Month: October 2016

What to Do For Halloween in Las Vegas, NV!

Posted on by TheSph3r3
Halloween in Las Vegas, NV

Fright night is coming up – Have you made plans?

Halloween is a time when children get to enjoy dressing up, trick-or-treating, and collecting candy. Children aren’t the only ones who get to enjoy this frightful night; if you’re in Las Vegas and the surrounding cities in Nevada, you’re in for a real treat (or trick?) this holiday!

Trick or Treating

Downtown Nevada City is a favorite spot for little tricksters to go door-knocking. Broad Stress is a popular area for little ghouls and goblins to get their candy bucket filled to the brim. Houses are dressed up in spider webs and lights and are sure to thrill every parent and accompanying child. The Victorian architecture of the homes and the old deciduous trees of Nevada City are the perfect backdrop for Halloween night!

Fright Night

Fright Night returns on Saturday, October 29th, 2016. This year, the festival features music by Mojo Green, a funk band, and a special guest, Whee the People, an indie soul band. Also, there will be food and drinks available for purchase! With lively music and plenty of dancing, adults can enjoy a costume contest, cash prizes, and Halloween fun! Doors open at 7:30 p.m. and the music begins at 8:30 p.m.

Ghost Tours

The haunted Nevada City historical walking tour explores the stories behind the many colorful ghosts that are said to still reside among us. Nevada City tours depart on Saturday evenings at The Alpha Building at 7:30 p.m. during the month of October. Admission is $10 for adults and $5 for children aged 12 and under. Do you want a private tour? Call 530-265-6877 or email mlyon@hauntedisles.com.

With plenty of fun, Halloween events in Las Vegas, the professionals at All Nevada Insurance hope that you enjoy your fright night! To secure all of your insurance needs in Nevada, visit us today.

What to Do If You Lose Your Health Insurance Through Your Job

Posted on by TheSph3r3
Job Health Insurance Las Vegas NV

Find out your options for gaining health care coverage if your job is no longer an option.

Whether your job is no longer offering health insurance or if you get laid off, you’ll face having to find coverage on your own. As health insurance is essential to maintain your physical and mental health, you shouldn’t suffer a lapse in protection.

If you are terminated from a position, you’ll also be subject to the worries of finding another job, making money without a job, and how you’ll pay the bills in the meantime. For now, it’s important to deal with your health insurance issues so that you aren’t strained for money if you fall ill or injured.

If you lose your job-based health insurance, you have two main options:

Option 1: Get coverage through Health Insurance Marketplace

If you leave your job for any reason and lose your job-based coverage, you may choose to buy a Marketplace plan. Losing job-based coverage is a qualifying life event that allows you to enroll in a plan within a Special Enrollment Period, meaning that you can buy insurance outside of the annual Open Enrollment Period.

Your coverage can take effect as soon as the first day of the month after you lose your insurance.

  • If you apply through the Marketplace, you’ll discover if you qualify for savings on your monthly premium and out-of-pocket health care based on your income.
  • Also, you will learn if you are eligible for free or low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP).

Option 2: Buy COBRA continuation coverage

You may be able to keep your job-based health plan through COBRA continuation coverage. COBRA (Consolidated Omnibus Budget Reconciliation Act) is a federal law that may let you pay to stay on your previous employee health plan for a limited time once your job ends. This period is typically 18 months.

Even if your insurance was cut off when you were fired, the employer must notify the plan administrator within 30 days that you have been terminated, and then the administrator has another 14 days to send you the notice on how to elect COBRA coverage.

For all of your health insurance needs in Las Vegas, Nevada, contact the experts, All Nevada Insurance, to get started on your plan to suit your needs, budget, and health.

Kicking Cancer Footgolf Charity Fundraiser

Posted on by TheSph3r3
kicking-cancer

Every wonder what would happen if you combined soccer and golf? Here’s your chance to try it out and raise money for a good cause! Join Madison Coomer & Heartfelt Heros to raise awareness and funding for childhood cancer with a fun game of Footgolf – a new game that combines soccer & golf.  Don’t miss out on the fun, and have the chance to meet and take photos with fellow Superheros fighting cancer!

Schedule of Events:
Registration 2:30pm
Shotgun Start at 3pm

Raffle, Dinner, Prizes and More!

$40 per adult  |  $25 per child (under 14)
$30 per adult  |  $20 per child for Early bird registration – register by 10/21

Register here!

Proceeds benefit Madison Coomer & Heartfelt Heroes project: Heroes Fight Cancer – a fundraiser for pediatric cancer        

If you cannot attend but would like to donate please visit: heroesfightcancer.org

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Chimera Golf Club
901 Olivia Parkway
Henderson, NV 89011

Don’t Miss These Pumpkin Patches in Las Vegas, NV

Posted on by TheSph3r3
Pumpkin Patches in Las Vegas, NV

The harvest season is here! Check out these pumpkin patches!

Autumn is here, and it’s time to enjoy the cooler weather, darker nights, and all things pumpkin-spiced! If you’re looking for pumpkin patches, corn mazes, hayrides, and local gourds, fear not, there are plenty of fun Fall things to do near you.

While you pick up a pumpkin to make soup, make it fun for your kids by finding a patch that offers autumn activities! Here are a few local patches to get you and the family into the fall spirit!

The Las Vegas Farm

At The Las Vegas Farm, there are pumpkins for sale, a Fall festival, tractor-pulled hay rides, along with a farmer’s market! The 26th Annual Farm Fall Festival takes place in the last three weekends in October from 9 a.m. to 7 p.m., so don’t miss out! Go to visit the rescued animals as well as sampling tasty treats at the Farmer’s Market.

Moapa Valley Corn Maze

From pumpkin patches, corn mazes, a haunted corn maze, hay rides, horseback riding, and a petting zoo, the Moapa Valley Corn Maze has it all! Bring the little ones for a trick-or-treating event while you pick out your favorite gourd. The 7-acre pumpkin patch along with all other activities are open from October 3rd to November 1st, every Friday through Sunday from noon until 7 p.m. Are you looking for a fun thrill? Their haunted corn maze is a can’t-miss attraction!

Undead Maze

Looking to get your fix of horrors and haunts? Don’t miss the haunted house and undead maze, complete with zombies, clowns, toxic waste, and monsters that lurk behind every corner. As the most affordable haunt in Las Vegas, the 2,000 square feet of twists and turns are certain to thrill even the strongest of souls!

From the professionals at All Nevada Insurance, we hope that you enjoy these local and fun pumpkin patches in the height of the fall season. To secure all of your insurance needs in Las Vegas and neighboring cities in Nevada, visit us today.

Am I Covered If I Drive Someone Else’s Vehicle?

Posted on by TheSph3r3
Drive Another Vehicle Auto Insurance Las Vegas NV

Borrowing someone else’s car for the day? Know if you’re protected!

Occasionally, you may need to borrow your friend or neighbor’s car to run an errand, go to work, or soberly drive your tipsy friend home. Before getting into the driver’s seat, consider the impact of driving unprotected. You should know if you’re protected if you drive someone else’s vehicle.

Here are a few things to consider before you borrow a friend’s car!

How often do you use the vehicle? If you only borrow your friend’s car once a month, most likely your friend’s policy will cover you when you drive the vehicle. An auto policy will define who it covers. An “insured person” may include “any individual with respect to an accident arising out of that person’s use of a covered auto with the permission of you or a relative.” Under this definition, if someone else gives you permission to drive his vehicle, you’re covered by his insurance policy.

How long do you borrow the car? If you use the car for a day or two, it’s most likely not considered regular and frequent use. However, if you borrow the vehicle for several weeks, you may not be covered by his auto policy. If you are a regular driver of his car, you should consider adding yourself to your friend’s insurance policy!

What is the purpose of using the car? If you’re using the car to conduct business, like delivering pizza or hauling equipment for a landscaping business, you’ll need to make sure the vehicle is covered under a commercial auto insurance policy. Personal auto policies typically don’t cover anyone for conducting business with their vehicles!

Be sure to check what and who is covered before you drive someone else’s vehicle! Visit the professionals at All Nevada Insurance for the secure auto insurance coverage to suit you and your vehicle in Las Vegas, Nevada.

Beat Work Stress with These Tips

Posted on by TheSph3r3
Work Stress Las Vegas NV

Beat the work blues once and for all with these tips.

Do you find yourself working 10-hour days? Are you burning the midnight oil, long after all of your co-workers have headed home? Whether you’re putting in more hours each day or deal with a highly stressful job, you may be feeling more pressure than pleasure. As stress can be the cause of many health issues, such as depression, high blood pressure, weight gain or loss, acne, and heart disease, it’s important to have as little stress as possible.

Don’t let stress get in the way of your successful career!

  • Get enough sleep – Sleep is essential for us to perform to our best ability. Lack of sleep reduces our cognitive function, weakens our memory, and makes us irritable – not ideal for the workplace! Get your 8 hours of sleep each night.
  • Eat well – If we eat unhealthily, we’ll feel it. Be sure to eat balanced and regular meals, exercise often, and drink plenty of water. Avoid processed foods, caffeine, and eat plenty of fruit and vegetables. Your body (and mind!) will benefit from this.
  • Make compromises – While you may want to impress your boss by picking up the slack, taking on too much work can be a recipe for disaster. Learn to say ‘no’ when you become overwhelmed with work.
  • Get organized – Whether you have a calendar, a To-Do list for the day, or a checklist for the week, getting organized will mean that you’re properly equipped and mentally prepared for the work ahead.
  • Take breaks – Even though you have a lot to get done, remember to take breaks. We work best in increments of time, rather than working a full 8-hour straight day.
  • Make time for yourself – Even if it’s time where you plan to do nothing, it’s important to make time for some rest, relaxation, and quality family time!

Reducing your stress will ensure that you can lead a healthy and happy life! From the insurance professionals at All Nevada Insurance, we hope that you take the time to lighten your load. Visit us for the insurance policies to protect your finances and assets in Las Vegas, Nevada.

(Bad) Reasons Why People Don’t Buy Life Insurance

Posted on by TheSph3r3
Misconceptions Life Insurance Las Vegas NV

These common misconceptions about life insurance utilized too often.

Thinking about your death is hardly the most enjoyable way for people to pass the time. Thinking about how your family will cope after you’ve passed is an essential part of being part of a family. However, that’s not the only reason that people avoid shopping for life insurance.

With many Americans still underinsured – or worse, not insured at all – it’s time to bust some common misconceptions about life insurance!

Reason #1: It’s costly.

The first reason why people don’t buy life insurance is that they think that it’s expensive. Around eighty percent of the nation overestimate the price of any given policy. People believe that it’s more expensive than it is for protection that they truly need. When asked, most people guessed that a plan is more expensive than it is.

Reason #2: I’m young and healthy. I don’t need it.

Your life insurance needs depend on many factors, but if possible, it’s better to buy a policy when you’re young and healthy as it will cost significantly less than when you’re older. The theory is, is that you’re more likely to develop health problems as you age, and therefore, the price goes up.

Reason #3: You can’t get coverage if you have health issues.

Unless you have severe health conditions, you generally can buy term life insurance. Conditions such as diabetes, high cholesterol, and arthritis will mean higher life insurance quotes – however, insurance could still be within reach!

Reason #4: Single people don’t need it.

Many single individuals still need life insurance. For example, you may have children, be planning to marry or have aging parents who are financially dependent on you. Also, life insurance would also help if you’re single and own a business or a have co-signed debt.

Now that you’re ready to purchase the life insurance that you need and deserve, contact the professionals! Visit All Nevada Insurance for the policy that suits your needs in Las Vegas, Nevada.

Warm Up Your Car Up for the Fall Season

Posted on by TheSph3r3
Fall Driving Auto Insurance Las Vegas NV

Car care tips to keep your vehicle purring through fall and winter.

The Nevada winter brings all sorts of weather. From rain, snow, sleet, and possible subzero temperatures, the desert can be a chilly place come the winter months. Because of this, it’s no surprise that leaving your car out in this weather can cause some serious damage and put it under strain. Not only are the roads that much more dangerous, but your vehicle will need a bit of TLC before the fall weather.

Complete these then tasks before the cold snap hits so that you have safe (and reliable) winter transport:

  1. Get the engine check for performance and drivability problems.
  2. Replace dirty filters such as air, fuel, and PVC.
  3. Add a bottle of fuel deicer in your tank once the temperature drops.
  4. Change your oil and oil filter.
  5. Check that the heater and defroster are in good working condition.
  6. Replace wiper blades to wipe away the fall rain.
  7. Have your battery checked! This is usually the first to suffer in the cooler weather.
  8. Inspect all lights and bulbs to ensure that they are clean and in working order.
  9. Examine tires for tread life, damage, and wear & tear. Consider purchasing a new pair to keep your grip on ice, snow, and wet roads.
  10. Always carry an emergency kit with you! The emergency kit should include a car repair kit, first aid kit, blankets, non-perishable food, plenty of water, flashlight, a hand-cranked radio, small change, and more emergency essentials!

If you have ever found yourself stranded because your battery died or hydroplaned from rain water, you’ll know how important it is to prepare your car for fall.

While you can prevent your vehicle from failing during autumn, ensure that you have the protection to see you through! Contact All Nevada Insurance for a customized auto insurance policy to suit your needs and budget in Las Vegas and neighboring cities in Nevada.