The Six Foundations of Insurance

Insurance agencies run off a number of foundational principles. Familiarity with these principles will help you understand the ins and outs of insurance, and how we best do our job. These six foundational principles reduce the risk for both insurance companies, like us, and their clients. Continue Reading →

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What to Do If Your Wallet Is Stolen

You reach in your back pocket for your wallet– and it’s gone. With a sinking feeling, the first thing you might want to do is run from place to place in a panic. But if you take the following steps, you’ll save yourself, your bank account, and your identity a lot of trouble. Continue Reading →

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Factors Affecting Home Insurance Rates

When buying your homeowner’s insurance (which, if you are a homeowner you should obtain immediately), there are many different factors at play in the rate your insurance agent will produce for your home. Knowing these factors as you go into the process of buying insurance, can help you reduce your initial rate and keep it low over time. Continue Reading →

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O.C. Charity Spotlight: StandUp for Kids

In 2003, the Orange County chapter of StandUp for Kids was born. With it came a new outlet of support for the community of homeless youth in OC– outreach centers, housing assistance, and mentorship programs. StandUp for Kids finds a way to reintegrate every youth back into the community, whether through going back to school or finding them a job. The main focus of StandUp for Kids programs is to lead youth to self-sufficiency and prevent gang involvement, teen pregnancy, drug use, and dropping out of school. In 2017 alone, they assisted over 350 youth, formalized partnerships with local shelters, and logged more than 6,200 hours serving children in Orange County. Continue Reading →

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Reassess Your Finances in the New Year

It’s January 2018, and the perfect time to hit the ‘reset’ button on your personal and family finances. This means setting budgets, finding places to slim down your spending, and knowing where exactly you are focusing your saving. Already on top of your money management? Great! But, as situations constantly change it doesn’t hurt to reassess where you are with your finances. Here are 8 tips (for each year of the decade) to help you enter the New Year on top of your finance game! Continue Reading →

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Check Your CO Detector Annually

New Year’s is a time of fresh beginnings. Start 2018 off as safe as possible in your home. Check your CO detectors, as winter is peak time for cases of carbon monoxide poisoning. Carbon monoxide is colorless, odorless, and deadly. It emits from burning wood, kerosene, natural gas, and oil. As we warm and seal our homes in winter, the chances of CO exposure are high. Continue Reading →

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Protect Your Information While Holiday Shopping Online

It looks like Santa’s workshop has moved from the North Pole to a new digital space this holiday season, as a record-setting 85% of U.S. consumers have reported they will be doing their shopping online this season. The elves at Amazon and other online markets will be hard at work getting packages sent to households on time in 2017.

If you decide to join the masses in online holiday shopping, protect your information from digital thieves looking to access your identity and credit card number. Nothing will dampen the holiday spirit like identity theft– the 300,000 victims of online-theft in 2016 can attest to that. The safe practices outlined below will help secure your online shopping. Continue Reading →

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Family Holiday Volunteering in the OC

The holiday season is a time of gratitude and generosity– what better way to channel this than volunteering and giving back to those in your very own community. Volunteering is a great way to act as a role model, encourage good works, and build memories with your entire family.

Orange County offers a wide range of opportunity for volunteer work during the holidays. Get to know your neighbors, and truly give back to the community this year! Here are a few places to start:

Build Futures – Huntington Beach, CA – https://buildfutures.org/

Build Futures focuses on taking young adults age 18-24 off of the streets, and providing them with the tools to stay off the streets. This year, they are asking for hygiene kits and grocery bags of food. This is a good one to do from home, and even as a part of a holiday gathering. Make an assembly line, blast the Christmas music, and ask guests to contribute some of the following items:

Build Futures asks for: “hygiene items (full size not travel) for the homeless youth we serve. Items needed include deodorant (male or female), lip balm, disposable razors (male or female), comb/brush (male or female), shampoo, conditioner, tissue (small packs), toothpaste, toothbrush, Soap (bar or body wash, Male or female), Toothbrush holder or caps (optional)”.

And for grocery bags: “Non-perishable grocery items for newly housed individuals are needed so they have food when housed. Re-usable fabric bags are preferred but can be paper. Suggested items (please keep in mind nutritional needs, these are full sizes): 2 to 4 cans or packs of tuna or chicken, peanut butter, strawberry or raspberry jam, whole grain crackers, soups, protein or granola bars (box), oatmeal, whole grain cereal, nuts of some type, whole grain pasta, brown rice, can of black beans, 2 cans chili/ravioli type meals, fruit cups or applesauce (6 pack)”.

Friendly Center – Orange, CA – http://www.friendlycenter.org/

The Friendly Center helps keep children and their families safe, stable, and secure. In the holiday season, this means providing shelter, clothing, and gifts for the kids of families who are focusing solely on getting food on the table. Contribute to the turkey basket drive, give toys, host a craft table for kids at holiday events at the center– there are countless ways to help!

Christmas Toy Drive (Giving Children Hope Facility) – Buena Park, CA – http://gchope.org/

Giving Children Hope provides for the welfare, health and self-esteem of Orange County Unified School District students who the McKinney-Vento act identifies as homeless. Contribute toys, sponsor a child’s wishlist, or participate in the organization’s wrapping parties.

Orangewood Children’s Foundation – Santa Ana, CA – http://www.orangewoodfoundation.org/

As a 24 hour emergency shelter for children up to 18 years, the Orangewood Children’s Foundation is at work 24/7. Help them provide these children with a little holiday spirit. Sponsor their wishlist program, and pick an item or items requested specifically by a little one.

Adopt-a-Park – Santa Ana, CA – www.ocgov.com

Take advantage of the unseasonably warm weather and get outdoors. Do park clean up, landscaping, greet visitors, or work in the office. Adopt-a-block can be a one time experience, or become a regular tradition in the family. Volunteers of all ages are welcome.

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