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America the Beautiful, Our National Parks

The Narrows Trail, Zion National Park, Utah, Zion National Park, Utah.

April is a wonderful time to visit our National Parks and pay homage to our great planet. Our National Parks are high-value entertainment for the money. You might set some goals to discover our most treasured places. Our government offers a variety of passes, including the America the Beautiful Passdetailed below:

America the Beautiful Passes

This pass is your ticket to more than 2,000 federal recreation sites. Each pass covers entrance fees at national parks and national wildlife refuges, as well as standard amenity fees (day use fees) at national forests and grasslands, and at lands managed by the Bureau of Land Management, Bureau of Reclamation, and U.S. Army Corps of Engineers. A pass covers entrance, standard amenity fees, and day use fees for a driver and all passengers in a personal vehicle at per vehicle fee areas (or up to four adults at sites that charge per person). Children age 15 or under are admitted free. And the pass is free to the Current U.S. Military and their dependents; volunteers who contribute 250 or more hours; or all U.S. fourth-grade students.

Cost of Annual Pass: $80
It’s available for everyone. And you can buy in person, by phone, or online.

Plan your visit:

Looking to connect with the parks you love, but can’t manage to get away?
Check out the online explorer series:

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Plant the seeds.

Isolated shot of hemp seeds on white background

What projects are you putting off? Tips to stop procrastination:

  1. Didn’t your mother say to clean your room? That holds true for your office space as well. If your physical environment is distracting, you’re likely to be distracted. Let’s channel some order and tranquility, giving your head space room to create.
  2. Get Dressed. Even though 43 percent of us are working remotely (according to Gallup) that doesn’t mean that PJ’s are the trend in office attire. Pull yourself together.
  3. Prioritize your tasks. Note the times and create a workday list showing reasonable completion times. As you complete the tasks create rewards – like a run or walk. (And take your dog with you.) 
  4. Stuck on a writing assignment? Just deal with some headlines first. A quick brainstorm of possible subject headlines rolls the project into stage two. Or call a friend to help you brainstorm. Bringing in new ideas generally gets a project moving to a better place.
  5. And . . . some degree of procrastination is good for creativity. Organizational psychologist, Adam Grant, did a study in which they found that there’s a sweet spot somewhere between finishing a project as soon as possible and waiting until the very last minute. “It’s only when you’re told that you’re going to be working on this problem, and then you start procrastinating, but the task is still active in the back of your mind, that you start to incubate,” he said. “Procrastination gives you time to consider divergent ideas, to think in nonlinear ways, to make unexpected leaps.” 
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Client Spotlight: Legacy Builders SoCal


At BMR Insurance, we are both lucky and proud to have so many clients with integrity, from individuals and families to local businesses. Every once in a while, we like to feature one of these business clients to allow more people to get to know them. This week, we’re featuring Legacy Builders SoCal.

This company is one of Orange County’s top concrete and masonry specialists. Their work is second to none and, in addition to their quality of work, their clients consistently remark about their attention to detail and dedication to customer satisfaction. They are able to achieve this high level of customer satisfaction through doing their best to understand a client’s needs, budget and deadlines before they start the project, to make sure they stay under budget and on time. Continue Reading →

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Protect Against Orange County’s Coyotes

Is this your idea of a coyote? They're not in the woods—they're in Orange County.

Is this your idea of a coyote? They’re not in the woods—they’re in Orange County.

You’ve probably heard stories, and maybe even seen a few, early in the morning on your way to work. Coyotes are more prevalent in Orange County than you may think—they are becoming urbanized. They aren’t afraid to live near humans, especially since we provide them with all sorts of food, usually unintentionally.

According to Orange County Animal Care, most of the coyotes seen in our area’s streets are the offspring of several generations of coyotes who have been living in urban and suburban neighborhoods. This means that they are as comfortable in our towns and cities (in every state but Hawaii!) as our pets, but it doesn’t mean that they are domesticated like dogs and cats. In order to coexist with these wild animals, we need to take some safeguards to protect our homes and our pets. Continue Reading →

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It’s Pool Safety Week: BMR Insurance’s Top Tips

girl in the swimming pool

With summer aquatic fun in full gear, we at BMR would like to highlight Pool Safely Week 2013. The U.S. Consumer Product Safety Commission (CPSC) put together this public awareness campaign, which runs from July 28 to August 3, to teach the tenets of basic swimming safety at area pools, water parks and other aquatic facilities.

The CPSC has created a list of “Simple Steps to Save Lives” that include critical methods to teach parents and other caregivers alertness and water skills. They include the following recommendations: Continue Reading →

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Kitchen Fires: The Number One Cause of House Fires

Don't panic, and don't use water to put out the fire.

Each year, more than 4,000 Americans die in fires, and more than 20,000 are injured. What’s the reason? Sadly, cooking is the leading cause of home fires in the U.S., and the leading cause of injuries. Each year, these fires result in over $900 million in damage.

Kitchen fires rarely stay contained in the kitchen, and can grow quickly from a small area to engulfing the entire room, and usually spread to the rest of the house. It is National Fire Prevention Week, so we at BMR Insurance Agency would like to pass along some tips for fire safety in the kitchen. Continue Reading →

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What Aren’t the Insurance Companies Telling You? Part 1

Is this how you keep your home insured without claims? The mailman feels better...

As insurance brokers, we have an insight into the insurance companies that the man-on-the-street doesn’t have. By using us, we can help you avoid, or at least understand, why insurance companies seem to have such arbitrary policies. Here’s 3 out of the top 10 things that insurance companies won’t tell you:

  1. Why, after 10 years without a claim, would a home insurer drop the customer from its “preferred” list when he filed two claims (one for burglary and one for a damaged roof) only worth $3,000? Continue Reading →
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Special Seminar on Taxes 2010

Romero & Levin Wealth Management will be teaming up with the Lively Law Group for a special event, titled “Politics and Taxes 2010: Strategies to Plan For.” Find out about:

  • Investing in a rising tax environment
  • Using your RMD to pass your IRA income TAX FREE to your beneficiaries
  • Why NOW may be the time to convert your IRA to a ROTH
  • Estate planning for 2011
  • And much more

This seminar combines the expertise of Daniel S. Romero, CFP®, AIF®, CFS, a certified financial planner; Melissa Levin, CFP®, CFS, a life and disability insurance agent; Gregory Levin, CFP®, a health insurance agent; and Dan Lively, Esq., LL.M, CPA, one of Orange County’s top tax attorneys and estate planning attorney. This seminar is specifically aimed at those 59 1/2 and older, but all ages can benefit from the advice to be presented.

Seating is limited, so contact Johnna Iantorno at 714 547-8787 x 121 to register for one of the two following dates:

  • Tuesday, October 12, 2010— 7PM
    at Karl H. Romero & Associates, Inc.
    1585 E. 17th St
    Santa Ana, CA 92705
  • Wednesday, October 13, 2010— 7PM
    at Marcus & Millichap
    19800 MacArthur Blvd.
    Irvine, CA 92612

The team at BMR Insurance has worked with Romero & Levin Weath Management for almost a decade, and have referred many clients to them for excellent service. Dan Lively recently was named as one of the top five tax attorneys in Orange County, California, and we have nothing but respect for his abilities in tax law and estate planning.

Please feel free to contact us at BMR Insurance to discuss the event or any of the presenters. We’ll be happy to discuss their merits!

Click here for the SeminarFlyer!

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Your Graduate Needs Insurance For Car and Apartment

Celebrate your grad’s success!

Cue the Pomp and Circumstance March and get your confetti and blow horns ready; it’s the season for graduations! All across the nation, families and friends are celebrating the academic accomplishments of their loved ones.  While this is a time of festivity and celebration, graduations also prompt anticipated and significant changes in the ensuing future of a young graduate’s life.  During this time, BMR Insurance encourages parents and families to reevaluate and check up on their insurance policies to ensure that the graduates’ transitions into the new phases of their lives will be secure, protected and insured. Continue Reading →

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Creating a Home Inventory for Insurance Claims

How can you replace your property if you don’t know what it is, how much you have or what kind it is? Anyone who owns or rents a home or condo is always at risk for property damage, whether it be from natural disasters or by robbery or theft.  As a safety precaution, it is important to not only know the worth of your belongings, but also to keep a record of them in the unfortunate event that you might have to file for an insurance claim to replace your lost belongings. BMR Insurance recommends keeping an accurate record of your belongings. It will not only ensure that you will have adequate insurance to cover your assets, but will also simplify the process of filing insurance claims.

The best way to keep record of what you have is through compiling an inventory.  There are several ways to conduct inventory for your home.  You can do a home walk-through yourself—just verbally record your belongings into a tape recorder or log your belongings in a structured form as you go.  But the fastest, most efficient and accurate method of documenting your belongings is to literally document them through a video recording. Continue Reading →

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