What if you could take stress and turn it into success. Wouldn’t that be a better way to use your energy? Sometimes a simple shift in the way we direct our energy and focus can radically alter the way we experience life. Often times, we don’t really need more time and energy. We just need to shift the way we are using what we already have. Let’s look at three specific ways that we can create a shift away from stress and toward success.

Accept the fact that some things can’t be changed

We can’t change the past, period. Worrying about it will only create unnecessary stress. One of the best things you can do for yourself is accept that fact. Everything that has happened in your life up to this point is history, it’s completely unchangeable. One of the biggest ways to waste your time and is to fret over the past; it’s gone so let it go.

Make a list of any past events, situations, relationships, or mistakes that you feel bad about or that cause you stress. Write them all down along with the negative feelings attached to them. When you are done, read each item and then ask yourself: “What do I need to do to get closure here?” If you need to apologize to someone, go do it. Most of the time all you need for closure is to let it go.

Accept the fact that some things can always be changed

One thing that you can always change is your perception of, and reaction to, everything that happens in your life. It’s your life, you own it and that means that you have the power and the freedom to decide the meaning and value of every experience.

The next time you feel like “reacting” instead of responding, ask yourself: “What else could this mean?” Then come up with three alternate meanings and choose the one that feels the most empowering. Now respond to that. Doing this will transform a stressful reaction into a successful response.

Don’t let other people’s problems become your problems

Some people are just a disaster looking for a place to happen. One way to avoid getting stressed out along with them is to simply get out of their way. If someone is in a bad mood, do your best to stay away from them. If the driver behind you is tailgating, pull over and let them pass. It’s their problem, but taking it personally will make it your problem too.

Review the most common scenarios where you have allowed other people to stress you out. Now devise an alternate strategy that you can use the next time that situation arises. Make sure it is a strategy that allows you to remain emotionally neutral. Rehearse that strategy in your mind so you can easily implement it next time. Contact All Nevada Insurance today!

It’s easy to get caught up in the “how much house can I afford” game when you begin your quest to become a homeowner. But don’t forget to factor in the cost of things like property taxes and homeowner’s insurance when purchasing a new home.

On a home valued at $230,000, you can expect to shell out nearly $1,500 per year in certain states for insurance in addition to your mortgage payment and taxes. The same $230,000 home could cost over $5,000 annually to insure if it’s on the coast and subjected to hurricanes. Homeowner’s insurance costs vary greatly from state to state, with the average policy running at around $800 annually.

Be sure to keep that in mind as you shop, and make sure you get multiple quotes from different providers, just as you would a mortgage. Typically, homeowner’s insurance costs are overlooked as borrowers focus on the bigger things like the mortgage. So what are you getting for the money anyways? The standard homeowner’s insurance policy is separated into two basic categories of coverage: property and liability. These two categories are further broken down into six separate types of coverage. Many more options or additions can be purchased if necessary.

PROPERTY COVERAGE

1. Coverage A – This covers your “dwelling” or the actual house. You want to insure your house for it’s full value at “replacement cost.” Settle for nothing less.

2. Coverage B – “Other Structures” insures structures not attached to your home. Picture a detached garage or a shed, which can be connected by a fence or utility line. You will be insured for 10% of your coverage “A” amount. If your house is insured for $200,000, your shed is insured for an additional $20,000 (totaling $220,000).

3. Coverage C – Personal Property or contents. This is your “stuff.” You are insured for 50% of coverage “A” under this section (in addition to the “A” and “B” limits, totaling $320,000 for property damage on your policy. This concept is known as “stacking” coverage.

4. Coverage D – Loss of Use. Loss of use coverage will pay your additional living expenses in the event your home is deemed unlivable as a result of a covered claim (a fire for example). If your normal living expenses are $1,500 per month and they are increased to $2,200 per month as a result of your house burning down, the insurance company will pay ONLY the $700 difference until your house is repaired or you have found new living quarters, whichever occurs first.

LIABILITY COVERAGE

5. Coverage E – Personal Liability. Your insurance company will pay up to the policy limits for damages you’re liable for. Picture someone slipping on your icy driveway and injuring themselves.

6. Coverage F – Medical Payments to Others – This coverage is intended to keep you from being sued. Perhaps your dog bites the neighbor’s kid. This coverage will pay for resulting medical bills without having to prove “fault.” It is good will gesture coverage for when accidents happen. Of course, if your neighbor is not satisfied, they retain the option to sue you.

Before you head out, you’ll want to secure the reliable protection that will leave your home and belongings safe. Get started on your home insurance policy that will protect your future and finances – Call All Nevada Insurance today!

While most people need this coverage, many don’t purchase it. We take a look at why.

Being a responsible adult means that you make your bed every morning, pay bills on time, and ensure that your loved ones are financially safeguarded if you unexpectedly leave them behind. For the latter, this doesn’t mean that you need a savings account that rivals the 1 percent. Life insurance coverage offers protection for your family’s future!

Not everyone needs life insurance. If you don’t have dependents, there is little reason to purchase a policy that is designed to protect dependents once you pass. However, many Americans, who need this insurance, are lacking this protection! Take a look at why.

• Cost
  Life insurance has the misconception that it’s too expensive to be affordable for every family. The rate is determined by your age, your health, if you smoke, the type of life insurance, the extent of coverage. Talk to your insurance agent to find the best rate for you – it is possible to get coverage within your budget.

• Youth
  Millennials are notorious for thinking about future circumstances. While they may be healthy and young now, 5 to 30 years down the road, life insurance protection is incredibly valuable.

• Current Assets
  What form are those assets in at the moment? If they’re liquid, your beneficiaries can convert them into cash should the need arise. If they are mostly non-liquid, such as real estate, your loved ones won’t have instant access to funds. Life insurance allows your loved ones to hold onto those non-liquid assets while providing them cash to pay off debts that require immediate attention.

• Unpleasantness
  Most of us don’t like thinking about death (who would’ve known?). Almost 30 percent of people gave that as a reason for not buying life insurance. If your family is left financially strained after your passing, it will be severely unpleasant for them. Take action now.

Finding the right life insurance for you at the right cost is simplified by talking to the professionals at All Nevada Insurance!

Insurance companies selling business insurance offer policies that combine protection from all major property and liability risks in the package. (They also sell coverages separately.) One package purchased by small and mid-sized businesses is the business owner’s policy (BOP). Package policies are created for business that generally face the same kind of degree and risk. Larger companies might purchase a commercial package policy or customize their policies to meet the special risks they face.

BOPs Include:

1. Property insurance for buildings and contents owned by the company – there are two different forms, standard and special, which provides more comprehensive coverage.
2. Business interruption insurance, which covers the loss of income resulting from a fire or other catastrophe that disrupts the operation of the business. It can also include the extra expense of operating out of a temporary location.
3. Liability protection, which covers your company’s legal responsibility for the harm it may cause to others. This harm is a result of things that you and your employees do or fail to do in your business operations that may cause bodily injury or property damage due to defective products, faulty installations, and errors in services provided.

BOPs do NOT cover professional liability, auto insurance, worker’s compensation or health and disability insurance. You’ll need separate insurance policies to cover professional services, vehicles and your employees. Contact us today for further information!

Decide on which ride is best for you.

Don’t ever judge a book by its cover! Conventional wisdom might suggest that a bright and attractive coupe might be more to insure than your run-of-the-mill family sedan. However, it’s always important to remember that a lot more goes into calculating car insurance premiums. Aesthetics are just the tip of the iceberg; statistics play a heavy part, as well.

What’s the difference between a coupe and sedan?

This definition is actually fairly simple! A sedan is typically referring to a vehicle with four doors, while a coupe suggests just having two doors. The word coupe actually stems from the French word for “cut” referring to the traditional way that original coupes “cut out” the rear seating areas completely.

Recent coupe models now have the best of both worlds.

They have two rows of seating while also keeping the sleek two-door appearance that drivers love. The coupe is starting to change to appeal to a larger market by increasing backseat legroom. However, sedans almost always offer a roomier backseat than its counterpart.

How well does your car protect its riders?

A car’s safety features can help keep passengers safe while also helping you cash in on discounts on your premium. The idea that you’ll be less likely injured in a crash is both important to you and your insurance company. Theoretically, if your coupe tends to protect passengers more efficiently than a rival sedan, the coupe could pay less for coverage.

How expensive is it to repair or replace your vehicle?

Accidents are far more common than we’d like to admit. It’s the insurance provider’s responsibility to try to make things correct again. Because of that, insurers will consider how pricey repair and replacement costs may be after a major accident. Whether it’s a coupe or sedan is less important than the overall cost of replacement.

Now that you know what type of factors play into the cost of insurance, be sure that you secure the right policy for your needs. At All Nevada Insurance, we’re dedicated to giving each driver the coverage they can count on. Visit us today to get started.

Offering a selection of healthy snacks helps your team to stay on point.

You expect your staff to spend a lot of time at the office, so why not try to make the most of it? Offering tasty and healthful snacks can help keep energy, spirits, and productivity up – all at relatively little cost to your business. What kind of snacks are best for the office? Use this guide to the top healthy choices for stocking your breakroom.

Fruit & veggies

It shouldn’t be surprising that fresh fruits and vegetables are nutritionists’ top picks for healthy snacking. Most Americans aren’t getting enough servings of these crucial food groups, so by offering them, you can help your team overcome this deficit. If you’re having trouble keeping fresh produce in stock, consider unsweetened dried fruit. Packed with fiber and nutrients, this is a fantastic long-lasting option.

Nuts

Help your team fit in their healthy fat and protein by offering mixed nuts. Raw and unsalted nuts will be better for your staff’s health, but offering some roasted or salted options can help mix things up.

Sandwich or rice cake bar

Looking for something customizable? Consider setting up a whole wheat sandwich or brown rice cake bar. Your team can then load up their grain of choice with peanut butter, sliced bananas, or their other favorite toppings.

Water

Switch out the sugary drinks and caffeinated beverages for bottled water. Even being a little dehydrated can wreck havoc with our concentration and energy, so be sure to sip on water throughout the day.

So you can focus on feeding your team, let us focus on covering your hard-to-insure risks. To learn more about how our workers’ compensation programs and products have been serving thousands of insurance agents across the nation, contact All Nevada Insurance today.

I am looking to create more income and be my own boss!! Great! We have the perfect business model for you.  At All Nevada Insurance we offer you the opportunity to create a residual income.  That means this is not a one-time sale that only pays you when you make the sale, but every time the policy renews, you make a commission.  Imagine how long you have been with your insurance company.  Every time your policy renewed, your agent got paid.  Would you like that agent to be you?  Just think of how many people you know that drive a car or live in a home.  We are in an industry where the people need us.  Find out more about how to become a franchise owner with All Nevada Insurance.  Visit us at www.ANIfranchise.com.