Natural Cleaners – Do They Work?

The smell of some cleaners alone is enough to alert us to the present of some chemical or toxin. But when is this a necessary evil to properly disinfect our home, and when is it worth looking into natural cleaners? What are “green” cleaners, “organic” disinfectants? How can you tell the ones that work from those that do little more than add some shine to your counter?

What’s wrong with industrial strength cleaners? It does depend on the individual sensitivity and the environment in which it is used, but there may be some problems. Volatile organic compounds, used to enhance the performance of a product, can impair neurological functions, while other chemicals can act as respiratory irritants, carcinogens or reproductive toxins, depending upon the extent of exposure, according to the National Environmental Trust and other environmental groups. Continue Reading →

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How to Avoid Tire Trouble

The trouble with tires is we sometimes won’t do any maintenance until they’re giving out underneath us on the freeway. We’ve all driven past someone with a flat and been thankful it wasn’t us–then comes the day where it is us. Here are some reasons we wind up with a flat tire:

  1. Puncture by a sharp object
  2. Failure or damage to the valve stem (the piece that sticks out from the tire that you unscrew when a tire needs air)
  3. Tread wear/rips
  4. Improper inflation

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Charity Profile: The California Heart Connection

When a child is facing health hardships a parent can feel helpless. Almost 20 years ago, two SoCal parents of children with heart defects took that feeling of helplessness and turned it into action. Their actions gave birth to the California Heart Connection. Located in Irvine, the California Heart Connection is a 501(c)(3) nonprofit organization, dedicated to building a community of friends and families who are affected by congenital heart defects. Continue Reading →

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Top Car Seats in 2018

Every time you buckle your child properly into their carseat, you are ensuring their safety. In 2016, 723 children died in car accidents. Of these, 15% were unrestrained. These stats show that there is no question: a car seat or booster seat is a must. And in case, you don’t believe us, it’s also the law.

Each year, safety recommendations change, and the age and height of your child must also be taken into account. Continue Reading →

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Insurance for Spring Break

Where are your kids heading for Spring Break? The older ones, in their teens and early twenties, may be taking off for a beach vacation to Miami or Cabo. A well-deserved break from school, fun with friends on the beach– what could go wrong? Unfortunately, a few things.

Even the most responsible of young adults might find themselves in a dangerous or tricky situation, when surrounded by large groups of young students, ocean activities, and alcohol. Spring Break travel insurance can provide important medical, airfare, and trip interruption coverage. Continue Reading →

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Spring Cleaning – Make Safety Updates

“Beware the ides of March”: perhaps we as homeowners and renters should take this as a warning. A warning to be safe in our spring cleaning, and include safety updates in our big clean-out. Yes, it’s great to clear the clutter, but more important is home maintenance and keeping it up to safety standards. Continue Reading →

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HomeAid Orange County

When without a home, the first question every day as the sun sets is, “where do we go?”. HomeAid Orange County wants there to always be an answer to that question in Orange County– no matter when or why. This is why they are working to build over 70 emergency shelters in Orange County. Orange County has a shockingly low number of residences for emergency housing and the homeless, shelter for “victims, families, children, and veterans”. Continue Reading →

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What is Inflating Your Car Insurance?

Just how do insurers determine your vehicle policy rate? To an extent it is based on a computer dictating via its algorithms who is a statistical risk and who is not. It also depends upon logical factors such as driving and ticketing history, car model, and how far you drive every year.  Surprisingly, that’s not all:

Factors including gender, neighborhood, relationship status, and credit scores can also bump up or lower your rate. Studies by the Consumer Federation of America (CFA) and experts from various agencies have shown that sometimes you pay more for factors out of your control. Continue Reading →

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Four Ways to Protect your Family Business Against Fraud

One of the best parts of being a family business (and we at BMR Insurance would know), is working alongside loved ones and building a legacy. It’s a rare find in the business world, not found in the corporate workplace. What we’re beginning to realize is that despite these levels of trust, that trust can be, and often is, shattered. But what if love for the family members one gets to work alongside day in and day out becomes a destructive force of its own? Continue Reading →

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