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...]

Buying a New Car as a Gift this Holiday Season? Have These 4 Questions on Your Checklist!

Buying a new car to celebrate a sweet 16 or surprise a loved one for the holidays can be overwhelming and stressful. There are several things to consider, and tasks to take care of before purchasing.  Here are a few “new car” checklist items to help you in making the big purchase!What's Your Budget? What's Your Budget? The first step to buying a new car is setting your budget. How much are you willing to put down on a payment? On monthly payments? Other costs to consider include gas, … [Read more...]

Donuts with Santa at Town Square Park

  There’s no better way to celebrate December 1st like casually having donuts with the one and only Santa Claus!  Join the Murrieta Community Services Department for a magical morning filled with round pastries, pajamas, and Christmas Spirit!   When: Saturday, December 1st, 2018 Time: 9:00 – 10:30AM Where: Town Square Park Don’t forget to dress in your pajamas for added fun! Space is limited to the first 500 people. RSVP is required – RSVP Online … [Read more...]

How to Make Silky Smooth Garlic Mashed Potatoes

The holidays are finally approaching! Are you prepared for Thanksgiving with your family and friends this year?  If not, we’ve got you covered - and not only with insurance! Our quick and delicious recipe for mashed potatoes will be a hit at any holiday meal. Garlic Mashed Potatoes Recipe   Ingredients: 6 medium potatoes (2 pounds) 1/3 cup of milk 6 peeled garlic cloves ¼ cup of softened butter or margarine ½ teaspoon of salt 1/8 teaspoon of pepper   Step … [Read more...]

So You’re Running Your First 5K, Here’s What You Need to Know

Running a 5K can be a fun and exhilarating experience, but you want to make sure that you’re prepared before you hit the course. Because a kilometer is only a little over half a mile, a 5K is about 3.1 miles. So for a starting race, you don’t need to train for five miles right out of the gate. Here are a few tips and tricks to help you make sure your first 5K experience is the best it can be.     Check the course and weather conditions before the day of the race. Going over … [Read more...]

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