25 Fun inexpensive things to do with your Kids during Summer!

Summer is one of the busiest seasons of the year. The sun is out; the sky is blue and the flowers are blooming. You know that your everyday schedule will be busy from morning til evening. You’ve got a plan and you’re ready to take it on. Then you remember your kids are out of school! That changes everything. You see that the kids are moping around the house. They have the, " I’m bored face on; ” but Summer just started and you’re not sure what to do? Well, don’t worry we’ve got twenty-five fun … [Read more...]

What is the difference between “Actual Cash Value” and “Replacement Cost?”

What is the difference between “Actual Cash Value” and “Replacement Cost?” Introduction It is important to know how “Actual Cash Value” versus “Replacement Cost” can affect the coverage of your personal items. Consider if you had a 70 inch Smart TV, and someone stole it. Would your insurance company give you a settlement to replace your TV with a new one or would the insurance company give you what your TV is worth at the time? In 2018 a national study conducted by Mercury Insurance … [Read more...]

[NEW HOMEOWNERS] Are you Budgeting for These Homeowner Expenses?

Remember that feeling when they handed you the front door keys?  Being a homeowner is a something you should have great pride in, but let’s face it – it’s no simple or easy task. People get the impression that the reason why being homeowner is so expensive is due to the large chunk of money handed over in the beginning (down payment) or because the mortgage usually is a bit higher than a regular month of rent. But those two things aren’t the HALF of it. Maintaining your home, and … [Read more...]

4 Memorable Valentine’s Day Date Ideas That Won’t Break The Bank

Valentine’s Day is approaching FAST! Did you remember to get your significant other a box of chocolates, or a fancy piece of jewelry? Well, we have something better than any of those items that is even higher in value.  Make this Valentine’s Day special by spending time with your significant other.  Here are a few memorable date ideas that you can use to make this V-Day the best one yet. Hot Air Balloon Ride Nothing says “love is in the air” like ACTUALLY being up in the air! … [Read more...]

The Ultimate Guide to Protecting Your Smartphone Private Data

Installing an anti-virus software, or some asset for protecting your computer has seemingly been common knowledge since the .com era. But what about when it comes to your smartphone? Isn’t your phone (simply put) a “mini” version of your computer? And with access to EVERYTHING from your bank account apps, family photos, and other personal data that you couldn’t imagine getting hacked into. Take a moment to prioritize your mobile phone security by reading these 5 tips:U Use at least a … [Read more...]

Tips for Exercising When It’s Cold

Exercising outside can be a wonderful experience. You can breathe in the fresh air, hear the birds and feel the sun. But, then there are times that it may not be a perfect setting. The cold, dry air can affect your lungs, and it can be hard to focus on your exercise routine when you’re too busy shivering. However, there are some strategies to help you continue exercising comfortably when it is cold outside. Choose your clothes carefully. Lots of synthetic fabrics help absorb sweat and … [Read more...]

Are You Keeping Your New Year’s Resolutions? Here’s 5 Tips to Get Back On Track

Now that we’re a few weeks into 2019, keeping those New Year’s resolutions may be getting a little harder. Never fear, here are some tips and tricks to help you keep up with those resolutions and feel good about yourself while doing it.   1. Be honest with yourself about your goals. It may not be realistic to pledge to exercise EVERY day if you’re not used to it. It might also make you feel discouraged when you’re not able to do that right away. Instead, try saying that you will work out 3-5 … [Read more...]

All Rights Reserved. Copyright 2019 Carver Insurance Services, Inc.

Customized and Mangaged by Stratosphere Marketing Solutions