Vargas & Vargas Insurance

1133 Washington St
Dorchester, MA 02124

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Befriending Your Homeowners Association

Some folks would rather not deal with a Homeowners Association in the first place. If you’re a very private person, you’re probably not likely to buy a suburban house or a condo. You’d probably prefer a ranch style home out in the mountains. If you like being where the action is, if you love your condo, if you like living in a neighborhood of green lawns and pretty houses, you’re going to have to learn how to get along with your HOA. Here are some tips:

Get A Great Insurance Policy

If you live out on your own land and a window breaks, you can go ahead and cover it with a sheet of plastic until you have time to fix it. If you’re part of a Homeowners Association, they’re going to want you to get it fixed ASAP. When talking with Vargas & Vargas Insurance, try to find an insurer that works quick to get you the money you need should something go wrong.

Fraternize!

The HOA’s in Dorchester, MA like it when you’re friendly. Ask them how it’s going when you see your neighbors walking around. Invite them to your barbecues. A few hours of socializing can help to ensure that they weigh in your favor any time there’s a problem.

Invest in Curb Appeal

Part of the appeal of condos is the uniform look from one home to the next, but once you’ve checked with your HOA guidelines, you shouldn’t hesitate to spruce the place up a bit. Your HOA wants nice looking homes to keep the property values up.

There are a lot of places to live in Dorchester, MA. A condo community with a HOA have a lot to offer, and a policy from Vargas & Vargas Insurance can keep you in their good graces.

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“Run Your Week Like You Are Dancing On The Edge Of A..

Everything is NOT important, right?. I’ll even go one step further, everyone is not important. At least not as it relates to you and your business, and your life as a whole.

Our son, Matthew just stopped by to spend a few minutes with Kathy and I before he leaves for his honeymoon in the morning. Before Matthew left our home, he told me a story that gave me the idea for this Message – before Matthew left his branch at #EnterpriseRentACar tonight, he had a meeting with his assistants and support staff and advised them to take some risks this week. He said that he left them with this message;

“Run your week like you are dancing on the edge of a razor blade while trying not to get cut.”

As business owners, you need to take some risks, and it’s the little things that make a big difference. That’s true in marriage, parenting, and in marketing yourself as a mortgage, real estate, legal or any professional. In truth, it’s important in every business. Too often we get caught up in the “thick” of “thin things” and we lose touch with what really drives success in our business.

As we all know, being a loan officer, real estate agent, attorney, solopreneur, or business owner is not easy, BUT having the knowledge and tools to succeed makes running a smooth sailing ship an attainable goal. How many days have you been at the office until 8 pm? How many weekends have you worked when you shouldn’t have? Do you feel like you’ve been running around all day but have not actually done anything you set out to do in the morning? As business owners, these are questions we have all answered “yes” to at some point. But why? Because we don’t have the right mindset to create the job we want vs. the job we have.

In every profession, there are cardinal sins that take you off track and derail your success. Over the next few emails, I will be sharing the marketing sins many of us commit and will help you implement some tips to turn your downfalls into productivity! My challenge to you is to take one or two sins that you’re committing and focus on improving them. When you’ve got them nailed, move on to another sin and overcome it. Business success usually results from the commitment to making small incremental improvements over a long time.

Sin #1: Working “IN” Your Business Instead of “ON” Your Business!
I was working with a friend that I mentor who was in a sales slump. He was putting in a lot of time at work, but was not seeing any results from his efforts. I decided to perform a very simple diagnostic: I asked him to email me a detailed list of all his activities for the next three days and then give me a callback. He did his homework and I received the email listing all his activities and how much time he spent on them. With an immediate glance, I could tell exactly what his problem was — he didn’t realize what business he was in. After reviewing his activities, it was clear that he had become a “Fireman” and was too busy “putting out fires,” because that’s where he spent most of his time. Rather than working “on” his business, he was working “in” his business. The key here is to concentrate on the “non-urgent — but important” tasks and NOT on the “urgent — but not important” tasks.

This mortgage professional (and, maybe you) should be spending more time working “on” your business doing things like proactive sales and marketing activities, which have a higher long-term payoff.

How can less be more when it comes to working? Well, that statement is true, and I would love to show you how to accomplish twice the work in half the time, and reduce your stress in the process. The secret is Pareto’s Law, or the 80/20 Principle – a core foundation of success in business, and in life for that matter.

Now go out and enjoy the rest of your week!

Carlos

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Tips for Buying a New Car in Massachusetts

Are you in the market for a new car? Massachusetts shoppers should know that buying a new car is exciting, but the process can be complicated and is sometimes stressful. In order to be prepared for your new car shopping experience, review these four car buying tips:

  • Just like going to the grocery store, you should never go to a car dealership on an empty stomach. Test driving and making a car purchase can be a lengthy process, and you don’t want your state of mind to be altered by hunger.
  • Pick the most opportune time to go shopping. You want to hit the dealership when they are looking to meet quotas – often around the end of the month. At that time, they are more likely to give you a great deal.
  • Before you even think about going to a dealership, know the market prices for the cars you’re interested in. You should also look into loan rates at your bank or credit union to know if what the dealership offers is good for you.
  • Monthly payment isn’t everything. Often, the dealership’s representative will talk to you in terms of your monthly payment. Make sure that you also ask about the loan term, interest rate, and total cost.

Also, don’t forget that insurance expenses are a part of car ownership in Massachusetts. If you would like to know an estimate of insurance costs based on the vehicle makes and models that you are considering, call Vargas and Vargas Insurance Agency at 617-298-0655 – we will give you a Massachusetts car insurance quote so that you are better prepared for your shopping adventure.

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Create a Family Emergency Plan

Hurricane season is in full swing here in New England – are you prepared? One of the best ways to make sure that you and your family are ready in case of an emergency is with a family emergency plan. If you don’t have one, here are some things that you should think about and decide:

  • Designate one out-of-town family member or friend that each person in your family can contact if there is an emergency. This person will be in charge of making sure that everyone is safe and act as a liaison between family members if needed.
  • Every person in the family should know the out-of-town contact’s phone number, as well as one phone number for each member of the family. “It’s in my phone” doesn’t count – these numbers should be memorized so that they can be accessed from anywhere.
  • Designate two meeting places in case of an emergency. One should be local – somewhere within a few miles of your home. The other should be further away in case of a more widespread disaster. Also make sure family members know the location of the closest shelter in the area.
  • All family members should know the locations of family emergency kits – including those in the home and in vehicles. Make sure everyone knows what is in the kits and how each item should be used.

Make sure that you are doubly prepared by keeping the Vargas and Vargas Insurance numbers among your emergency contacts. By having our office number (617-298-0655) and our after-hours line (617-322-5289) with your other numbers, you will be sure that you are able to get a claim going right away on your home, auto, or flood insurance policy if you need to do so.

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Massachusetts Traffic Safety Initiatives

 

We are all so lucky to live in the great state of Massachusetts. But I think there’s one other thing we can all agree on – traffic is sometimes (if not often) a mess. If you’ve ever encountered a traffic jam and thought you may never make it to your destination – fear not… you’re not alone. Thankfully, there are many traffic programs here in Massachusetts that are aimed at making the roads better for all drivers. Here are three examples of these traffic safety initiatives:

Click It or Ticket

Did you know that the national average for seatbelt use is 90%? However, Massachusetts has one of the worst seatbelt use cases – 78%. In order to raise the state’s seatbelt use to be closer to the national average, the Highway Safety Division has been using the Click It or Ticket campaign since 2002. It has worked wonders, and has greatly increased seatbelt use and the number of serious injuries and fatalities associated with vehicle accidents.

Drive Sober or Get Pulled Over

In 2014, 40% of Massachusetts traffic deaths were a result of impaired driving. In order to lower the number of intoxicated drivers, Massachusetts began the “Drive Sober or Get Pulled Over” education and enforcement campaign, targeted at men aged 21-34 – the most likely group to drink and drive.

Move Over Law

First responders and police officers are hurt and killed every year while providing aid in emergency situations. In 2009, the state of Massachusetts aimed to keep these people safe by implementing the “Move Over Law,” which requires drivers to move into the next available lane (or, if no other lane exists, to reduce their speed) when emergency vehicles or personnel are present.

For more traffic safety tips, make sure that you follow the Vargas and Vargas Insurance blog. We love to post articles that will help to keep you and your loved ones safe while out on the road. And the next time you’re looking for a fair and honest auto insurance review, call our agency at 617-298-0655. We can help you save money while ensuring that you and your vehicle are protected in case of an accident

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Back to School Tips for Busy Families

Summer has flown by, and it may be hard to believe, but Boston Public Schools start on September 7th! If you’re like most parents, you want to make the transition from summer vacation to “Back to School” as seamless as possible. Here are some tips on preparing your kids (and yourself) for the new school year:

  • Start easing into new bedtimes and wake up times gradually – preferably over the course of a week or more. Nothing will throw a child off more than an abrupt schedule change.
  • If needed, make sure to schedule your child’s yearly physical ahead of time. This will help you beat the hoard of people that wait until the last minute to update vaccinations or get athletics physicals.
  • Before you go “Back to School” clothes shopping, go through your child’s existing wardrobe and donate or sell what doesn’t fit.
  • Make sure that young children have positive anticipation about the first day of school by setting expectations that include seeing and making friends and learning about fun subjects.
  • Discuss with your child the importance of homework, and create a distraction-free workspace together. Ideally, this is somewhere quiet and well-lit. Older students may need access to a computer. Younger students that don’t have homework on a particular night can be encouraged to read, or self-study about a topic that interests them.

If you want to continue to prepare your family for the year ahead, call Vargas and Vargas Insurance Agency for a review of your Massachusetts home and auto insurance policies. A few minutes of your time and you will be able to update your policies and maybe even find a new discount – so call 617-298-0655 today!

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Interview with Bobin Nicholson from Eye & Eye Optics

Hello, everyone! I would like to share with you a few snippets of an interview I recently did with my friend Bobin Nicholson over at Eye & Eye Optics. Bobin and his establishment are the best eyewear boutique in Dorchester – Eye & Eye Optics is the place to go if you need an eye exam or a new pair of glasses.

Carlos: Hello, Bobin! How are you doing on this lovely day?

Bobin: Hi, Carlos – I’m doing great. Loving the summer weather.

Carlos: It has been great, hasn’t it? So, let’s get right down to business… tell me a little bit about Eye & Eye Optics.

Bobin: Well, we’re an eyewear boutique on Dorchester Avenue. We sell glasses and contacts, and we can do eye exams. We’ve been around since 2010, and we’re looking forward to many more years here in this great neighborhood.

Carlos: This really is such a wonderful area, and we love that you’re a part of it! I talk a lot about how important it is to ‘buy local’ – why is supporting the local economy important to you?

Bobin: When someone buys their glasses from a local shop like Eye & Eye Optics, they are receiving the expertise and quality of service that isn’t found online or at a glasses chain store. Keeping dollars in the local economy is also an important part of helping Dorchester thrive.

Carlos: So, I know that you keep up with all of the current eyewear trends and styles. What is your favorite trend in glasses?

Bobin: Glasses used to be so boring – now you can find them in all shapes, styles, and colors! I like to mix up my glasses. Some days I wear more traditional frames. Other times I feel like something funky and fun. To me, it’s all about thinking of glasses as an accessory to your outfit.

Carlos: That’s a great point! I tend to be rather conservative with my glasses. If someone wanted to try something new, what would you suggest?

Bobin: I would probably start by playing with color. Branch out from the typical black and try blue or red, or something with a little sparkle. I have a pair of white glasses that I wear – you would be surprised at how many outfits they go with.

Carlos: Hmm, that’s all the questions I have. If someone wants to get a hold of you, how should they do that?

Bobin: Well, we’re open six days a week at 2271 Dorchester Avenue and they can always drop in during business hours to look at frames. If they have questions or want to schedule an appointment with our on-site opthamologist, they can call us at 617-296-0066.

Carlos: Thanks again for your time, Bobin. Have a great day!

So, if you’re in the market for a new pair of glasses, or if your eyes need their annual checkup, Bobin is your guy! Eye & Eye Optics is a premier eyewear boutique here in Dorchester, and they have glasses to suit every style.

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How to Get Better Gas Mileage

Have you ever looked at your car’s gas gauge only to realize that it’s time for another fill-up? That glum feeling of needing to refuel doesn’t happen to just you – many people think that they spend more than they should on gas. If you’re looking to get the most of your fill-ups, use these tips:

  • Take more efficient trips – instead of going out several times in a week to run errands, try to combine your trips so that you’re travelling fewer miles and using less gasoline.
  • Maintain proper tire inflation – your car will be able to use its fuel more efficiently if its tires are inflated to the manufacturer’s recommended PSI.
  • Keep your car tuned – engine tune-ups can ensure that your car runs at its best and therefore uses less fuel.
  • Don’t carry excess weight – every extra few pounds in your car will mean your car uses more gas to accelerate and maintain speed, so decluttering your car could save more than your sanity.
  • Use good driving habits – aggressive driving has been proven to waste gasoline. This means that defensive drivers could spend less at the pump. In addition, avoiding rapid acceleration and not speeding can further improve your gas mileage.

To save even more, call Vargas and Vargas Insurance Agency for an auto insurance review! One quick and painless call to 617-298-0655 could save you money on your Massachusetts car insurance premiums. We will also check to ensure that you are getting all of the discounts that you deserve. Don’t put it off any longer – call now!

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Flooding: What to Do Before, During, and After

You never know when a flood will strike. Hurricanes often bring flooding, and flash floods can happen at any time. Make sure that you’re prepared for the chance of a sudden flood, know how to stay safe during the event, and know how to deal with the fallout of a flood with these tips:

  • Before – Make sure that you have a well-stocked emergency kit and a family disaster plan. When a flood is forecast, keep up with the weather news. If you have time, you may choose to move valuables and hazardous materials to higher levels of your home, and disconnect electrical appliances (but only do this if it is safe!). Depending on the severity of the forecasted flooding, you may want to evacuate the area.
  • During – Continue to monitor news about the flood. Once the flooding starts, don’t travel unless you have to, and never drive on flooded roads. If you are advised to evacuate, do so in a safe and timely manner. In short, find high ground and stay there until you are told by officials that it is safe to leave.
  • After – Do not enter any building that is still flooded. If necessary, have your home checked for structural damage by a professional before you enter. Homes that have been affected by floods are sometimes unsafe – when in doubt, ask for professional assistance. Make sure that you call your Massachusetts insurance provider right away to start the claim process.

You may be surprised to learn that your Massachusetts home insurance, condo insurance, or renter’s insurance doesn’t cover flooding. For that, you need a special flood insurance policy or rider. Call Vargas and Vargas Insurance at 617-298-0655 today to find out how affordable this critical coverage is

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How to Make the Most of an Afternoon Nap

It is truly unfortunate that napping is associated with laziness in today’s society. In truth, there are many benefits to polyphasic sleep, including lower stress levels and increased mood. Whether you need an emergency nap on a busy day, or you make it a point to get a snooze in every day, ensure that you get the most out of your afternoon siesta with the following tips:

  • Limit your nap to 20-30 minutes. This length has been proven to increase alertness without inducing grogginess or sleep inertia.
  • Choose your environment wisely – a nap while riding the T will never be as restful as one on a quiet couch or bed.
  • If you have trouble falling asleep for a nap, try using meditation techniques like breathing exercises to calm your mind.
  • Combine the benefits of napping and caffeine by having a coffee right before a short nap. When you wake up, you should be feeling the effects of both for a double boost!
  • Lavender is a scent that naturally lowers heart rate and blood pressure, so it can help you relax before you attempt to drift off.

Once you awaken from your nap, you will be more alert and ready to take on any task. Similarly, here at Vargas and Vargas Insurance Agency we are ready to help you with all of your insurance needs! Call 617-298-0655 to speak to one of our agents about a free and no-obligation review of all of your insurance policies – we can make sure that you are fully covered and that you’re not overpaying for your policies. Sweet dreams!

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Low Cost Marketing Ideas for Your Small Business

One of the most-asked questions from small business owners is this: How do I market my business without spending a fortune? Thankfully, there are lots of potential customers out there for you, you just have to know how to find them. Here are a few tips for getting the word out about what you offer without breaking the bank:

  • Word-of-Mouth advertising is free! Just ask your customers if they are happy with the service that you provided and ask them to let their friends, family, and co-workers know about your business, and the word may start to spread.
  • Leverage Social Media – depending on the type of business you have, you can consider using many social media platforms, including Facebook, Twitter, Instagram, Pinterest, and more.
  • There are many local events going on in the Greater Boston area all year round. Ask to be an event sponsor or volunteer to help out in order to both aid the community and gain exposure for your business.
  • Running a contest could encourage your current clients to spread the word about your business – just make sure to spread the word both in person and on your Social Media.
  • Ask for reviews on Google and Yelp. If a customer is satisfied with your business, let them know that it would be a huge help to you if they would post a review of your business on websites like Yelp and Google. After all, those sites are a major influence on potential customers!
  • Leverage your friends, family, coworkers, really anyone that you have met in the past, typically referred to as your top 100, or executive 200, I call it working your Dunbar’s 150, leave a message below and I can share with you more details.

Here’s another tip on how to save your small business some money: talk to a Vargas and Vargas Insurance agent about your Massachusetts small business insurance. We can get you the insurance coverage you need while making sure that you get the discounts you deserve – so call 617-298-0655 today for your free quote.

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How Much Life Insurance Do You Need?

It’s easy to talk about home insurance and car insurance, but life insurance can sometimes be a touchy subject. No one wants to think about what would happen if and when they die, but the insurance coverage that you can get from a Massachusetts life insurance policy is a vital part of ensuring that your loved ones are protected.

When calculating your life insurance needs, there are several factors to consider. Often, people will make sure that there is enough coverage for funeral and end-of-life expenses. In addition, you should consider including coverage to make up for your income, as well as other services you provide for the outcome (including childcare). You may also want to include extra benefits to cover college expenses for children, or for an end-of-life gift to your favorite charity.

It is also important to remember to update your life insurance policy as your needs change. Often, an annual life insurance review is enough to ensure that you are always prepared. If it’s been a while since you talked to your agent about your life insurance, you may want to call for a quick chat about what has changed in your life.

If you want your life insurance policy evaluated by a Massachusetts life insurance professional, just call Vargas and Vargas Insurance Agency at 617-298-0655. We can assess your needs and make sure that your policy will cover your loved ones in your worst-case scenario. We can also help you understand the difference between term life insurance and whole life insurance, and in which scenarios each of these policies is useful. Don’t put off talking about your life insurance needs – call us today.

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I’m In Love With Many Things…

“Live as if you were to die tomorrow. Learn as if you were to live forever.”
-Mahatma Gandhi

Thank you to everyone who showed their love by replying to last week’s message!

Your feedback and responses have been incredible, AND I am so looking forward to having coffee with you and will reach out to everyone else by the end of this week to schedule a time for us to meet.

I’m glad last week’s emails resonated with so many people!

I am a man in love. I’m in love with many things, and a few people. And I’m also in love with learning – it’s what makes my ‘business-me’ work well.

I’m drinking a Starbucks “Clover Pressed” Panama Carmen Estate Reserve Blend at our local Starbucks shop (I find that I sometimes work better here than at home or the office, it helps me to pause and people watch). What’s in your cup?

I asked in last week’s message, “How are you feeling about your year so far?” I am feeling pretty good about my year… the summer is here, which in my book has always meant that the workload scales back a notch or two and Kathy and I get outdoors more than ever, and all of the meet and greet family and friend events are starting, of which I try to not miss any.

Lately, I’m learning from people who push beyond average. The time for average is over. I am learning from people who live simply but with impact. I’m learning how clarity and the value of integrating your life around the alignment of your mission, your goals, and the targets related to those two points matters a lot more than which social network you use.

We are wasting so much energy in turbulence instead of in forward motion. We are drowning ourselves in distraction (Trump, Russia, impeachment, etc.) and are avoiding facing the work that we must do. We’re still chasing the shiny and new when what we need most are the basics. We are seeking every possible opportunity to lie to ourselves, coddle ourselves, or make excuses.

There are plenty of employees and passive people roaming the planet that are just waiting for “the man” to ruin their lives more so that they will have something new to complain about. But you’re an owner/entrepreneur. Even if you’re an ‘employeepreneur,’ your belief is that you own your choices affect your own your life, and you aim to own your future.

We strive to build our capabilities through learning and executing on that knowledge so that we can be of better service to the people we have the opportunity to serve.

What’s right for you? Even if you’re not sure, I know this: learning is a part of the menu, and it must be. Every day.

Since starting down the path of helping others, I’ve learned that it’s important to be relationship-minded. I’ve learned that, like with all industries, there are good and bad examples. I’ve learned that my concept that “we are all salespeople” is absolutely true in marketing. And I have learned that many self-employed/entrepreneurs are happy to “just be,” rather than growing their knowledge or brand.

Right now I am reading two books, my summer enjoyment reading is Winter of the World by Ken Follet and to stay sharp and continue learning, Fanatical Prospecting by Jeb Blount.

That’s all I have for today. I’m finding myself drawn to people seeking the next level. Those who are making excuses or who feel they’ve already figured it all out aren’t that interesting to me. I’m sure they’re nice people, but I’ve only got 50 years left on this planet (if I’m very lucky) and I’d rather spend it with people who care.

And thus, I end where I began – What you learn matters. Do you agree?

What are you learning?

Carlos

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Tips for Buying Your First Condo

Condominiums are one of the best-kept secrets of the real estate world. When looking for a new home, some people still only consider buying a house or renting an apartment, without realizing that purchasing a condo may be the perfect balance between the two – allowing you to have the ‘best of both worlds.’ If you’re in the market for a condo in Boston, check out these buying tips:

  • Hire a professional Real Estate Agent to help you with your search. If you need a referral, please let us know so that we can connect you to a top-notch agent in the area.
  • When you’re looking for a unit, make sure that you consider resale value. More bedrooms and bathrooms, scenic views, and better school districts are just a few of the features that will make your condo more appealing the next time you look to move.
  • Consider the amenities offered at each condominium you tour. Does the complex have a gym? Laundry facilities? Rentable event space? These are all important things to think about when making your decision.
  • Before you make a final decision, make sure that you are clear on the extra fees associated with the unit you choose. Condos often have monthly maintenance fees, and some will charge property taxes separately.

Once you’ve found your perfect Boston condominium, make sure that you call Vargas and Vargas Insurance Agency at 617-298-0655 to get a quote on Condo Insurance. This policy is tailored specifically for the needs of a condo owner, and will cover your personal belongings, your unit, and anything else not covered in your association’s master policy. For more information, or if you have any questions, simply call our office and speak to an agent!

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The ‘ABC’s of Boating Safety

Summer is finally here, and that can only mean one thing – it’s the perfect time to take your boat out and enjoy the water. So, grab a friend or family member and hit the deck! But first, make sure that you brush up on your boating safety with these quick ‘ABC’s of Boating Safety:

  • A – Avoid Alcohol: It is important that the person operating the boat is not impaired. Leave your alcohol ashore, especially since the effects of alcohol are exaggerated by sun exposure.
  • B – Be Prepared: You should always do two things to prepare for a boating trip in case of an emergency – make sure that someone on land knows your plans, and communicate your emergency plan to everyone on board.
  • C – Common Sense is Key: When you’re boating, make sure that you listen to your gut instincts. Don’t overload the boat with passengers (or gear), cut your trip short if you start to sense that a storm is brewing, and always carry the right safety equipment when you go out on the water.

Make sure that you share these safety tips with your friends and family as you prepare to take a trip out onto the water. And remember, if you want to talk to an insurance professional about the best way to protect your watercraft, call Vargas and Vargas Insurance Agency at 617-298-0655, text 617-409-0329, or email us. We can get you a quick and hassle-free quote for Massachusetts boat insurance so that you can spend less time on the phone and more time out on the water!

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Life Insurance: Term vs. Permanent

 

When people are alone, they don’t even think about life insurance, but as soon as there is a loved one, family, or a partner, then the idea begins to make a lot more sense.

The first reaction is often the most common; to take out a term life policy. This plan is the most basic form of life insurance, providing coverage for a set period once the customer has been approved. However, even though these plans can go for as long as 30 years, at the end of that period, they end with nothing left for the customer. Then the person either needs to take out a far more expensive plan due to age or walk away, according to Vargas & Vargas Insurance.

With permanent life insurance the customer gets a double benefit. First, there is the primary interest, coverage that provides a financial safety net for loved ones if something happens to the customer. Second, a permanent life insurance plan doesn’t expire or end as long as the customer wants to maintain it. Finally, there is a savings component where some of the money paid into the plan as a premium goes into a savings account. The customer can then access this account in later years or ensure it goes to a partner or beneficiary, providing ready cash at a time when income is limited in the future. Granted, the permanent life insurance approach costs more due to the increased benefits, but the customer retains more of the value overall.

To find out more about how life insurance works, the experts at Vargas & Vargas Insurance can help those in Dorchester, MA with questions or concerns. We have handled multiple policies over the years and are up to date on all the latest aspects of life insurance plans available.

 

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Weight Loss Tips for Your Bikini Body

Bathing suit season is here once again. If you’re getting ready to hit the beach or go out on your boat, you may be thinking about how to lose those extra pesky couple of pounds that you gained over the winter. When it comes down to it, weight loss is all about calories: burn more calories than you consume, and you will lose weight. However, this is sometimes easier said than done. Here are a few tips that will help you consume less calories (and burn more):

  • Cut out drink calories: You may be surprised how much juice, soda, and alcohol calories add up! Drinking low-calorie beverages like water, tea, and black coffee is a great start to any diet.
  • Portion control: Instead of giving yourself a giant serving, use a smaller plate to cut back on the size of your meals. Tell yourself that you can always go back for seconds, but odds are you won’t need to.
  • Increase your protein intake: Protein makes you feel fuller longer and boosts your metabolism. Chicken, eggs, avocado, and almonds (among other foods) are great sources of protein.
  • Take the stairs: In addition to eating less, take even small opportunities to burn a few extra calories. Take the stairs, park in the back of the lot, or take a short walk during your lunch break.

If you’re planning on heading out on your boat or watercraft this summer to show off your swimsuit body, first call Vargas and Vargas Insurance Agency at 617-298-0655. We can help you with your boat insurance needs, and much more! And remember, stay safe while you’re out on the water!

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Where Are You Now? A Half-Year Check-In On Your 2017 Goals

 

“Vision is a destination – a fixed point to which we focus all effort. Strategy is a route – an adaptable path to get us where we want to go.” -Simon Sinek

Can you believe that the midpoint of 2017 is almost upon us? If you look back on the first half of this year, did you get done what you wanted to accomplish? How many of your goals are you hitting or have you abandoned? How are you feeling about your year so far? Pull up a chair and a mug of something warm and let’s talk about it. I’ve sitting outside enjoying a delicious organic coffee from my friends at Plate Restaurant and one of their “chubbs” What are YOU drinking? Leave a message below and let me know.

Deliberate Living
When I looked at my business over 13 years ago, I came to a realization: I wasn’t really working as tightly to my plan as I had wanted. And as you know, I do a yearly goal alignment exercise at the beginning of the year and now I have started also looking mid-year at my progress with my goals.

We all get flustered – something fails, we end up feeling like we can’t make it all work, or we set our goals so high or they are so varied that we can’t possibly hit them. Have you heard that expression “You can’t be a servant to two masters?” I’ve been thinking a lot about that. I want to give you a quick run-through of how I’m handling this and what I’m doing to make 2017 my strongest year ever.

Remember my email message last December that said this on setting goals:

Make them “SMART.” This is an acronym, as you probably know, and it is interpreted in various ways by different teachers. When I refer to SMART goals, I mean goals that meet five criteria. They must be:

  • Specific—your goals must identify exactly what you want to accomplish in as much specificity as you can muster.
    • Bad: Write a book.
    • Good: Write a book proposal for The Life Plan Manifesto.
  • Measurable—as the old adage says, “you can’t manage what you can’t measure.” If possible, try to quantify the result. You want to know absolutely, positively whether or not you hit the goal.
    • Bad: “Earn more this year than last.”
    • Good: “Earn $5,000 more this year than last.”
  • Actionable—every goal should start with an action verb (e.g., “quit,” “run,” “finish,” “eliminate,” etc.) rather than a to-be verb (e.g., “am,” “be,” “have,” etc.)
    • Bad: Be more consistent in blogging.
    • Good: Write two blog posts per week.
  • Realistic—you have to be careful here. A real goal should stretch you, but you have to add a dose of common sense. I go right up to the edge of my comfort zone and then step over it. (If I am not out of my comfort zone, I’m not thinking big enough.)
    • Bad: Qualify for the PGA Tour.
    • Good: Lower my golf handicap by four strokes.
  • Time-bound—every goal needs a date associated with it. When do you plan to deliver on that goal? It could be by year-end (December 31), or it could be more near-term (September 30). A goal without a date is just a dream. Make sure that every goal ends with a ‘by when’ date.
    • Bad: Lose 20 pounds.
    • Good: Lose 20 pounds by December 31st.

Reevaluate your own goals for 2017
If I were thinking through the categories of how I’d change my goals for 2017, this is what I would all myself:

  1. Where am I now?
  2. Where do I want to be?
  3. What do I think is missing/needs improvement?
  4. What do I already know?
  5. How can I reach my goal?
  6. What needs to be in place to stay consistent?

I hope that these questions are helpful. Work through them and you’ll see that it helps in lots of ways. Use it however you see fit. It’s how I’m starting my mid-year goal review exercises to prepare for the remainder of 2017.

I’m looking forward to living deliberately from my plan, and my plan involves serving you to the best of my ability. Help me stay accountable? Please help me understand how best to serve you – please leave a comment below.

And know that you are loved.

Hope to see you around the neighborhood!

C

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Preparing to Sell Your Home

If you’re thinking of leaving the Boston area, or if you’re just upgrading to a new home, you need to get your home ready for market. With the help of a top notch real estate professional, you can have your home ready to show off to potential buyers in no time. To start preparing a little early, use the following Realtor-approved tips:

  • Curb appeal is crucial – make sure that your lawn is manicured, and touch up paint if necessary. Outdoor furniture and windows should be clean, and shrubbery and flowers should be pruned.
  • You want to make sure that your home feels spacious, so put away clutter. If you’re planning on moving, you can start packing away anything that you won’t need in the near future so that your home feels roomier.
  • Are there any repairs that will need to be done before your home sells? Get a start on those now – some sellers won’t like the idea of buying a home that needs repairs. For an idea of what needs to be done, ask for the help of a licensed home inspector.
  • When buyers tour your home, they will need to be able to envision living there. Help this process by depersonalizing the space – remove family photos, toys, and pet items from view.

And remember, when you do sell your home, talk to your Vargas and Vargas Insurance agent about how to cancel or transfer your existing Massachusetts home insurance policy. We are happy to answer any and all of your questions, and we will work hard to make the home insurance process as easy as possible for you and your family.

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Do I Have to File a Claim?

FAQ: Do I Have to File a Claim?

We’ve all been there – you have a very minor issue with your home or car, and you think “I can handle this on my own… Do I have to tell my insurance company?” While it’s true that the answer depends on many factors (including your insurance provider and the terms of your coverage) here are some thoughts that can help you navigate this confusing situation:

Check your policy conditions –  there may be language within that requires you to submit a claim. If you fail to notify your insurance provider about any occurrence that may result in a claim, you could be in violation of your policy condition, which could result in forfeiture of coverage for the incident in the future. This means that if the situation turns into more of a mess at some point, you may be up a creek without a paddle!

Most people would agree that it’s better to submit a claim from the onset rather than risk the potential of having no help from your insurance provider if the problem gets more complicated.

As you know, Vargas and Vargas Insurance Agency is always available if you need to make a claim on one of your Massachusetts insurance policies. There are many ways to contact us – call 617-298-0655 during office hours, call our 24/7 line at 617-322-5289, text 617-409-0329, or email us. We will always do everything in our power to ensure that you are satisfied with your insurance experience, so let us know if there is anything that we can do for you!

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