January 2014 E-Newsletter



Keeping Your New Year’s Resolutions

The New Year is a time of reflection on what happened in your life the past 12 months and what you want do differently in the next 12 months. While many people make New Year’s resolutions, most are forgotten about or broken before January is even over. However, there are simple steps you can take to ensure your New Year’s resolutions are kept.

1. Start Small

Make resolutions you think you can keep. For example, if your goal is to exercise more, try going to the gym three days a week rather than seven. If you would like to eat healthier, try replacing dessert with fruit or yogurt.

2. Change One Behavior at a Time

Unhealthy behaviors don’t develop all at once. Don’t expect that you’ll be able to replace them with healthier behaviors at one time. Changing behaviors requires time and dedication. Don’t get overwhelmed or upset if you can’t meet a goal right away. Stay positive and focused.

3. Share your Goals with Others

Talk about your resolutions with family and friends. Consider joining a support group, such as a workout class or a group of coworkers who want to quit smoking. Having someone to share your struggles and successes with makes your journey to a healthier lifestyle that much easier and less intimidating.

4. Don’t Give Up

Nobody is perfect. Don’t give up on your goals because you ate an extra cookie at the company potluck or skipped the gym for a week because you were traveling. Everyone has ups and downs. Resolve to recover from your missteps and get back on track.

5. Reward Your Accomplishments

This doesn’t mean that you can gorge yourself on chocolates if you drop 5 pounds on your quest to lose weight. Treat yourself to something you enjoy that doesn’t counteract your resolution. Reward yourself with a new pair of running shoes or by going to a movie with a friend. The rewards don’t need to be expensive or elaborate.

Smart InsuranceNew Year’s Resolutions
  • According to FEMA, 90 percent of major natural disasters in the U.S. involve flooding. Yet many homeowners skip flood insurance. Resolve to buy flood coverage if there is a moderate chance that your home could be damaged by rising waters during a storm.
  • The most important factor that determines what you pay for auto insurance is your driving record. By driving carefully and observing the law, you can lower your auto insurance premium.
  • The start of a new year is a great time to update the inventory of your possessions. You’ll need an accurate list if you ever have to make a home insurance claim. If you don’t have the time to write things down, make a video recording of your possessions. Make sure your home insurance coverage remains high enough if you ever have to repair or rebuild at today’s construction prices.

Your Trusted Advocate

Every day you are bombarded with numerous ads about insurance. Often times it’s hard to know the best way to buy insurance or the best company to buy from. That’s why you need an independent agent from Texas Insurance & Financial Services, Inc.

Independent insurance agents represent a number of different insurance companies and can quote a wide range of insurance products. An independent agent has the opportunity to study different carriers in an effort to best match price and coverage for your needs.

Your Texas Insurance & Financial Services, Inc. agent is here to help you with all your insurance needs. Customer satisfaction is our top priority. We will work with you to find you the best coverage at the most competitive rates. Contact us today to learn how we can ensure you have the right coverage for everything that is important to you.

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