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Silence is Golden – And Sometimes Rare

March 7, 2026 By Insurance Experts

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!

Filed Under: Mental Health

Smiling Babies

March 5, 2026 By Insurance Experts

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!

Filed Under: Illness, Prevention

Turkey And Greece Create The First Sandwich

March 3, 2026 By Insurance Experts

John Montagu, the 4th Earl of Sandwich is credited with inventing the sandwich. In 1762, Montagu, a consummate gambler, requested something he could eat without getting up from the card table.  The cook placed a slice of meat between two pieces of bread and the sandwich as we know it was born. However, neither John nor the cook were the first to make and eat one.

Before this card game, Montagu traveled to Turkey and Greece where dips, cheeses and meats were commonly eaten between pieces of bread. His request started a trend and by the time of the Revolutionary War, sandwiches were well established in England. However, the colonists were slow to adapt it.  American cooks tended to avoid culinary trends from their former ruling state… and… since the name “sandwich” came from the British peerage system; Americans wanted nothing to do with it.

Filed Under: Healthy eating

What Would You Do?…Life Happens

March 1, 2026 By Karla Flores Smith

 

What would you do if you found yourself unable to work due to a critical, chronic or terminal illness? Do you have the financial resources to cover your lost wages, unexpected medical expenses, your mortgage or sustain your children's college fund.

You can have peace of mind with a Living Benefit Life Insurance plan. Many people are new to this type of life insurance and when they discover it, they are quick to agree that it is a perfect economical option to financially protect their family. 

How does it work? A Living Benefit policy is term life insurance where the insured can access up to 90% of the face value of their policy for medical and/or non-medical expenses while they are living for a critical, chronic or terminal illness. What is not used as a living benefit remains as a death benefit

Watch these Living Benefit Life Insurance video testimonials and contact me for a more information and a premium quote.

Filed Under: Life Insurance, Supplemental Tagged With: financial security, life insurance, living benefit, lost wages, term policy

What EXACTLY is Hepatitis?

February 23, 2026 By Insurance Experts

Ask around to see what people think hepatitis is and you’ll probably find out most of us don’t know. Overall, hepatitis is a disease characterized by inflammation of the liver, the largest solid organ and gland in our bodies. We need to keep our livers healthy because they perform over 500 essential tasks.

In general, livers “clean” out toxins while they help digest food and absorb essential nutrients. Understanding hepatitis in its numerous forms (A, B, C, D and E) is the best way to prevent contracting these potentially fatal diseases.

Estimates show that 30 million travelers a year visit destinations considered high-risk for hepatitis A and B. Both are vaccine-preventable.  Hepatitis C and D are usually spread through contact with infected blood. The E form is uncommon in the United States and rarely results in chronic hepatitis, but that doesn’t make it harmless.

World Hepatitis Day is a global effort to raise hepatitis awareness.  The Hepatitis Foundation site shows you how to prevent, diagnose and treat hepatitis as early as possible. Only through education can we control and eliminate hepatitis altogether.

Filed Under: Illness

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