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How to Make Your Summer Parties the Best Yet!

Posted on by TheSph3r3
Make Your Summer Parties the Best Yet

Hosting a summer party? Read on for party-approved tips. 

The warm weather inspires plenty of great get-togethers, from family gatherings to block parties. If you’re hosting this summer, you should aim to wow! Sometimes, vacuuming and putting out brightly colored napkins isn’t enough to impress. Are you stumped for ideas on how to transform your summer party into one to remember?

Here are some tips to get you started!

Take it outside. Summer is no time to keep your guests cooped up indoors. Ditch the dining room table and take the party outside. Your guests will have more room to play corn hole, sit back and relax, and enjoy the sunshine! If you don’t have a big outdoor space, utilize your patio or move your party to a local park.

Light the night. Use different lighting to set the mood and create a scene that’s sure to impress your visitors! Create light by adding lanterns to your patio, string lights, and candles to your deck. This is sure to create a look that’s simply breathtaking. Remember to always check the lights for damage before plugging them in, and keep an eye on candles at all times.

Get playful! Guests will only mingle for so long before it gets tiresome. At this point, you can start a badminton tournament, corn hole, and bocce to get guests talking and having fun. Games are great icebreakers and go a long way to get people talking!

Stoke up the fire. Once the sun sets, end the evening with a bonfire. Make things cozy by bringing out blankets and pillows, and enjoy stories around the fire pit.

Don’t forget the food. One of the best things about summer is the colorful and abundant fruits and vegetables! For your party, grill veggie skewers, toss together colorful salads and finish with a sweet fruit salad.

Are you ready to find the right franchise opportunity? All Nevada Insurance may just be the right fit for you! Visit us today for more information!

Tips to Help You Buy Auto Insurance for Your Teen

Posted on by TheSph3r3
Help You Buy Auto Insurance for Your Teen

Keep your children safe on the road by enforcing good driving habits and reliable protection.

The time has come for your teenager to take the wheel. Before you let them into the driver’s seat, it’s important to ensure that your child is ready to stay safe on the roads. It’s no secret that teenagers cost more to insure on any auto insurance policy. Their inexperience on the roads can result in accidents, as well as their daredevil need for speed.  Any parent can add their qualified teenager to their car insurance policy to receive reliable protection.

Passing the keys to your teenage driver is a monumental moment for yourself and your child. Doing this results in the addition of your child to the family car, or their own car’s, auto insurance policy.

Here’s what you need to know about the process:

When: Most insurance companies must be informed when your teen is driving your car with a permit. Once your teen passes the test and has a license in hand, you must add them to the policy.

What: Note that a car of less value, or one with numerous safety features, will be cheaper to insure than a flashy, expensive car. A teen’s first car is going to get dinged and dented quickly, more often than not, so start them out on a safe second-hand car.

Behaviors: Encourage your child to remember the rules of the road and safe driving practices even after they have passed their test. A successful way to do this is to set a passenger limit, never let them use a phone while driving, and regularly drive with them to watch for bad habits developing.

Feedback: To keep an eye on your teen’s driving behavior, you can add a monitoring system to your teen’s car. This tracks certain aspects of driving such as speeding, seat belt usage, hard breaking, and arrival and departure time. This feature could reduce your auto insurance premium.

Savings: While your auto insurance rate will increase when adding your teen, you can control how much it goes up. Look for savings with Good Student Discounts!

Are you ready to find the right franchise opportunity? All Nevada Insurance may just be the right fit for you! Visit us today for more information!

Fill Up Your Plate with These Heart Healthy Foods

Posted on by TheSph3r3
Heart Healthy Foods

Be good to your heart by piling your plate with these healthy foods.  

The old ticker is not something to take for granted. You may try to be good to your heart on occasion, but sometimes it’s difficult to know where to start. In the United States, heart disease is the number one killer. The good news is that we know a lot about cardiovascular diseases, including some of the best ways in how to prevent them. After plenty of research and studies, it’s certainly clear that healthy eating and living can make a huge difference!

Certain foods can dramatically reduce your heart disease risk, and this good-for-your-ticker diet doesn’t have to be bland or boring. Add these food items to your diet for a healthier heart!

Beans

Eating beans and lentils regularly can lower your risk of heart disease by around 22 percent. They are packed with omega-3, fatty acids, calcium, and soluble fiber. Legumes are high in cholesterol-lowering fiber and are an ideal meat-alternative source of protein.

Berries

Berries are packed full of anti-oxidants, known to be good for the old heart and health in general. Particularly, blackberries and blueberries are great for vascular health due to their high levels of anti-oxidants. They may be small but are very powerful!

Kale

The leafy green is a great source of alpha-linolenic acid, an omega-3 fatty acid that’s known to improve your heart health. It’s also got inflammation-fighting phytonutrients that can help prevent plaque formation in your arteries. Whether you toss it into a salad or smoothie, start adding kale into your daily diet!

Nuts

Did you know that eating nuts every day decreases the risk of dying from heart disease by up to 29 percent? Nuts contain unsaturated fats, which improve cholesterol by lowering “bad” cholesterol and raising the good kind. Walnuts, in particular, contain omega-3 fatty acids, which may prevent blood clots and the development of irregular heart rhythms.

Oranges

Oranges contain pectin, a soluble fiber that basically blocks cholesterol absorption and helps to prevent the scarring of heart tissue. In addition, they contain potassium that can help to keep blood pressure in check.

While you focus on bettering your health, allow the professionals at All Nevada Insurance secure your reliable insurance policies. Visit us in Las Vegas, Nevada today!

Summer Recipe for Your Meatless Monday

Posted on by TheSph3r3
Easy Summer Recipe

These homemade quesadillas steal the spotlight!

Meatless Monday is an international movement, encouraging people everywhere to cut out meat for at least one day a week for personal and planetary health! Not only does reducing or eliminating our consumption of meat and dairy benefit the environment, animals, and our health, but it allows us to truly get creative and enjoy different vegetables, grains, proteins, and more!

If you’re looking for a better Meatless Monday dinner than tomato soup and salad, try these delicious quesadillas with homemade cashew cheese.

Ingredients

For the black beans & corn:

  • 1 tablespoon light oil
  • 1/2 an onion, chopped
  • 2 cloves garlic, minced
  • 1/2 jalapeno, finely diced
  • 1/2 cup black beans, drained and rinsed
  • 1/2 cup corn kernels, thawed if frozen
  • 1 teaspoon chili powder
  • 1 teaspoon cumin
  • 1/2 teaspoon salt

For the quesadillas:

  • 4 – 6 large tortillas (flour or corn)
  • 1/2 cup of dairy-free cheese
  • 1 large tomato, diced
  • 4 green onions, chopped
  • 1 small handful cilantro, chopped

Instructions

  1. To make the black beans and corn: Heat the oil in a skillet or frying pan over medium-high heat. When hot, sauté onion, garlic, and jalapeño until the onion softens and begins to brown. Now add in the black beans, corn, and spices, and heat through, about 2 minutes.
  2. To assemble the quesadilla: Heat a large dry pan over medium heat. Lay the tortilla down in the pan and let toast for about 1 minute until it’s just starting to get golden spots on the bottom. Flip and now add the toppings to the toasted side of the tortilla. On one half, add some cheese, then top with several spoonfuls of black bean and corn mixture, a sprinkle of diced tomatoes, and garnish with green onions, and cilantro. Use a spatula to fold over the tortilla making a half moon shape. Pat down the tortilla with your spatula so it all sticks together. Cook for about 2 minutes on one side, then flip and cook another 2 minutes on the other side so that the cheese is melted and everything is heated through. Remove from pan and cut into 4 triangles.

From All Nevada Insurance, we hope that you enjoyed this recipe! Be sure to contact us for all of your insurance coverage in Las Vegas, Nevada!

How to Insure Your Home Business

Posted on by TheSph3r3
Insure Your Home Business

Running a home-based business isn’t easy, here’s how you can insure it to protect your business equipment.

If you run a business from the comfort of your own home, you may not have enough insurance to protect your business equipment. A standard homeowners insurance policy provides only $2,500 coverage for business equipment, which is likely not enough to cover all of your property associated with your business. As a business, you will likely need coverage for liability and lost income. You put blood, sweat, and tears into your business so insuring it is important for its livelihood.

Regardless of what insurance policy you choose, you need professional liability insurance. Here are the three basic kinds of liability insurance you should consider — depending on the nature of your business.

  1. Homeowners Policy Endorsement

You may not need to take out an entirely different policy. A homeowners policy endorsement just adds protection to your already existing homeowners policy to double your standard coverage for business equipment like computers and printers.

  1. In-Home Business Policy

An in-home business policy provides more comprehensive coverage than the homeowners policy endorsement. In addition to the protection for your business, this policy could reimburse you for the loss of important papers and records. It may even pay for the income you lose if your home is so badly damaged from a covered peril that it forces you to pause your business temporarily.

  1. Business Owners Policy (BOP)

If your business is on the bigger side of things, as far as home businesses are concerned, then homeowners insurance policy and any add-ons won’t exactly cut it. It covers business property and equipment, loss of income, extra expenses, and liability—like the other policies, only on a much grander scale.

Whichever you choose is best for your business, it’s important to realize that not even your business is immune to dangers. Contact All Nevada Insurance, your independent insurance agency, to learn how you can safeguard your hard work with business insurance for your small business.

Ways to Save on Your Motorcycle Insurance

Posted on by TheSph3r3
Save on Your Motorcycle Insurance

Motorists, instead of cutting down on your coverage, cut your insurance costs.

If your motorbike isn’t your primary mode of transportation, you’re likely to keep it tucked away and only hop on it for a sunny afternoon ride. While you may enjoy the thrill of this, you may hate forking out your hard-earned savings each month to keep it protected. Fortunately, there are several (effective) ways that you can save on your insurance.

Enroll in a safety course.
A safety course certificate tells insurers that you’re dedicated to being safe, and that you took extra effort in becoming a responsible driver – earning yourself a discount on insurance!

Get custom coverage.
Make sure that your policy only reflects the way you use your bike. If you store your motorcycle in the garage or keep in hibernated all winter, let your insurer know. If you only drive your bike on a sunny weekend, your insurance could be much cheaper than for someone who rides their bike to work every day.

Raise your deductible.
The deductible is the amount that you pay out of pocket after an accident. Higher deductibles mean that the insurance company assumes less risk – but you pay more out of pocket when filing a claim. Consider this cost before raising your deductible.

Pay in full.
With many insurers, if you pay your premium in full, rather than monthly, you’ll receive a discount!

Know your risks.
Love your top-of-the-line bike? Others probably do, too. The risk of theft and vandalism increases with an expensive bike, as well as having costly repairs. In turn, an insurance policy increases!

Are you ready to secure the right motorcycle insurance for your needs? Contact the professionals at All Nevada Insurance to get started on your custom coverage in Las Vegas, Nevada!

Tips for Buying Business Insurance

Posted on by TheSph3r3
Buying Business Insurance

Shopping for your business’s insurance policy? Here’s what you need to consider first.

No two businesses are alike. Similarly, no two companies share the same risks and threats that can impact the stability, finances, and staff. Buying business insurance for your small company can be a frustrating process. Finding the right policy can feel like you’re looking for a needle in the haystack. In actuality, giving up and settling for a mediocre policy can do more damage to your business than it can good.

Before you select one with a low premium and minimum coverage, here’s what you need to know about buying business insurance.

Look past the premium.

Expenses are important to your business, and you will want to keep to a minimum. For small business owners with limited budgets, it can be tempting to make a decision based on the price. Keep in mind that you’re purchasing insurance to protect your business. Always look at a policy to ensure that it doesn’t leave out coverage you may want later on and that it has high enough limits to suit your company.

Evaluate the policy for gaps.

The defining details of each policy are inclusions (covered events) and exclusions (events that your insurance won’t account for). Pay attention to these items because they determine the terms of your coverage. For instance, when reviewing coverage for commercial auto insurance you’ll want to check that you have insurance for bodily injuries, property damage liability, collision coverage, uninsured motorist coverage, and personal injury protection.

Understand limits and deductibles.

Your policy limits are the stated amount that your insurance provider will pay for a specific event, instance, or claim. Your limits ultimately decide the extent of protection your business receives for liability lawsuits and other losses. While you check your limits, ensure that your deductibles are well within your business’s monthly budget.

Skip the search of finding the right business insurance in your area to suit your needs – contact All Nevada Insurance to find out how our protective policies can meet your business’ needs.

How to Reduce Your Energy Bill This Summer

Posted on by TheSph3r3
Reduce Your Energy Bill This Summer

Keep your home running efficiently without breaking the bank.

Electricity prices are rising, and utility bills are getting ugly. This simple service is one that we take for granted daily. As the summer season is here, you can enjoy saving money on heating costs. However, with the warmer weather, the AC is a must. Instead of breaking the bank to keep your home cool, use these ways to lower your energy costs and balance your expenses.

  • Unplug!
    Even if your electronics are turned off, they’re still using energy – these are known as ‘energy vampires.’ Spooky, right? The real fright is seeing how much energy they ‘suck’ up, simply by being plugged in. To beat this cost, unplug your devices and appliances when not in use.
  • Splurge for solar panels
    One of the best ways to save electricity is to produce your own. With grants and payment plans available, you can put the sun’s energy to use!
  • Service your air conditioner
    Roughly half of an average home’s annual energy bill (gas and electricity) is spent on heating and cooling. Spend a bit of time annually to perform some basic air conditioner maintenance, such as cleaning and straightening the fins, changing the filter, and lubricating the motor.
  • Use your ceiling fans year round
    When the air blows down, it helps to cool the room and keep it comfortable, keeping your A.C. at a minimum. Turn the fan the other way in winter so that it pulls the cold air up to help keep you warm!
  • Use compact fluorescent light bulbs
    Make the switch to compact fluorescent light bulbs (CFL bulbs) that use up to 75 percent less energy. To keep your home cooler in the summer, turn off lights when they are not needed to reduce the heat given off.
  • Buy Energy Star appliances
    When you shop for appliances, look for the Energy Star label. It means that the appliance meets certain energy-efficiency guidelines – saving your energy and pocket! Not sure what to do with your old appliance? Recycle it.

From the insurance professionals at All Nevada Insurance, we hope that you enjoy cutting down your energy usage and your monthly bill! For more tips on how to save money and fully ensure your home’s protection, contact us to secure the right homeowners insurance for your needs in Las Vegas, Nevada.

How Much Money Can I Make From Franchising?

Posted on by TheSph3r3
Money Can I Make From Franchising

Should you take your financial leap of faith in the franchising industry?

Most people who look into franchising a company will undoubtedly ask, “Will I make money?” As with anything in business, and in life, there is no one answer. It’s well worth developing a detailed plan before committing to a franchise system and taking a look at the factors that affect how and when you make money. Buying and running a business involves a lot of hard work, and ownership isn’t much fun if you aren’t making any money. While it’s true that franchising is a more structured and transparent way to becoming an entrepreneur, it still can be complicated and confusing to navigate the process on your own.

Do Your Due Diligence

Before buying a franchise, it’s important to learn what your experience will be like as a business owner. Those who skip this crucial step often fail as business owners as they end up with a franchise that isn’t a good fit for them. If you’ve never run a business before, your natural instinct might be to focus on the bottom line. Unfortunately, it doesn’t work to ask about the profit and income when you’re researching a potential franchise.

Look Beyond the Bottom Line

As a business owner, your take-home pay at day’s end isn’t normally a good indicator of the business’ full financial benefit. Look over a franchisee’s profit and loss statement (P&L) to assess if the business appears to make very little profit. Many businesses expenses may make the company’s bottom line appear lower than what it actually is.

Figuring out your earning potential as a franchise owner is much more complicated than simply asking a salaried employee how much they make. Take your time to assess your needs, wants, and find the right fit for you. It’s a venture that should be enjoyed by handled carefully.

Are you ready to find the right franchise opportunity? Visit All Nevada Insurance today for more information!

Should Your Spouse Get Life Insurance?

Posted on by TheSph3r3
Spouse Get Life Insurance

Do you and your spouse have enough life insurance as a family?

While talking about death is low on everyone’s list of things to do, when it comes to purchasing insurance, it’s a must. It may particularly be unpleasant if your spouse is talking about the aftermath of their death. However, because you have family members who are dependent on you and the income you provide, you probably need life insurance.

Who needs a policy?

When considering life insurance options, it’s simplest to think about what your family would need if you were to die unexpectedly. In many cases, this means that a vital income is lost. If one partner brings in the majority of the family’s insurance, life insurance should be able to replace the lost wages. If the surviving partner is a stay-at-home parent, the life insurance plan may be able to help with child care, transportation, and housekeeping expenses.

How much should I buy?

You can buy as much insurance as you want. However, it’s important to keep your family in mind so that they are adequately covered in the event of your death.

Many different considerations will determine how big a policy to buy:

  • How long it will take for the surviving partner to get to retirement or self-sufficiency
  • How long children may be dependent on the parents
  • The cost of college for the children
  • Household expenses
  • Debt

Bear in mind that even if your spouse has a life insurance policy through work, it may not be sufficient for your family’s needs. Review the coverage, and you may opt to purchase additional protection.

Making these decisions can be complicated. Work with a financial planner at All Nevada Insurance who can help you find the right policy for your family’s needs. We provide residents in Las Vegas and cities in Nevada with reliable insurance. Contact us today to get started on your tailored policy!