Your home will be one of the most significant investments you will ever make, both economically and emotionally. Your family will spend countless hours there, among some of your most prized possessions. In the event of any misfortune, let us give you the peace of mind knowing that you are well protected
Lower back pain is a common infliction that affects over 80% of the adult population at one time or another in their lifetime. There are also many causes, and it can be difficult to directly determine the source of the problem without medical intervention or a visit to the doctor or chiropractor.
Some of the more usual causes are likely to be undertaking physical activity in which the body is not used to, such as strenuous gardening or lifting of overly heavy objects. This over-exertion can result in a slipped disk (or a herniated disk). This is a result of twisting, generally while lifting. A slipped disk sounds worse than it probably is. It is merely the occurrence of your spinal bone bulging slightly, and touching on some nerves. Some basic exercises can help to relieve the pain and rectify the slipped disk issue.
Tip 1: Lie on Your Back.
Now this may sound simple (and it is!) but it is also highly effective. Lie flat on the floor, with some pillows placed under your head and knees for support. This takes the strain away from your lower back. An alternative is to place a pillow on a chair seat, and rest your feet on the chair, with your back on the floor. It is recommended to stay in this position for around 5-25 minutes each session.
This is a great way of resting the back and relieving the pressure off your lower back. You should perform this exercise for no more than 1 to 2 days in a row, getting up and walking around every hour.
Tip 2: Use Heating Pads and/or Ice Packs
Heated pads will help to relieve muscle spasm. Use these for 20-30 mins at a time. Ice packs are also a suitable alternative.
Tip 3: Medicines to Reduce Swelling
Some medications that assist in reducing swelling are Aspirin and Endorphin. Panadol is also helpful in controlling minor pain while you rest your lower back and recuperate.
Tip 4: Massage for Muscle Relief
Massaging the lower back can help to reduce any inflammation and swelling. And as the muscles relax, circulation is increased and pain often lessens. If these tips are combined, together with much needed bed rest, your back pain should be gone and your back should be returned to its old self.
We recommend you always consult with your doctor regarding all health matters. Also, it wouldn't HURT to call us at 817-697-4230 to see if we can help you lower your premiums in any way we can.
Often major life events like marriage, divorce, the birth of a child, children heading off to college, or even the death of a loved one can trigger a need for a change in your personal insurance coverage. Let us look at few of the life events that can affect your personal insurance.
Change in marital status creates a need to update your auto insurance. If you have a new person living in your household, your auto insurance will need to reflect that change.
Children heading off to college in another city also create a need to update your auto insurance, especially if they are taking a vehicle to college with them. In addition, your homeowner’s insurance should be updated if your student is taking any personal property to college such as a television, computer, or other items.
If you are newlyweds, you will need to update your homeowners or renter’s insurance to reflect new policyholder information as well as the replacement value of your personal property. If you have renter or homeowner’s insurance now, and you and your spouse or partner combine households, you are automatically covered by the existing policy. However, it is still important to call your agent.
When there are changes in marital status, it is essential to update your health, life, and disability coverage. There may be new names that need to be added or removed as beneficiaries.
When children start arriving in your home, it is essential to consider updating your life insurance to reflect the additional expenses necessary to manage the household in the event the primary breadwinner is gone.
This time of year, many recent high school graduates are preparing for their next phase of life. Their plans may include heading off to college in another city or state. One of the most important things they will need at school is something that doesn’t have to be packed at all – the right insurance coverage. Here is a list of some of the items you should consider before your child heads off to the University.
Insurance Coverage for College Students
Personal property - Depending on the value, items like clothes and computers should be covered under your
homeowner’s policy. However, if your student has an expensive computer, smartphone, tablet, jewelry, or other items, you might not be covered. Most homeowner’s policies have limitations on items valued at over $1,200. Coverage will depend on your individual policy, so we recommend contacting your independent agent.
Auto – If your student is taking a car to college, make sure your agent knows of the address change. We might actually save you money depending on the location. As a full-time student, your child may qualify for a Good Student Discount (if he maintains a grade point average of 3.0 or higher).
Health insurance - Children can remain on your health policy until the age of 26. Many colleges will offer student health insurance at a very reasonable cost.
Personal Liability - This coverage is provided anywhere the student goes, inside the U.S.A. Your student might be covered under your current homeowner’s policy, or even a renter’s policy, if one is in place.
Uber, Airbnb and VRBO may increase your personal liability risk. We live in a digital world that now allows us to share everything from our car, bike, boat, apartment and even our home with total strangers. Smart phones, and the applications that can be added, offer many useful tools, but some of these things create new and increased liability for you. Before you decide to jump into the sharing economy consider the following:
Do these sharing sites have the ability to protect your confidential information? Many times you are giving your credit card information to companies that may not have the ability to protect it.
If you use Airbnb to sublease your apartment, you might check your lease. Many lease agreements have “no sublease” clauses that do not allow for this kind of activity. Also, some big cities are now actually considering outlawing the Airbnb services as it reduces hotel/motel taxes.
Uber offers a taxi service where individuals can offer rides to those who subscribe. Are you confident that these individuals have had proper background checks? Are they experienced drivers? Do they have the correct insurance? Remember, even in states that have mandatory auto insurance laws, over 25% of drivers don’t have insurance.
Personal auto insurance issues should be considered if using your car for hire. There is a big difference in the auto insurance world between a car pool for work and being paid to deliver people.
If you rent your primary home to others, it may limit your personal insurance coverage. Call our office for a review.
The use of the new sharing economy will most likely continue and may be a good way to save money. However, if you have an uninsured claim, the cost may be much greater than the savings. Be aware that using these services may increase your risk of loss. The insurance industry will respond over time to the sharing economy, but in the meantime, there are limitations and restrictions in your current homeowner’s and personal auto insurance policies of which you need to be aware.
As we edge closer to back to school and hopefully a much cooler fall, please consider contacting us for an 'autumn checkup' on all your insurance policies. 817-697-4230.
As always all, of us at Planners Insurance Group appreciate your business and the trust you have placed in us.