget Direct

As the song says, in many ways the holiday season really is “the most wonderful time of the year”. But in other ways, it can be the most dangerous time of year.  The important thing is to be cautious so your celebrations are more “wonderful” than “dangerous”.

The holiday season may not seem like a peak time for house fires, but the truth is, nearly 47,000 fires occur during this time, according to the American Red Cross’ website. Below, we look at a few common holiday fire hazards and how to prevent them.

Real trees. It’s just not Christmas without a tree but keeping a live one healthy takes work.  Place your tree in the center of the room, away from drafty windows and at least three feet away from a heat source. Water the tree daily (if not more) to keep it hydrated. (Dry trees are a major safety risk.) A real tree should be tossed right after Christmas or when it becomes dry.

Candles. Candles are widely used in many secular and religious holiday traditions and celebrations, and their increased usage means they’re a bigger potential fire hazard. To minimize the risk, never decorate your tree with candles or open flames. Keep lit candles a safe distance from Christmas trees, decorations, drafty windows (and window treatments like curtains or draperies), and heat sources like portable heaters and radiators. Always extinguish lit candles before leaving your home or going to bed.

Lights and decorations. String lights and other decor add a festive touch to our homes both inside and out, but look at each item before using it. Never use lights with frayed cords (and replace any burned out bulbs if possible). Check lights, ornaments, and other decorations for broken pieces or sharp edges—while not a fire hazard, per se, you don’t want your holiday gathering to end with a trip to the emergency room because of a nasty cut.

Fireplaces and portable heat sources. Just like candles, fireplaces and other heat sources (space heaters, pellet stoves) tend to be used more this time of year. Keep decorations and other flammable items (such as table linens) away from these heat sources. According to the National Fire Protection Association’s website, 42% of decoration fires start because decorations are placed too close to a heat source. Monitor your heat and fuel levels and extinguish everything properly before leaving your house or going to bed.

Keep your holidays memorable for all the right reasons. Follow the above tips or visit nfpa.org to learn more about keeping your home safe this season and all year round.

Five Ways to Prevent Package Theft This Holiday Season

Many of us shop online all year round, but there is a definite uptick during the holidays. Consumers love the convenience, but one major downfall to online shopping is the increased risk of package theft, also called “porch piracy”. A 2016 survey conducted by the home security company Ring.com found that nearly 20 percent of homeowners reported having a package stolen within the previous year.

Protect yourself from package theft by following these few simple tips:

               -- If possible, have packages delivered to your workplace so they are actually in your hands.
  
               --Utilize your home security system’s cameras. Keep them turned on anytime you and your family are away from home so you can track the activity at your house.

    --Instruct drivers to leave packages at another location. According to statistics on Ring.com’s website, 73% of homeowners have packages dropped off at the front door, so this is the most obvious location for a thief to look. Both FedEx and UPS have apps that allow you to choose where you’d like your packages delivered, so take advantage and choose an alternative drop-off location, such as at your back door or with a trusted neighbor.      
      

         --Sign up for delivery alerts. Most e-commerce sites will notify you when your package ships and give you an expected delivery date. If you know when your package is arriving, you can rearrange your schedule so you or a family member can get home and take the package inside so it’s not sitting on the porch for hours.

       --Request a signature for your deliveries. This might be the most inconvenient option, especially if you and your family are out of the house all day, but most delivery companies offer extended hours during the holiday season.  You can choose to get your package dropped off in the evening or on a weekend to ensure you’ll be home to sign for it.

The holiday season can be stressful enough—you shouldn’t have to worry about potential package thieves.  Besides the tips listed above, ask your neighbors to look out for any suspicious vehicles or individuals in your neighborhood so everyone’s property and belongings stay safe.  

ETA Insurance Group is a local, independent insurance agency that works with over 50 carriers. We offer a full line of insurance products for all your needs, from home and auto to health, life, and Medicare. As independent agents we can shop around to find you the best coverage for your needs and your budget.  

Holiday Safety Hazards for Your Pets

Our pets are part of our family, so it’s only natural that we’d want them involved in our family holiday celebrations. But some of the holiday items and customs that are second nature to us can be hazardous, even deadly, to our pets. Below are a few of the most common holiday safety hazards for our four-legged friends and how to avoid them:

Christmas decorations. Decorating our homes both inside and out is one of the best parts of the season. And no home is complete without a Christmas tree. But both can be dangerous for your pets. Cats often love to play with tinsel, but if it’s ingested, it can get stuck in their digestive tract and require emergency surgery to remove it. Trees are another potential hazard. Some cats love to climb; make sure your tree is secure in the stand so your kitty doesn’t knock it over. Many dogs are also drawn to tree water.  Remember to add fresh water regularly so it’s not sitting and stagnating. Standing water can be a breeding ground for bacteria, which could make your dog very sick. Broken lights or ornaments can cut or burn your pet’s paws or digestive tract if they play with or swallow them. Artificial trees are much less work and can look just as majestic as a real tree; they’re also safer for pets.

Plants. Holiday plants add that festive touch to our homes throughout the season, but unfortunately, most of the prettiest ones are also the most dangerous for pets. Holly and mistletoe can cause gastrointestinal problems (mistletoe can also cause cardiovascular distress). Poinsettias are poisonous. Play it safe and decorate using artificial plants.

Electrical cords and lights. Keep all electrical gadgets out of your pet’s reach. Cords can cause electrical burns if the animal chews on them.

Candy and sweets. We like to overindulge during the holiday season, but allowing our pets to do the same is a bad idea. Chocolate is toxic to dogs and cats and should be completely off-limits. Baked goods in general are often too rich for pets, and some artificial sweeteners can cause liver failure and other health problems. If you’re not sure if a sweet treat is potentially harmful, play it safe and don’t give it to your pet at all. (Many of us often slip table scraps to our pets—keep in mind foods like onions, raisins, and grapes are toxic to dogs and cats and should be avoided).

Potpourri. We love to make our homes smell festive and welcoming, but many home fragrances can be dangerous or deadly for pets. Liquid potpourri can be caustic due to the essential oils and detergents in them, and the regular bagged variety can cause digestive problems if swallowed. Keep all home fragrances out of your pets’ reach, or find alternatives that make your home smell nice but are safer for your pets.

Guests can be another potential safety risk for your pet. Put your dog or cat in another area of the house, preferably a quiet room, if they're nervous or skittish around strangers and you're having guests over. 

The American Veterinary Medical Association website has lots of great information about how to keep your pet safe this holiday season.

How to Have a Fun, Safe Holiday Party

Photo: Westbay Management

There are plenty of things to look forward to during the holidays—beautiful music, decorating your house both inside and out, and just being with your nearest and dearest, whether it’s at an informal get-together or a black-tie holiday gala.

No matter how you choose to celebrate, you want to keep both your guests and your property safe. Below are a few tips to host a fun, safe gathering.

Make it family-friendly.  It’s not easy for everyone to get a sitter. Alleviate some of the pressure on your guests by inviting the kids along, too.  Have activities for the little ones, like a holiday-themed craft, movie marathon, and some games. Designate one or two responsible teenagers to oversee the activities so both the kids and adults can enjoy the night.

Suggest a potluck. If you’re on a budget, a potluck meal is your best option. If you’re having a traditional dinner, as host you’d be responsible for the main course and your guests can bring the side dishes. Or if you’re laying out a buffet, make one or two dishes and ask your guests to bring the other items (including paper goods).  

Choose a theme. Theme parties can make planning much easier because the food, décor, and dress code are all tied together.  Ugly Christmas sweater parties have been the big trend around the holidays for the past few years, but other trends are starting to catch on. One is a “vintage” Christmas party, where guests bring dishes right out of their mother’s or grandmother’s cookbooks from the 1960’s or 1970’s (and don’t forget to dress accordingly!) Another trend is a crafting party (or “Santa’s Workshop party”, if you will), where you and your guests create and decorate wreaths, ornaments, and package toppers (if not the packages themselves) for yourself and everyone on your list.  

Serve both alcoholic and non-alcoholic beverages. Not every guest will want to imbibe, so take that into consideration when planning your drink menu. Have a variety of food and beverage options so none of your guests feel uncomfortable or pressured to drink.

Be a responsible host.  Hosting an event is a lot of work. It falls on you to keep all food, drinks, and supplies stocked, guests mingling, and the night flowing smoothly.  It’s not always easy, but your most important job by far is keeping your guests safe. If it looks as though some of your guests have had a little too much, offer to drive them home, call one of their friends or family members to give them a ride, or ask another guest to take them home.

The holidays are definitely a time to celebrate, but if you’re planning to host a party this year, help your guests celebrate responsibly.

Are there any other tips you’d add to our list? We’d love to hear from you in the comments below!

National Stress Awareness Day: Tips for Relieving Stress

November 7 is National Stress Awareness Day.  But if you’re living with chronic stress, you’re already aware of it. Stress can cause a wide range of health problems, from physical conditions like weight loss or gain, high blood pressure, and sleep disorders, to mental conditions like anxiety and depression. It can impact every area of your life, and although you probably can’t eliminate it from your life completely, it’s important to find healthy ways to live with it. 

Photo: Success Under Pressure

Below are a few tips to help manage your stress:

Learn to say “No”. One of the single biggest stressors for most people is simply taking on too much, whether at work, home, or volunteering in the community.  As the saying goes, “If you want something done, ask a busy person”, but even people with jam-packed calendars should take a break from doing it all now and then. Saying “no” doesn’t come naturally at first, but the more you say it (and you can be selective—many of us just like keeping busy), the easier it becomes! Giving yourself some time to relax and recharge is healthy…and necessary for your overall well-being!

Practice good time management skills. Remember the panic you felt as a kid when you waited too long to do a homework project that had been assigned several weeks earlier? And maybe you were up until midnight or later the night before the project was due, scrambling to finish? If you were that kid, unless you develop better time management skills, that feeling won’t go away when you’re an adult. Get yourself a calendar and keep it updated. Refer to it often. Virtually every type of device out there has a calendar, so there’s really no reason not to keep track of bill payments, social events, appointments, and various lists.

Exercise regularly. Between work and family, your spare time is likely limited. But taking care of your physical health is important for keeping your stress level in check. Just taking a brisk walk around the block a few times a week can help keep your weight down and burn off excess nervous energy. If you have more time, try to fit in a few regular sessions at the gym or take up a hobby with a physical component, like running or hiking.

Get enough sleep. It can be a vicious cycle—if you’re stressed about something, it often keeps you up at night. Lack of sleep causes you to feel sluggish, cranky, and just not feeling your best, so you can’t tackle the problem weighing on your mind very efficiently.  If you have trouble sleeping or just unwinding after a stressful day, try reading (preferably something not work-related), keeping your mobile device in another room so you’re not tempted to check messages or scroll through social media every few minutes, or jotting down some thoughts in a journal. Regular journaling is a great way to get your inner thoughts and worries down on paper and ease some of your mental burden.

Practice yoga, meditation, or another relaxing activity. Yoga and meditation are effective ways to manage stress because they both require focus and concentration on something other than the worries on your mind. Meditation is the practice of sitting quietly and focusing on your breath; yoga is an ancient practice incorporating physical, mental, and spiritual components that focus on breathing and includes a series of stretches and controlled movements.  

Make a regular habit out of managing your stress. It’s easy to get overwhelmed by the many demands on our time; you’ll be surprised how much better you’ll feel if you make a conscious effort to reduce or eliminate some of your major stressors.

Why a Home Fire Evacuation Plan is Important

October 7-13, 2018, is Fire Prevention Week, which is the perfect opportunity to practice (or devise) a fire evacuation plan for your household.

A fire can be devastating, easily causing thousands of dollars in property damage, not to mention the lasting physical, emotional or psychological effects it can have on a family. An evacuation plan can help everyone in the house understand what to do and where to go if a fire breaks out. You may not be able to save your home or all the contents, but if you have a plan in place, you significantly increase the odds of getting all family members out safely. Remember—timing is everything, as you may literally only have a few minutes to get out.

The National Fire Protection Association (NFPA) is a great resource for developing an evacuation plan for your home. According to an NFPA study, only one of every three households in America has developed and utilized a fire evacuation plan. Every member of your family should be involved in creating one for your home and understand how to use it. Below are some general fire safety tips:

• Make sure your home has smoke detectors in every bedroom, kitchen (away from the stove), and living room—ideally every floor in your home should have at least one smoke detector.
• Encourage everyone to know two ways out of every room in the house.
• Designate a meeting place in front of your house for everyone to gather when they leave the house.
• Test your smoke detectors at least twice a year (a good rule of thumb is to test them when the clocks are changed during Daylight Savings Time).
• Once your escape plan is developed, test its effectiveness with a drill once or twice a year—once at night and once during the day.
• If your smoke detector does go off, leave immediately and don’t go back in for any reason. You may not make it out a second time.
• Call the fire department from a safe space outside your home.

Practicing good fire safety is everyone’s responsibility. It only takes a few minutes to develop a plan that could prevent a tragedy.

Most homeowners' insurance includes coverage for loss or damage related to fire. You can also purchase fire insurance for additional protection. This extra coverage helps with the costs of repair, replacement, or reconstruction of property above and beyond what your homeowners' policy covers. 

Five Reasons to Buy Life Insurance

Unlike car or homeowners’ insurance, life insurance is one of those coverages that keeps getting moved further and further down the priority list. And that’s a shame, because life insurance can give both financial and emotional peace of mind to the insured’s family upon their death. While it may not be the most uplifting purchase you’ll ever make, in the long term, it could be one of the best.

If you’ve thought about buying life insurance but haven’t purchased a policy, below are five reasons why life insurance is a wise investment:

Pay for final expenses. Despite what you might hear or read on social media, GoFundMe is not life insurance. Rather than relying on the generosity of others to pay for your final expenses, why not take the initiative and pay for them yourself with the proceeds from your life insurance? There are many levels of coverage available; your agent can work with you to find a policy that best meets your needs.

Supplement your family’s income. If you’re part of a two-income household, losing one income would mean tightening up the household budget. But if you’re the sole earner for your family, the loss of that income due to your passing would be devastating. Life insurance can help make up some of the financial loss.

Pay for your child(ren)’s education. Many parents use the deceased insured’s life insurance proceeds to open a savings or 529 account to be used for their child(ren)’s higher education plans.

Charitable donations. If the insured was involved in a local organization or there was a cause especially important to them, you can still make contributions to that organization using some of the proceeds. Depending on the gift you wish to make or number of causes you wish to support, you may need to meet with a financial planner to make sure the funds are distributed according to the deceased’s wishes.

Continue a family business. Instead of selling the company that likely took years to build, life insurance proceeds can be used to offset business expenses, such as buying new equipment, upgrading or buying a new building, or expanding in other ways.

Life insurance is one of the best investments you can make in your family’s financial future. No one wants to think about the inevitable, but knowing your family’s needs can still be met after your passing can be very reassuring.

Campus Safety Tips for College Students

Photo: Pinterest

As a new college student, you’re dealing with a lot of “firsts”—probably your first time away from home for more than a few days, your first time being on your own and having real control over your schedule, your first time meeting new people (students and faculty) who are different from your friends, classmates, and teachers in high school. College is also likely the first time you’re really looking out for yourself—both your physical safety and personal property. Even if you’re going to a small school in a tight-knit community, you always want to make your safety and well-being a top priority.

Below are a few basic ways you and your belongings can stay safe on campus.

Walk in well-lit areas. Obviously, you’ll have to leave your room and walk around campus for a variety of reasons. If you’re coming back to your dorm after dark, stay in lighted areas and/or walk with at least one other student if you can.

Check in with your roommate(s). You’ll likely have a different class or social schedule from your roommate, so you may not see each other regularly.  But you should always let someone know your whereabouts if you’re leaving your room. At one time, students left messages for each other on white boards on their dorm room doors (low tech, but effective!). Text messages and other forms of instant communication have come along since, and with everyone connected at all times, it seems, there’s really no reason to not let your roommate know where you are (and vice versa).

Protect your possessions. Always lock your door when you leave your room, and encourage your roommate to do the same. Even if you have friends on the same floor or in the same building, don’t leave yourself open to potential theft. And never, ever leave your bag unattended. Think about it—you’re carrying around textbooks and electronics worth a few thousand dollars. It would be a shame to call Mom and Dad and explain your bag was stolen while you were in the dining hall or library. Some campus buildings, like the dining hall or bookstore, require students to leave their bags outside and provide storage carrels for this purpose.

Create a personal inventory. A personal inventory is a list of your most valuable possessions. If you’re keeping costly electronics or sports equipment in your dorm, you should have a list of these items should you ever have to make a claim because they were lost, stolen, or damaged. Contact your insurance agent to see if they have an inventory template you can use, otherwise you can download one. Some insurance carriers even have apps that allow you to catalog your belongings instantly.

Ask your parents if their homeowners’ insurance policy extends to your on-campus housing in the dorm. If it does, this means you (or your parents) can file a claim in case something from your room is lost, stolen, or damaged.

College is great—the time in your life to learn more about yourself and your interests, and develop some independence and personal responsibility. Make the most of it, and do it safely!

Preparing Your Pet for a Move

Photo: thesprucepets.com

Moving is one of the most stressful life events you’ll ever experience.  New beginnings can be exciting, but there’s a lot of work to do before you even get close to the new beginning! From choosing a new home to downsizing and packing your belongings to saying goodbye to your old neighborhood—not to mention the actual move itself…the stressors are endless.  Some of us try to limit how many times we relocate simply to avoid the stress!

But you’re not alone. Your pet is picking up on your stress, too.  They’re affected by the move and will need a period of adjustment, just like you and your family. Luckily, there are a few ways you can make the change a little easier for everyone.

Like most pet owners, you probably considered your pet’s needs when you were looking at homes. Whether you have a large dog who needs a spacious back

yard for running and playing or a cat who’s content to perch on top of cabinets or bookshelves, you should assess their needs just as much as any other family member’s. Fortunately, animals are resilient and should adjust to their new surroundings in a few days—a few weeks at most—but you can still try to make the transition itself as smooth as possible.

Get your pet used to being in a crate for long stretches of time.  If your pet normally has the run of your house and only crated for the occasional vet visit, they probably won’t like their period of confinement. If you’re driving to your new home, your car is likely packed with your belongings (not to mention the rest of your family) so you can’t let your pet enjoy the same freedom they would at home. Crating them is the best solution.  Plan frequent stops so your pet can come out of their crate for a short time and take care of business.

When you get to your new home, the experts at the ASPCA recommend you do some pet-proofing—tuck away electrical cords, secure window screens, and remove any stray insect repellants or traps the previous owners may have left behind.

Rather than give your pet the entire house to explore, the ASPCA pros suggest introducing them to the house slowly, perhaps room by room, so they don’t get overwhelmed (or worse, lost—remember, you’re still learning your way around, too!)

Change is never easy, but to new circumstances is usually easier if you can take things one step at a time. Your pet is the same way.

Have you ever moved with a pet? What was your experience? We’d love to hear from you in the comments below!  

How to Get (and Keep!) Kids Reading This Summer

What kid doesn’t love summer vacation—almost three months of free time, not having to get up early, and, best of all, no homework!  These relaxed days are great, but they can have a negative impact on kids’ reading skills, which could set them back when they return to school this fall. There’s even a name for it—the “summer slump.”

But don’t worry. There are lots of ways to encourage kids to keep reading through the lazy days of summer.  If it helps, remind them that summer is a great time for them to read what they actually want to read (so comic books and graphic novels are OK!), and not just something assigned by a teacher, with a quiz to follow.  This fact all by itself might encourage them to put down the gaming control and pick up a book. But if they’re not so easily convinced, some of these other ideas might work:

Sign them up for story time or a reading group.  Libraries are a real life saver for parents during the summer. They usually hold several programs all year long, but step up their programming even more during summer break. Take advantage of them. Young kids usually love story time, which often includes a story and some type of story-related craft, and a snack.  Some libraries have book clubs or reading groups for older kids, where their selections can run the gamut from. graphic novels to the latest middle grade or YA release. This is a great way for kids to stay in contact over the summer, meet new friends, and discuss what they liked or didn’t like about a certain book.

Choose a book to read and discuss together. You and your child probably have those few favorite books that you read together over and over again; or, choose one that you can both agree on. Something like The Book Thief, which is technically a young adult novel but easily appeals to adults, or a classic like Charlotte’s Web, 20,000 Leagues Under the Sea, or of course, any of the popular series, like Harry Potter, The Hunger Games, Percy Jackson, or The Princess Diaries, which gives you quite a few books to talk about!

Read together every night. Stories are a staple of most bedtime routines, and one of the most rewarding habits you can develop in your child. Whether it’s a simple book that teaches the basics like counting, colors, or the alphabet, a board book with bright illustrations, or a longer picture book, reading together will quickly become a favorite nighttime activity for both parents and children.

Read the book version of a favorite movie and compare the two. Kids love their movies, and fortunately, some of the most popular releases are based on books.  From the recent versions of Jurassic World and Peter Rabbit to classics like Mary Poppins and Charlie and the Chocolate Factory, or something in between like the Diary of a Wimpy Kid series, ask the helpful staff at your local library for recommendations of films adapted from books to keep your child reading all summer—the time will fly by!

How do you keep kids reading during the summer? We’d love to hear from you in the comments below!

Great Reasons to Unplug and Get Outside

Photo: Lifewire.com

If you’re like most of us, your wireless device is practically attached to your body. Did you ever stop to think how many times you look at your phone every day? Not necessarily doing anything on it, like checking email, hopping on social media, or playing a game…just looking at it. A recent study completed by Deloitte found that the average American checks their phone (yes, just looks at it) an average of 46 times a day—collectively, that’s 8 billion times a day.  

Just think about that for a minute.

Smartphones and other devices have become ingrained in our everyday lives, but taking a break from them now and then is good for our overall health. So now that summer is here and there’s plenty of daylight, see what a difference it makes when you look away from your screen and get outside for a few hours. If you need more convincing, below are a few reasons why getting outside is good for you:

Vitamin D. Too much sun exposure can be harmful, but getting some outside time actually helps your body produce vitamin D, an essential element for good bone and muscle health. A vitamin D deficiency can lead to a number of long-term health problems, including heart disease, cognitive impairment in older adults, and even cancer.  

Stress reliever. Plain old fresh air and sunshine can help lower your blood pressure, and doing some sort of outdoor activity, like taking a walk or working in a garden, is a good form of exercise. Have you ever gotten angry over something you saw on social media? Do you really want to add more stress to your life? You might be surprised how much taking a break from social media or curbing your screen time can help reduce your stress level.

Reconnect with nature, friends, and family. Summer is the perfect time for gatherings with friends and family, whether it’s a picnic or party for a special occasion (like graduation or July 4), and actually talk to other people in person rather than texting or messaging.  But you don’t need a reason to go outside—grab a book (a real book, not an e-reader), a beverage, and hang out on your front porch or back deck or patio and simply watch the world go by. We get so consumed with doing something every minute, or being accessible and knowing what’s going on at all times, sometimes the best thing we can do is unplug, do nothing, and take some time for ourselves.

How do you keep your e-addiction in check?  We’d love to hear from you in the comments below!

Fun Facts About the Fourth of July

Most of us think July 4^th is a day just for relaxing and unwinding with friends and family at barbecues and picnics (and lighting fireworks, of course). But as we all know (or should!), July 4, 1776 is recognized as the day the Declaration of Independence was adopted by the Second Continental Congress—in other words, it’s the United States’ birthday!  Although the U.S. is over 200 years old, July 4 has only been a federal holiday since 1870—nearly 100 years after the U.S. declared its independence and became its own country.

In honor of everyone’s favorite summer holiday and the U.S.’ birthday, below are a few facts about the Fourth:

Two of the U.S.’ most famous founding fathers, John Adams and Thomas Jefferson, died on the same day—July 4, 1826.

Of the 56 signers of the Declaration of Independence (representing all 13 colonies), only John Hancock signed it on July 4, 1776. The others all signed later.

Philadelphia held the first Independence Day celebration on July 8, 1776. The crowd was summoned by the ringing of the Liberty Bell, and during the event, the Declaration of Independence was publicly read for the first time.

Fireworks are a longtime staple of July 4^th celebrations.  They were first authorized by Congress for July 4, 1777. The American Pyrotechnics Association (APA) estimates that more than 14,000 fireworks displays are set off each year.      

Picnics are another long-held July 4 tradition, and what’s a picnic without hot dogs? Americans consume approximately 155 million hot dogs on July 4 every year.

Taking hot dog consumption to a different level, Nathan’s Famous Hot Dogs in Coney Island holds an International Hot Dog Eating Contest every July 4.  Competitive eater Joey Chestnut has won 10 contests. In 2017 he ate 72 hot dogs in 10 minutes. Women’s winner Miki Sudo downed 41 dogs in 10 minutes.

How do you celebrate July 4^th? We’d love to hear from you in the comments below!

Fourth of July Safety Tips for Pets

July 4^th is a great time to get together with friends and family for picnics, barbecues, camp outs, and of course, fireworks. 

But not everyone is a fan of the light shows and noise that come with July 4^th festivities.  Pets are especially sensitive, and as a pet owner, take a few minutes to make your four-legged friend comfortable before you head out to your holiday event. After all, they’ll be home without you for comfort, so take the necessary steps to make them feel secure while you’re away.

Below are a few pet safety precautions from the ASPCA’s website to keep in mind this July 4^th:

• If you’re planning to set off fireworks at a backyard picnic, make sure your pet is in a safe room inside the house to minimize their exposure to the sound.
• Do not set off any fireworks near pets.
• Make sure your pets are wearing their ID tags in case they escape during a fireworks display.
• Never leave alcoholic drinks unattended around pets. (Alcohol can be poisonous!)
• Do not apply sunscreen to your pet unless it’s specifically labeled safe for pets.
• Keep citronella candles, tiki torch oils, and other outdoor flammables away from your pets. The sweet fragrance of the citronella might entice them, but ingesting these items can cause severe gastrointestinal problems, if not death.

According to Petfinder.com, more pets go missing on July 4 than any other day of the year.  We all love our pets and like to spend time with them, but risking their health and safety is a risk we shouldn’t take just for a backyard celebration. Instead of exposing them to harmful chemicals or bothersome noise, do the right thing for your pet—keep them inside and away from the crowd.

What other pet safety tips would you add? We’d love to hear from you in the comments below!

How to Choose a Wedding Photographer

Planning a wedding is a huge undertaking, with a long list of tasks that need to be accomplished before, during, and after the big day. You’ll be speaking with several vendors for the various aspects of your wedding, from florists to cake designers to DJs. For many couples, the wedding photographer is one of the most important professionals you’ll hire for the event.

Unlike the food, which will be eaten and quite frankly forgotten, and the dress, which will likely never be worn again, your wedding photos are a lasting reminder of one of the biggest days of your life, and you want to look your best and most radiant self in every shot. This is why it’s important to take the time to find the right photographer who understands what you want and can capture both the big, celebratory moments and smaller, more meaningful moments that make your wedding day so special.

If you’re getting married in the near future, ask recently-married friends and family for referrals. Newlyweds who were thrilled with their wedding photos will be happy to give you the name of who they used. When you have a short list, hop online and start browsing their websites. Do any of the photographers’ styles mesh with yours? If you don’t have a specific style in mind, will the photographer offer helpful suggestions and ideas for shots?

Contact the photographers whose photos you like most and request an in-person meeting so you can learn more about each other. The photographer will likely bring additional samples so you can get a better idea of their style and photo possibilities. Also, don’t hesitate to ask them for references. Below are some additional questions to ask each photographer you speak with:

•          Do you have the date available? (A surprisingly obvious question that many couples forget to ask!)
•          How far in advance do we need to book you?
•          How many weddings have you photographed? Any similar in size or style to mine?
•          What is your pricing? If the event is delayed or runs longer, will you stay, and will we be charged extra?
•          What kind of equipment do you use?
•          What’s your shooting style? (Do they prefer ‘posed’ or more informal shots?)
•          Do you shoot black and white photos, as well?
•          Will you be shooting the wedding? (If not, could you meet the photographer who will be?) Will you have an assistant?
•          Can I give you a list of shots we’d definitely like to do?
•          Why should I hire you over other photographers in the area?
•          (If your wedding isn’t local) Do you charge a travel fee?
•          Have you ever shot weddings at our venue before?
•          Have you ever worked with our DJ/florist/videographer/event planner before?
•          Do you customize the photo packages?
•          How long after the wedding can we expect the proofs?
•          Do you offer retouching services? What is your pricing?
•          What is your ordering process?
•          Will you give me the images/proofs on a disk? Is there an additional fee?

Make sure you receive a written contract from the photographer you choose. Review it carefully and make sure it includes all the terms and conditions you discussed during your interview.

Ultimately, it comes down to a mutual comfort level. Did the photographer address your concerns and answer your questions to your satisfaction? Photos are one of the most special mementos of a couple’s wedding day, and you want to make sure you hire a professional who can make you look your best and capture the specialness of the entire experience.

How did you choose your wedding photographer? We’d love to hear from you in the comments below!

Choosing the Best Pool for Your Home

Summertime means barbecues, plenty of time outside, and both lounging by and cooling off in the water. For some families, this means hanging out by their backyard pool. If you’re considering installing a pool, there are a few things you should know before you get started.

First, decide what type of pool would work best for your backyard (and your budget!) Where you live is also a big deciding factor.  If you live in a warmer climate, an in-ground pool is almost a given.  If you live in a cooler region or have a smaller backyard, an above-ground pool will likely work better.  

Let’s take a closer look at the differences of each model, as well as the maintenance required.

Installing a pool is a big investment of both time and money. Take the time to research your options and compare prices before making your decision.

In-ground

An in-ground pool adds a pleasant touch to your backyard and quickly becomes the prime gathering spot for friends and family, where you can swim, lounge, and hang out together. It can also add value to your home. But in-ground models are expensive to both install and maintain. Besides the initial installation costs (site prep, digging the hole, and other charges), there are other expenses you may not be aware of, including:

• Higher electric bill due to running the filter
• Higher water bill due to refilling the pool’s water
• Chemicals for routine maintenance, opening, and closing the pool

If you decide that an in-ground pool is the best choice for your backyard, get ready to be overwhelmed by all the different options available. From shape to liner materials to wall colors, the possibilities to customize your pool to your exact preferences are endless.

Above-ground

Above-ground pools are a better choice for families who won’t be able to use it year-round (or most of it, anyway).  They are also considerably less expensive. Other advantages to an above-ground model is that it can be assembled in a few days, it usually come in the form of a kit, and a team of installers set it up for you. Some higher-end models also come with railing and decking options for an additional cost.

Unfortunately, above-ground pools add no value to your home.  Most are also too shallow for diving, and they are typically only available in a round or oval shape, unlike in-ground pools which can be round, oval, square, rectangular, kidney-shaped, and more.  Otherwise, they require much of the same maintenance as in-ground models.

Choosing the right pool for your backyard essentially comes down to price, size, and your geographic area.  Talk to a reputable dealer who can help you select the best model for your family’s lifestyle.

Are you thinking of putting in a pool? Will you be choosing an in-ground or above-ground model? Do you have one already? We’d love to hear from you in the comments below!

How to Stage Your Home for Potential Sale

Photo: LifeStorage.com

Selling a house can be a long and often nerve-wracking process. It’s not unusual for a home to sit on the market for months, even years. As a seller, you may have to come up with some creative ways of showing off your home’s best features and enticing prospective buyers.  “Staging” is one way to do this. Staging your home allows buyers to see examples of furniture arrangements and room layouts. People are very visual, and seeing pieces in the home gives buyers ideas for how their own belongings could look in each room.  Buyers often look at multiple houses; staged homes are more likely to stand out from those that are unstaged, which can make the buying decision less overwhelming.

If you want to stage your house or a house you’re selling on someone’s behalf (a deceased relative, perhaps), you need to do some prep. First, keep in mind that staging an empty house is considerably easier than staging one that’s currently occupied.  If you’re not comfortable with the process or don’t know where to start, you can work with a Staging Consultant who can work with you on rearranging furniture and basically getting the home in “showing condition” so it’s presented in the best possible light.  This means all those awkward little nooks and crannies (such as a too-small closet or alcove under the stairs), the basement, and other imperfect areas of your home will be on display for potential buyers, but in a new, more flattering, way. You want buyers to see themselves and their family living in your home and making it their own, and giving them some ideas for what "works" in certain rooms will help them do that.

Even if you’re working with a Staging Consultant to handle the actual furniture arranging and room layouts, there are plenty of things you can do to get the process started.

Exterior

•         Mow lawn, trim shrubs, weed garden, and plant new flowers and other greenery
•         Make sure your house number is clearly visible
•          Give your front porch or entryway some TLC—apply a fresh coat of paint or stain to the floor and railing, wash down porch furniture, repair or replace stained, torn, or damaged furniture cushions.
•          Wash windows

Interior

•          Declutter. If you ever needed a good reason to get rid of the books, papers, and various other debris you’ve accumulated over the years while living in your home, this is it!
•          Give your home a thorough cleaning. This is especially critical if you have animals and/or small children! Pay special attention to wood floors. Consider refinishing them if they’re excessively nicked or scratched; if that’s not in your budget, invest in area rugs to hide the worst of the wear.
•          Pick up toys and encourage your kids to clean up their rooms.
•          Try to strike a balance between “clean” and “lived in”. You want buyers to know real people live in this house, so you don’t have to remove all traces of your presence. But don’t leave newspapers, mail, kids’ sports equipment, and other remainders of your “real life” laying around, either.
•          Be vigilant about tackling pet odors. We love our pets, but let’s face it, they can be stinky at times. Besides giving your four-legged friends a bath prior to each showing (if you can), steam-clean all rugs and wash floors thoroughly.

     Have you ever staged a home for potential sale? Did you work with a professional or do it yourself? What was your experience? We’d love to hear from you in the comments below!

Travel Tips for First-Time Cruisers

Warmer weather naturally makes us start thinking about summer—specifically, summer vacation! Whether you visit the same destination every year or change up your adventures, vacations are a great way to unwind, recharge, enjoy a change of scenery, and spend some quality time with your nearest and dearest.

If you’re thinking of doing something different this summer, cruising is one of the most convenient and affordable ways to vacation.  You can book getaways for as little as three days, or for as long as your budget and schedule will allow.  Cruising might seem expensive, but if you break it down, it’s really a great value—think of how expensive it would be to visit each port of call by itself, not to mention your lodging and meals (your flight to the departure port would be an additional expense, so that is something to consider when planning).  Cruises are often seen as travel for the over-65 set, but cruise lines have come a long way and now truly offer something for everyone. The idea of spending several days at sea might make you nervous, but focus on the experience of seeing new places, meeting new people, rather than the fact that you’re on a ship.  Follow the rules and regulations (and you can expect a safety or “muster” drill within your first few hours onboard), but focus on the positive rather than potential safety risks.  You need a passport if you’ll be sailing in international waters (even if you’re cruising from the U.S. to Canada). If you need a passport, make sure your application is sent a few months before your trip, as it can take 6-8 weeks to process.

Ready to move forward? Below are a few more tips for first-time cruisers.

Use a travel agent.  Most vacations can be scheduled with a few clicks, but booking a cruise is a little more involved and a travel agent can help you every step of the way.  Agents can find you under-the-radar deals and discounts, process your check-in paperwork and other necessary forms, and answer any questions that might pop up while you’re planning.  

Take your room card with you everywhere. One of the first things you’ll learn when you board the ship is that your room card is essentially your lifeline, because it’s both your room key and debit card. You use it for any onboard purchases, then you’ll get a summary of your expenses at the end of the cruise.  Although your room and most of your meals are included, alcohol, shore excursions, some onboard services (like a massage) and certain specialty restaurants may have additional costs.  

Have a buddy. Cruise ships are getting bigger all the time, and until you and your group familiarize yourself with the layout of your ship, it can be overwhelming.  It’s best to meander around the ship with at least one other member of your group.

Learn your way around the ship. A week to 10 days is a long time. Do you know how to get to the main dining room, pool, or fitness center?  What if you want a bite to eat or something to drink at 1 a.m.—do you know what’s open? Wander around the ship and find out where things are.

Don’t stay in your cabin! Unless you’re staying in a deluxe oceanside suite with a balcony, your stateroom is probably pretty small. Don’t spend more time in your room than necessary—there’s a whole ship outside your room to explore and thousands of fascinating people to meet! No matter which cruise line you sail with, you can expect two things: lots of food, and lots of activity.  Lectures, dance and art classes, shows, games, movies—you name it, it’s probably happening somewhere on the ship! Sure, the ports are fun and fascinating, but you can have just as much fun onboard.  Talk to people outside of your group—this is probably one of the few opportunities you’ll have to meet folks from around the country, if not the world. Make the most of it!

Whether you’re cruising nationally or internationally, travel insurance can give you additional peace of mind if your trip is cut short or cancelled. At ETA Benefits Group, we work with several providers that sell this valuable protection. For international travelers, consider travel medical and international health insurance, which can cover any expenses related to accident or injury. Contact us to learn more.

Have you ever been on a cruise? What other travel tips would you add? We’d love to hear from you in the comments below!