Spring Storm Season

Spring is here and with it comes storm season.  What does that mean for MAX members?  Storms can bring large amounts of water near your home in short periods of time.  In addition, strong winds can cause damage to your property.  Here are some helpful tips on items to check around your house during storm season:

  • Ensure water drainage is moving away from your home. The ground should be sloping downward, away from your foundation and basement.
  • Check your gutters. Make sure they are not clogged with leaves.  In addition, ensure that water is directed away from your home when it comes out of the gutter.  Add an extension at the bottom of your gutter if need-be.
  • Have a battery back-up for your sump pump. Power outages can come with spring storms.  If your sump pump isn’t turned on due to a power outage and you do not have a battery back-up, water can collect in your basement.
  • Install surge protectors on your electronics. Lightning and power surges can also happen during storms.  Why not protect your expensive electronics with a surge protector?

Do you have questions about protecting your home during spring storm season?  Has it been a while (over a year) since you updated your home insurance policy? Contact your MAX Agent today and he/she would be happy to assist you with your policy.

Healthy Eating and Weight Loss

by Terri Mooney-Hooker, Administrative Coordinator

In today’s world, it seems we are focusing more on nutrition and health. Being a member of our Wellness Committee at MAX makes me more aware of how choosing healthful food choices and figuring out a healthy weight are so important to our well-being.  However, they can also sometimes be a bit confusing. What does good nutrition mean? What is a good balance of fat, carbohydrates, and protein? How does one know what a good weight to maintain really looks like?

Here are few helpful tips to get you started:

Let’s start with good nutrition. That is the key to maintaining good mental and physical health. When you eat a balanced diet, it can affect the way you feel and how your body works. It is the interaction of nutrients and other substances in the food we eat that maintains our growth, reproduction, and overall health.

Here’s the skinny on nutrient-dense foods. Look for these “good” fats to include in your meal plan:

  • Monounsaturated,
  • Polyunsaturated
  • Unsaturated

Avoid the “bad” fats:

  • Saturated
  • Trans fats

Carbohydrates can be either good or bad, and are either simple or complex. Here are some examples of both…

  • Good Simple: Naturally present sugars – like in fruit or milk products.
  • Bad Simple: High fructose corn syrup; added sugar in sodas, baked goods, etc.
  • Good Complex: Starchy veggies, like potatoes, corn, whole grains, and beans.
  • Bad Complex: Refined starches, found in cookies, cakes, French fries, etc.

When choosing protein, think lean. Lean meat will have visibly less fat and fewer calories. One serving should be 3oz.- about equal to the size of a deck of cards. Here are some helpful tips for choosing lean meats:

  • Limit meat to 1 – 3 3oz. portions per week.
  • Eat wild fish, especially salmon, whenever possible.
  • Add beans and lentils.
  • Other great sources of protein are tofu and other soy products, as well as eggs.

And don’t forget the fiber!

  • Soluble fiber would include oat bran, oatmeal, fruits and vegetables.
  • Insoluble fiber would include wheat bran, figs, raisins and nuts; all good for you!

Now, to assess your weight. Most of us don’t like to think about it, let alone look at it.

Here are some things to consider:

  • Body Mass Index (BMI): it is formulated by weight and height to estimate body fat. Try this site to easily calculate: https://www.nhlbi.nih.gov/health/educational/lose_wt/BMI/bmicalc.htm
  • Weight circumference: measure your waist just after you breathe out to get an accurate measure. Men should measure less than 40 and for women, less than 35.

Just remember – baby steps in losing weight to achieve weight goals is best. ½ to 2 pounds per week is a healthy weight loss. A safe and maintainable rule of thumb would be to lose about 10% of your body weight over a 6 – 12 month period.

A combination of creating a healthy meal plan, lifestyle, and exercise, is the key to sustaining weight loss and staying healthy.

Sources:

https://en.wikipedia.org/wiki/nutrition

Cigna: “Together, all the way;” Healthier Eating for a healthier you.


HeadshotAbout Terri

Terri is the Administrative Coordinator at MAX. She performs all administrative duties, and helps out in other areas of the company when needed. Outside of the office, she enjoys spending time with her husband, her children, two cats, and her extended family and friends. She is huge movie goer and an avid animal lover.

Photo by balise42

MAX Mindfulness: Choose to be Happy

by Dave Wine, President and CEO

There are a lot of articles today, and I have referenced some of these in my past writings, that remind us of certain steps to take to be happy. For example, studies show that there are at least five really key skill sets that separate generally happy people from unhappy people. Those include the ability to savor/enjoy the moment (being able to really focus on what is happening now versus worrying or regretting); expressing gratitude, especially to others that matter in our lives; aspiring to some meaningful goals and making task lists of how to reach those goals and a completion of at least some of them; giving and being generous in time and talents, more than just giving money; and an ability and a desire to understand others and their points of view.

And these and many other skill sets do seem to help us on the path to happiness. However, no one can really be happy unless they choose to be happy and choose not to be unhappy. There are enough woes in any of our lives to keep us from joy and peace and happiness. But there are also enough of the other in our life for us to see joy and happiness. Studies show that the more we think about the things that make us happy, the more happy we will be. And the more we concentrate on the things that disturb us, the more unhappy we will be. Sure seems like good common sense that should be easy to do. Yet we tend to judge and interpret more on the side of ‘what’s wrong’ than on what’s right. Our brains are hard wired to sense danger and threats so our thoughts naturally go more easily to fear and the negative. So we need the practice of mindfully paying attention to our thoughts to overcome this tendency in our brains.

Just stopping for a minute during our day and thinking about something that makes us happy or brings us joy and peace can be one of the simplest and kindest acts we can give ourselves. Think about someone that you are grateful for in your life, something that may have happened today that was an act of kindness, something that filled your eyes or ears with beauty, etc. An apple a day might keep the doctor away, but a positive minute a day might do a lot more for us!


Dave WineAbout Dave

David is the President and CEO of the MAX enterprise, having served in that capacity since its formation in 2001.   He has forty plus years of leadership experience in the business and faith-based worlds, being an ordained minister, having been elected to the highest position in his denomination,  and receiving numerous awards and recognition for his leadership in the insurance industry. He currently serves on numerous boards in the church and insurance sectors.  His hobbies include hiking, biking, skiing and snowshoeing as well as being an avid reader.  David and his wife, Sharon, have three daughters, a son, and four grandchildren.

Time to Clean those Gutters

by Terri Mooney-Hooker, Administrative Coordinator

Spring is here! It’s time to consider a little preventative home maintenance. One important item to not overlook is the gutters on your home. Why, you may ask? Because a debris-clogged gutter can cause all kinds of problems from a leaky roof or even water damage to the interior or the exterior of your home. Also, it could make a nice nesting place for pests, rodents, mold, and honeycombs from bee infestations.

So, you may wonder, “what is the best time of year to clean out the gutters,” and, “what can I do about it?” Before trying to accomplish this feat on your own, you may want to consider hiring an expert. The cost of a gutter cleaning may run anywhere from $75 to $225, depending on the home; length of the gutters; height of the home; and scope of the work.

Here are a few to-do lists you can keep handy:

  • Try to have the gutters cleaned at least twice a year.
  • Consider cover screens or gutter covers. These could run anywhere from $1500 to $2500, depending on the size of the home, as well as the length of the gutters.
  • Before hiring a professional, always check to make sure they carry liability insurance and workers’ compensation insurance for any employees they may bring to the job with them.

And while you’re at it, you may want to consider a few other home-related tasks:

  • Swapping out the batteries in all smoke detectors in your home. (If you did not check the batteries during Daylight Saving Time weekend, why not check them now?)
  • Changing and/or replacing light bulbs on porches and patios.

Sources:  Angie’s List 2013 and HarryHelmet.com


HeadshotAbout Terri

Terri is the Administrative Coordinator at MAX. She performs all administrative duties, and helps out in other areas of the company when needed. Outside of the office, she enjoys spending time with her husband, her children, two cats, and her extended family and friends. She is huge movie goer and an avid animal lover.

MAX Featured Agent: Sharon Strader at FarmPLUS Insurance Agency in Blairs, Virginia

Sharon Strader at FarmPLUS Insurance Agency with Deana Richardson, Sales Manager at MAX, presenting a check to Laurel Grove Volunteer Fire & Rescue

We value our MAX Agency Partners and this month we would like to introduce you to one of them – Sharon Strader at FarmPLUS Insurance Agency in Blairs, Virginia.  Deana Richardson, our Regional Sales Manager, asked Sharon some questions about her agency and why they choose MAX for many of their clients.  Check it out:

Q: What do you like about MAX and what do you feel sets MAX apart from your other competitors?

A: I love that MAX gives back to the community through their Mutual Aid Ministries (“MAM”) program including volunteer organizations like fire departments, to churches and also individual families. MAX has good products and competitive rates, as well as, great customer service. Anytime I have a question I can always reach my sales representative or someone in customer service. Although I have never had to file a claim, I anticipate the experience will be as great as the service I have always received.

Q: Why would you choose MAX over your competitor?

A: It’s pretty simple: MAX is a company that truly stands behind their customers, strives to offer competitive products and I love what they stand for.

Q: In what ways does your agency support your community?

A: Several of our agents are volunteers in our community and they, as well as, the agency,  make contributions to community organization such as the cancer society, volunteer fire department and other organizations.

Q: What do you feel are the advantages of an Independent Agent vs. Exclusive Agent?

A: An independent agency has the ability to offer several options based on the needs of each customer. They also have the capability of quoting their policy with 10-12 different companies, so the customer is guaranteed to get the best rate. An independent agent vs. a direct marketing company has huge benefits as well. In addition to the options and best rates, you will always be able to speak face to face with an agent….an independent agent is like family, they are always there when you need them.