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CRS Temporary Housing Celebrates 30 Years of Assisting Families.

 

2019 marks an important milestone for CRS Temporary Housing. We are celebrating 30 years of helping families in need of a temporary home.

“We are extremely excited about our 30th anniversary of compassionately helping people rebuild their lives after an unexpected event that requires temporary housing” shares CEO Chris Hunter. “Our founders started the company as the pioneers in the creation of the Temporary Housing Industry for insurance-related losses.”

We are humbled as we look back at the journey we have taken

CRS is profoundly thankful of our talented employees, loyal clients and incredible partners. We are honored to celebrate this anniversary with them. Reflecting on the past 30 years in business, Hope Benefiel, Director of Operations says “I am honored to be part of a company that is entrusted with great care and responsibility in working with those who are displaced from their homes. CRS has maintained a firm objective in providing our customers with superior service. The future of CRS is exciting as we continue to grow and expand our reach in assisting families with all of their housing needs.”

Echoing those thoughts, Stephanie Bungaard, Sales & Marketing Director declares “We are so excited to celebrate 30 years of helping countless families find short and long term housing after experiencing a loss at their home.”

“We are proud to be leading the industry with a 92 NPS (Net Promoter Score) which further punctuates our focus on assisting the customer. 30 years ago we were the first temporary housing company to introduce an adjuster portal helping our adjusters save time and money. And 30 years later, we are still leading the way technologically with a focus around cybersecurity. I look forward to continuing to set the temporary housing standard of excellence and service at CRS and can’t wait to see what the next 30 years holds at CRS.”

Unmatched employee commitment

Our employee professionalism and expertise continues to receive very positive feedback from our customers who highly value our exceptional service. We could not have reached this important milestone without our employees' commitment to serve the needs of our adjusters and clients.

Our Customer Experience Manager, Suzan Carpenter feels that “CRS is the most unique and inspiring place to work. Every day is different and it’s one of my most favorite things. I'm super grateful for the last 10 years!”

As a specialist provider of nationwide temporary housing, CRS’ continued growth and success reflect the company’s ongoing commitment to creating innovative and valuable solutions for our customers. Shelly Bloxham, Customer Claims Specialist says “I've been very blessed to work for such an amazing company over the past 17.5 years! I love what we do, going to work every day, knowing I am making a HUGE difference in someone’s life. Our senior management team goes far above and beyond to show their appreciation for their employees. Love CRS and look forward to many more years.”

We’ve learned over the years that exceptional customer service and true compassion is the key to building strong relationships with our clients. Rachel Little, Sr. Manager, Customer Relationships knows “We are truly like a family here, not only with the staff we work with but the customers we interact with on a daily basis. I have made lasting friendships from inside the organization to those adjusters outside of the organization which I cherish.”

Policyholders are our #1 focus

"The CRS team are nothing short of amazing! We suffered a catastrophic house fire and they just took charge and arranged our housing so seamlessly. And they were kind and pleasant all the time." - Angela S, October 2018 "In a situation where it’s easy to feel hopeless, and not know where to turn... they made the best of the situation, even with the many requests/limitations my family had. You want this company in your corner, working miracles for you. Thank you so much for all your help and dedication." - Michelle J, August 2018 "The best customer service I have ever witnessed in my life. CRS is definitely the best customer service provider in all 50 states. The representatives that handled my case gave 110% each and every time and always ended each and every phone call/text with an are you sure you are okay? Thank you CRS so very much." - Eric P, October 2018 – – – – –

In closing, CEO Chris Hunter says “We look forward to the future as we continue to find ways to meet and exceed the needs of our insurance company partners and policyholders alike.”

From all of us at CRS, we’d like to take this opportunity to thank you for your continued support and business over the years. A warm thank you to all of our customers, dedicated staff and partners.

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At CRS, we honor six of our dedicated employees who are Veterans of the United States Military.

“Teamwork is a huge thing in the military and it has always played a role in my jobs, but it is extremely prevalent here at CRS. Being able to work with the different departments to accomplish a goal is a daily event here.” says Kristina Coombs, CRS Customer Care Specialist. In the Army Reserves, Kristina served as an Automated Logistical Specialist for nearly four years. Her family is an “Army Family” so she says “it just seemed right” that she joined.

Vanessa Cazarez, CRS Billing Specialist, was an Aviation Mechanic in the United States Navy for 5 years. Stationed on the USS Abraham Lincoln in Norfolk, VA, she states being a Veteran “Makes me proud to have been part of the select few that volunteer to protect our great country.”

 

Vanessa Cazarez (on the far right) and her United States Navy Aviation Mechanic team.

Two of our employees, Corinne Weinberger and Chris Varela, actually served on the same mission in Desert Storm together. Though they didn’t know each other at the time, and had different duties, both feel that the skills learned while in the military have helped them excel at CRS. Team building and working with people from diverse backgrounds has taught them how to approach various situations, talk to people and think fast on their feet.

Mindy Campbell, CRS Customer Care Specialist with eight years of service at CRS, wants to tell people thinking of joining the military to “Make sure you’re doing it for the right reasons. It will be the hardest thing you’ll ever do but will be darn proud of yourself when you look back on your time in the service.” Mindy served as an Army Medic for 3 years and a reservist for 2 more.

Using organizational skills learned during his time as a Sergeant in the Army, Vince Salazar is now on the front lines at CRS as Customer Care Specialist. He’s one of the first people that a policyholder might talk with about their housing loss. Not only does Vince provide pertinent information they need, he empathizes with and encourages them to stay strong, knowing that CRS has got their back.

All Veterans remind us of our potential as Americans to give and at times, give it your all. They are our relatives, friends, neighbors, and co-workers, and they committed to a cause larger than their own by accepting the challenge to defend our nation.

Today, and every day, we say THANK YOU.

On this Veterans Day, we salute our Veterans and extend our gratitude for their service.



“Nobody ever drowned in sweat.” - US Marines

“Courage is fear holding on a minute longer.” - George S. Patton

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As hurricane Florence approaches, follow these tips to keep your family safe

Hurricane Florence is expected to make landfall on the East Coast by Friday morning. While you prepare to evacuate or shelter in place, here are some helpful safety tips from your temporary housing source. 

      

If you are advised or ordered to evacuate

·         Follow all directions and orders from local officials and leave immediately when instructed to do so.

·         Bring emergency supplies, including: a first aid kit, medicine, food, water, formula and diapers, toiletries, cell phones, radios, and batteries.

·         Take extra cash and copies of important papers such as insurance policies.

·         Pack blankets, sleeping bags, books, and games.

·         Unplug appliances, turn off utilities such as electricity and the main water valve.

·         Lock the windows and doors of your home.

·         Don't forget about your pets! Pack their food, beds, a toy and any meds. 

 

If you are not told to evacuate

·         STAY AT HOME! Leave the roads available for those who must evacuate. If you absolutely must leave your home, NEVER drive through floodwaters. Turn around, don't drown.

·         Clean your bathtub with bleach and fill it with water for washing and flushing (not drinking).

·         Set your refrigerator to maximum cold and keep it closed.

·         Turn off your utilities if told to do so by local officials.

 

During the storm

·         Go to an interior room and stay away from windows and doors, even though they're covered.

·         During very strong winds, lie under something sturdy.

·         Do not go outside, including during passage of the eye of the hurricane.

 

 

CRS is tracking and preparing for Hurricane Florence. Our Catastrophe team is ready to assist both insurance adjusters and policyholders with immediate emergency hotel and housing assistance.

  • We are fully staffed 24/7/365 for immediate assistance.
  • Timely deployment of CRS employees on-site to support adjusters and policyholders.
  • Priority booking with major hotel chains for needs of adjusters and policyholders.
  • Competitive pricing on homes, condos, townhomes, apartments, mobile homes and travel trailers.
  • Capability to provide temporary office trailers for carriers.
  • One point of contact for adjusters and policyholders to minimize confusion.
  • Internal weather tracking so we know where the storm is heading.  
 

800-968-0848    |    request@crsth.com    |   www.crsth.com

 
 

Source(s):

https://weather.com/safety/hurricane/news/hurricanes-safety-during-20120330

https://www.crsth.com/services/catastrophe/

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It’s hurricane and wildfire season, is damage to my home covered?

Running over the entire summer from June 1st to November 30th, hurricane season brings serious damage risks from high winds, rain, and flooding in storm-prone regions. Is your biggest asset well protected? Your home is most likely your family’s most valuable investment. Know that your current homeowner’s insurance policy may cover some damage brought on by a hurricane, but not all.

Running concurrently with hurricane season, wildfire season is a period when wildland fires are likely to occur, spread, and affect resource values sufficient to warrant organized fire management activities. Higher temperatures, reduced snowpack, increased drought risk, and longer warm seasons are increasing wildfire activity in the western United States.

Make sure you have the proper coverage

Review your homeowner’s insurance policy today to make sure your policy is up-to-date and you are properly protected for anything that may happen. Here are a few tips regarding damage brought on by hurricanes and wildfires.

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WIND

In most states, standard homeowner’s policies cover damage caused by wind, including hurricanes. But if you live in a high-risk coastal state you might need to buy separate windstorm insurance. Check with your insurance company as it might also be available as a rider on your current policy. Windstorm insurance covers damage from any high wind, not just hurricanes. The cost of a separate windstorm policy depends on the amount of your deductible, where you live, and how much it would cost to rebuild your house.

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FLOOD

Flood damage brought on by, or as the result of, a hurricane is not typically covered in a private homeowners insurance policy. U.S. law requires people to purchase basic flood insurance if their home is in a designated high-risk flood area with a federally backed mortgage. (See floodsmart.gov for more information.) But in 2017, Hurricane Harvey showed that flooding can also damage properties outside the highest-risk zones and affect homeowners who weren’t required to buy the additional coverage.

Check with the National Flood Insurance Program as you may be able to purchase a separate flood insurance to help cover such damage in your area.

Don’t procrastinate

Flood insurance policies impose a 30-day waiting period between the time you buy and the time coverage takes effect, so review your policy today. If a major storm has been forecast, there’s a chance that your current coverage will be locked in until that major weather event has passed.

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WILDFIRE

Damage from wildfires and forest fires is most likely covered by your homeowner’s insurance, but coverage may vary by geographic location and by policy. You may also find that some insurers do not sell homeowner’s policies in areas where wildfires are common, or it may be offered by paying a higher premium. Check your policy or contact your agent to learn about terms and coverage limits.

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The Insurance Information Institute (III) recommends reviewing the amount of coverage you have in place and make any necessary adjustments to help ensure your limits are in line with the potential cost of repairing or rebuilding your home.

Whether you’re buying homeowners insurance, flood insurance, windstorm insurance or wildfire insurance — or all four — make sure you have enough coverage to pay for the full cost of rebuilding your house. Your insurance agent can help you pinpoint the right amount.

 

Sources:

https://www.floodsmart.gov

https://www.wsj.com/articles/what-homeowners-insurance-wont-cover-if-a-hurricane-hits-1504897428

https://www.iii.org/article/hurricanes-harvey-and-irma-insurance-faqs

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Home Essentials: How to nail your basic toolkit 

Are you a new homeowner, or maybe new to a temporary home? In either case, you’ll want to have a basic toolkit for minor home repairs. Imagine having to shell out big bucks to a handyman every time you want to hang a picture or adjust squeaky door? So not cool.

The best gift I received when I moved into my first apartment was a stocked toolbox from my dad. Not the housewarming gift I was hoping for, but in the following months and after it’s weekly use, I was in total appreciation of his foresight.

 

So, where to start?

Get yourself to the hardware store, grab a cart and let’s get shopping. Building a good toolkit usually happens over time because it can be costly, but you should start out with some essentials. For about $60, you can build a starter kit. Here are the must-haves:

• Claw Hammer • Screwdriver Set • Adjustable Crescent Wrench • Channellock Pliers • Tape Measure • Level • Carpenter Pencils and Sharpener

Make sure to keep your core set of tools in a toolbox or bag at all times.

 

Ready to add more?

Within six months to a year, you may be ready to expand your toolkit. With a few added tools, you’ll have the means to put up shelves, paint a room, change door locks and more. The estimated cost for adding the below tools will be around $200.

• Utility Knife and Blades • Ratchet Set • Cordless Drill and Drill Bits • Manual Saw Set: Hacksaw and Wood Saw • Stud Finder • Basic Painting Set • Flash Light

 

Having so much fun that you want to try more?

Most hardware stores, especially large national chains like Home Depot and Lowe’s, both host classes and workshops designed to help new homeowners get comfortable with doing their own work around the house, making their own improvements, and fixing their own problems without spending a ton of money on contractors or specialists. For example, Home Depot’s weekly workshops will show you how to do things like install decorative molding, install tile flooring, properly paint interior walls, and more—all things you may never have had to do as a renter.

Lowe’s also has a how-to project center with walkthroughs for common household projects:  Take me there

 
Sources: https://www.fix.com/blog/diy-home-repair-kit/ https://lifehacker.com/where-can-i-learn-home-improvement-skills-1535195959
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Spring ahead and lose an hour of sleep. Whose idea was this?

Do we love to spring ahead or hate it? In a year filled with 8,760 hours, why do we think it’s such a big deal? It’s just 0.01141552511415525% of a year.

Aside from what you may have heard over your lifetime, farmers are not to blame and it was not created by Benjamin Franklin. Daylight saving time was actually first instituted by Germany on May 1, 1916 in an effort to conserve fuel during World War I.

Do we still need it today? U.S. states are starting to decide on an individual basis. The Florida Senate just approved a bill that once they spring ahead on March 11, 2018, they could remain there. The approval means the bill will go to the governor’s desk, but it doesn’t mean the “spring forward” clock change Sunday at 2 a.m. will put the state on permanent daylight saving time.

Currently, states can opt out of daylight saving time to stay on standard time, but cannot make daylight saving time permanent. So, it will be interesting to see what transpires in the coming weeks.

Most areas of the United States observe daylight saving time (DST), the exceptions being Arizona, Hawaii, and the overseas territories of American Samoa, Guam, the Northern Mariana Islands, Puerto Rico, and the United States Virgin Islands.

Whether you love it or hate, know that it’s a good time to do a few inexpensive, routine updates in and around your home.

1 - Replace the smoke alarm and carbon monoxide detector batteries.

These alarms save lives! For just a few dollars and minutes of your time, you can economically and quickly replace the batteries and know your family is safer.

2 - Prepare a storm kit for your home and car.

This can be a lifesaver in a power outage or if you get stranded in your car in bad weather. Make sure you have a long-lasting LED flashlight, a reflective vest for walking at night, non-perishable snacks, water and a warm blanket. Go to www.ready.gov/build-a-kit for more detailed kit information.

3 - Check your sump pump.

Spring often brings rain so make sure your sump pump is draining properly. Do not wait until a major snow thaw or rainstorm to find out that the pump’s motor is shot and you have 4” of water in your basement. It’s also a good idea to invest in a backup battery in the event of a power outage.

4 - Inspect the exterior of your home.

Did you just get through a harsh winter? Take a walk around the outside of the house: Are there cracks in the concrete? Is the driveway in good condition? Check the roof for signs of loose or broken shingles. Look up at the chimney for signs of wear. Check the facade and foundation for cracks or signs of water pooling.

5 - Change your clocks.

If you have any clocks in your home that run on batteries, make sure to set them ahead one hour before you head to bed. If you have an older model car like me, make sure to change the clock on your dash as well. Then when you wake it you’ll be on the right track.

As for keeping your body on track, you know that it’s coming, so maybe hop into bed an hour early on Saturday night.

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When decorating your permanent home, embrace big, bold color.

So, you’re preparing to move from your temporary digs back into your permanent home. Congratulations! It’s a much-anticipated event that you’ve been thinking about for a while. If you plan on decorating or painting, why not try something new?

Use color!! Don’t opt out and live in a bland beige and boring world. Humans are more comfortable in spaces with color than in those without. A beige world is underwhelming and understimulating—and that’s stressful.

Small but Mighty

If you’re a little apprehensive and not sure just where to apply your color splash, pick a smaller room and start there. A powder room, foyer or accent wall are the perfect canvas for your first foray into the wonderful world of color.

If you decide to jump in and paint yourself, great! You’ll enjoy the satisfaction of seeing your masterpiece sooner since the smaller area will be completed more quickly.

Where to start?

Once you’ve chosen where to paint, now it’s time to choose the color. Do you have a favorite hue you’d like to see on the walls of your home? Head to the paint store or home warehouse and grab a few swatches. (They are FREE, so grab as many as you’d like). Tape the swatches on the wall that you’re going to paint. Make sure to look at the swatches at various times of day as they will change as the lighting does.

Having trouble making a decision because the paint swatch is so small? Purchase a pint of your chosen color for less than $5 each. Using a brush, paint part of the wall in a larger area to help you decide if you like the color.

Moody Hues

Extensive research on “color psychology” has revealed the special “powers” of particular colors. When making your selection, consider the mood of the room and what feelings you want to evoke.

GREEN > Seeing the color green has been linked to more creative thinking—so greens are good options for home offices, art studios, etc.

RED > Having a red surface in view provides a burst of strength, so reds are good choices for home gym areas, etc. Seeing red has been linked to impaired analytical reasoning, though, making it a bad option for offices.

VIOLET > People link a grayish violet with sophistication, so it can be a good selection for places where you’re trying to make the “right” impression.

YELLOW > Using yellow in a home can be problematic. Many people dislike the color, so if you have a lot of yellow rooms in your home or a yellow front door, you may be advised to repaint to get the best price for your home should you sell. An exception: Many people use yellow in kitchens—with no negative sales repercussions. Yellow may be accepted in kitchens because warm colors stimulate our appetite.

BLUE > People are more likely to tell you that blue is their favorite color than any other shade. That makes it a safe choice. Seeing blue also brings thoughts of trustworthiness to mind; always a good thing.

Be bold and brave and don’t shy away from color. At the end of the day, if you hate the hue you’ve chosen, it’s a simple fix to just paint over it.

 

Sources:

www.hgtv.com/design/decorating/color/10-tips-for-picking-paint-colors www.psychologytoday.com/blog/people-places-and-things/201504/the-surprising-effect-color-your-mind-and-mood https://freshome.com/room-color-and-how-it-affects-your-mood
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Safety tips for during and after a blizzard.

Winter storms can pack a devastating punch bringing not only snow and ice, but by dangerously low temperatures, severe wind gusts, and flooding. These blasting storms can also cause power outages that last for days. They can make roads and walkways extremely dangerous or impassable and close or limit critical community services such as public transportation, child care, health programs, and schools. Injuries and deaths may occur from exposure, dangerous road conditions, and carbon monoxide poisoning and other conditions. We want you to take extra care of yourself and your family during this time. Below are a few safety tips on what to do during and after a major winter storm.

During Blizzards and Extreme Cold

  • Stay indoors during the storm.
  • Drive only if it is absolutely necessary. If you must drive: travel in the day; don’t travel alone; keep others informed of your schedule and your route; stay on main roads and avoid back road shortcuts.
  • Walk carefully on snowy, icy, walkways.
  • Avoid overexertion when shoveling snow. Overexertion can bring on a heart attack—a major cause of death in the winter. Use caution, take breaks, push the snow instead of lifting it when possible, and lift lighter loads.
  • Keep dry. Change wet clothing frequently to prevent a loss of body heat. Wet clothing loses all of its insulating value and transmits heat rapidly.
  • If you must go outside, wear several layers of loose-fitting, lightweight, warm clothing rather than one layer of heavy clothing. The outer garments should be tightly woven and water repellent.
  • Wear mittens, which are warmer than gloves.
  • Wear a hat and cover your mouth with a scarf to reduce heat loss.

After Blizzards and Extreme Cold

  • If your home loses power or heat for more than a few hours or if you do not have adequate supplies to stay warm in your home overnight, you may want to go to a designated public shelter if you can get there safely. Text SHELTER + your ZIP CODE to 43362 (4FEMA) to find the nearest shelter in your area (e.g., SHELTER20472)
  • Bring any personal items that you would need to spend the night (such as toiletries, medicines). Take precautions when traveling to the shelter. Dress warmly in layers, wear boots, mittens, and a hat.
  • Continue to protect yourself from frostbite and hypothermia by wearing warm, loose-fitting, lightweight clothing in several layers. Stay indoors, if possible.

Cold-related Illness

  • Frostbite is a serious condition that’s caused by exposure to extremely cold temperatures.
    • a white or grayish-yellow skin area
    • skin that feels unusually firm or waxy
    • numbness
    • If you detect symptoms of frostbite, seek medical care.
  • Hypothermia, or abnormally low body temperature, is a dangerous condition that can occur when a person is exposed to extremely cold temperatures.  Hypothermia is caused by prolonged exposures to very cold temperatures. When exposed to cold temperatures, your body begins to lose heat faster than it’s produced. Lengthy exposures will eventually use up your body’s stored energy, which leads to lower body temperature.
    • Warnings signs of hypothermia:
    • Adults: shivering, exhaustion, confusion, fumbling hands, memory loss, slurred speech drowsiness
    • Infants:  bright red, cold skin, very low energy. If you notice any of these signs, take the person’s temperature. If it is below 95° F, the situation is an emergency—get medical attention immediately.

Carbon Monoxide

Caution: Each year, an average of 430 Americans die from unintentional carbon monoxide poisoning, and there are more than 20,000 visits to the emergency room with more than 4,000 hospitalizations. Carbon monoxide-related deaths are highest during colder months. These deaths are likely due to increased use of gas-powered furnaces and alternative heating, cooking, and power sources used inappropriately indoors during power outages.
  • Never use a generator, grill, camp stove or other gasoline, propane, natural gas or charcoal¬ burning devices inside a home, garage, basement, crawlspace or any partially enclosed area. Locate unit away from doors, windows, and vents that could allow carbon monoxide to come indoors. Keep these devices at least 20 feet from doors, windows, and vents.
  • The primary hazards to avoid when using alternate sources for electricity, heating or cooking are carbon monoxide poisoning, electric shock, and fire.
  • Install carbon monoxide alarms in central locations on every level of your home and outside sleeping areas to provide early warning of accumulating carbon monoxide.
  • If the carbon monoxide alarm sounds move quickly to a fresh air location outdoors or by an open window or door.
  • Call for help from the fresh air location and remain there until emergency personnel arrives to assist you.
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Are the upcoming holidays getting you stressed? You can still be jolly and say “No-No-No” this holiday season.

Is thinking about December and the end of the year holidays starting to get you stressed? Join the club!

But, let’s take a step back and maybe not join that ridiculous group. We can make our very own holiday magic by saying “no” more this holiday season. Sound harsh? We don’t need to go full on Grinch, but it might just be worth your while.

Here’s a few things you can, and possibly should, say “no” to this upcoming holiday season.

George Pratt, PhD Psychologist at Scripps Memorial Hospital La Jolla in California

Over-spending

Choose presence over presents. Give and receive gifts with love and gratitude this season but remember that love isn’t inside the box. You can’t prove how much you love someone by giving them a present.

Lack of money is one of the biggest causes of stress during the holiday season. Try setting a budget this December, and don’t spend more than you’ve planned. It’s okay to tell your child that a certain toy costs too much. Be smart and don’t buy gifts that you’ll spend next year trying to pay off.

Over-committing

As your calendar gets a little crammed between now and the end of the year, decide what really matters to you. Spend time each morning or evening and take a good look at your day. What’s important? What’s not? Just because you have empty space on your calendar doesn’t mean you need to fill it with appointments and obligations.

Don’t say no because you’re so busy. Say no because you don’t want to be so busy. Especially in this busier season of work and holidays, down time is more important than ever. Put on your coziest jammies, make some tea and grab a book and enjoy YOUR time.

Over-indulging

Think about if you really need that 2nd plate or 3rd cocktail. Remember how miserable you were after Thanksgiving dinner? Instead of abandoning the things you know are good for you in the name of enjoying the holiday season, dig in deeper. Sleep 7-8 hours a night and spend more time nourishing your body, heart and soul.

Taking care of yourself should be at the top of your list. If you don’t take care of yourself, you can’t take care of anyone else.

It’s in the quiet moments, and in the white space that you are open to magic. Create that for yourself. Make room for magic, comfort and joy.


 

Sources:

www.bemorewithless.com

www.webmd.com/balance/stress-management/tc/quick-tips-reducing-holiday-stress-get-started#1

www.health.com/health/gallery/0,,20306655,00.html#stick-with-your-daily-routine

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Fall’s transformation is here, how will you change?

The first day of fall is Friday, September 22

As the leaves begin to fall and the heat of summer fades, we naturally begin to think about how we need to prepare for the changing season. Do we start to replace summer clothes for sweaters, pants, and boots? Is it time to think about putting down the storm windows? When do we move the shovel and salt closer to the garage door?

These are all great questions and items on many people’s lists. But how else can we better prepare ourselves for what else might be coming next?

 

Disasters don’t plan ahead, but you can

As we prepare for fall, we also come to the end of National Preparedness Month (September 2017). We hope that you have thoughtfully taken steps to prepare yourself, your family and your home for potential natural disasters and national emergencies. With the devastation we’ve recently seen with Hurricane’s Harvey and Irma, and the recent earthquakes in Mexico, we know that disaster can strike at any time and any where.

Here’s a checklist to help guide you in making a plan for you and your family:

www.ready.gov/make-a-plan

 

The importance of property insurance

Homeowners insurance not only protects your home, which may very well be your largest investment, but gives you a sense of security. The general assumption is that whatever happens to your home is covered. In actuality, typical perils (causes of property destruction) that are generally not covered are flood damage, earthquake, mold, acts of war and parts of the property in disrepair (including worn-out plumbing, electrical wiring, air conditioners, heating units and roofing). A few of these can be added as separate policies.

Educate yourself on what your policy does and, more importantly, does not cover.

 

Home health

It’s also important to consider your home and how to prepare it for the upcoming colder seasons. Here’s a helpful Home Fall Checklist from our friends at Better Homes & Gardens:

www.bhg.com/home-improvement

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