wait, what was that?

Sometimes you have to take a moment to relax and enjoy…wait, what was that?

     Distractions play a role in day to day life and most are unimportant, yet we focus on them instantly. Email bings, text alerts, phone rings, bathroom breaks and water cooler gossip cut into our important life activities because we let them.

     In sports, coaches always yell at the players to focus; focus on the ball, focus on the offensive player, and focus on the game itself. In business, you need a coach to tell (or yell at) you to focus on your work and finish what you started. Turn off the ringers of your phone, turn off any alerts you have for emails or texts and keep the gossip to a minimum. However, go to the bathroom often, drinking plenty of water is a good thing and bad things can happen if you hold it for too long!

     If you set an agenda for your day and have a plan, you are more likely to finish everything you need to get done. Take the time to do this and you will be happy you did, then thank your new coach for helping you focus. All the while when you are…wait, what was that?

Monthly Costs...but how much?

     While discussing insurance, the number one question is “how much is it per month?” The common response: “That’s too much!”

     No matter what the coverage, no matter what the factors are, no matter what the company, people feel insurance costs too much. So let’s look at a few things while you read this drinking your Grande Mocha Frappuccino Skinny Latte costing $4.80. You have your monthly costs, but how much CAN it really cost you?

     Most insurance companies have their target clients; number of assets, income, household size and location. The companies price their products based on these factors and some companies want the people willing to pay more for better coverage while others target the minimum payment customers. Next time you talk to your company, ask them how much it would cost to go to the ‘next level’ of insurance coverage, it may surprise you.

     Increasing your coverage may only cost you a cup of coffee or an HBO package per month and we are talking double or triple coverage. Like interest on a credit card, your purchase today could add up in the future if you were to cause a major accident. The attorney on the other side doesn’t care about your lifestyle or how you like your coffee or what shows you watch and they will go after your income.

     For a little bit more money per month, look at adjusting your insurance up and don’t always think the insurance costs too much. After an accident, you will be glad you have the better coverage and you can never have too much.