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Karla Flores

Insurance RX

I Make Insurance Easy & Simple

D I M E Financial Calculation

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Questions to help you gauge how much your family would need in the event of your becoming Critically, Chronically, or Terminally ill, or Dying.

D. (Debts): This is referring to any debts that you might have outside the mortgage (car loan, credit cards, student loans, etc.) If we were going to write you a check to pay off all debts (excluding your mortgage) how much would that check be for?

I. (Income Replacement): After paying off your debt, if we could bring your family a check every month to cover normal living expenses—how much would that monthly check need to be? And, for how many years?

______________Monthly Amount x12 x _____________Years=

M. (Mortgage Protection): What is your current balance that you owe the bank for your mortgage?

E. (Education): What do you feel would be an adequate amount to set aside for you children’s education ($50,000, $100,000)? What is the approximate amount that you have established in college savings?

E. (Expenses—Final): On average, we allocate around $10,000-$15,000 to cover final expenses. Does that see reasonable?

How A Good Night’s Sleep Fights Diabetes

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When it comes to diabetes, information tends to focus on diet and exercise. But did you know the quality of your sleep is just as crucial as what you eat and how much you move?

You see, sleep problems and diabetes often go hand in hand. Diabetes is known to cause sleep loss. Now there’s evidence that poor sleep increases your risk of developing diabetes. Here’s how it works…

Your body uses sleep time to restore and repair muscle and tissue. Glucose is the food and energy to accomplish this. In order to reach the cells, it needs insulin to “transport” it around your body. All this works best when your body is completely relaxed. However, lack of good sleep hinders insulin production and as a result, glucose levels build up. Eventually it gets to the point where it harms your eyes, kidneys, nerves or heart.

Good quality sleep allows your body to do its best work; therefore getting enough of it every day is one of your best defenses against diabetes.

Volunteering – Just How Did We Get Started?

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Many historians believe the origin of volunteering came from the early colonists. To get through the challenges that come with relocating, support groups evolved to make it easier. Remember, they didn’t have the services we take for granted today. Families had to pack up, start farms and get through daily tasks on their own. Survival depended on helping each other out.

Benjamin Franklin started the first volunteer firehouse in 1736. Then, during the Revolutionary War, volunteers boycotted British products and funded war efforts to show their philanthropic patriotism.

Starting in the late 1980s, the trend in teenager volunteerism has increased. Educational and youth services organizations urge and continue to encourage their participation.  Not to be outdone, adults, 65 and older, are jumping in as well. Longer life expectancies and healthier bodies give them the opportunity to do more. Conversely, current research suggests regular participation improves their physical and mental health. It’s a classic win-win.

Richard Nixon established National Volunteer Week in 1974. Since then it’s become a well deserved celebration and recognition of what volunteers contribute throughout our country.

Silence is Golden – And Sometimes Rare

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The trend in interior design both at home and work is to create open, airy spaces. But minimal walls can come with complications, like performing tasks that require concentration. If you need some uninterrupted time, here are six suggestions to create it without offending those around you.

  • Encourage a compromise. Chances are you’re not the only one who needs to get things done. Coordinate with others what times are OK for music or chat so everyone can accomplish what they need to do.
  • Work somewhere else. If possible, go to an unused room where you can shut the door.
  • Go remote. If another room doesn’t take care of it, try another location, like a library or a park bench – some place that is normally quiet.
  • Use signs and signals. Send a silent message that people understand when you need some quiet. It could be a “Stop” sign or a figurine that symbolizes your need for some quiet time.
  • Use headphones. When all else fails, use headphones to shut out the noise.
  • Tune them into Noise Awareness Day (April 25th). This global day, founded in 1996 by the Center for Hearing and Communication, shows what actions you can take to control bothersome noises and how to implement them.

Learn more!

Smiling Babies

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Smiling Babies – The Best Medicine For All Of Us

When it comes to babies, nothing is more painful than to see them hurt. The good news is how much we can do to maximize their chances of living well… and it starts before they’re born.

Good prenatal care increases every baby’s chance to go full term and have a healthy weight at birth. The benefit to Moms is easier pregnancies.

New research shows how good prenatal care can go beyond birth and set the stage for better health as future adults. While not yet proven, there seems to be an association between malnutrition in uteri and an increased risk for obesity, heart disease, and diabetes in later years.

The March of Dimes supports programs that focus on pre and post natal care so both babies and mothers have the best chance to live happy and healthy lives. Regular doctor visits before and after birth means possible complications are identified and treated as soon as possible.

By supporting babies’ health, we minimize healthcare costs and increase our chances to see more babies smiling.

Learn how you can support the March of Dimes!

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