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7 Spring Cleaning Steps for Boston Businesses

Posted on by cvargas

March is nearly here – are you ready for spring in Boston? As we prepare for the snow to start thawing, the Vargas and Vargas Insurance office is preparing for its annual spring cleaning. Want to use this opportunity to organize your Boston business? Here are a few things that you can do to ‘Spring Clean’ your way to success!

1. Clear the Clutter

The most well-known Spring Cleaning task is unarguably the physical cleaning. It’s time to break out your sanitizing supplies and make sure that your office sparkles. Get rid of dirt and grime, and make sure not to miss any of the hard-to-reach spots.

Now is also the perfect time to evaluate the state of your office. Could the paint use a little touching up? Have you been putting off a cosmetic repair? Get those done now, especially in areas that clients see. Remember – your office only gets one chance at a first impression, so make sure it’s a good one for both customers. Employees will also appreciate a new and fresh look, so think about improving your décor or rearranging your office space.

2. Get Organized

Now is also the perfect time to go through your pesky files and make sure that everything is in order. Shred anything you don’t need and organize the rest. Remember that your digital files should also be included in this task! All of your files should be logically organized and easy to find in a jiffy.

Now is also the perfect time to organize your Social Media pages. Who in your business takes care of these? Do they have a posting schedule? Are they planning out posts ahead of time? How quickly are they able to answer any questions that come in via these platforms? All of these questions need to be addressed.

3. Assess Your Expenses

When was the last time that you cleaned up your business’s expense account? You should be combing through your outgoing payments often, but a deep cleaning once a year will give you peace of mind. Keep a keen eye out for any recurring expenses that you no longer use or need, since those types of charges can add up fast and end up affecting your bottom line.

4. Put Safety First

The safety of your employees, your customers, and your business should be your topmost priority, so make it a focus when you do this year’s spring cleaning. Make sure that your shop or office space is a safe environment so that everyone is less likely to suffer an injury.

Also practice cyber safety! Back up all files with company information – preferably on the cloud where it is easily retrievable in case of a hard drive failure. If you store customer data, you should make sure that it is safe from hackers. Also teach yourself and any staff that you have about digital password safety, and learn the benefits of a password manager.

5. Check Your Website

Your business probably has a website, but when was the last time you visited it with the eyes of a customer? Set aside some time during your Spring Cleaning to dust off your website. Open it and try to see it as a new customer would and look for anything that needs a little freshening up. Make sure that all of the links still work! Also, when was the last time that you updated your content or posted a blog? Now is the perfect time to start anew.

6. Evaluate Your Goals

Did you set a 2019 resolution for your business? Now that two months of the year are in the books, it’s a great time to evaluate your progress. Are you on track to achieve what you planned, or does your goal need to be reevaluated? Have you been taking the steps necessary to accomplish (and maybe even exceed) your goal?

If you need help getting your business on track to succeed, talk to Carlos Vargas about his business coaching and consultations!

7. Plan for the Future

Once your Spring cleaning is complete and your business is sparkling, it’s time to take a look at your future. There should be fewer tasks on your ‘to-do’ list, but that is no excuse to sluff off! Create a list of things that you should be doing to keep your business running smoothly and make your experience better for your clients.

Need help cleaning up your insurance portfolio? Talk to the commercial insurance experts at Vargas and Vargas Insurance Agency about your business insurance needs. We can help you evaluate your risks and find the perfect coverage options to meet and exceed your expectations. We will even help to ensure that you’re receiving all of the discounts for which you qualify! It will be one of the easiest tasks on your Spring Cleaning to-do list, so don’t put it off any further – call 617-298-0655 today to speak to a Vargas and Vargas Insurance representative.

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Morning Motivation – Week of February 18, 2019

Posted on by cvargas

Hello, friends!

I love to start each week with words of wisdom, and this week’s are:

There’s a reason it’s hard to see the “next big thing.” Most of us can only ever perceive the world as it is right now. Remember, Henry Ford famously said that if he asked people what they wanted, they’d have said faster horses.

Do you remember life before phones were stuck in our hands almost 24/7? Remember life before scrolling and swiping endlessly? Remember life before Google? You probably do, but could you have PREDICTED any of this? No. Neither can most people (me least of all).

But when it happens — when something huge happens — when you start hearing people you trust shouting about a massive shift — it’s time to dig in and learn a bit.

One of those shifts is happening right now. I will tell you all about it in my message next week.

Carlos

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Recap: Valentine’s Day

Posted on by cvargas

“All you need is love. But a little chocolate now and then doesn’t hurt.”

– Charles M. Schulz

Did you all have a good Valentine’s Day? We hope that you were able to show your love to those that you are closest to last week. We also want to take this opportunity to remind you that it’s not too late to show your loved ones that you care by purchasing more than just chocolates and flowers. We’re talking about the gift of insurance! Policies like these are a great way to protect your loved ones:

  • Home Insurance, Renter’s Insurance, and Condo Insurance to protect the place that you call home, as well as your belongings and valuables.
  • Auto Insurance will help you verify that your car is financially covered after an accident, and that anyone who is hurt in an accident can get proper medical care.
  • Health and Life Insurance will help to care for your loved ones when they are ill, and make sure that they have the financial means to continue on if you pass away unexpectedly.

When you’re ready to learn more about how to protect your loved ones with the right Massachusetts insurance policies, call Vargas and Vargas Insurance Agency at 617-298-0655. We will help you review your current policies to make sure that the coverage is right for you and can give you free quotes on new policies for no charge and with no obligation. Don’t wait until next Valentine’s Day – call now!

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A Massachusetts Smart Home Guide

Posted on by cvargas

Have you noticed that everything nowadays is connected to the internet? Once ‘smartphones’ caught on (to the point that it seems like everyone has one) it seems like everything need to be ‘smart.’ Have you adopted any smart devices in your home, or are you thinking of adding any to your repertoire? Whether you’re deep into the Internet of Things lifestyle or you’re thinking of dipping your toe in the waters of smart home devices, this guide is for you!

Thermostats

One of the first innovations in the smart home space was the smart thermostat. As with the majority of smart devices (as you will see as we go through each of the following categories) this product allows you to connect a household object to the internet and therefore control it from the comfort of your phone.

This means adjusting the temperature of your home without leaving the couch, or even being able to do it while you’re away from home! Imagine being able to go on a vacation in the summer and turning your air conditioning off to save money. This used to mean coming home to a stifling house! Now, however, you can use your phone and smart thermostat to turn on the air a few hours prior to arriving home – allowing you to benefit from the savings of turning off your thermostat without the hassle of waiting for the house to cool down when you arrive home.

Light Bulbs

How often do you wake up before dawn and have to avoid tripping over things to turn on the light? Or get ready to watch a movie only to have to get up to dim the lights? These annoyances are no more when you install smart lights in your home. Not only can you turn the bulbs on and off from your Wi-Fi enabled devices, most bulbs are able to dim, and some are even able to broadcast colored lights!

Security Cameras

Home security cameras used to be a passive possession. You would turn the camera on and forget about it unless something happened – then you could pull the tapes and hope that there was something useful recorded.

Now, having a security camera is much more useful. When positioned correctly, you can use a security camera to watch people enter and exit your property in real time, including delivery workers and even your children getting home from school in the afternoons. Some of these devices are connected to smart doorbells, which will send you a notification if they are rung, and sometimes even allow you to communicate with your visitors from afar.

Indoor security cameras can monitor older children that are home alone, as well as any elderly residents of the home and mischievous pets that should be checked on occasionally throughout the day. This monitoring for the indoor and outdoor cameras can be done via the internet from anywhere that you have a device with access to your camera system.

Switches and Outlets

Have another object that you wish could be powered on and off with your phone? Just plug it in through a smart outlet or hook it up to a smart switch. This works on many things, including fans, holiday lights and trees, coffee makers, and much more.

Speakers

Another great innovation in the smart home space is the smart speaker. Most smart speakers have the ability to connect to and control many of your other smart devices through voice commands. So most of the devices above that you can control with a phone can also be controlled with your voice and a smart speaker. This means that futuristic commands like “turn on the lights,” “turn down the temperature,” and “turn on the ceiling fan” are now possible to execute!

Smart speakers are also able to access a vast wealth of knowledge from the internet. Have a question? Try asking your virtual assistant! You won’t need to pull out your device – the speaker will often answer basic questions in seconds.

This list of devices may seem long, but it barely scratches the surface of what’s available to homeowners, and new smart devices are coming out all the time!

Does all of this talk about technology and smart homes have you considering upgrading your home with these devices? If you do decide to make a change, remember to call Vargas and Vargas Insurance Agency and talk to your Boston home insurance agent. Let them know what changes you have made to see if it affects your insurance rates. You may need extra coverage to protect your new device, or your insurance rates could lower because of added security features in your home!

There is only one way to know for sure what the impact on your Massachusetts home insurance policy will be – call 617-298-0655 and talk to your agent now!

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Morning Motivation – Week of February 11, 2019

Posted on by cvargas

Happy Monday once again, friends! And Happy Valentine’s Day!

As you know, I start each week with some positive words of wisdom, and this week’s are:

In last week’s message, I started talking about how you should use storytelling in your business to set yourself apart from your competition and to brand you and your business. I started laying out a few steps that will help you use the power of storytelling in your business. I only got to #1 last week, but here is the entire list:

  1. Show, Don’t Tell – Don’t talk about yourself. Instead, use stories that convey your expertise and values, maybe even showing the “superman” side of you.
  2. Use Stories as a Problem Solver – Humans use stories to make sense of the world around us. As your prospects struggle with the problems they are facing in their lives, you can use stories to answer important questions. How can you help? Why should they buy from you?  Well-crafted stores can show people the benefit of choosing your product or service.
  3. Be Relatable by Sharing Other’s Stories – Set yourself apart from your competition by talking about your customers, not yourself. Use clients’ stories to help undecided shoppers relate to your clients. When satisfied clients talk about you and praise you, it is more credible than anything you could say.

People love stories. Use stories to get and keep the attention of your prospects and referral sources and create an emotional connection with them. We make decisions emotionally, so when you take advantage of stories, you will be able to influence others thoughts, behaviors and maybe even buying decisions.

Although the human brain is able to process emotional and observational information, research has shown that emotional responses are stronger than rational responses and therefore decision making isn’t logical, it is emotional. Research has also shown that emotional response to an advertisement has far greater influence on a person’s intent to buy a product that the ad’s content does.

This means that when you use storytelling in your marketing, your audience is more likely to have an emotional response and remember your message!

That is it for this week!

Carlos

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Recap: Family Dinner Tips

Posted on by cvargas

“The most essential part of my day is a proper dinner.”

– Rachael Ray

How often does your family enjoy eating dinner together around the table? If your resolution this year involved eating better or having more quality time with your loved ones, dinner is the perfect place to start? What more could you be doing to make the evening meal fun and nutritious? Here are some tips from last week’s full blog post – pick one (or try them all!) at your next meal.

  • Focus on serving healthy meals. Healthy meals don’t have to be complicated or hard to prepare. They don’t always need specialty kitchen tools. They can be enjoyed by people with simple and refined palates.
  • Plan dinner so that your family can eat together and connect. Ask everyone about their day, encouraging communication. Alternatively, you can occasionally use dinner time to learn something new by reading an article or listening to a podcast.
  • The important part about family dinner is establishing a routine. It may not be possible to have every member of the family sit down to a healthy dinner every day of the week, but find a schedule that works for you and stick to is as best you can.

Want to continue to make sure that your family is healthy and protected? Talk to your Vargas and Vargas Insurance agent about your insurance portfolio. Review your family’s health insurance and ask if your life insurance policy has enough coverage for your loved ones in case of unfortunate circumstances. A complete insurance review is free, and it’s only a call away, so pick up your phone and dial Vargas and Vargas Insurance at 617-298-0655 now to start the process.

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Happy Valentine’s Day from Our Agency

Posted on by cvargas

It’s February, and that means that wherever you look, love is in the air! How are you going to show your loved ones how much you care about them? Traditional gifts include jewelry, sweets, flowers, and stuffed animals, but have you considered adding an insurance check up to your gift this year?

A sweet or cute or shiny present on Valentine’s Day is a great place to start – but why not make sure to also give your sweetheart something that will be a long-term gift? As Massachusetts insurance experts, we will be the first to agree that an insurance policy isn’t a glamorous gift, but there is nothing quite like it to say, “I love you and I want to make sure that you are always protected.”

When you’re reviewing your insurance this Valentine’s Day, make sure to go over the following policies:

Home Insurance

Do you share a place that you call ‘home’ with people that you love? You need to make sure that it is protected with the proper insurance policy. Vargas and Vargas Insurance Agency offers home insurance for homeowners, renters’ insurance for those in apartments or rented homes, and even condo insurance for condo owners with their own unique needs.

You never expect to need to make a claim on your home’s insurance policy, but having the protection makes sure that any issues that you have can be resolved quickly and without massive financial loss.

A home, renters, or condo insurance policy also protects your belongings, including your valuables – this means that if you bought or received a piece of fine jewelry for the holiday, you should make sure to let your insurance agent know. They can help you make sure that the value of your new ‘bling’ is covered in case of loss or damage. Talk to your insurance agent about your valuables, whether it’s fine jewelry, art, collectibles, or something else – they will ensure that your home coverage provides the proper protection for the items.

Auto Insurance

Your car gets you and your loved ones from place to place. This can mean work and errands, but it can also mean fun activities. No matter where you’re driving, you need to make sure that your car is protected so that you can always have a safe and reliable car – that’s where your auto insurance comes in!

If your car is ever involved in an accident, you want it to be fixed without having to empty your bank account. Having the right auto insurance will help in this endeavor! Your Massachusetts car insurance can also help pay medical bills of anyone hurt in an accident that is your fault, as well as provide liability protection if you are involved in a lawsuit due to a car accident.

Health Insurance

A big part of saying “I love you” is meaning that you care about someone’s well-being. Is there a better way to care for someone than making sure that they have a great Boston health insurance policy? Make sure that your sweetheart can get the care that he or she needs when they’re under the weather with a health insurance policy from Vargas and Vargas Insurance Agency.

Nowadays, medical care can be very expensive. No one wants to have to make the hard choice of forgoing care or seeing a doctor and ending up in debt. Talking to a medical insurance professional can ensure that you and your family have coverage that you can afford and that will provide you with the best possible care for your premium.

Life Insurance

One of the best gifts that you can give to the person that you love is peace of mind. Tell them that you want to make sure that they are financially protected in case anything ever happens to you and get a life insurance policy. Often, these policies are very affordable, and they provide a lot of coverage in a ‘worst case’ scenario. The funds received can be used to cover funeral expenses, care for dependents, and much more. Ask your insurance agent whether you should consider term life insurance, whole life insurance, or universal life insurance based on your unique needs.

When you’re ready to talk to a Boston insurance agent about providing protections for your loved ones this Valentine’s Day, simply call Vargas and Vargas Insurance Agency at 617-298-0655. Our agents can provide a free review for all of your insurance policies to ensure that you are carrying the right amount of protection for you and your family.

We would also like to take this opportunity to extend a big ‘thank you’ to all of our clients. We are humbled that you have chosen our agency to provide you with your insurance policies, and we always strive to provide you with the best possible service. Happy Valentine’s Day!

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Make Sure Your Valuables are Covered by Your Home Insurance

Posted on by agentinsure

Natural disasters can put your home in Dorchester, MA, and all your personal belongings at risk of damage or total loss. Home insurance can help mitigate that loss. Standard homeowners insurance, however, comes with limits on how much protection you receive for personal belongings. This protection may not be enough to replace valuable goods if they are stolen or damaged. How, then, can you make sure your valuables are covered under your home insurance policy? 

Purchase an Endorsement

An endorsement is additional insurance you can obtain to fully protect valuable items. The first step towards getting this coverage is to have your valuables appraised to determine their worth. You’ll then have a better idea of the kind of protection you need.  

There are two kinds of endorsements you can obtain for your valuable items: blanket coverage or individual floater. Blanket coverage enables you to protect entire collections of goods such as jewelry, stamp collection, coin collection, fine art, wine collections, etc. Floaters or riders cover specific items such as one painting or piece of furniture. At Vargas & Vargas Insurance, we can help you select the best option for your valuables so you can get the insurance protection you need.

Benefits of Endorsements

There are numerous benefits to obtaining an endorsement for your valuables. Endorsements give you greater control over insurance protection for valuable goods, up to the replacement cost of your valuables. They also protect you against more perils than standard policies to include pet damage, accidents, and mysterious disappearance. Under many policies, floaters have no deductibles, saving you from having to pay anything out of pocket when making a claim.

If you’re looking for additional protection for your valuable goods, contact us at Vargas & Vargas Insurance in Dorchester, MA. 

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Morning Motivation – Week of February 4, 2019

Posted on by cvargas

Happy Monday friends!

I hope that you had a great weekend and are ready for a great week. You know that I like to start each week with some positive woods, and this weeks are:

We hear a lot these days about the power of “storytelling”—and why it’s so critical for businesses and brands as we continue to operate in the digital age.

But, like so much of what we talk about in the sales, marketing and branding space, storytelling has always been important. It has been the essence of the greatest and most successful communicators since the beginning of man. If you’re interested, check out the 7 best storytellers of all time by clicking here.

Consumers have more choices today than they ever had before. Traditional marketing just isn’t as effective as it once was. Most businesses aren’t using storytelling today.

My mentor and best friend #TheMan once said to me, “Many times the missing ingredient in a successful sales message or presentation is an interesting story.”

Not only is telling a story a tried-and-true method for getting attention, but an engaging story will also keep your audience’s attention.

I want to share with you a few steps that will help you use the power of storytelling in your business:

  1. Show, Don’t Tell – Don’t talk about yourself. Instead, use stories that convey your expertise and values, maybe even showing the “superman” side of you.

For more steps regarding harnessing the power of storytelling in your business, make sure to read my message next week!

Carlos

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Recap: Buying a New Car

Posted on by cvargas

“There’s a lot of stress… but once you get in the car, all that goes out the window.”

– Dan Brown

Have you been thinking about buying a new car? If you’re like most Boston residents, you spend several hours a week driving from place to place and deserve to have a nice car. If that is the case, don’t miss our latest blog all about the process of car buying! In the blog, we covered questions like:

  • When is the right time to look for a new vehicle?
  • What new vehicle is right for my family?
  • What features should I be looking for when I choose a new ride?
  • How can I ensure that I get a great deal on a car?
  • What should I make sure to do after I buy a new car?

In addition to answering these popular questions, we gave lots of advice and information about the car-buying process. Whether this will be your first time buying a car or you’re a pro at negotiation, check out our tips – a little refresher can never hurt when you’re making such an important decision.

And remember, if you need a top-notch Massachusetts car insurance policy for your new ride, call Vargas and Vargas Insurance Agency at 617-298-0655. We can compare policies from several insurance providers in Massachusetts to find the best policy for your unique needs.

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Tips for Having a Fun and Healthy Family Dinner

Posted on by cvargas

When you have a family, every day is an adventure. Sometimes just getting dinner on the table can seem like an insurmountable task. It’s never going to be easy all of the time, but we have some tips for how you can foster a fun and healthy dinner for your family from the agents here at Vargas and Vargas Insurance Agency.

Choosing a Healthy Meal

Many families struggle to consistently put a healthy meal on the table. It’s important to remember if you’re having trouble that ‘healthy’ meals can still be both easy and delicious, even if you have picky eaters at your table (whether they’re 2 or 92 years old!)

According to the United States Department of Agriculture, families should be following the MyPlate guidelines when planning meals. This means that dinners should consist of five food groups in specific proportions – those food groups are fruits, vegetables, grains, protein, and dairy.

Thankfully, there are plenty of resources for finding healthy recipes that you can use for your family. Start with an online search focused on meals with the MyPlate guidelines in mind. If you have children that are old enough, have them help with the meal planning and even the cooking, if possible. This will help to set them up for nutritional success later in life. Having trouble finding the time to put together a meal? Meal prep is a great option to plan out and store a week’s worth of meals (or more) and cut down significantly on daily prep work.

Here in the Dorchester area, there are plenty of resources for you if you need help creating a great meal. The library offers access to a cooking section where you can find plenty of great meal ideas, there are food pantries for those struggling to afford meals, and don’t forget about the wonderful produce offered at farmer’s markets in the area throughout the year.

Encourage Communication and Learning

Family meals are about so much more than just the food. In addition to serving something nutritious, you should make sure that you inspire everyone at the table to bond and engage with the group. Some children can be reluctant to share. To circumvent this issue, you will need to ask more specific questions about their activities and the happenings in their lives. Also make sure to talk about things that they are interested in – let them tell you about their social life or their favorite video game!

Want to mix up your dinner routine a little bit? Designate certain days as ‘learning dinners.’ Instead of focusing on conversation, learn something as a group. Find an interesting and educational podcast that you can all listen to or have someone choose and read an article from the news to bolster discussions about world affairs with older kids. Younger kids will enjoy playing games, so choose something age appropriate and start playing! If you need ideas for appropriate games, check out the ideas from The Family Dinner Project.

Another fun thing to do together while you eat is to plan other family activities. Ask kids where they would like to go – anything from day trips to vacations – and plan out a trip! Making plans together is a great way to bond while also learning about each other.

No matter whether you choose to talk, play, or learn while you’re at the table, remember that it is important that this time is about being together as a family. For most, this means putting away phones and tablets and turning off the tv during meals so that you can focus on each other.

Commit to a Routine

Times can get hectic, so you don’t necessarily have to do a healthy family dinner seven nights a week. Plan out what days you can and try to stick to your schedule as much as you can. Often, this routine will need to be evaluated and reevaluated as school and work schedules change, or when kids start or finish extracurricular activities – and that’s ok!

If it is hard for you to plan family dinners, try another meal – family breakfasts and lunches work just as well. What’s important is that you provide your loved ones with nutritious meals and that you spend time together to bond and communicate. And the more the merrier! Have non-immediate family members join you or invite your kids’ friends or your own friends to vary the routine and bring in new dynamics to your discussions. Just make sure that everyone follows the #1 rule – no electronics allowed at the table!

Want to do more to make sure that your family is healthy? Talk to a Vargas and Vargas Insurance agent about your health insurance policy. Call 617-298-0655 to get a free analysis of your current policy or a quote for new coverage. Having great insurance allows you to focus on healing without a major financial burden, so don’t underestimate the value of a great policy. Until then bon appetit and enjoy dinners with your family!

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Morning Motivation – Week of January 28, 2019

Posted on by cvargas

It’s Monday once again, friends!

Are you ready for this week’s motivational quote? I know you’ve been eagerly awaiting its arrival!

The new year is well underway, and I don’t mean just on the calendar. The sun is coming up on an age where people will measure your ability to serve them based on three specific categories you’re definitely not tracking today:

  • Velocity – How fast can you deliver what you sell?
  • Friction – How easy is it to do business with you?
  • Connectedness – How easy is it for your customers to communicate with you?

How you answer these three questions – as well as how you build and align your efforts and interests to serve this – will determine your success or failure in 2019.

The nuts and bolts of your answers, the answers to the HOW questions (which are far more important than WHY questions any day of the week) are what you need to be shopping for right now.

Go out and find your HOW. Read up on it. Research it. Ask around. Buy it. Invest in it. Because how you get your shelves stocked and shiny and screaming out to the people who need you to thrive? Well, that’s the big deal.

Need help finding your HOW? Let me know – I have resources that I can share to help you with your business in 2019 and beyond!

Carlos

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Recap: New Business Owner Tips

Posted on by cvargas

“Ideas are easy. Implementation is hard.”

–Guy Kawasaki

Small businesses are the key to making a neighborhood special and unique. As a Boston small business owner, you know both the rewards and struggles inherent in running your own business. If you’re looking for some motivation and advice for running your business (and let’s face it – you should always be looking for advice!) then look no further than the Vargas and Vargas Insurance blog from last week. There, we highlighted several tips for new business owners, such as:

  • When it comes time to bring in additional people to work in your business, make sure to look for quality employees.
  • Show others how great your business is, and then let them spread the word! Good marketing is infectious, so get the word out and let it spread – your network is a key part to bringing in new clients.
  • Focus on your business, but don’t forget to take care of yourself too. Eat well, get enough sleep, and exercise regularly to stay healthy.

Vargas and Vargas Insurance Agency is always here to help you with your Massachusetts small business. We also happen to provide the best small business insurance in the area! Want a free quote, or some insurance advice? Just call 617-298-0655 and speak to one of our friendly and knowledgeable commercial insurance agents about your business’s unique needs.

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The 2019 Complete Car Buying Guide

Posted on by cvargas

A car, in its most simple form, is an object that is designed and built to get you from point A to point B. However, there is much more to a car than that. AAA reported that in 2016, people spent an average of just over 50 minutes driving daily – that’s about 300 hours a year!

The next time you commute to work, make a run to the grocery store, or go on a road trip with your family, consider how much time you spend in your car and what would make that time more productive, relaxing, or otherwise efficient.

When to Start Looking for a New Vehicle

Every person has slightly different standards that will dictate when it is time to purchase a new car. For most people, though, it will come down to one of three factors: money, safety, and features.

The money aspect is simple to explain, but difficult to calculate. The question to answer is this: will you spend less on a new car than you do maintaining your current vehicle? To do the math, you will need to consider the cost of your new vehicle, including potential savings from getting better mpg, eliminating repair costs on the current car, the profits from selling your current car, and more.

Safety is a relatively easy thing to judge. As technology progresses, so too do the safety options available on new vehicles. For example, ask yourself: Does your car have advanced airbags, blind-spot monitoring, a back-up camera, and forward-collision warning? If not, it may be time to think about getting a new car for your own safety, as well as that of your passengers – especially if you transport small children.

If you’re a techie, you may be ready to look for a new car whenever there is a new feature available that you don’t have. Many people upgraded their vehicles when infotainment systems became prevalent, now consumers are looking for built-in navigation, as well as voice control and integrated apps for more personalized music. Just be careful with all of this technology – it may lead to more distractions while on the road.

What Vehicle Is Right for You?

Depending on what category you fell into in the previous section, you may be looking for a car that is a good value, has plenty of safety features, or the latest technology. Most consumers will be looking for a mix of all three of these criteria when searching for a new vehicle.

When choosing a new vehicle, make sure that you consult services like Consumer Reports and Kelley Blue Book to get started, and always test drive several makes and models to get an idea of what will work for you and your family.

Getting the Best Deal

The key to getting a great deal on a vehicle is to do your research. The car’s sticker price and what the seller is willing to let you pay may be different numbers, and there are several websites that will give you an idea of what others are actually paying for the car that you want. Also make sure that you know what upgrades you want to the vehicle’s trim if you are buying from a dealership – that way you can ask for extra features if the salesperson won’t lower the price.

When you’re negotiating the price of the car, make sure that you are cognizant of both the bottom line and the monthly payment. Some salespeople will have you focus on the monthly payment while trying to hide the fact that they’re spreading out the payments over a longer period in order to make it seem like a great deal.

After Purchasing Your Car

There are a few tasks that you should put on your ‘to-do’ list once you do purchase a car. If you purchase from a dealership, they can provide you with resources to get your new car registered (at least temporarily) so that you may drive it off the lot legally. Purchasing a used car? You should make sure to have the car thoroughly checked by a professional for safety (though you probably did this before you signed the purchase papers).

No matter in what condition you bought your vehicle, make sure that you keep all of the important paperwork in a safe place so that it is available when you need it in the future.

If you haven’t already, look into getting a great Boston car insurance policy for the vehicle. Having great protection for your new vehicle is critical, and auto insurance can also provide liability coverage for accidents in which you are involved.

Want to speak with a professional Massachusetts auto insurance agent about your car insurance needs? Call 617-298-0655 – that’s the number for our agency, where we will put you in touch with one of our friendly and knowledgeable agents so that you can get your questions answered, and even get a free and no-obligation quote on insurance for your next car.

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Morning Motivation – Week of January 21, 2019

Posted on by cvargas

Happy Monday, friends!

You know that I like to start each week with some positive words of wisdom:

The New Year is upon you. I’m watching the sunrise on the first day of this year and drinking a plain black cup of hot coffee while Kathy is sleeping in. Meanwhile, I am thinking about the absurdity of retail stores in the modern age. It’s all because of needing a pair of slippers…

The Bummer of Empty Shelves

I told you last week that I had wandered into some big box retail stores for a few last minute stocking-stuffers. Every store I visited seemed to somehow be missing huge swaths of items on their shelves. On the 29th, I wandered into a Bed and Bath store to find (of all things) a pair of men’s slippers. But when I finally tracked down a nice woman in a grey shirt, she pointed me to the three pairs of men’s slippers that were left in the store – all were size Small. (Having wide feet, this meant no slippers for me.)

Compare this to the Amazon app on my phone, or Alexa who I can just ask to pick me out a pair of slippers. They’ll be here the very next day!

But This Isn’t a Story of Slippers or Retail Stores

This is about the marketplace. It’s about you. It’s about your website and your business. Amazon just exists as an easy analogy. Ask yourself the following questions about your business:

  • Do people even really know what you sell? Is it explicit enough?
  • Is it clear from your website how and where to buy it?
  • Are your “shelves” stocked? Can people see quickly that you have their item?
  • Do you deliver what you sell fast enough to satisfy today’s market?
  • How are you staying top of mind with your clients and referral partners?
  • Have you stayed ahead of the curve with methods and means to stay connected to your clients and your referral buyers?

Look at those six questions. Ask yourself whether your business– however big or small– passes the test. And where you find yourself lacking (because most of us including me can’t answer these all with a yes) ask yourself how you’ll fix these issues fast.

Remember, you and I are in the same boat – just trying to build a better business. If there is ever anything I can do to help you in this endeavour, don’t hesitate to reach out!

Carlos

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Recap: Monthly Maintenance

Posted on by cvargas

“Look at a day when you are supremely satisfied at the end. It’s not a day when you lounge around doing nothing; it’s when you’ve had everything to do, and you’ve done it.”

– Margaret Thatcher

Taking care of your home can seem like a colossal task – but just like any big job, it is much easier to handle when broken into more manageable pieces. Consider, for example, the post on our blog from last week about a few simple monthly home maintenance tasks that you should have set on your schedule to keep your home running smoothly.

  • Check your HVAC filters and determine if they need to be replaced.
  • Clean your dish disposal in the kitchen by grinding a few vinegar ice cubes.
  • Use a combination of degreaser and hot water to soak your range hood’s filter.
  • Ensure that your fire extinguisher has adequate pressure and is accessible.
  • Clean your sink aerators and shower heads with vinegar

If you ever need help with a home maintenance task, call a Boston professional! Here at Vargas and Vargas Insurance Agency, we know many qualified professionals in the area, and would be happy to provide you with a referral.

And to ensure that you will have a smooth recovery in case anything ever happens to your home, call Vargas and Vargas Insurance Agency at 617-298-0655 to talk about your home insurance policy. Having a great home insurance policy is crucial, and to make sure that your home insurance policy is up to date, you should talk to your insurance agent yearly to update it based on your changing needs.

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Tips for First-Time Business Owners in Massachusetts

Posted on by cvargas

Here at Vargas and Vargas Insurance Agency, we love our neighborhood, and one of our favorite things about the local area is the diversity of the businesses. Instead of shopping at huge national chains, we love to make our purchases at the local ‘mom and pop’ shops that make the area unique.

As a business owner, you are no doubt always looking for ways to make your business better (and make yourself a better business owner). In service of that, we want to share with you some of the tips that we have found useful in our journey of becoming one of the businesses that ‘makes it’ and even, dare we say it, thrives!

Build a Great Team

The vast majority of small businesses start off as a one-person operation. At some point, though, you will need (or you already have) brought on another (or several extra) sets of hands. The quality of the people that you bring in to business is a critical factor in determining your business’s success or failure. You have to realize that experienced workers will cost more, but the extra quality that they will bring to their work will help your business stand apart. So, before you hire your neighbor’s college-age kid that’s home and looking for a summer job, do a cost-benefit analysis of whether they are the right person for the job.

Networking is Critical

You can have the perfect product, but you won’t sell anything unless you have help getting the word out about it. Instead of being a lone wolf when it comes to marketing your business, use the power of networking to spread the word. Think of it like this – if you can recruit 10 raving fans, and they each recruit 10 more fans, etc., the results are exponential! It’s much more effective than one-on-one marketing.

One of the best ways to network is to meet new people and give them your ‘elevator pitch’ – it may sound like business school 101, but it really is that important. You need to know how to explain who you are and what your business does succinctly. And remember that you will need several different versions depending on your industry. You may need one for potential clients and another for referral sources, for example.

Prioritize Your Customers and Clients

As a business, you want to keep old clients while also recruiting new ones into your fold. Remember, though, that when looking for a place to shop for a product or service, many potential customers will look at reviews for the businesses that they are considering shopping at. This means that in order to bring in new customers, you need to make sure that your current customer experience is excellent, and that your satisfied clients are leaving you great reviews online to promote your business.

Carefully Evaluate Opportunities

Small businesses are given a lot of opportunities. As the new owner of your small business, it is your job to evaluate potential opportunities and to decide whether they are worth it. Remember – small businesses only have a limited amount of resources (including funds) so you need to pick and choose wisely. It is inadvisable to try and take advantage of every offer that comes along, since you could easily stretch yourself too thin and end up suffering.

Learn to Adapt to Circumstances

For a new business, things can change on a dime. You need to be prepared to roll with the punches. As famed businessman Michael Scott would say, “Adapt, react, readapt, act.” When your business is still small, you have the flexibility to make things work – unlike your bigger counterparts that are plagued with regulations and red tape. Take advantage of this to figure out what works and what doesn’t, just make sure to account for the fact that you will hopefully need to scale up your processes in the future!

Take Care of Yourself

When you’re running a fledgling business, it’s easy to get caught up in doing everything you can to make your business perfect. Don’t forget to take care of yourself, though! Make time to sleep, eat right, and exercise – that will keep you in shape so that you can continue to shape and grow your business for years to come.

Take Care of Your Employees

You can’t make your employees take care of themselves, but you can give them the tools that they need to do exactly that. Ask your Boston insurance agent about adding employee coverage to your business insurance policy – it’s a great way to show your employees how important they are to you and your business.

If you’re looking for business insurance for your new Boston business, talk to the local agents at Vargas and Vargas Insurance Agency. There’s no better small business to use for your commercial insurance policy – we are an independent agency, so we can compare quotes from several insurance providers to find the one that’s right for you and your new business.

And if you need help with getting your new business on track, call the agency and ask to speak with Carlos Vargas about his business coaching! He is available to help you get your business running and will help you take it to the next level.

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How Do I Know if My Car is Eligible for Classic Car Insurance?

Posted on by agentinsure

There is nothing quite like seeing a class car rolling down a city street, especially when it is contrasted by a mass modern vehicles. Antiques exude a class and elegance that are seem to be lacking from most cars manufactured nowadays. This is why it is important to protect and preserve classic cars that have survived the test of time. Many have a special place in history, such as a Ford Model T. If you are fortunate enough to own a classic car, be sure to consider purchasing an insurance policy that will specifically cover your prized vehicle. Vargas & Vargas Insurance in Dorchester, MA will be able to give you more information on classic car insurance and let you know if your car meets the qualifications.

Classic Car Insurance Eligibility

In order to qualify for classic car insurance, your vehicle must meet certain requirements. It can either be classified as a ‘classic car’ or ‘antique car.’ Here are the distinguishing factors between the two categories:

  • Classic car – A vehicle that is 10 to 24 years old with historic interest, such as a muscle car or hot rod.
  • Antique car – A vehicle that is 25 years or older with historic interest.

Additionally, you must be able to prove that your vehicle will be used on a very limited basis, that it has been preserved in its original condition (or in the process of being restored), and that it will be stored in an enclosed building or storage unit.

Whether your classic car holds sentimental value for you or restoring antique vehicles is a just a hobby, it important to protect its worth. It would be a shame for an unforeseen incident to destroy a piece of history that you hold so dear. Contact Vargas & Vargas Insurance in Dorchester, MA if you are interested in learning more about classic car insurance.

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Morning Motivation – Week of January 14, 2019

Posted on by cvargas

Happy Monday to you, friend!

I have another great quote for you this week, as well as my continuation of last week’s message!

Just a few days ago, Twas the Day Before Christmas

I went to some real live brick and mortar stores for a few stocking stuffer gifts for Kathy (we stopped exchanging gifts years ago) and found that most retailers had all but given up. Target was dirty and their shelves were filled with big open gaps of “I don’t care.” Kohl’s was the same. All kinds of places looked like they weren’t even going to try to keep up with the intent to look vibrant and ready for business.

But Amazon was ready! They wanted my business, and they were ready to show me how fast they could deliver (literally and figuratively). Lots of other places that weren’t Amazon did okay, too. They acted big and ready.

And then this other store said, “We’re out until January 3rd, so if you place any holiday orders now, they’re not arriving before mid-January.” And this was online retail. Well, okay then!

The World Changes Every Day

That may sound scary and daunting, but it’s no more scary than deciding what you want to eat from day to day. There are plenty of variables in life, it’s not too scary. You just have to commit to the mission and the goal of your business more than the straightforward practice.

If you want to win, the big plan is to serve your customer or buyer in some very vital way. Everything you put in place for your operation then must be in line with their needs.

Why did subject lines on newsletters and blog posts change? (Did you read my message last week?) It was because people are too “busy” (or so they say) to click if your link says “Best business tips ever.” You’ve got to give them even more reasons to open.

That’s what’s true in all of all this. It’s all in service of your buyers in some way, and whatever you’re doing that doesn’t serve that or that doesn’t better increase your capabilities for that is probably wasted effort.

Happy New Year (how long can I keep wishing Happy New Year?), Happy Monday and happy new selling year!

I’m here for you.

Carlos


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Recap: What Does Home Insurance Cover?

Posted on by cvargas

“The best we can do is size up the chances, calculate the risks involved, estimate our ability to deal with them, and then make our plans with confidence.”

– Henry Ford

To protect your home, you have a home insurance policy – but do you know exactly what coverage is a part of your policy and what risks you may be more susceptible to? Every insurance policy is different, but there are a few basic coverages that you can expect.

Your home insurance will likely cover:

  • Damage done to your home or property due to perils stated in the policy.
  • The possessions of you and your family, including those not kept at your home.
  • Liability issues arising from injuries taking place at your property.

On the other hand, coverage for the following probably won’t be included:

  • Flooding caused by excessive rainfall or other natural disasters.
  • Earthquakes – some experts say that Boston could be hit by another significant one in the future!
  • High value items including fine jewelry, antiques, and collections.
  • High-risk items like trampolines or pools, or liability issues due to dog breeds deemed ‘high-risk’ by insurance providers.

The only way to find out exactly what your policy includes or doesn’t include is to talk to your Boston insurance agent at Vargas and Vargas Insurance Agency by calling 617-298-0655. We can comb through your policy and let you know if you have the right amount of coverage and recommend any additional protections that you may need.

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