Groundhog Day And The Signs Of Spring

We all have heard of Punxsutawney Phil and his ability to predict spring. Every February 2nd, the ground hog climbs out of his cozy hibernating hole and turns to weather forecasting. If it is a cloudy day and he does not see his shadow, spring will be early. If it is sunny and he sees his shadow, we are in for six more weeks of wintery weather. 

It appears that Phil has some competition in the field of weather forecasting. Last February, a wooly bear caterpillar was found on a downtown sidewalk in New Ulm, Minnesota. Ironically, it was Ground Hog Day-the same day on which Punxsutawney Phil comes out to make his annual prediction on the arrival of spring. 

The wooly bear caterpillar has a reddish-brown middle and black ends.  According to the Farmer’s Almanac, they hatch in the warm weather from eggs the female moth has laid. With the arrival of spring, they spin a fuzzy cocoon and metamorph into lovely Isabella tiger moths. 

There are many signs of spring.  Observing other animal and plant life can let us know that spring is on the way. So can the smiles on people’s faces as they prepare once again for warm, balmy weather.

This year, when you prepare for spring and the upcoming summer vacation season, do more than just your usual spring cleaning. Make sure your financial and insurance affairs are in order. For more information about your insurance needs contact the Stromsoe Insurance Agency serving the Murrieta, California area. 

Super Bowl XLVIII – The Big Day is Coming Fast

February 2, 2014 is approaching fast. The Denver Broncos and Seattle Seahawks will face off in what is the most highly anticipated football game of the year. While some will be braving Mother Nature’s fickle February whims by watching the game at Met Life Stadium in Rutherford, NJ, chances are you’ll either watch from the comfort of your favorite La-Z-Boy recliner or attend a Super Bowl 2014 viewing party with friends or family.

Whatever your viewing pleasure for the main event happens to be, it’s important to keep a few critical safety facts in mind.

  1. Don’t drink and drive. Drinking and driving numbers traditionally spike after the big game each year and it’s simply not worth risking your life or the lives of other people on the roads. Don’t forget the actual dollars and cents of DUIs either, which cost a minimum of $10,000 and that’s if there are no injuries or deaths as a result.
  2. Be a good sport whether the guys on the gridiron are able to do so or not. It’s depressing when your team is losing or you feel that the refs are making bad calls. However, it’s important to be mindful of other people in the room or at the event and try to have a pleasant time regardless of who the winner is.
  3. Don’t leave home without a good auto insurance policy. No matter how careful you are about avoiding driving under the influence, other people on the roads aren’t quite as considerate.

Do you know if your current auto insurance policy is adequate? Are you interested in finding a new one? Contact Stromsoe Insurance Agency and let us help you make an informed decision about your auto insurance needs today.

Health Tips to Steer Clear of the Flu Virus

According to the Centers for Disease Control and Prevention (CDC) every state in the country is experiencing moderate to high levels of the flu outbreak.

This year’s flu virus seems to be targeting young and middle-aged adults. The Google Flu Trends chart estimates that nationwide over 9,000 people have tested positive (many people do not visit their doctor therefore, the reports are based solely on reported cases) for the flu already this year. Compared to the past nine years the 2013-2014 flu season has already surpassed the last nine years by 3,000 more cases.

The CDC recommends that everyone receive a flu shot, it is still early enough in the flu season for it to be beneficial. In the meantime here are a few health tips to help you from getting the flu.

  • Avoid contact with people who have the flu
  • Practice good hand washing
  • Eat a healthy diet to keep your immune system working well and take your daily vitamin
  • Get plenty of rest
  • If you start to experience flu symptoms go to the doctor and get a prescription for anti-viral medication – this will cut the duration and severity of the flu by at least half

 The flu should be taken seriously, it makes millions of people sick every year and it claims hundreds of lives every year. Get your flu shot now – it’s not too late!

For more health tips on avoiding the Flu virus contact Stromsoe Insurance Agency.

 

The All NEW 2014 Reap Your Rewards Insurance Referral Program!

We do our best to fully protect our clients and a referral is the highest compliment you can give us. To show our appreciation, you’ll reap your rewards and pay it forward too! For starters, you’ll receive a FREE $15 gas card, with a $10 donation in your name to your favorite charity, plus an entry into the Monthly and Grand Prize Drawing Giveaways. 

In 2013, with your help, we donated $13,935.32 to charities such as the Alzheimer’s Association, American Diabetes Association, American Cancer Society, American Red Cross, ASPCA, Bike 365, and City of Hope, among others.

Join us for 2014 and invite your family friends, business associates and employers to be a part of Stromsoe Insurance Agency. Ask them to mention your name when they call, and you will become an automatic winner. It’s so easy! The Top 2014 Grand Prize is $2,001, in cash, plus $501 will be donated to your favorite charity!

Ask These Important Questions Before Purchasing Life Insurance

You’re off to buy life insurance, and the number of options available leaves you amazed. Should you go with term life or whole life? What type of term period is best for your situation? Asking questions can help narrow down your choices and the reasons why you need life insurance. Here are 3 questions you want to ask yourself to gain a clearer picture about the life insurance you need for your situation.

1: Why do you want life insurance? Some people purchase life insurance so that their young children can get the childcare they need from the benefits they will receive after the parent’s death. Other people purchase life insurance to handle the funeral costs and to leave supplemental retirement funds to a surviving spouse. Figure out why you want a policy and be prepared to have those reasons change as you get older.

2: What is your budget? Once you understand what type of life insurance you need, you can get the policy that works with your budget. Never try to get one that is more than your budgetary needs. You always have the option of getting term life insurance now and changing it to a permanent policy later if your financial situation changes.

3: How much coverage do you need and what are your financial priorities for your love ones? Before you purchase life insurance, you need to figure out what your needs will be that the life insurance will pay for. Asking a financial advisor can help you identify the type of coverage that fits into your particular lifestyle. In addition, you can also define the financial priorities you have toward your loved ones as you can get the insurance that will help them with daily expenses when you are gone.

For more information about the types of life insurance available, please contact us at Stromsoe Insurance Agency at 951-600-5751.

Reviewing your Insurance Policy in the New Year

What a difference a year makes. In some ways this is good, in others, not so much. But whatever changes have occurred over the last 12 months, there’s a good chance they may impact your insurance options, and in many cases save you money. It is important for you to review your policy, and notify your agent of events and changes in your life in order to determine if there is something better out there for you and your family.

Having an independent insurance agency such as Stromsoe Insurance Agency take a look at your policies and see how they fit with your current life situation is a perfect way to go. Unlike an individual provider, Stromsoe Insurance Agency has the resources to compare policies from multiple companies so you can make a truly educated choice on what is best for you. That might mean switching insurance companies, or using the information you’ve gained to negotiate with your current provider.

To learn more on how to save on insurance in the New Year, contact Stromsoe Insurance Agency today!

Be SMART About Goal-Setting in 2014

Do you want to get fit, save more money, be a more profitable business-person or change a bad habit? Many people set New Year’s resolutions every year on January 1. Sometimes these goals succeed, but it is not unusual for them to fade away by the time spring-time comes. To help you become more effective in achieving goals, use the acronym SMART as you sit down to make your New Year’s resolutions.

  • S–Specific

If you aim at nothing, you will hit it every time. Effective goal setting is always specific. Choose specific ways that you want to change in the New Year. Instead of saying, "I will control my temper" you should say, "I will control my temper when life is hectic or when traffic is bad."

  • M–Measurable

When you set goals, figure out a way to measure it. Set a specific number of business sales calls you want to make each week. Determine how many pounds you want to lose this year, and give yourself a deadline to do it. When you set nebulous goals, you won’t know when you’ve missed the mark; nor will you know when you have attained one of your benchmarks.

  • A–Attainable

Many people fail in achieving goals because they have unrealistic expectations of themselves. Make sure that your goals fall in line with your natural talents, your available time to work on your goal and your life’s limitations.

  • R–Rewarding

Make sure that your goal is something that is important to you. If running a marathon isn’t a memory that you will treasure, then don’t put that on your list. However, spending more time with your children will be a goal that you will be glad to achieve.

  • T–Time Bound

Give yourself a deadline with your goals. Break your big goals into smaller increments so that you can see the progress that you are making. Putting an additional $5,000 into your savings account this year may seem impossible, until you realize that you can simply put away a little over $400 a month to reach that goal.

Make 2014 the year to reach some goals that have eluded you for a few years. When you practice SMART goal setting, you will be well on your way to achieving your goals.

For more all of your insurance needs, contact the Stromsoe Insurance Agency today!