Thursday, January 28, 2016

Be Aware of Your Surroundings At All Times


Crime is everywhere, unfortunately. We are all, for the most part, always dialed into our phones or computers making it appear to be everywhere all the time. That’s what it could be or has it always been that way and we just didn’t have up to date access to reports 24/7 before all this technology. Whatever the case may be, it’s important to always be aware of your surroundings, no matter where you are.

What sparked this blog? I was skimming through Facebook and saw an article, “Written by a Cop,” but didn’t have who actually wrote it. The article does have great tips to keep yourself safe and out of harm’s way so I really to use it. I did some digging and found it on Snopes. Great, right? Well the good thing is that Snopes says it’s true and false. In no particular order, here are some tips I pulled from the Snopes article with what to actually do or not do:

-        The article says that your elbow is the strongest point your body has and if you are in a position to use it, throw that elbow. Though your elbow is pretty strong, you knee is stronger. If you are an MMA fighter, and/or if you are an expert in self –defense, then absolutely go to battle. If not, it’s suggested to use this as a last resort.

-        When you get into your car after shopping, lock your doors and leave.  Hanging around, responding to text messages or emails, looking for gum in your bag, etc..., isn’t a great idea. Especially if you are in a parking garage, where there are lots of hiding places for those with not good intentions. Oh and always have your keys out and ready to unlock your vehicle, instead of rummaging through your bag on the way or once you’re at your vehicle.

-        Speaking of parking garages, is it safer to take the stairs or the elevator? There’s not as much traffic, usually, when taking the stairs so they can pose as a place for a predator to hide out. BUT, taking the elevator can be unsafe as well. Most of us choose the elevator over the stairs so there are more people flowing through them, making them a bit more public. When you’re in a situation where you just don’t feel right about someone that may be entering the elevator with you, don’t get in the elevator. It’s best, in any situation, to always, always be aware of your surroundings.

-        Don’t walk to your car looking at your phone or digging into your purse. Look where you are going, so you don’t trip and fall but also to be on the lookout for someone with bad intentions. Look in your car before you get in it. Paying attention could save your life.

-        While you’re paying attention to your surroundings, make sure you change up your routine. Most of us are creatures of habit and have our days planned out which usually makes life easier but that could also make it easier for a predator to strike. Change is good.

There also was a recent post, also on Facebook, about a woman at a mall in the DFW area that witnessed suspicious behavior that involved a couple who started out by simply complementing the woman’s young children. The older couple quickly made the woman feel uneasy, as the couple continued to watch her children play at the indoor playground at the mall. Being conscience of her surroundings and clearly being monitored by the couple, she gathered her children and left the mall. As she attempted to walk out to her vehicle, she did notice the couple, along with a couple others pacing around a van, with the side door open and in a position to where they’d be able to easily drive away. She did report it to the mall security and waited for the van to leave. For whatever reason, the woman felt as if maybe it could have been a human trafficking ring and felt the urgency to get the word out. What better way than to post it on social media to help with awareness. Within the comments of the post, some of her friends posted they had noticed similar activity at that mall and another mall in the DFW area, all moms of young children. That’s alarming. There was also a law enforcement officer that stated malls in general have high amounts of reported crimes, especially trafficking. Malls have seemed to be the place for them to frequent for victims. With that, again, always be aware of your surroundings, keep a close eye on your children and report anything that you feel is not right. I will take safe over sorry any day.

Click 2 Houston posted an article in 2014, stating that Houston was ranked the No. 1 city in the United States to have the most human trafficking victims. They also reported that FBI records from 2013 have California ranked the No. 1 state with the most reports for human trafficking and Texas ranked at No. 2.  Reading this definitely made me uneasy.

Always be aware of your surroundings, day and night. If something feels amiss, turn around and look for help. It is not worth it. 


For more information on Human Trafficking, click https://traffickingresourcecenter.org/ or call 1-888-373-7888. 


Wednesday, January 20, 2016

The New And/Or Improved

Redesign, app and a credit cards with rewards… OH MY!

What does that mean? It means new things are happening at Farmers and we are excited to share them with you.

 My FarmersFarmers online, My Farmers, is getting a makeover to make it easier and more user friendly for our My Farmers and get started today.
customers. With the redesign, you have access to print your ID cards, check on your claims, go paperless, pay your bills and more. Now, just because you have access to all this online, doesn’t mean you can’t call us with any questions. My Farmers is just a bonus tool for you to use. We are still here to help you with your needs. If you are interested in registering, click 

App? Really there’s an app? There sure is! Farmers is making sure to stay up with the times and has updated the app to better serve you. With the new Farmers Insurance® Mobile App1  you have the ability to securely access your insurance where ever you are and at any time. You can see your ID cards, pay your bills, and even contact me. You can get alerts on status updates of a claim, policy changes or even alerts when your bills are due. The app also allows you to stay logged in for fast access to your Farmers account. Coming soon will be the ability to use Touch ID (with devices that have this feature) to access your account quickly instead of having to log in. To get the app, you can download it through the Apple App Store or on Google Play.

Farmers® Rewards Visa® is next on the list of new stuff happening at Farmers. With this card you can earn points that you can actually use. Here’s what you have to look forward to:

-        3x points for every $1 spent on: 2
o   Farmers products
o   Home improvement
o   Fuel / Gas
-        1x points for every $1 spent where Visa is accepted
-        Flexible point redemption
-        3,000 points when $500 in purchase within the 1st 90 days
-        1,000 Annual Thank You bonus points
-        0% introductory APR on all purchases during the first 12 months, after that, standard variable APR of 13.24% - 20.24% (based on Prime Rate and your creditworthiness).
-        No annual fee
-        Unlimited points with no expiration

Click Farmers® Rewards Visa® for more information on the on the credit card and to apply online today.

The Farmers Friendly Review® isn’t something new but it is an important part of what I do. A Farmers Friendly Review® (FFR) gives me an opportunity to sit down with you and go over your coverages to insure that you still have the right coverage, because like we say, “Having the right insurance is NO accident”.  It’s recommended that an FFR be scheduled once a year OR at any time there is a change in your life. Don’t worry, you’ll get an email as a reminder to come see me. We’ll have cookies and beverages waiting for you, too.


Farmers likes to be up with the times to better serve you. I hope you take advantage of one or all of these new and/or improved opportunities. Want to know more on what’s happening at Farmers? Check out Farmers Friendly Voice: January 2016.


1 This App currently only supports Home, Condo, Renters, Auto, and Umbrella policies from Farmers InsuranceSM. We are currently working to support other products, including Life insurance, in the future.
Features on this app are available for Farmers® policyholders with registered online accounts.
Farmers will not charge you for text messages, or the use of the Farmers mobile app. However, you may see usage charges from your service provider depending on the type of data/rate plan you are currently on. Updates of Billing information, policy information and delivery of in-app messages may be delayed for various reasons, including service outages affecting your phone, wireless or internet provider.
To access the Terms of Us and Privacy Statement, please go to - http://www.farmers.com/friendly-voice/farmers-mobile-app/
2The Farmers Rewards Visa and Visa Signature credit card accounts are issued by Comenity Bank under license from Visa U.S.A. Inc. The Farmers Rewards Program is also provided by Comenity Bank, which is solely responsible for the Program operation, and may change at any time. The one-time bonus of 3,000 points will be awarded to qualified new cardholders’ accounts who make purchases outside of Farmers totaling $500 or more within the first 90 days of account opening. Restrictions and exclusions do apply. See Farmersrewardsvisa.com for Rewards Terms and Conditions. Not all insurance products are eligible to be purchased on a credit card. See your insurance company or agent for details. Standard variable APR of 13.24%, 17.24% or 20.24% based on Prime Rate and your creditworthiness. Balance Transfer and Cash Advance APR of 22.24%, based on Prime Rate. Minimum Interest is $2.00 per credit plan. See https://c.comenity.net/farmersrewardsvisa/public/apply/disclosures.xhtml for additional rates and fees information. For more information, also see THE FARMERS® REWARDS VISA® CARDS

Wednesday, January 13, 2016

Car Seat Safety - Protecting Your Precious Cargo

How remembers these car seats?

Car seats have come a long way since I was a kid. To be honest, I’m not sure I was ever put in one. I’m not sure I remember having to wear a seat belt until later on as a kid. What I do remember is jumping back and forth from the front to the back seat, riding in the beds of trucks, lying down on the back window ledge of the car while it was moving and if the car came to a sudden stop my mom or dad put out their arm to stop me from going through the window.

Car seat makers have definitely come a long way, even since my kids were little. Now, putting in a car seat seems to take hours! It has to be anchored down in 10+ places and seat belted in as well. Once it doesn’t move and has become one with the vehicle, you are good to go. Putting a child in the car seat takes some time as well. Once you’ve made sure to have all the straps of the 10 point harness snapped, your trip to the store 2 minutes down the road can begin. Don’t even get me started on getting them out of the car seat.

In all seriousness, it really is very important to be thorough when putting in a car seat and making sure the restraints are properly set to your child every time you buckle them up. If you’re not sure how to put in the car seat or how to properly use the restraints for your child, Safe Kids Worldwide is a great place to start to insure you set it up correctly.  It also provides information on what the correct way to restrain your child so that it’s not too loose or too tight.  The instructions they provide are for infants to toddlers, toddlers and preschoolers, how long to keep them rear facing and when to change them to forward facing. What about booster seats? They have information on when to graduate up to a booster seat as well.  

Safe Kids Worldwide also stated that in 2013, 2862 children 19 and under died in car accidents. 480 of the children killed in car accidents in were 8 and under, 147 of them were not property restrained in their car seats. Take the time to visit the link above and make sure your car seat is put in correctly and your babies are strapped in correctly as well.

Farmers Inner Circle’s, “3 Car Safety Tips for Toddlers”, suggested making a safety guide mental check for every time you put your little one in the car. This is the list they suggested:
-        First, make sure the car seat is fastened to the car correctly. The seat shouldn’t wobble more than one inch from side to side or forward.
-        Next, ask yourself: is the harness strap snug enough? Leaving too much slack in the harness can be risky. If you can pinch the harness between your fingers, it probably needs to be tightened. (Be careful though: don’t over-tighten the straps so that your child is uncomfortable.)
-        Remember, it may be freezing out but it’s wise to avoid winter jackets inside the car. Bulky winter coats leave too much wiggle room between the strap and your child.
-        Don’t skimp on the car seat! Buying a used or outdated car seat could lead to disaster. When it comes to old car seats, you never know what you’re getting. There are chances it might be faulty, or even recalled. Even at a bargain price, it’s just not worth the risk.


When my kids were little, I remember there were times when it was a full on workout trying get them in the car seat, especially when they weren’t wanting to be put in it. Never once did I regret battling to get them in their seat. If I had it to do all over again, I’d not change a thing. Protect your babies and make sure you follow all the car seat and booster seat safety guidelines. Always better to be safe than sorry. 


Car seat? What's that?

Thursday, January 7, 2016

Bring It On, 2016!


I did a quick office poll asking for 2 or 3 New Year’s resolutions people make. The number one vote around the office here was something to improve health and the second being better stewards with their finances. A quick search around the internet confirmed these two were in the top 10.

Besides the fairly typical, “Workout more”, “Eat better”, “Quit smoking/drinking”, etc., I did find a few other lists that sparked my interest. There were some on New Year’s Resolutions for married couples, resolutions for parents, one on resolutions you won’t regret making, and even one on how to keep your resolutions.

Domestically Blissful’s, “25 New Year’s Resolutions for Married Couples” was great. Pray more, don’t go to sleep angry, talk, have date night (so important), make an effort to do something special in your spouse’s love language, make a new hobby to do together, exercise together, make a marriage bucket list and mark one off a year (if possible), snuggle, grow your relationship with Christ. What a bunch of great ideas! These weren’t all that were on the list but wow! I love these. They aren’t difficult resolutions, either. All of these will not only make your life better but they will make you relationship stronger. Winning!!!

Today Parents’, “15 Funny, Poignant Personal Resolutions for 2016 From Moms and Dads,” had great goals for those who have children. Cut back on TV time (I’d add in electronics all together), laugh more with your kids, have date night with your kids, and easing up on the over-protectiveness were a few I need to put on my resolution list. Especially the cutting back on electronics and having a meal at the table without phones and actually having a conversation… with our voices and not through text messages.

I found one on Buzzfeed, “18 Resolutions You Won’t Regret Making In 2016,” that has several great goals. Number one, “Putting your phone away when you’re at dinner.” AGREE! That is one I know I’m going to make and in no way regret! A few of the others were to make time for your physical fitness, send actual birthday cards in the mail, doing an act of kindness once a week, saying no when you need to and yes when you should, writing out your goals, and giving out a random complement each day.

Keeping your New Year’s resolutions isn’t always easy. Temptations, peer pressure, time, and/or lack of motivation are a few culprits. So how do we make them stick once we’ve made them? One thing I know is that we are not alone in the struggle to make them stick. #thestruggleisreal

Here are a few ideas that could help making those resolutions stick:
1.      Write them down.
2.      Have your written goals in a place you can see them every day.
3.      Be specific, make them measurable.
4.      Have an accountability partner.
5.      Make realistic goals.
6.      Picture the end result.
7.      Make a dream board.
8.      Get an app. I searched “New Year’s Resolutions” and several popped up that you can customize to what your goals are.
9.      Don’t beat yourself up if you miss a day. (Having an accountability partner well help with not missing a day.)
10.   Reward yourself when a goals are met.

Easy enough, right?

To a prosperous and happy 2016!!


For the full lists of the resolutions above, here are the links to go to: