RE/MAX 440
John F. O'Hara

John F. O'Hara
731 W Skippack Pike  Blue Bell  PA 19422
Phone:  610-277-4060
Office:  215-643-3200
Cell:  267-481-1786
Fax:  267-354-6973

My Blog

Insurance Makes for a Happier Holiday

December 24, 2015 12:12 am

The holidays can be a joyous occasion, especially if you’re a new homeowner. The season can be marred by disaster, however, if insurance considerations are not taken. Having the right insurance coverage as a homeowner can greatly reduce these hazards, say the experts at the Insurance Information Institute (I.I.I.).

December, for example, is the peak month for fires caused by candles. Christmas tree-related fires, while not as common as candle fires, are much more likely, as well. Fire, smoke and water damage are covered under homeowners and renters insurance policies. To avoid incident, take care when decorating for the holidays not to put decorations too close to a heat source, and never leave the stove unattended while cooking. Always be sure to have smoke alarms in working condition.

December is also one of the most common months in which burglaries occur. Personal possessions are covered under standard homeowners and renters insurance policies—even holiday gifts stored in your car!

If you're traveling over the holidays, have mail and packages picked up or held by the post office, use automatic timers to turn lights on and off at appropriate times and have a dependable neighbor check on the house periodically to help mitigate the chance of disaster. Additionally, consider making your home more secure with dead-bolt locks, window grates and smoke/fire/burglar alarms. Keep in mind most insurers provide discounts for devices that make a home safer.

Online shopping can also present danger in the form of identity theft. Many standard homeowners insurance policies now include identity theft coverage, and most homeowners and renters policies provide some coverage for stolen cash or unauthorized use of your credit card.

To protect yourself, shop at reputable stores and check your credit card statements regularly, and if you find anything unusual, report it to your credit card company immediately. If your wallet is either lost or stolen, contact the police and your credit card company as soon as you can. 

Source: I.I.I.

Published with permission from RISMedia.


Tags:

4 Healthy Habits to Adopt ahead of the Holidays

December 23, 2015 2:09 am

(Family Features)—With so many social events that revolve around food, it can be challenging to make healthy choices. To keep your diet in check, take time to establish a plan ahead of social gatherings, says nationally recognized nutrition and wellness expert Mitzi Dulan.

“Whether you are hosting an event or attending someone else's celebration, planning ahead can help you stay on track,” says Dulan, a registered dietitian. “Having quick and simple strategies and recipes on hand makes it easy to eat well and keep you feeling great.”

Your plan should include:

Loving what you eat. Be mindful of the food you eat and make every bite count. Enjoying each delicious taste will make it easier to stick to a sensible eating plan. For the foods you do love, look for ways to make them better for you. For example, if pizza is your weakness, substitute a lower-calorie crust and choose toppings that help counteract added fat and calories.

Not skipping meals. Although skipping breakfast may seem like a good way to cut calories, it's a plan that can actually backfire, making you hungrier as the day wears on, and more likely to overeat or sneak unhealthy snacks. Start each day with a well-rounded breakfast to fuel your body. Apply a similar approach to events later in the day, as well. You may be tempted to skip a meal so you can enjoy the treats at a party, but chances are you'll end up overdoing it with high-calorie indulgences, so make sure you fuel up ahead of time.

Eating smaller portions. When you simply must indulge, go ahead, but to do so in moderation. One clever way to keep your portions small: use a tablespoon, not a serving spoon to dish out portions. Eat slowly so your body has time to tell your brain you're full.

Getting your fill in healthy ways. Overeating often comes down to a very basic cause: hunger. Becoming more conscious of how you answer your hunger will help you stay on track. Drinking water before and during events will help to fill you up so you are less likely to consume excess calories. Snacking throughout the day can also help keep hunger at bay; several small, healthy snacks, such as a handful of nuts or trail mix, can help keep you feeling full.

Source: Flatout Flatbread

Published with permission from RISMedia.


Tags: