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Recap: Halloween Safety Tips

Posted on by cvargas

Did you know that there are only a few weeks left before Halloween? Are you and your family prepared? Make the most of the spookiest holiday of the year by following the safety tips from last week’s full blog post. Here is a quick summary for your convenience:

  • When you decorate, make sure that you are making your home spooky without creating tripping hazards. When choosing lighting, opt for battery powered flickering lights over candles.
  • Pumpkin carving should be reserved for kids that can handle sharp objects. Little ones can use paint or stickers on their pumpkins!
  • When passing out candy, always give treats bought at the store instead of homemade confections.
  • Trick-or-Treating can be dangerous, so make sure that kids are wearing safe costumes and comfortable shoes. Be careful driving around on Halloween night, and always check candy for tampering before eating it.

At Vargas and Vargas Insurance Agency, we always have a blast celebrating Halloween in the office. This October, we would also enjoy helping you lower your insurance premiums. Just call our office at 617-298-0655 to speak with one of our Massachusetts insurance agents about how we can help avoid potential frights from the unknown with our top of the line insurance protection.

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The Best Tips for Moving with Kids in Boston

Posted on by cvargas

Moving is stressful for everyone. Even the most organized people can become overwhelmed at the thought of the necessary logistics to relocate. This stress increases by orders of magnitude when children are involved. If you are planning to move within the Boston area with your children, consider the following tips to make the transition easier for everyone involved:

Telling Your Kids About the Move

Kids – especially younger ones – are creatures of habit. This means that uprooting them from the home that they know and love is probably going to be a big deal. Help them get used to the upcoming change by telling them about it well in advance, and make sure that you have a positive attitude when talking about the impending relocation. Prepare them by telling them what will be different but also tell them what will stay the same so that they can retain a sense of normalcy.

To help younger children prepare for what will happen when you move, consider getting a book on moving. There are several available that will help little ones understand that the process doesn’t have to be scary. You can also share the story of the first time you moved with your kids to help them understand that moving is a normal part of life.

Choosing a New Home with Your Kids

If your kids are old enough, you might want to let them get in on some of the house hunting fun. Ask what they would want in your next home – maybe a bedroom that they don’t have to share, or a big backyard, or a bonus room that could be used just for hanging out? When choosing a home, make sure to research which schools the house is assigned to, don’t just assume it is the closest one!

Once you choose a home, let your child help decorate their room. Give small children a few choices on colors to paint the walls or rugs to put next to their bed. Teenagers can be given additional freedom to make their own choices (within reason, as always – no one wants to paint bedroom walls black!)

Tips for Packing Your Home

Your child probably won’t adjust well to having all their favorite things in boxes, so plan on packing their room as late as possible. Let younger kids feel like they can contribute and have some control over the move by placing them in charge of packing a box or two – preferably something that can’t break like stuffed animals. If your move will take more than a day, allow your child to keep a small bin of their most favorite toys with them during travel to ease separation anxiety.

As you know, moving is also the perfect excuse to get rid of old stuff that you don’t use any more. Encourage your child to choose some of their older toys to be sold at a moving sale or to be donated to a local organization for underprivileged kids.

Moving Day is Here!

Only you know what is best for your child, so only you will be able to decide what the best course of action is on days when packers and movers will be at your home. Some families know that their little one will need to be out of the house and opt for daycare or having a friend or family member watch their child. Other children would rather be involved and see the move happen – just ensure that they will be able to stay out of the way and out of trouble for the duration of the process.

Unpacking Made Easy

Make your child’s room one of the first things you unpack when you arrive at your new home. (If anything is broken during the move, find out if your Boston home insurance policy will cover the damage.) As you unpack, take your child with you to meet your new neighbors – especially if they have kids around the same age.

Settling in to Your New Place

Once you’re unpacked, you will have the opportunity to explore your new community with your kids. If they have changed schools, it may help them to see their new school before their first day. If it would help, ask your school for a list of children in your child’s class so that you can arrange playdates ahead of time. Having friends on the first day will make the transition a lot easier for most kids. A scoop of local ice cream never hurts either! There are tons of fun activities in Boston that you can do with your kids to show them how great their new home is.

As you continue to plan for a Boston move with your family, call Vargas and Vargas Insurance Agency at 617-298-0655 for help getting the right insurance protection for your new home. We will make sure that you and your family are ready to handle anything that comes your way.

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Morning Motivation – Week of October 1, 2018

Posted on by cvargas

As you know I try to start every week with some words of wisdom,

Have you been keeping up with my weekly motivation posts? The last couple of weeks I have been talking about doing what you do best, what you are gifted in and get someone else to do what you hate to do or are not good at. Check out my last post here if you need a refresher.

Answer the following questions about your involvement in your business:

  • Are you trying to put your own blog together?
  • Are you trying to create a nice Facebook header?
  • Are you trying to complete a nice profile outline about YOU for all your social sites?
  • Are you trying to post 2-3 times a week?
  • Are you trying to keep up with your emails?
  • Are you trying to keep up with your voicemails?
  • Are you trying to keep up with your clients?

When it comes to keeping up with clients, I am talking about any and all of the following activities:

  • Babysitting clients
  • Putting out fires
  • Updating clients
  • Managing the client database
  • Creating mailers for clients
  • On and on and on….

If any of these tasks sounds like something you do, don’t despair! There are three steps to getting some freedom in your business:

Step #1: Make a list of the tasks that you hate to do

These are any task that makes you cringe or procrastinate. Anything can be on this list—except for selling.

Selling needs to be one of your top priorities because it’s the lifeblood of your business, and no one should know your product or service better than you.

Look out for the post all about step #2 next week!

Carlos

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2018 Halloween Safety Tips for Kids and Parents

Posted on by cvargas

The temperatures are steadily dropping, and that can only mean one thing here in Massachusetts – Halloween is just around the corner! It’s the time of year when you can let your spooky side shine… not to mention plan a costume that will knock everyone’s socks off. As October progresses, though, make sure that you follow these safety tips to make sure that you and your kids have a successful fright night!

Decorating Your Home

Some people like to go over the top when decorating the outside of their home for Halloween. We encourage you to get in the spirit, but follow a few simple guidelines:

  • Remove or clearly mark tripping hazards – Trick-or-Treaters will be coming up your walkway, so either remove obstacles or make sure that they are easily seen and avoided.
  • Light up paths – Some visitors will be wearing awkward costumes, so make sure that they can see where they’re stepping.
  • Don’t use real flames – There is something extra spooky about a flickering flame, but instead of using a real candle and risking a fire, opt for a battery-operated flickering light.
  • Be careful with extension cords – You may have lots of decorations that require power. Lights and inflatables are very popular nowadays but resist the urge to overload your extension cords and power strips.

Carving a Pumpkin

Will you be making a Jack-o-Lantern with your kids this year? For kids old enough to carve a pumpkin, make sure to use carving tools meant for pumpkins instead of sharper kitchen knives. Encourage kids to go slowly as they carve in the interest of safety and tell them to cut away from their bodies. In case there is a minor injury, have a first aid kit close by.

Kids that are too young to carve don’t have to miss out on the fun. Instead of making a carved pumpkin, break out the paints and stickers and let them decorate in an age-appropriate way.

Throwing a Party

Getting together with friends for a costume party is a fun thing to do this time of year. If you are hosting, there are a few things you should do to make sure that your guests can enjoy themselves without compromising their safety.

As you plan your party, make sure that your decorations are safe for guests. As we mentioned earlier as we talked about outdoor decorations, indoor décor should also not be a tripping hazard. Also, don’t overload poser strips or use real flames, and opt for flickering battery-operated lights over open flames. In addition, when you choose your costume make sure it is something that you can wear and still play host.

Passing out Candy

If you’re going to be staying at home on Halloween night and passing out candy to trick-or-treaters, make sure to do so in a safe way. You may have a killer recipe for a treat, but this isn’t the time to use it – only pass out candies that are sealed by the manufacturer. Some children who come to your door may have severe allergies, so you may want to have a few small toys ready in case they are necessary. Display a teal pumpkin at your home to advertise that you have these non-food treats available.

For your own safety as you pass out treats, you may opt to sit with other neighbors. At the very least, make sure that you are looking through your peep hole whenever the doorbell rings (as you always should) – you can never be sure that there isn’t a ‘trick’ on the other side of the door.

Trick-or-Treating

Going out trick-or-treating is a rite of passage for kids. As a parent, we know that you want your kid to have a great time while still being safe. Here are just a few tips that you should use to accomplish this goal:

  • Decide whether your child or children are mature enough to go out with friends without supervision. When in doubt, an adult should accompany them.
  • Some parents choose to drive their kids to a different neighborhood to trick-or-treat. If you will be driving on Halloween night, make sure to be exceptionally careful in residential areas after 5pm.
  • Edit kids costumes so that they can easily run around in them for an hour or more. Encourage kids to wear comfortable shoes and to leave their masks at home. For added safety, give kids a small flashlight to carry.
  • Teens that go out on Halloween night without supervision should have a fully charged cell phone with them in case of emergencies.
  • Before you or your kids eat a treat, it should be checked for tampering.

Here’s one thing that doesn’t have to be scary this time of year: your insurance premiums! Call Vargas and Vargas Insurance Agency for a free insurance quote or checkup. Our agents would be happy to see if we can lower your home insurance, auto insurance, or other insurance premiums – and you don’t even need to leave your house! Call 617-298-0655 whenever you have questions about your Massachusetts insurance policies.

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Morning Motivation – Week of September 24, 2018

Posted on by cvargas

Would you like some words of wisdom to start off your week on the right foot?

If you remember, last week I wrote about how to identify your innate strengths. For all the things that aren’t your strengths, here is my advice: automate the repetitive tasks. Hire a Virtual Assistant to do those things for you. If you want the information of who I use as Virtual Assistants, please let me know.

My feeling is that no matter how hard you try, it is unlikely you will ever be more than average in areas where you do not have an aptitude.

Working on developing your natural talents is self-rewarding and motivating and allow you to continually realize higher and higher levels of ability, achievement, and success. Invest your time and energy in being great at something really great. You will be happier.

What a great combination: doing what you love and having people pay you for it.

Next week, working your “Triad of Awesomeness.”

So focus on your strengths, my friends.

Carlos

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Recap: Fall Home Maintenance

Posted on by cvargas

“A fallen leaf is nothing more than a summer’s wave goodbye.” – Unknown

Is your home ready for the winter? Many of us here at the Vargas and Vargas Insurance Agency are working through our Fall home maintenance checklists and thought that we would share some of the tasks that we are undertaking. Here are just a few examples from our longer post:

  • Trim trees and shrubs, taking care to get rid of anything that could cause a problem when weighted down with snow and ice in the coming months.
  • After the leaves fall, clean gutters and drains so that melting snow and ice can flow freely.
  • Exterior repairs should be taken care of as soon as possible, before everything is blanketed and access to these areas is harder.
  • You will soon need to use your home’s heating system, so now is the time to make sure it is working and ready for the coming temperatures. Hire a professional for a check now – they will soon be very busy!
  • Check to ensure that you have all the gear you will need for winter. Now is the time to replace that old shovel, or to upgrade the ice scraper in your vehicle.

Vargas and Vargas Insurance Agency is here to help with one more item on your Fall home maintenance checklist: making sure that your insurance policies are ready for Winter claims! Call 617-298-0655 for a free consultation and a home insurance checkup from the professionals here at Vargas and Vargas Insurance.

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Morning Motivation – Week of September 17, 2018

Posted on by cvargas

As you know I try to start every week with some words of wisdom:

If you remember from last weeks, message, I started talking about the natural gifts that we all have. Check out last week’s message here.

First, write down a list of those things that you do that seem easy for you. These are the things that you can do that seem almost effortless. Often, the tasks that are easy for us are those where we have a special aptitude.

Second, make a list of all the activities that make you happy. These are the things that make you smile. These are the tasks you would do just for yourself, with no promise of gain, just because they are fun.

Look through the two lists to find the common activities. These are likely to be the areas of your natural aptitude and talent, and are the areas of greatest potential for you. Imagine if you could spend most of your time developing and playing at something that makes you happy and where it is easy for you? Wow!

So, my advice is not to get caught up in the old advice to work on your weaknesses. Hire someone who is good where you are weak. Delegate tasks that you don’t enjoy to others who do enjoy those things.

Want to know the best way to delegate these tasks? That’s a post for another week – stay tuned!

Carlos

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Recap: Virtual Assistants

Posted on by cvargas

“I asked for help, which is the hardest thing in the world.” – Marcia Wallace

At Vargas and Vargas Insurance Agency, we pride ourselves in helping Massachusetts small business owners. In addition to getting them the best possible small business insurance, we want to make sure that their businesses can grow.

If you are a small business owner here in Boston, you should consider hiring a virtual assistant. Here are explanations of just a few of the benefits of having help with your business:

  • Running a business by yourself can be daunting. Getting a helping hand may propel your business to the next level.
  • What are your weaknesses when it comes to running your business? The right virtual assistant can offer strength in the places where you are weak to improve your business.
  • A virtual assistant offers benefits to your business that a traditional employee doesn’t. As a contractor, you won’t have to offer benefits (or even a place for them to work!)
  • Finding a virtual assistant is easy! There are plenty of people available to help your business from all over the world.

For more information about how hiring a virtual assistant can help your Massachusetts small business grow, read our full blog post from last week. And for the best small business insurance in Boston, call Vargas and Vargas Insurance at 617-298-0655.

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Have You Done These Fall Home Maintenance Tasks?

Posted on by cvargas

Summer is waning, and the leaves will soon be falling. As Boston prepares for the first snowfall of the season, we want to make sure that our clients are getting their homes ready. Remember – an ounce of prevention is worth a pound of cure! In this case, that means that a little bit of maintenance work on your home could help to prevent a potential winter catastrophe.

Here are just a few of the areas of focus recommended by the Massachusetts insurance professionals at the Vargas and Vargas Insurance Agency office:

Trees and Shrubs

Fall is the perfect time to do yardwork! Now that the weather is starting to cool down, make sure that none of your home’s foliage is going to cause you problems in the winter. Primarily, this means getting rid of anything that could cause damage to your home when blanketed with heavy ice and snows. If you need help identifying potential issues, hire a professional. They will be able to tell you which trees could potentially pose a threat to your home.

Gutters and Drain Spouts

Watching the leaves change color in the Fall is one of the most beautiful phenomena that you can witness here in Massachusetts. Unfortunately, after they change color, the leaves fall off their trees and can wreak havoc in a home’s gutter.

Because of this, it is crucial that you clean out your home’s gutters sometime between when the leaves fall and when snow starts to stick. Otherwise the leaves could block the drainage of melting snow, causing runoff to puddle up and freeze – not pretty. As you rake and dispose of leaves, you should also know that now is the perfect time to aerate your lawn.

Exterior Repairs

Is there something about the exterior of your home that needs attention or repairs? Check to see what you need to do to perfect the outside of your home and take care of those tasks now, before the snow and ice make it nearly impossible to deal with.

Check for certain issues such as roof damage, or problems with the foundation. There will also be a lot of critters looking for shelter soon – make sure they don’t find a new home in your home by sealing any gaps where critters could enter. Pay special attention to the attic, since that is where many critters seek out the warm air that rises from the home. Also make sure that you remember to shut off your exterior faucets and drain and store hoses before they freeze with residual water still inside them.

Now is also a good time to fix potential issues with your driveway, sidewalks, exterior stairs, and railings. These walkways will be hard enough to navigate when covered with snow and ice, so correct any cracks or other issues that could cause a tripping hazard.

Safety Alarms

As always, we recommend checking your home’s alarms often to make sure that they are working properly. The best course of action is to replace the batteries in your smoke alarms when you change your clocks to accommodate for daylight saving time. Also check your home’s Carbon Monoxide detector – especially for homes with oil or gas-burning appliances.

Check the Heater and/or Chimney

Soon, you will be turning on your homes heating system or firing up your chimney. Before that time comes, make sure that these items are ready to be used. Hire a professional to clean the chimney if needed, and/or perform maintenance to ensure that the heat will be ready for use as soon as the weather turns.

To make sure that the heat in your home doesn’t leak, now is the perfect time to check the seals around your doors and windows. If needed, re-caulk windows and replace weather stripping so that you have a good seal to keep the warm air in your home and the cold air outside.

Purchase Winter Gear

The last thing you want is to be without something you need for the winter. Now is the perfect time to check on your wintertime supplies to make sure that you have everything you need. For example, do you need to replace your shovel? Do you have enough salt for your driveway and walkways? Is it time to finally upgrade your car’s ice scraper?

Think through all the items that you use regularly throughout the winter and make arrangements to replace items or acquire new items sooner rather than later so that you don’t get stuck without the necessary tools once the cold and snow arrive.

As always, Vargas and Vargas Insurance Agency is here for all your insurance needs this Fall! Call 617-298-0655 if you have any questions about your current policies. We can also review your Boston home insurance coverage to make sure that potential wintertime claims will be covered.

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Morning Motivation – Week of September 10, 2018

Posted on by cvargas

As you know, I try to start every week with some words of wisdom, like these:

In school, I tried to always sign up for subjects I already had some knowledge in.

Why? Because it made me feel great. “This is going to be easy,” I’d tell myself. (If you remember from my past messages, English is my second language, and late in life I was diagnosed with Non-Verbal Learning disorder. For the full story, click here.)

But what did my counselors tell me? “You should take classes in the subjects that you are weakest in.”

While learning new subjects is a great idea, striving to develop weaknesses can work against you. Conventional wisdom says we should work on improving our weaknesses, as these are missed opportunities.

Imagine what would have happened if Albert Einstein, Chris Evert, or Luciano Pavarotti had followed that advice. All these people devoted their entire life to develop their natural strengths. As a result, they each were at the top of their fields.

Highly successful entrepreneurs, as well as top scientists, athletes, and entertainers throughout history, have achieved greatness by focusing on their areas of strength.

Everyone has a natural aptitude for something. We all have a special gift.

Most of the time we don’t recognize our own gifts. The truth is that we are all very different – you are able to do something better than I can, and I can do some things better than you.

What are your natural talents? Get help recognizing them in next week’s email.

Carlos

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