Four Green Habits that Will Save You Money

Name: Vargas & Vargas Insurance
Address: 1133 Washington St, Dorchester, MA, 02124
Telephone: 617-298-0655

Posted on April 7, 2016April 2, 2017 by cvargas

3.24.16 - Green Habits Img

Did you know that you can help the environment while simultaneously saving yourself money? Here are some tips from the experts on how to cut down on your energy use while you’re at home and on the go. The best part about most of these tips is that they require minimal effort – some only a few moments each day.

Take Advantage of Natural Light

On bright, sunny days, don’t waste energy turning on the lights in your home. Instead, take advantage of natural light by opening your blinds. As an added benefit, getting a few minutes of sunlight each day will allow your body to begin natural processes that help you synthesize vitamin D. Just make sure that you practice sun safety if you’re going out in the sun for more than a few minutes.

Adjust Your Appliances

Are your appliances working harder than they should be? When was the last time you checked the settings on your fridge, or your water heater? Make sure that your appliances are at the manufacturer’s recommended settings so that you’re not wasting energy unnecessarily. For example, your hot water heater should be set so that your water is hot but not scalding when you turn on only the hot tap – otherwise you’re wasting energy heating up water. Likewise, your refrigerator and freezer should be set so that they keep food at a safe temperature, but no lower.

Use a Power Strip to Ward off Energy Vampires

Did you know that things you keep plugged in use some power even when they’re turned off? The very slight energy consumption is called ‘vampire energy’ and it’s easy to remedy. First, if something is easy to keep unplugged when it’s not in use, do so. Then just plug it in when you need it.

Otherwise, use this trick involving power strips – plug several things into a strip, and turn the strip on and off as needed. This is especially helpful for the more wasteful energy vampires, like your television and game consoles. Just make sure to keep essentials (like the refrigerator) running at all times.

Don’t Waste Water

In addition to lowering your energy consumption, make sure that you are aware of your water use as well. There are many ways that you can save water every day, including:

Not running water while you brush your teeth
Plugging leaks in faucets and pipes right away
Install a greywater system in your home
Take shorter showers
Use water efficient fixtures
Only run full loads in the dishwasher and washing machine

Know of another way to save energy or water in your home? Let us know on our Facebook Page about your money saving, environmentally friendly tips!

If you take advantage of even a few of these tips, you will be well on your way to saving energy – which will help the environment as well as your wallet. Want to help out your wallet even further? Call Vargas and Vargas Insurance Agency at 617-298-0655 for an insurance review!

Why to Insure Your Home for More than it’s Worth

Posted on April 6, 2016April 2, 2017 by cvargas

3.21.16 - Home Ins and Value Img

Here at Vargas and Vargas Insurance Agency, we are always happy to answer questions from our customers. We have been in business for many years, and have answered a lot of questions. One of the questions that we get asked most often is “Why should I insure my home for more than it’s worth?”

While it may seem counterintuitive at first, there are actually several good reasons why your insurance is set at such a high level.

First, consider the purpose of your Massachusetts home insurance policy. You get a home insurance policy so that you are covered – even in the direst situation. If your home was ever deemed a total loss, your home insurance would be there to protect you, and it would cover the cost of rebuilding – assuming you have enough coverage. It’s important to realize that the cost to rebuild your home is rarely the same as its market price – often the rebuilding cost is much higher, and that’s the number you need to consider when choosing a home insurance coverage level.

In addition to covering the cost to rebuild your home in the case of a total loss, your insurance should also include enough coverage to clear out debris and damage before the rebuilding begins. This is a costly process, and it’s certainly not something that you want to pay for out of pocket – so it’s included in your insurance coverage.

And that’s not all – your home insurance also covers all of your belongings. So in addition to paying for the cleanup and rebuilding if there is a total loss, your home insurance will reimburse you for either the replacement cost or actual cash value of your destroyed property.

So remember, you should be insuring your home with the cleanup and rebuilding costs in mind, plus the value of all of the property within. Your insurance provider’s coverage recommendation may be very different than the home’s market value, but that is totally normal – your insurance provider is just making sure that you will be fully covered, even in the worst case scenario. If you aren’t fully covered in the case of a total loss, you could find yourself paying for some of the repairs out of pocket, and that can get very expensive very quickly.

One thing that’s important to consider is that the replacement cost of your home is not a static number. As the price of things like building materials and labor change, so too does your home’s replacement cost. That’s one of the reasons why it’s so important to have a Massachusetts home insurance expert review your policy annually to ensure that it’s up to date.

And if you’re worried about the cost of your home insurance policy, just call Vargas and Vargas Insurance Agency at 617-298-0655 to talk about your premium. We can do a complete review of your current insurance policy and make recommendations on how to lower your insurance costs, including how to get discounts through your current provider, or if another provider may be a better fit for your needs. Remember, we’re an independent insurance agency, so we work for you!

How does having a Pool Affect Home Insurance?

Posted on April 4, 2016April 2, 2017 by cvargas

3.02.16 - How Does a Pool Affect Home Insurance

Whether you’re thinking about adding a pool to your existing home or thinking about purchasing a new home with a pool already included, you should know the risks and the rewards of having this feature. While having a pool is a great way to get some exercise, and to cool off in the heat of summer, the simple fact that you have a pool will affect your home insurance, and here’s why:

Safety Requirements

Depending on your local laws, you may be required to have certain safety measures in place for your pool. Check with local zoning officials to find out if you live in an area where safety regulations are necessary. Some insurance providers also require pool owners to have certain safety devices, or offer an insurance premium discount if safety measures are taken.

Safety devices may include, but are not limited to, pool fences with child-proof locking gates, door alarms, water displacement alarms, and safety covers. Tell your insurance agent if you have any of these to find out if you qualify for a discount. And for more great information and tips about pool safety, visit PoolSafely.gov.

Increased Risks

A pool is a great way to cool off and have some fun, but it also represents an increased risk for damage or injury. According to poolsafely.gov, there were 390 deaths of children aged 0-14 from 2011 to 2013. The number of emergency department pool and spa related injuries to children in the same age bracket were nearly 5,000 – at least 47% of which were in a residential setting. Because you are at an increased risk when a pool is present, you need to adjust your insurance coverage accordingly.

To further ensure that you have enough coverage in case someone gets injured on your property, ask your local independent insurance agent about getting an umbrella insurance policy. They are typically inexpensive, but carry coverage that can be indispensable in certain claim situations.

Property Values

It is very important that your home insurance policy accurately reflect the value of your home. As you probably know, having a pool will raise your home’s value, which needs to be accounted for in your policy. And the pool itself is only the beginning. Make sure to evaluate your increase in personal property if you get lawn furniture or any other pool or patio items. Also ask your insurance agent about ensuring that your pool’s equipment is covered. Those pumps and filters can be expensive, so make sure that you’re protected!

If you want to talk to an experienced Massachusetts insurance agent about how much a pool will affect your home insurance rate, just call Vargas and Vargas Insurance Agency at 617-298-0655. We will be able to tell you the estimated cost change and any necessary safety precautions based on your insurance provider. Get balanced coverage at the right price every time with the help of your favorite local insurance provider. And remember – one of the best ways to combat increased risk is with extra insurance protection.

Tips to Stay Cool during a Power Outage

Posted on March 31, 2016April 2, 2017 by cvargas

2.22.16 - Stay Cool in Summer

Unfortunately, power outages are always a threat here in Massachusetts. During the winter, heavy snow can bring down power lines, and in summer strong storms (even hurricanes) can cause a loss of power. It’s important to know how to handle power outages that happen during the year. In this post, we will cover a few tips for how to stay cool during summertime power losses that would otherwise be unbearable.

Stay Hydrated

Did you know that if you’re feeling thirsty, you’re already slightly dehydrated? Everyone needs to make sure that they drink enough water year-round, but hydration is especially important during the heat of summer. If anyone starts to feel dizzy or weak, have them sit down and have a cool drink. If they don’t recover quickly, get medical attention.

Dress for Success

Now is not the time to primp – if you’re suffering through a power outage, pick clothing that is loose-fitting and light-colored. Cottons are great at keeping you dry and cool. A damp towel on the back of a person’s neck can also be a great tool for beating the heat when it starts to get overwhelming.

Get Out of the House

If you have the opportunity to get out of the house, take it! No need to sit and mope about the loss of power and the fact that you can’t watch TV or access the internet. Instead, find something to do either outside (did someone say pool party?) or somewhere outside of the power outage zone. There are plenty of things to do here in the Greater Boston Area – in fact, you may have trouble picking just one activity!

Just remember to follow the rules of sun safety if you do decide to spend the day outdoors. Cover up skin, wear a hat and sunscreen, and know the signs of heat exhaustion and heatstroke. As mentioned earlier, also make sure to stay hydrated with frequent water breaks.

Leverage Your Windows

If your power outage lasts more than a few hours, you may be forced to sleep in a house with no air conditioning. Anyone that has been in this situation will tell you that it’s no fun, especially in the summer months. Make sure that you take advantage of the cool night air while you sleep by opening your windows. Take this a step further by closing all of your windows at the first sign of warm air in the morning, effectively trapping some cool air in your home.

Talk to Your Insurance Agent

If you are suffering due to a power outage, take a few minutes to call your Vargas and Vargas Insurance agent. Depending on your home insurance coverage, we may be able to cover any lost food from your fridge and freezer for an extended outage. If you’re trying to stay cool because of an AC failure, we can see if you are covered for equipment breakdown to cover the cost of repairs. Regardless, it never hurts to call 617-298-0655 and have a chat with your local insurance experts at Vargas and Vargas Insurance.

The Financial Checklist for Newlyweds

Posted on March 30, 2016April 2, 2017 by cvargas

1.26.16 - Newlywed Financial Checklist

You have gone through quite a journey with your significant other just getting to the point that you’re ready to walk down the aisle. At that point, though, the real trip begins. You’ve just committed to spending the rest of your life with someone, so it’s important to set yourself up for success. One of the best ways to do this is with the following financial tips for newlyweds:

Make a Joint Budget

Getting used to coordinate with someone regarding your spending can take some getting used to, but communication about spending and saving is critical to the financial success of a marriage. Even if you decide to keep your finances separate, you will need to discuss how to handle joint expenses, and how you will contribute to savings for your future. Also make sure that you decide on the definition of a ‘big expense’ – a purchase amount that must be discussed and agreed to by both of you. Usually there isn’t a problem spending $20 or even $50, but $1,000 is definitely something that most couples would agree to discuss.

It’s also important to remember that this is not a one-time discussion. Set aside time to discuss your budget and your spending with your spouse, and do it often – the more communication that you have regarding your money, the better off you will be going forward.

Contribute to an Emergency Fund

Speaking of contributing to savings account, you should discuss how much you would like to have set aside in an emergency fund. Experts recommend having between three and six months’ worth of expenses saved for a rainy day. This should include enough to cover your housing, food, utilities, health care, and debt payments.

Balance Your Investment Allocations

Now that you’re married, you have joint financial goals. It only makes sense to take another look at your existing investments to ensure that they are contributing to those goals. You may also want to show your investment allocations to a Massachusetts financial planner. They will be able to assess your desired level of risk and make sure that your investments are balanced and working toward your marital success.

Re-evaluate Health and Dental Insurance Benefits

Once you’re married, you have many options when it comes to health and dental insurance coverage, especially if both you and your spouse’s workplaces both offer coverage options. Take a look at all of your options, considering both the coverage options and difference in pricing. Figure out what’s best for your situation, and make sure that you reassess your situation occasionally – if benefits change, you may be better off switching your coverage.

Check Your Insurance Coverage

As the Massachusetts insurance experts, your local Vargas and Vargas Insurance agent will be happy to guide you through the process of updating your insurance portfolio for married life. We can update your home or renters insurance to cover your spouse’s belongings (also ask about how to add a rider to your insurance to cover your wedding and engagement rings). You can also add your spouse to your Boston auto insurance, and set up or update your disability and life insurance policies to protect your loved one.

RV Safety Tips for Your Road Trips

Posted on March 28, 2016April 2, 2017 by cvargas

Super C Motorhomes - Class C Diesel Motorhomes

Having your own Recreational Vehicle is a great way to take road trips in comfort. If you’ve had an RV for several years, or if you are thinking of getting into the game, we would like to share a few tips that will keep you safe while on the road. As with most aspects of life, a little bit of preparation goes a long way, so take a few minutes to brush up on your RV safety with these guidelines:

Have the Right Tools

Recreational vehicles are larger than the typical car, and that makes it more difficult to plan your route. You need to know the clearance of bridges and tunnels along your route to know whether you will fit under them. That’s where a road atlas made specifically for large vehicles like RVs and semi-trucks can come in handy.

Another important tool to have on hand in your RV is a first aid kit. You never know what might happen while you’re out having RV adventures, so make sure that your kit is stocked with the essentials – especially if you plan on doing any RV camping.

Realize the Value of Maintenance

An RV is like a car and a home in one – and that means that maintenance is doubly important. To make sure that you follow your manufacturer’s recommended maintenance schedule, write it down in your calendar. Make sure to include checking under your hood, as well as your lights, tires, and hitch. Also remember to maintain the living area of your RV, including cleaning your cooking vent and changing the batteries of your smoke detector and checking your fire extinguisher.

Make Your Plans Adjustable

Weather can be dangerous, even for regular sized automobiles. Your RV’s size makes it even more susceptible to the dangers of heavy rain, fog, and ice. If you know that you’re heading for an area that can fall prey to bad weather, make sure to give yourself plenty of time to make the trip. That way you won’t feel rushed, and can decide to postpone your trip if the weather gets bad.

Have a Breakdown Plan

You never expect to break down, but having a plan will make the situation much less stressful if it ever occurs. Have emergency telephone numbers (including the ones for our agency) saved in your cell phone, as well as written in an accessible location in your vehicle. Also make sure that a friend or family member knows your travel plans in case of emergency.

And remember – the best way to protect your RV and its precious cargo is with a Massachusetts RV insurance quote from the insurance experts here at Vargas and Vargas Insurance Agency. One quick call to 617-298-0655 will get you on the path to the protection that you deserve. Don’t even think about hitting the road again without at least calling for a free insurance evaluation from our experts – we can evaluate your current policy and alert you if there are any gaps in your coverage. Don’t leave yourself open to disasters, call our agency today!

Five Ways to Increase Your Household’s Net Worth

Posted on March 25, 2016April 2, 2017 by cvargas

2.01.16 - Increase Net Worth

Your net worth is simply the value of all of your family’s assets. Those people that are living paycheck-to-paycheck probably don’t have a very high net worth. On the other hand, those people that wish to retire comfortably will focus on building their net worth and achieving financial freedom.

If you’re interested in increasing your net worth (and, truly, who isn’t?) here are five ways that you can do so:

Earn More and Spend Less

One of the simplest ways to improve your finances is to leverage your budget. Most people know that spending less means that you have the opportunity to put more into savings. You can also do this by increasing your earning. Ask your boss for that long overdue raise, or explore other earning opportunities. If you do both, you will be well on your way to increasing your net worth.

Reduce and Eliminate Debt

Once you’ve got some extra money around, you can begin putting it to work for you through many different types of investments. Remember, though, that you should also focus on paying down your debts, especially those with high fees and interest rates. When considering your net worth, all types of debt will be deducted. This includes student loans, car loans, mortgages, and credit card balances.

Purchase a Home

Don’t make this decision lightly – owning a home can be a huge commitment. When it comes to net worth, though, owning a home is definitely a plus. Instead of ‘throwing money down the drain’ paying rent each month, you can own a home and build equity in an investment each month when you pay on your mortgage. And when you pay off your mortgage, the value of your home will be a huge part of the net worth of your household.

Maximize Your Retirement Contributions

If you were offered free money, wouldn’t you take it? You would be surprised how many people don’t take advantage of money offered by their employer via a 401K match program. Make sure that you read the fine print of your workplace’s retirement account, and contribute at least the percentage required to receive a full company match – typically somewhere around 3% of contributions. Also remember that the money that you contribute to a 401K is tax deductible!

Protect Yourself with Insurance Policies

Once you’ve begun building your household’s worth, don’t leave it exposed to emergencies. It would only take one accident to completely wipe out all that you have built. Alleviate this stress with an insurance portfolio. Vargas and Vargas Insurance Agency can help you get the proper coverage for your home, car, valuables, and more. Just call 617-298-0655 to talk to one of our expert Massachusetts insurance agents about protecting your assets with top of the line insurance.

To learn more about achieving financial stability and getting on the right road to retirement, talk to a financial planner. Here at Vargas and Vargas Insurance, we have financial planning professionals that would be happy to review your current financial standing and help get you on the right track to financial success.

Small Business Insurance that Every Business Needs

Posted on March 24, 2016April 2, 2017 by cvargas

1.15.16 - Small Business Insurance

Insuring a small business is a complicated affair. Thankfully, you have Vargas and Vargas Insurance in your corner – we will work with you to make sure that you have all of the coverage that you need (and none of the coverage that you can do without).

It goes without saying that every business is different, but in general, every business owner should consider adding the following seven types of business insurance coverage to their insurance portfolio:

Commercial Property Insurance

The first type of insurance policy that almost all businesses need is a commercial property insurance policy. This insurance will protect your company’s property from a wide variety of potential perils, and can also protect your furniture, equipment, and inventory – depending on your needs, of course.

Business Interruption Insurance

What would happen if your business were forced to close due to a natural disaster? Do you have enough savings to cover the bills that you would need to pay in the event that your sales skidded to an unexpected halt? With business interruption coverage, you would have financial protection in these cases so that you could relax knowing that you won’t have to permanently close your doors in these situations.

Data Breach Insurance

Imagine for a minute how much time and money your business would spend recovering from a data breach. It could easily cost thousands of dollars and dozens (if not hundreds) of hours depending on the severity of the breach. While you should definitely implement cybersecurity protocols to prevent any possible breach, also cover all of your bases by having data breach insurance coverage.

Trade Credit Insurance

Does your business run on a credit system? If you have a large Accounts Receivable, you need to have coverage for all of the debts that you are owed, and that’s where this coverage comes in handy – a trade credit insurance policy will insure you against risks like protracted default and insolvency.

Workers Compensation

If your business has employees, then those employees need insurance. Workers can get injured in any line of work, so make sure that your business is protected just in case – workers comp will typically cover medical expenses, lost wages, and much more. Also inquire about getting group benefits for your employees to improve recruiting, retention, and satisfaction in your workplace.

General Liability Coverage

No one expects to be involved in a lawsuit, but unfortunately it’s always a possibility. Don’t let the thought of costly legal expenses keep you up at night – a general liability insurance policy can provide protection in a variety of legal situations. Also consider excess liability insurance for added protection.

Errors and Omissions Coverage

While having general and excess liability insurance provides your business with increased levels of protection, there still may be a few gaps in your coverage. That’s where Errors and Omissions Insurance (aka Professional Liability Insurance) comes in handy – it provides even more liability protection for your business in the case of certain situations, including claims of negligence.

If you’re worried that your small business is missing any of these types of insurance, just call your local Massachusetts business insurance experts at Vargas and Vargas Insurance. One quick call to 617-298-0655 can help you ensure that your business has the protection that it needs.

Keep Your Car Running with This Maintenance Schedule

Posted on March 23, 2016April 2, 2017 by cvargas

2.08.16 - Car Maintenance Schedule

Whether your car is your ‘baby’ or just a way to get from Point A to Point B, you need to make sure that it stays in shape. The only way to do that is with regular maintenance. While it’s true that every make and model of car will have slightly different needs when it comes to their occasional tune-ups, the following maintenance schedule is a good basis for most automobiles.

Whether you perform these tasks yourself, or prefer to trust a professional, this maintenance schedule is the starting point to keeping your vehicle properly cared for:

Check Often:

See if any dashboard indicator lights are lit.
Check to make sure that all the car’s lights are working. This includes your headlights, turn signals, tail lights, and brake lights.
Inspect your tire’s air pressure, making sure the PSI is within your car’s suggested range.
Evaluate your tire’s treads, replacing if there is significant wear.
Top off your windshield wiper fluid and engine oil, if needed.
Check your car’s windshield for cracks and chips – repair or replace as needed.

Check Every 3 Months:

Check your automatic transmission and power steering fluids. Instructions for checking these fluid levels is often included in a car’s manual.
Test your car battery and cables.
Inspect belts and hoses for wear and tear, or have a professional do so.
See if you need a new air filter for your engine or cabin.

Check Every 6 Months:

Ensure that your chassis has the proper lubrication.
Replace your windshield wipers, if they are beginning to show wear or streak.
Check your car’s exhaust.
See if you need a tire rotation – these can significantly extend the life of your tires.

Check Every Year:

Make sure that wheels are properly aligned.
Check your vehicle’s steering and suspension.
Examine your coolant level.

While this general maintenance schedule will keep most cars up to date on their routine maintenance, it is important to follow your manufacturer’s instructions when servicing your vehicle. Also make sure that you ask a professional for advice and assistance in any job you are not comfortable performing yourself.

And don’t forget – the state of Massachusetts requires that all vehicles registered here receive a yearly safety inspection. Mark your date on your calendar, and when the time comes, find an inspection station near you!

It is also important to remember that the weather fluctuations that we get here in New England can wear on a car. Prepare your car for incoming warm weather in the summer, and the frigid winter temperatures in the fall. Doing just a little bit of preventative seasonal maintenance can significantly increase the lifespan of your vehicle!

To help make sure that your car is protected against anything the world throws its way, call 617-298-0655 to get an auto insurance quote from the Massachusetts insurance experts at Vargas and Vargas Insurance Agency. We will ensure that you and your car have full coverage. We can even review your current coverage to see if you are sufficiently protected – and the insurance review is free! Don’t wait, contact Vargas and Vargas Insurance today.

DIY Home Improvement

Posted on March 22, 2016April 2, 2017 by cvargas

Improve Your Home in Just One Weekend

If your “Honey-do” list is all checked off, and you’re looking for a new DIY project to spruce up your home, look no further. We have gathered a list of five projects that you can do in just one weekend that will update, improve, and modernize your space. They vary in levels of difficulty, so find one that’s right for you and start shopping for supplies!

Increase Your Curb Appeal

Make a great first impression on everyone that comes knocking with a little TLC for the front of your home. Add a splash of color to your front door, and make an attractive seasonal wreath to display. Take it up an extra step with some eye-catching shrubbery or landscaping and add a bench or pair of chairs for a homey touch.

Replace an Outdated Lighting Fixture

It may seem like a daunting task, but replacing an existing lighting fixture is probably easier than you think. Make sure that you turn off the power at the breaker box, then it’s typically as easy as unhooking the old light and connecting the new one! For best results, watch a few online tutorials and read the new fixture’s instructions first.

Add Molding

Any room looks better with a few finishing touches, and molding is an inexpensive way to add a touch of sophistication to your space. Historic homeowners should make sure that their molding choice compliments their home’s style. Check out HGTV’s tips on installing crown molding here.

Inject a Pop of Color

Accent walls are becoming more and more popular – and there’s a reason! They are a fun way to add some color to a room without getting overwhelmed (with work or with too much color!) Choose any room in your house, and get inspiration from your current decorations. Any piece of art or even a pillow or tchotchke can help you decide on a color to use. Bring that item and the approximate square footage of the wall you want to paint to a hardware store. They will get you on the right track!

Update Your Kitchen and Bathroom Hardware

Want a simple project that will make a big impact? Why not replace the hardware on your kitchen or bathroom cabinets and drawers? Your local hardware store probably has several options in different styles and colors, and all you will need to install them is a screwdriver! If you want a more vintage feel for your home, scour antique stores and online retailers for an old-fashioned charm and elegance.

As with all home DIY projects, make sure that you feel 100% comfortable with the work before you begin, and have a professional on speed dial just in case you get in over your head. And if you pick a project that increases the value of your home (like the lighting or plumbing fixtures, for example) let your home insurance agent at Vargas and Vargas Insurance know – we can adjust your Massachusetts house insurance policy to reflect the change.

Five Tips to Be Happier at Work

Posted on March 17, 2016April 2, 2017 by cvargas

1.22.16 - Be Happier at Work

The office is stereotypically a stressful place, but it doesn’t have to be. After all, your attitude is everything when it comes to your happiness. Make a promise to yourself now to make a small change and increase your happiness while you’re at work. You may be surprised how much difference even small adjustments can make in your day to day life.

Here are five small changes that you can make to increase your happiness while at work:

1 – Limit your Goals

Once you resolve to improve yourself, it’s easy to go overboard. You see it every year around the first of January – people make New Year’s Resolutions to lose weight, to eat better, and to save money. Usually, their new lifestyle lasts a month before it falls to pieces. You can avoid this by making one or two small goals that are specific and time sensitive. When those are accomplished, move on and make more small improvements.

2 – Get up and Move

It’s easy to get absorbed in your work, but make it a point to get up from your desk a couple of times every day. Sit in the break room for lunch, or just take a stroll around the office. Sitting in a chair may be hurting your body, and staring at a computer screen can cause eye strain or computer vision syndrome.

3 – Socialize More

This tip goes hand in hand with the last one – while you’re up and about stretching your legs and resting your eyes, make some friends in the office. It never hurts to have a few more contacts, and you never know – being friends with people in other departments may pay off in the future. It especially helps to make new hires feel welcome. So ask the new guy out to lunch, or bring the receptionist a coffee… you never know where it may lead, whether it be additional professional contacts or new personal connections.

4 – Go Green

If you’re interested in respecting the environment, a little effort can go a long way at the office. Start small – use a reusable water bottle instead of disposable cups, and shut off your computer when you leave instead of just putting it in sleep mode. When you’re the last person to leave a conference room, turn off the lights. If you want to make a bigger impact, think about starting an office recycling program.

5 – Be Open to Change

One of the best tips that we have for being happier while at work is to be ready for anything, and to be adaptable. Every workplace has its challenges and pitfalls, and you’ll be less stressed if you’re able to roll with the punches and be flexible in your plans.

If you make even a few of these changes while you’re at the office, you may find that you are happier at work. If you want to learn more about how Vargas and Vargas Insurance Agency can help you do more with the money you earn, just call 617-298-0655. We have financial planning professionals on staff that will help you allocate your assets so that you are ready for retirement.

Picking a Safe Halloween Costume

Posted on September 25, 2015April 2, 2017 by cvargas

As Halloween quickly approaches, it is time to begin thinking about what you or your little ones will wear for the big day. It’s exciting to get to wear a costume, but when you’re out shopping, make sure that you follow these costume guidelines so that you and your children can have a ‘sweet’ holiday:

Make sure that costumes fits correctly – When choosing a costume, make sure that you purchase the right size. As with clothing, costumes should be snug without being too tight. Make sure that there are no tripping hazards, like pants or dresses dragging on the ground.

Look for costumes that are flame resistant – Candles are a great way to set a spooky atmosphere, but they are a huge risk when wearing a costume. Ensure a costume-wearer is safe by checking to make sure that the outfit is flame-resistant.

Ensure proper visibility – If a costume requires a mask, make sure that the wearer can see properly. This may mean altering the mask so that the eye-holes are larger, or opting for makeup instead of a mask. Remember, though, to always do a patch test on costume makeup before Halloween night.

Wear sturdy and comfortable shoes – It doesn’t matter if you’re trick-or-treating or going to a party, everyone should wear the right shoes for Halloween. Little ones may fight you on this one, but they will be miserable after just a couple of minutes of walking in other shoes. If they insist, bring a pair of tennis shoes with socks as a backup.

Avoid dangerous accessories – If there is a sword, broom, or other accessory that goes with your child’s costume, make sure that it is pliable, and will not injure your child if they fall on it. It also helps to make sure that accessories are lightweight and east to carry.

Make sure drivers can see trick-or-treaters – A big part of Halloween safety is making sure that you and your children are visible to drivers while you’re out and about. Children with bright costumes should be easy to spot, but dark costumes may need a little work to make them visible. Have children with dark costumes carry a colorful treat sack, or strategically affix reflective tape to their costumes.

Don’t overlook Halloween weather – Remember, it’s usually pretty chilly in Boston on Halloween night. Historical temperatures show an average high of 56 and a low of 42. Make sure that you and your children don’t feel that chill by choosing warm costumes, or wearing long underwear. Go out earlier to avoid the nightly temperature drop.

When you have all of these tips in mind, picking out a safe costume will be easy. And make sure that you stay tuned to the Vargas and Vargas Insurance Blog throughout the month for more safety tips, including Trick-or-Treat safety tips for kids! For some added safety in your home, call Vargas and Vargas Insurance for an insurance review at 617-298-0655.

The Ultimate Football Party Cheat Sheet

Posted on September 9, 2015April 2, 2017 by cvargas

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

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

Get Your Space Ready

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

Arrange Fun Decorations

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

Prepare the Food

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

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

Put Safety First

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

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

Prepare For “Back to School” Early

Posted on August 31, 2015April 2, 2017 by cvargas

Boston public school students have less than a month left until they return to school, so it’s time that we started posting tips for parents and children that are preparing for education to resume. In this blog post, we will cover four ways that you can help your child adjust to the idea of going back to school. Follow these tips and your child’s transition to the new school year will go smoothly.

Adjusting the Body Clock

One of the hardest things to do in preparation for sending kids back to school is preparing them for the early morning wake-ups. Instead of waiting until the last minute to adjust their body clocks, start a couple of weeks before the first day of school. That will give you plenty of time to gradually ease them back into an appropriate schedule.

Experts recommend having your child get up at a time that allows plenty of time to get ready for school in the morning, with some extra time allotted for finding homework and lost socks. Have your child adopt this new rising time immediately, while simultaneously moving their bed time back 20 or 30 minutes every few days. Begin this now, and your child will be on the right schedule before the first day of school.

Preparing a Workspace

It has been proven that people (both adults and children) have better focus if they are in a place that is associated with work. Pick one spot in your home where your child will do their work, and explain to them that this is their ‘work space.’ Have them try it out in the summer while doing summer assignments like math packets or reading assignments. Then continue the practice throughout the year with homework and study time. Make sure that there are no distractions allowed in this area – keep the television off and only allow productive computer work if it is necessary.

Shopping for Necessities

This year, there will be a tax free weekend in Massachusetts on August 15th and 16th. If you want to pay less for your children’s school supplies and clothing, prepare for the crowds and enjoy the savings. Otherwise, be on the lookout for other local retailers – many will offer Back to School sales in the coming weeks in an effort to attract shoppers.

Also be a smart shopper in the first few weeks of the school year by stocking up on heavily discounted items that are left after the Back to School deals. Your kids will need refills of school supplies throughout the year, so stock up now! Also remember that dorm room items are a hot item right now, and those will also go on sale soon.

Dealing with Resistance

It’s natural for a child to resist going back to school. How you deal with it should depend on the reason why the child is struggling. Initiate a conversation and investigate your child’s reasons – Are they enjoying summer too much, or are they experiencing social anxiety? Are they simply succumbing to the ‘school isn’t cool’ mentality of older children? Are they nervous about falling behind in their studies? Gently prod to discover their deeper concerns and address them individually.

Keep an eye out here on the Vargas and Vargas Insurance Blog and on our Facebook Page for more articles and tips about going back to school, and comment with your ideas for Back to School posts. Also remember to call 617-298-0655 for all of your Massachusetts insurance needs!

Save Money on Your Next Vacation

Posted on August 10, 2015April 2, 2017 by cvargas

Spending time with your loved ones on a vacation is a great way to bond and create memories. There is only one problem, though – vacations can be expensive! Instead of breaking the bank the next time you book a vacation, do your research and take advantage of all of the money saving tips that you can find.

Here at Vargas and Vargas Insurance Agency, we love saving you money on your Massachusetts insurance policies. In this post we want to help you save money on your next vacation, too! We have compiled several tips that you can use to save money on your next trip:

Go somewhere off the beaten path. Tourist destinations like Las Vegas and New York City are always more expensive than less visited destinations.

If you’re interested in seeing more than one city on your vacation, think about booking a cruise – you’ll see several places but only unpack once!

Travel during peak days (like on weekends) tends to be more expensive than travel on days in the middle of the week. If your plans are flexible, schedule your vacation so that you travel on Tuesdays and Wednesdays – these are typically the least expensive days of the week for airfare.

Also be flexible with the time of year that you plan your vacation. Long weekends are both more expensive and more crowded at most destinations. Instead, plan a trip when there will likely be fewer crowds, and less demand for travel and lodging.

Take advantage of membership perks. Some businesses offer discounts to members of certain groups. Ask about travel deals, especially if you are a member of the military or AAA. Also consider seeing if any of your credit cards offer rewards for travel purchases.

Food is often one of the biggest expenses of a trip. Cut down on food costs by staying in a hotel with a kitchenette and cook a few meals yourself. Even if you skip going out for breakfast in favor of a bowl of cereal, you will be shocked at how much you can save. If you do opt to go out for a meal, make it lunch, which is often much less expensive than dinner, but with a similar menu.

Plan activities during your trip that are either cheap or free. Tour the local city park or beach, see if there are any free museums, get a tour of the city from a friend that lives locally – there are plenty of options.

Invest in travel insurance for your trip. While you will need to purchase the policy, the cost is well worth the value. If you need to cancel your trip for any of the covered reasons, you will be reimbursed for the cost of your vacation instead of having to take a substantial loss.

Stay tuned to the Vargas and Vargas Insurance Blog for more tips on how to save money. And remember to call us any time that you have an insurance question or if you need an insurance review. One quick call to 617-298-0655 will put you in touch with a Vargas and Vargas Insurance Agent who will help you with all of your Massachusetts insurance policy needs.

Protecting Yourself Against Uninsured Motorists

Posted on August 7, 2015April 2, 2017 by cvargas

Earlier this year, we asked for your insurance related questions on our Facebook Page. It’s time that we answer another of the questions that we received, and this one’s all about auto insurance! Heidi asked us the following question:

“If auto insurance is mandatory, why are there many uninsured motorists driving? Why isn’t this enforced?”

While we don’t understand why a driver would choose to endanger others by driving without sufficient insurance, we can explain the danger of uninsured motorists, and how you can protect against them with the help of a car insurance policy from our agency.

What is an Uninsured Motorist?

As you could probably guess, an uninsured motorist is someone who drives a vehicle without auto insurance coverage. What may surprise you is that The Insurance Research Council (IRC) estimates that 1 out of every 7 drivers in the US is currently uninsured. This is a huge concern because any auto accident caused by an uninsured driver can mean significant costs that aren’t covered by liability insurance policies.

To combat the fact that nearly 15% of drivers are uninsured, most states now require auto insurance policies to include uninsured motorist coverage. Massachusetts is one of these states.

Massachusetts Auto Insurance Requirements

In the state of Massachusetts, there is a minimum amount of insurance that must be held by each driver. When you get a Massachusetts auto insurance quote, this is the absolute minimum amount of coverage that you must purchase according to state laws:

Bodily Injury to Others: $20,000 per person; $40,000 per accident
Personal Injury Protection: $8,000 per person, per accident
Bodily Injury Caused by an Uninsured Auto: $20,000 per person; $40,000 per accident
Damage to Someone Else’s Property: $5,000 per accident

As you can see, anyone with auto insurance in the state of Massachusetts has at least $20,000 per person and $40,000 per accident worth of coverage against uninsured motorists. This means that you don’t need to fear getting into an accident with an uninsured motorist – your car insurance policy has built in protection against this situation. This protection typically includes coverage for medical expenses, pain and suffering, and lost wages. Ask your Massachusetts insurance agent if you have coverage against uninsured motorists for your property, including your home and automobile.

If you want to discuss the uninsured motorist coverage in your Massachusetts auto insurance policy, all you have to do is call 617-298-0655 and speak to a Vargas and Vargas Insurance agent. We can let you know how much coverage you have for accidents involving uninsured motorists, and let you know if you should increase your coverage. And if you have any questions about any of your insurance policies, feel free to call our agency and ask one of our expert Massachusetts insurance agents.

Stay tuned to the Vargas and Vargas Insurance Blog for more answers to the questions that you submitted, and much more!

What to Do If You Have an Accident at Work

Posted on August 5, 2015April 2, 2017 by cvargas

If there’s one rule in life, it’s that accidents happen, and they can happen anywhere. Whether you work a physically demanding job, or sit in a cubicle from 9-5, there is always a possibility that you could have an accident at your workplace. If an accident occurs, there are a few major steps that you should take in order to protect yourself:

Fill Out an Accident Report

No matter how trivial an accident may seem, you should always fill out an accident report, even if you don’t think you are injured. Most workers compensation insurance policies have a very short window after the accident in which an accident report must be filed, so filing an accident report regardless of the severity of the accident will protect you in case any injuries manifest in a few days as a result of the accident.

Reporting the accident to your workplace will also allow the business to take measures to ensure that an accident like yours does not happen again to another employee, so fill out an accident report for the safety of your coworkers.

See a Doctor

Again, regardless of the severity of your accident, you should take the initiative to see a medical professional. If your injury is serious, you need to go to the emergency room for treatment. Otherwise, ask the appropriate party at your workplace if there is a specific doctor you need to see or if you can go to a doctor of your choosing. Have the doctor that you see perform a full evaluation, and ask what you should look out for, and what physical symptoms would indicate an injury.

Report all Injuries ASAP

There is always a chance that an injury won’t manifest immediately when you have an accident. Because of this, you need to be vigilant in paying attention to your body for several days after an accident. If you do discover an injury after the fact, report it to your employer immediately, and speak to a medical professional to get treatment.

Inquire About Workers Comp Coverage

Whether you report an injury immediately after an accident or after some time has passed, your employer should file a workers compensation insurance claim with their insurance provider on your behalf. Ask the person at your workplace to keep you updated on the status of your claim, and stay on top of the claims process.

If you run into any issues with your claim or anywhere in the process, you may want to contact a lawyer that is experienced with workers compensation claims. They will be able to fill you in on what you can expect from the claim, and make sure that you receive the appropriate benefits.

Businesses that are looking for business insurance or workers compensation coverage should contact Vargas and Vargas Insurance Agency at 617-298-0655. We are a premier provider of Massachusetts business insurance policies, and can get a business great coverage at a great price.

How to Get the Best Renters Insurance

Posted on August 3, 2015April 2, 2017 by cvargas

If you rent the place that you live, then you need to make sure that you have excellent coverage for all of your belongings, as well as liability protection in case of an accident. You can do this by ensuring that you have the best renters insurance possible for your condo, apartment, or other rental property.

Thankfully, here at Vargas and Vargas Insurance Agency we have Massachusetts renter’s insurance agents at the ready that can help you do the two things that you need to do for the best Massachusetts renters insurance – get great coverage at a great price! See the breakdown below to find out exactly what you can expect with a renters insurance quote from Vargas and Vargas Insurance Agency:

Get Great Coverage…

A renters insurance policy is unique – it is similar to a home insurance policy, but doesn’t provide coverage for the dwelling itself (that is your landlord’s responsibility, so make sure that they have rental property insurance). Renters insurance has two major parts – coverage for your possessions in the event of a loss like a fire, and liability coverage in case someone is injured while in your residence.

If anything were to happen to your belongings or a visitor, your renters insurance will help to ensure that you’re not financially responsible for replacing your items or paying legal or medical bills. This peace of mind is priceless, so make sure that your renters insurance has enough coverage for any potentially harmful situation.

…At a Low Price!

It’s important to have comprehensive renters insurance coverage, but no one wants to pay too much for it! Here at Vargas and Vargas Insurance Agency, we work hard so that our clients can get great coverage at a low price. We know several discounts for which you may be eligible, and we will do everything in our power to get as many discounts as possible for you.

Some of the discounts that we offer (depending on the insurance provider that you choose) are: claim free discounts, paperless discounts, auto-pay and pay-in-full discounts, protective device and safety discounts, and much more.

Shop Independent Insurance Agencies

One thing that you can do to ensure that you get the best renters insurance possible is to get your insurance through an independent insurance agency like Vargas and Vargas Insurance. Talk to one of our agents and we will get several insurance quotes for you from many insurance providers – this way you can consider several policies side-by-side in order to determine which policy option is the best for you – for renters insurance, auto insurance, health insurance, and much more.

So, does your current renters insurance policy meet all of your needs? If you want a renters insurance quote or a review of your current renters insurance policy, just call Vargas and Vargas Insurance Agency at 617-298-0655. We can help you ensure that you have the best renters insurance possible! Our office hours are Monday through Friday from 8:30 am until 5:30 pm.

How to Survive 4 Common Emergency Situations

Posted on July 29, 2015April 2, 2017 by cvargas

Odds say that you will face at least one of these emergency situations in your life. If you take the time to prepare yourself now, it will make dealing with the emergency much easier – after all, Benjamin Franklin was right when he said “an ounce of prevention is worth a pound of cure.”

Here are four common emergencies that many people have to deal with every day, and an explanation of what you can do now to prepare yourself and your family in case they affect you in the future:

A Flat Tire or Blowout

Cars are complex machines, meaning that there are a lot of different parts in your vehicle that could potentially break and cause an issue. One of the most common issues that drivers face on the road is a flat tire (because tires are in constant contact with the road, they are more vulnerable to issues than other parts of the car).

To prevent tire problems, make sure that you check your tire pressure and rotate your tires regularly, and replace tires that begin to look worn. If you hear a tire pop or suddenly lose control while driving, get a firm grip on the steering wheel and apply the brakes slowly. Pull over to the side of the road and turn on your hazard lights so that you can change your tire or call someone for assistance.

A Severe Storm

As we’ve already mentioned here on the blog, it’s hurricane season in the Atlantic from June 1 until November 30. Don’t wait until a hurricane is heading to New England to prepare your emergency kit! It should include everything that you need for 3 days, including food, water, prescription medications, space blankets, first aid supplies, flashlights, and more. Visit ready.gov for a full list of what to include in your family’s emergency kit.

A House Fire

Every year, there are hundreds of thousands of house fires in the US. Typically, these are caused by cooking equipment, smoking, or faulty heating equipment. Reduce your risk of a house fire by following common cooking and grilling safety tips, being careful to ensure that cigarettes and cigars are fully extinguished, and following the safety tips and maintenance schedule for all of your home’s heating devices.

If there is a fire in your home, you want to make sure that the proper authorities are notified as soon as possible. Do this by checking your home’s smoke alarms regularly. Also make sure that there is a working fire extinguisher in the kitchen, and that all family members know where it is located and how to use it.

A Case of Frostbite

It may not seem like a threat right now, but Boston winters can get cold, so you should be prepared to deal with a case of frostbite. In fact, you can get frost bite when the wind chill is below -19°F, which happens several times a year here in New England.

The signs of frostbite include a loss of feeling and a lack of color in the affected area, typically the fingers, toes, earlobes, and tip of the nose. If you suspect that you or someone else has frostbite, seek shelter immediately and get medical attention. Do not use friction to warm up the affected area, as it could cause permanent damage to the skin.

Now that you’re ready to deal with these four emergency situations, please use the “Share” buttons below to help your friends and family prepare themselves as well. Also “Like” the Vargas and Vargas Insurance Agency Facebook page for updates about our agency, links to informative blog posts and articles, and insurance tips!

Influences on Boston Car Insurance Quotes

Posted on July 27, 2015April 2, 2017 by cvargas

When you call Vargas and Vargas Insurance for a car insurance quote, it may seem like our agents come up with a number out of thin air. The rate that they quote isn’t arbitrary, though – Boston car insurance quotes are based on a variety of factors. Some of these factors are explained below:

Your Features

The attributes of the driver are one of the factors that determines how much an insurance policy will cost. As your Boston insurance agent asks you questions to determine your car insurance quote, they will likely ask for your information including your gender and date of birth. Generally, women are safer drivers than men (and therefore pay less for their auto insurance). As you get older, your auto insurance rates will probably decrease – teenagers pay significantly more than more experienced drivers.

In some cases, insurance providers will also check your credit score when determining your car insurance rate. This is because there is often a correlation between a person’s credit score and their likelihood to file an insurance claim in the future.

Your address and the amount of time that you spend in the car will also have an effect on your insurance cost. Living in a safe area with low crime is a plus to insurance providers, as is having a short commute to work or a low average weekly mileage.

Your Car

The type of car that you drive has a significant impact on your car insurance costs for many reasons. First, the safety devices and features in your car may help you to avoid getting into an accident in the first place, or may reduce the severity of any accidents that do happen. Cars with significant safety features may qualify for significant discounts, while cars without added protection may have higher rates. Cars with special parts are often more expensive to repair, and often cost more to insure than cars with parts that are less expensive and easy to find.

Your Driving Record

It should come as no surprise that your driving record impacts your insurance costs. If you have had accidents or other driving violations in the past, insurance providers will often see you as an increased risk to insure, and will charge you more to make up for their increased potential loss. The longer you are able to go without a mark on your record, the less your insurance bill is likely to be.

Your Coverage

As the age-old saying goes, “You get what you pay for.” This is true when it comes to auto insurance policies. Getting a cheap policy often means leaving off important coverage. You need to have an experienced Boston insurance agent find you a car insurance quote that gets you the most bang for your buck – great coverage at a great price.

Now that you know more about how car insurance quotes are determined, call Vargas and Vargas Insurance Agency for a free quote of your own! One quick call to 617-298-0655 will put you in touch with one of our friendly and knowledgeable Boston auto insurance agents, and they will help you get a great insurance policy at a price that’s right for you.

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