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Fitness Apps to Help You Get Healthier

Check out these smartphone fitness apps to help you stay healthy and motivated.

Putting your health first is an essential part of living a long healthy life. Eating the right foods, getting enough exercise, and sleeping a full eight hours are all vital to keeping our bodies functioning well. However, despite knowing what we’re supposed to do, sometimes, in reality, we fall short. Stay on track when it comes to your health, and check out these smartphone apps. They’ll help you get into shape in no time.

RunKeeper

Getting back into fitness can be challenging if you’ve been out of practice. Try easing back into exercise and start with running. All you need is a good pair of running shoes and the RunKeeper App. The app will help you to set goals and keep track of all your running so that you can stick to your fitness plan. Plus, the app creates a sense of community. It helps you to connect with your friends and accept challenges so that you can stay motivated.

JEFIT

The gym can be intimidating. It seems as if everyone knows exactly what they’re doing, while you’re left confused and lost. Hit the gym without the fear of judgment. Use the machines like a pro with the JEFIT app. It’s the perfect way to personalize your gym routine so that you’re better able to get fit and healthy. The app helps you to track your progress and stay motivated with the right

My Diet Coach

When it comes to your health, exercise is just part of the equation. You also need to eat the right foods. Keep track of your intake so that you’re better able to determine how you eat. That way, you’re better able to see where you lack nutrients in your diet. Check out the MY Diet Coach app so that you’re better able to keep track of your eating habits. With the app, you can, record your foods, set goals, and accept challenges for a healthier lifestyle.

Live a healthier lifestyle to improve your quality of life. Protect your life with the right insurance. For all your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

Tips to Prevent Allergies in Your Home

Keep your home clean to reduce allergy symptoms.

Your home is a perfect place to kick back and relax after a long day. However, if you’re an allergy sufferer, your home may be causing your more grief than relaxation. Your home is riddled with dust, dander, mold, and dirt that triggers your uncomfortable allergy symptoms. End your sneezing, itchy eyes, and runny nose, and check out these tips to help keep your allergy symptoms to a minimum.

Clean House.

When it comes to minimizing your allergy symptoms, you need to clean often. That way you’ll be better able to stave off the dust in your home. However, when wiping down surfaces, make sure to use a damp cloth to pick up all the dust particles. Otherwise, you’ll just spread them around, which can then make your allergies worse.

Steam Clean.

Carpets harbor a multitude of allergens. Their fine knit fibers are the perfect place for dust and dirt to get trapped, which means permanent allergens in your home. However, a good steam cleaning is your best bet to keep your carpets allergen free. Use a steam cleaner at least once a year, and vacuum regularly.

Air Out the Bathroom.

It’s not just dust and dander that can aggravate your allergies, but mold can too. Your bathroom is a prime location for mold growth. Pay extra attention when cleaning your bathroom, and always make sure that it’s properly ventilated whenever you shower. That way you can reduce mold growth and keep your allergies in check.

Take Your Shoes Off.

Wearing your shoes inside your home can increase the spread of allergens. Rather, remove your shoes as soon as you come into the house. That way you’re better able to control the spread of allergens throughout your home.

Protect your health with these allergy prevention tips. Protect your home with the right homeowners insurance. For all your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

How to Choose the Right Auto Insurance Policy

Get enough auto insurance coverage and check out what you need to know.

Driving a car is dangerous; it can even be lethal. That’s why driving a car is a huge responsibility. If you get into an accident, you’re responsible for covering the damage. That’s where auto insurance comes in. It gives you the coverage that you need to protect yourself in the event of a crash. However, different policies offer different coverages. Learn about the various types of coverages so that you can rest easy knowing that your car is covered.

Liability:

When it comes to your auto insurance, you’re required by law to have at least basic liability coverage. This type of policy gives you the bare minimum so that if you do get into a car accident, you’re able to cover any property damage or injuries that you’re found at fault for. It will give you the protection you need to cover liability issues, however, keep in mind that it won’t help you to pay for your own car or medical bills.

Collisions:

If you want to increase your coverage a bit to cover damage to your own car, check out a collision policy. It will help to give you the coverage that you need so that you’re better able to fix your car in an accident. However, keep in mind that this type of policy only covers accidents that occur with another vehicle.

Non-Car Collisions:

Sometimes your car is damaged by something other than a car accident. Perhaps your car has been vandalized. Maybe your car has been damaged by a hail storm. No matter what type of damage caused, a comprehensive auto insurance policy is the best way to protect your car from non-collision based damage.

Other Vehicles on the Road:

You’re not the only driver on the road. Despite being a responsible car owner, other drivers on the road may not have the auto insurance they need to cover damages. If they’re short on their liability coverage, or don’t have coverage at all, you may be left footing the bill. Protect yourself with a noninsured policy.

Get the auto insurance coverage that you need. For all your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

Be Prepared & Know How to File a Life Insurance Claim

Talk about life insurance with your family so that they’re prepared to make a claim.

A life insurance policy is an uncomfortable subject. However, It’s a necessary evil. No one wants to use their policy, but eventually, your family will have to. With a loss, comes immense grief and stress, which can make it difficult to get all the necessary affairs in order including life insurance. Make the process easier, and have a discussion with your loved ones. Check out what you and your loved ones need to know about filing a life insurance claim.

Talk to Your Loved Ones.

When it comes to your life insurance, be open and honest about it. Speak to your beneficiaries (you should always have at least two) about your policies so that they are up to date on them. Make sure that they know where all your policy information is located so that if a claim needs to be filed, so they’re able to do so.

Filing a Claim.

It can take a little while to process a life insurance claim. However, the process can be streamlined if you’re prepared. Know which documents that your loved ones will need to file a claim and have all the documents stored away in a safe place. You’ll likely need the insured person’s full name, date of birth, residence, policy number, and the death record showing cause of death. Put all the necessary information in a binder, sans the death certificate of course, with a checklist so that your loved ones are well prepared. However, do keep in mind that your beneficiaries will need to submit the original copies or notarized copies. Also include the name of your insurance agent so that your family can get in contact with them and verify if any additional documents are needed.

Talk about your financial future, and protect your loved ones with the right life insurance. For all your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

Tips for Your Motorcycle Summer Road Trip

Check out these tips for your motorcycle road trip!

Summer is here! The beautiful weather and longer days make it the perfect time for a road trip. Dust off your bike and ride down a scenic country road. However, before you set off on your motorcycle road trip, take a few safety precautions. Check out these tips to stay safe on your motorcycle road trip.

Inspect Your Bike.

Before you set out on a long journey, know that your bike is ready to go. Look over your motorcycle and test all its systems to ensure they’re working properly. Check the chain for any weak links, test the light, verify that all the oils and fluids have been replenished, replace any dirty filters, and test the brakes. Additionally, check your tires. They should be properly inflated, especially before a long trip.

Make a Plan.

Planning isn’t exactly dangerous or adventurous; however, it’s a necessary component of travel. It’s a practicality that’s needed so that you know where you’re going to sleep and where to refuel so that you’re not left stranded on the roadside. Before your journey, create an itinerary. Plan out your route, where you’re planning on stopping, and where you’re going to stay. That way you’re well prepared. Better yet, give a copy to a trusted loved one so that they know where you’ll be.

Pack Appropriately.

Since you have limited space, you don’t want to pack too much. You can buy certain items as you travel. However, you’ll want to pack versatile clothing that can be used more way than once. Additionally, it’s important to be prepared for various types of weather. Be prepared and don’t bring anything you mind getting a wet.

Enjoy exploring the open road on your motorcycle road trip, but don’t forget to protect your bike with the right motorcycle insurance. For your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

Tips to Brush Up on Your Camping Safety

Be prepared for your camping trip with these safety tips.

The kids are off from school and the weather is nice and warm. It’s the perfect time to go camping! Despite its beauty, nature can be treacherous. Take the necessary precautions and check out these camping safety tips to keep your trip mishap-free.

  • Plan ahead. Map out your camping plans at least a few days in advance. Determine where you’ll be and how long you plan on staying. Once you’ve finalized your plans, give your itinerary to a trusted friend or relative. That way someone will always know where you are in case you get into trouble.
  • Never travel alone. There’s safety in numbers, so always travel with a buddy. That way if anything goes wrong, you can help each other out.
  • Bring all the necessary equipment. There are a few essentials that you should always bring along with you if you’re venturing out into the wilderness. Pack a bag with a flashlight, water, non-perishable food, blanket, compass, whistle, first aid kit, and anything else that you think you may need while out and about in the wild. Keep that bag with you at all times.
  • Practice sun safety. Spending time outdoors makes sun safety of the utmost importance. Don’t forget to bring a hat and enough sunscreen. Lather up in plenty of SPF 30 and wear sunglasses.
  • Keep your distance from wildlife. Remember that you’re venturing into the wild. If you encounter any animals, use extreme caution. Do not aggravate them or try to pet them. When scared, they can be extremely dangerous. Admire wildlife from afar.

Stay safe while camping this summer with these tips. Stay safe all year long with the right insurance. For your insurance needs, contact the professionals at The Schwab Agency. Located in Colleyville, Texas, we serve all your insurance needs.

Check the Vehicle History Report Before Buying a Used Car

Find out what you need to know about vehicle history reports.

Congratulations! You’ve decided to buy a car. However, when buying a used car, there are certain precautions that need to be taken. Protect yourself from getting a faulty vehicle by asking to review the vehicle history report before you buy a car. These reports can give you valuable insight into whether or not buying such a car is a good deal. Check out what you need to know about vehicle history reports so that you can rest easy when you buy your used car.

What is a vehicle history report?

A vehicle history report is a document that gives you various information about a vehicle. It’s a safeguard to give you the vital information about the car so that you can make an informed decision before you decide to buy a vehicle.

What will a vehicle history report tell me?

A vehicle history report will give you all sorts of information about a car’s history. It includes information about the previous owners, what the odometer readings were, title history, accident history, “lemon” determination, mechanical information, and any other useful information about the car’s history to give you an idea of the car’s condition. While any information is useful, do keep in mind that sometimes the vehicle’s history report lacks information because it couldn’t be obtained.

Why do I need a vehicle history report?

You need to look at the vehicle history report before buying because it can give you clues as to whether or not you’re going to encounter issues down the line. The more informed you are about the history of the car, the better you’re able to make a decision about purchasing a used vehicle.

When it comes to buying your used car, review the history report and purchase auto insurance. For your insurance needs, contact the professionals at The Schwab Agency. Located in Colleyville, Texas, we serve all your insurance needs.

Safety Tips For Your Home While You're Away

Protect your home from burglaries while you’re out of town with these tips!

School is out for summer! With beautiful weather and without any school, it’s the perfect time to take a vacation. However, when you head out of town, it leaves your home vulnerable to burglaries. Ensure that your vacation is worry-free and check out these tips to ensure your home is safe even after you leave.

Talk to Your Neighbors.

When you’re preparing to leave, don’t forget to tell your neighbors. If they do notice any activity around your home, they can then alert the authorities. Additionally, give your emergency contact number to a couple of trusted neighbors just in case they need to get ahold of you while you’re away.

Beef Up Security.

If you already have a security alarm, you’re well covered. In the event that a person tried any funny business, someone at the security company will be alerted. However, if you don’t have a security system, you can fake it. Put a security system sticker on your property. There’s a 50 percent chance that it’s real, and most burglars won’t want to take that chance. It helps to keep your home safe and sound while you’re away.

Leave the Lights on.

A dark home signifies an empty home. Make sure to set a few lights throughout your home on a timer. Be sure to have the porch light on as well as in the living room. Just be sure that they’re on a timer so that they’ll go off at night. A dark house is suspicious, but so is a house with lights on 24/7.

Keep your home safe when you’re out of town with the right homeowners insurance. For your insurance needs, be sure to contact the professionals at The Schwab Agency. Located in Colleyville, Texas, we serve all your insurance needs.

Tips To Protect Yourself From Bug Bites

Lower your risk of bug bites with these tips!

Putting your health first is important. It’s important to eat healthy, drink plenty of water, exercise, and get enough sleep to keep your body functioning properly. However, sometimes you’re susceptible to diseases that can come from bugs. For example, Lyme disease comes from ticks and West Nile Virus is transmitted through mosquitos. Protect your health and take measures to protect yourself from creepy crawlers this summer. Check out these tips to help protect against bug bites.

Avoid Areas where the Bugs Live.

Ticks like to live in heavily wooded areas, and mosquitos typically live near water. If you can, steer clear of these areas to reduce your risk of getting bitten. Additionally, there are certain times of day when you’re more likely to be bitten. That’s not to say that mosquitos won’t bite at any other time of day. Avoid mosquitos and stay indoors in the evenings.

Wear the Right Clothing.

Long pants and long sleeves can provide you with added protection against pesky insects. If you’re heading out into the wilderness, also wear long socks. Tuck in your shirt and tuck your pant legs into your socks to avoid any openings that leave you vulnerable to bug bites.

Use Bug Spray.

Treat your clothing with insect repellant to help avoid getting bitten. Additionally, ensure that you use an effective bug spray when going outside. DEET, Picaridin, OLE, PMD, and IR3535 are all good sprays to keep bugs at bay. Just be careful when spraying your skin and always read the directions on the bottle.

Be Vigilant During an Outbreak.

In the event of an outbreak, avoid the area if possible. If it’s unavoidable, be wary of the signs and symptoms of the current outbreak. That way you can get the medical attention that you need to get better.

Keep bugs at bay so that you stay healthy. Be sure to invest in the right insurance, and contact the professionals at The Schwab Agency. Located in Colleyville, Texas, we serve all your insurance needs.

How Insurance Annuities Benefit You

Invest in your future with life insurance annuities!

It’s important to think about your future. You want to ensure that you have the means to take care of yourself and your family when you retire. Additionally, you want to ensure that your loved ones are taken care of even after you’re gone. Ease your worries with annuity benefits. These annuities are an insurance policy that works as an investment account. You pay into it initially and then pay a fixed amount of money annually. It helps to give you the peace of mind that you’ll be taken care of even well into your retirement. There are many types of insurance annuities. However, a fixed deferred annuity can give you lots of benefits in retirement. Check out these reasons why insurance annuities can be beneficial to you.

Security.

A fixed deferred annuity will always hold its value. It grows at a constant interest rate and so the money in your account will only increase (unless you make a withdrawal, of course!).

Monetary Growth.

With a fixed deferred annuity, your money generates interest and increases the amount that you have in your account. While regular annuity accounts would have to pay taxes on this income, a deferred annuity allows you to wait to pay taxes until you’ve withdrawn funds. Therefore, your money may increase faster than if you put it in a different account.

Retirement Income.

When you have an annuity, you know that you have a steady source of income for the rest of your life. That’s one less worry to think about as you engage in the golden years of your life.

Access to your Funds.

While there are a few tax penalties if you try to access your money before age 59½, you have access to your money for whenever you need it.

Look ahead to your future and think about investing in a life insurance annuity. For your life insurance needs, be sure to contact the professionals at The Schwab Agency. Located in Colleyville, Texas, we serve all your insurance needs.