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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.

How Office Ergonomics Affect Your Health

Are ergonomic chairs good for you?

When it comes to keeping your office a positive work environment, it’s important to keep your employees comfortable. However, sometimes the nature of the job can be uncomfortable. Sitting at a desk for hours on end, for example, can be uncomfortable. Employers have thus set out to help alleviate the discomfort. From standing desks to exercise balls to customized chairs, there are many ways in which businesses have tried to fix the problem. While some people swear by these new trends, others aren’t so convinced. Are these new practices better for our health? Check out what the verdict is on these office ergonomic chairs and other devices.

Exercise Balls.

Sitting on an exercise ball all day may remind you of your childhood. However, they’re becoming more of a staple in the workplace than ever before, claiming to be better than your regular desk chair. While they help to engage your abdominal and back muscles, using an exercise ball as a chair may do more harm than good. Constantly engaging your back muscles can put stress on your back which can lead to serious injuries like compression of discs in the spine. While they’re great to use for designated exercises, they’re not best used as office chairs.

Standing Desks.

The standing desk has become a popular option when it comes to reducing the number of hours that you spend sitting down. However, it has its pros and cons. When it comes to your standing desk, ensure that you’re using it properly. Standing too long can cause injury and affect posture negatively. Ensure that if you’re using a standing desk that you’re using it properly by alternating between sitting and standing.

Chairs.

A proper office chair may be your best option. Ensure that it is suited to the right height for lumbar support, and that you’re not straining your body. The right chair can make all the difference.

Ensure that you put your health first. For your insurance needs, be sure to contact the professionals at The Schwab Agency. Located in Colleyville, Texas, we serve all your insurance needs.

National Physical Fitness Month Exercise Tips

May is National Physical Fitness Month!

With our busy schedules, it can be hard to fit exercise into your schedule. It’s recommended that the average adult gets 30 minutes of exercise most days of the week. However, not all of us are getting our recommended exercise. In honor of National Physical Fitness Month, make it a habit to exercise more! Stick to your fitness goals, and check out these ways to help you stay active and motivated.

Consistency Is Key.

One push up isn’t going to do much when it comes to your health. It takes time and patience to build up your strength. Be sure to stay consistent with your workout plan so you can stay healthy.

Mix It Up.

While it’s important to stick to a routine, it’s also important to have fun. Routines can get boring, so make sure to mix it up. Rather than running your usual mile, try taking a dance class or going for a hike. When you’re having fun, it won’t feel like exercise, and you’ll be more likely to stick with it.

Pick A Buddy.

You’re more motivated to follow through on tasks when you have a buddy to hold you to your word. A buddy helps keep you accountable. Plus, your workout partner helps to encourage you through your fitness journey.

Set Goals.

When you have a goal to work toward, you’re more motivated to accomplish it. However, be sure to pick manageable goals. Pick small goals so that they’re attainable, and stick to your workout plan.

Have Patience.

Health and fitness are a journey. Remember that you’re not going to see results overnight. It takes time to get fit. Be patient and stick to your fitness goals.

Ensure that you put your health first. 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.

Hiring A Subcontractor For Your Next Home Project

Protect yourself from liability!

Home improvements help improve your quality of life and make your home more comfortable. However, you may not have time for all those home improvements around the house, and so you bring on a subcontractor. However, before you hire a subcontractor, be sure that you check out their background. Find out what you should check before you hire a subcontractor.

Liability Insurance.

Before you bring a contractor on, be sure that they have insurance to protect themselves. If they work for a staffing agency, then the agency should offer some sort of workers compensation. However, if they are independent, they should have professional liability insurance. That way you ensure that your contractors are protected and that you’re safe from any liability.

Certificate of Proof.

Ensure that you check up on your subcontractor’s claim to having insurance. Ask to see a certificate of liability insurance. That way you know that your contractors are covered, and you won’t have to worry.

Keep a Contract.

When you work with a contractor, be sure to have a formal document that outlines your agreement. This way you can protect your business. This contract should include information about liability and should be written so that you have the right to terminate the contract at will. For specifics, ensure that you consult with a lawyer.

Background Check.

Be sure to check up on your subcontractors. Know what projects they’ve been involved with previously and ensure that they haven’t made any mistakes. If your contractor has made several mistakes in the past, he or she could put you at risk.

Keep your home safe by hiring the right contractor and investing in homeowners insurance. For all your commercial insurance needs, contact the professionals at The Schwab Agency. Located in Colleyville, Texas, we serve all your insurance needs.

Barbecue Safety Tips For Grilling Season

Barbecue safety tips to keep you & yours from harm!

As the weather warms up, springtime entertaining begins. Ensure that your next barbecue runs smoothly and safely. Avoid grilling mishaps and check out these barbecue safety tips.

Keep A Safety Perimeter.

Your grill could pose a safety risk. Be sure to keep your barbecue away from any structures or flammable items. Your barbecue should be at least ten feet away from your home. Additionally, be sure to keep children and pets away from the grill. Fire and curious little ones are not a good mix.

Clean The Grill Regularly.

As your cook on your grill, meats drip fat and leave grease all over your grill. While it may not seem like a big deal, the fat and grease on your grill have the potential to start a grease fire. Be sure to scrape off grease before and after you grill to ensure that you stay safe.

Check For Leaks.

If you have a propane gas barbecue, ensure that there aren’t any leaks. Not only is the gas poisonous if too much is inhaled, but it adds fuel to the fire. Examine the hose and the gas connections. Try using the bubble test to find any leaks. Use a soapy solution to rub all over the hose. Turn on the gas but do not add any flame. If you see any bubbles on the hose, then you’ve sprung a leak, and you need to fix it before you start grilling. However, if there aren’t any bubbles, then you’re good to go.

Keep A Fire Extinguisher On Hand.

When you grill, you’re playing with fire. Ensure that you keep any flames under control and keep a fire extinguisher nearby. However, if flames get out of control, get to a safe area immediately and call the fire department.

Ensure that you protect your home from grilling mishaps with the right homeowners insurance. For the best policies, contact the professionals at The Schwab Agency. Located in Colleyville, Texas, we serve all your insurance needs.

Your Guide To Homeowners Insurance Essentials

Get the homeowners insurance that you need!

When it comes to your home insurance, you want to ensure that you have the right coverage. A gap in your policy could lead to hefty out of pocket costs. Make sure you have enough coverage and check out this guide to your homeowners insurance.

Replacement Cost vs. Cash Value

When looking for home insurance, be sure to check how your coverage will be given. Different policies have different ways of covering damage. If your policy offers replacement costs, your home repairs or replacements will be replaced regardless of the item’s depreciation. The item will be restored to the state it was in before the damage. If your policy offers cash value, your home repairs or personal possessions won’t be replaced, but rather you’ll be offered cash for the items lost. However, keep in mind that item depreciation will give you a lower return on your items.

Liability Protection

While most homeowners insurance policies include some form of liability coverage, ensure that you have enough liability insurance. Lawsuits are costly and can put your assets at risk. Anything from a backyard mishap to a dog encounter gone wrong; you could be liable for a variety of incidents. Ensure that your homeowners insurance policy gives you enough coverage. If you need additional coverage, consider an umbrella policy.

Living Expenses

When disaster strikes, it may leave your home uninhabitable. Until your home is repaired, you may have to take up residence at a hotel. However, hotel stays and meals out can get expensive. Ensure that you have a home insurance policy that helps to cover additional living expenses. Not all policies are equal when it comes to living expenses, so be sure to be extra thorough in your comparisons.

Ensure that you have all the coverage you need from your homeowners insurance policy. Be sure to get the best homeowners insurance, and contact the professionals at The Schwab Agency. Located in Colleyville, Texas, we serve all your insurance needs.