Vargas & Vargas Insurance

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Dorchester, MA 02124

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Helping the Seniors in Your Life This Winter

Whether it is a family member or a neighbor, everyone knows an elderly person that may need a little bit of extra help this time of year. Do your part to help the seniors in our area, especially in the harsh winters of Massachusetts. Here are three things you can help with:

Prevent Falls – During the winter here in Massachusetts, things are often slick. This is a concern for everyone, but most of all for seniors, who are at an increased risk for injury from slip and fall accidents. To decrease the risk of a slip, keep sidewalks and driveways de-iced.

Ensure Warmth and Comfort – When the temperature drops, you should make sure that the seniors in your life stay warm and comfortable. Monitor the air temperature in their home, and ensure that heating devices like space heaters are used properly to reduce the risk of fire.

Prepare for a Storm – Seniors need to be somewhere safe during a storm. Ideally, they would have someone with them – this could mean that someone stays with them until the storm blows over, or that the senior is relocated to stay somewhere safe during bad weather.

And if you want to further help your senior family members, friends, and neighbors, make sure that they have optimized their home, health, and life insurance policies. If you suspect that one of your elderly loved ones could use a thorough insurance review, please let me know – I would love to help and make sure that they are fully prepared for the rest of their life’s journey.

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The Ultimate Football Party Cheat Sheet

Football Party Cheat Sheet
Close up of American football, ice cold beer in bucket, and flag with rustic white wood underneath. Perfect for the Fourth of July holiday. Filled frame in horizontal format.

Can you believe that it’s football season already? It may seem like this year just began, but it’s already time to get out your pom-poms and root for your favorite team!

As you probably know, there’s nothing better than having some friends over and enjoying Football Sunday as a group. Before you have a party, though, make sure you read over these tips from the staff at Vargas and Vargas Insurance Agency:

Get Your Space Ready

Football can rile people up like nothing else, so make sure that your space is ready to accommodate potentially rowdy party guests. Check to ensure that there is enough seating for all of your guests, and tidy up the room. You may even want to move breakable objects into an ‘off-limits’ space, just to be sure that none of your valuables (or guests) will get hurt when there’s a touchdown or a bad call. Decide where you will serve your food and drinks, and cover the area with a tablecloth for easy clean up in case of a spill.

Arrange Fun Decorations

Make your gathering a bit more festive with a few themed decorations. This time of year, party stores have lots of football and sports-themed merchandise, or you could get creative and make your own. For a little added rivalry, decorate the room in the colors of the two teams that you will be watching! You can keep it low key or go all out with your décor, it’s up to you! Keep kids busy before (and during) the game by letting them help with the decorations – making posters is a great activity to keep little hands occupied.

Prepare the Food

Before you do any menu planning, make sure that you know if any of your guests have a food allergy. If possible, avoid using any allergens when preparing the food you will serve. If that’s not possible, then make it very clear to the person with an allergy what food(s) they need to avoid.

When you’re ready to plan out what you will serve, focus your attention on small foods that are easy to eat. Chef in Training suggests several different chip and dip alternatives, as well as other pop-able snacks and sweet treats.

Put Safety First

Any time that you invite people over to your home, it is your responsibility as the host of the gathering to put safety first. This means taking every precaution to ensure that your guests aren’t harmed. We have already mentioned two ways to do this: clearing potentially dangerous objects from guest areas and being aware of guest food allergies. You should also be wary if you will be serving alcohol during the game – never let a guest get behind the wheel if they’ve had too much to drink.

If you do find yourself in a pickle after a party, don’t hesitate to call Vargas and Vargas Insurance Agency. As your Massachusetts renters or homeowners insurance provider, we can help you file a liability claim that will financially protect you from the medical and/or legal fees that may arise as a result of an incident. Hopefully, though, you can follow these tips and have a fantastic football party for your friends and family.

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Medical Insurance Tip: Outdoor Summer Exercise

outdoor summer exercise

Running and walking are great ways to get some exercise this time of year, especially if you are feeling cooped up and want to enjoy the beautiful summer weather. For those of you who may be thinking of taking part in outdoor summer exercise, make sure that you follow these five tips from the Massachusetts medical insurance experts in order to stay healthy and happy:

Exercise during Non-Peak Hours

We may live in the Northeast, but it can still get very hot here in Massachusetts. If you want to do your exercise outside and enjoy the nice weather, plan to do so in either the morning or the evening. This will ensure that you’re not outside at the hottest parts of the day (typically between 10 am and 3 pm), when heat exhaustion and heat stroke are more prevalent.

Studies have found that exercising first thing in the morning takes advantage of the early spike in hormones, and also will leave you more focused and energized for the rest of the day, as well as an improved mood.

Hydration is Key

It is easy to become dehydrated when exercising in the heat. To ensure that your body has enough water to accommodate your workout, drink plenty of water before, during, and after your time outdoors. While exercising, you should be taking a drink at least every 15 minutes, even if you don’t feel thirsty. Also make sure that your system is getting electrolytes, which can be found in many popular sports drinks.

Choose the Right Gear

When dressing for your workout, make sure that you wear loose clothing to aid the evaporation of sweat and keep you cool. Choosing to wear light colors will also aid in the reflection of heat. You may also want to try clothing specifically designed for workouts, which are often designed to keep you cool and dry.

Protect Your Skin

As top notch Massachusetts medical insurance providers, we know the importance of skin protection here at Vargas and Vargas Insurance Agency. Whenever you are outside, you should be looking to protect your skin. Wearing shirts with sleeves will protect your shoulders, and a hat will protect your face. Also make sure to always wear high SPF sunscreen when you are outside, and make an effort to do your workout in a shady area or trail to avoid direct sun exposure.

Watch for Warning Signs

One of the best pieces of advice that you will receive in regards to exercising outdoors is this: listen to your body. If you ever feel nauseous, dizzy, or faint, stop your workout immediately and seek out shelter. If symptoms continue, see a medical professional for help.

If you’re serious about doing the best for your body, make sure that you have a top of the line medical insurance policy from Vargas and Vargas Insurance Agency. One of our qualified and knowledgeable agents can provide a review of your current health insurance policy, or a quote for a new medical insurance policy with all the coverage you need. Just call 617-298-0655 to speak with a Vargas and Vargas Insurance representative.

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