Each New Year’s Day signifies the start of carefully thought out resolutions for millions of Americans. Unfortunately, resolutions do not tend to stick as we put too much pressure on ourselves to achieve these goals and end up feeling overwhelmed in the process. If this is the current situation you find yourself in, do not give up. Here is some inspiration to help you stay on track.

• Summer is still more than 5 months away and results from working out at least 4 times a week begin to show within 3 months. So imagine starting now, how great you will feel and look in that time.
• The first week is always forgiven as everyone is still getting back into their regular schedule after the holiday madness and probably haven’t had time to reflect on resolutions for the new year.
• There are so many free apps that can help you achieve your goals from fitness to mental health and even money management. Just search your app store and check out the reviews before downloading.
• Only choose one goal for this year, big or small but something you know is within your time and budget restrictions. A habit is formed after 22 days of repetitive action so that one goal will be part of your daily routine in no time.

Here’s to making 2022 the best year yet!

The joy of being a homeowner is unmatched, however understanding all the paperwork can be a nightmare. The most common struggle is reviewing your insurance policy and deciding if you need more.

Second to that is knowing the difference between homeowners insurance and home warranty. Let us explain;

Homeowners insurance provides you the coverage necessary to know your home is protected against unexpected damages from perils such as fire, theft, vandalism and civil commotion. However, when it relates to repairs or maintenance of your appliances, a home insurance policy does not cover those items but a home warranty will. Similar to a car, one would not call their insurance for new tires or an oil change, the basic maintenance it needs, but instead refer to a potential car warranty that offered those services. The main difference between an insurance policy and a warranty policy is that the insurance on the home is mandated by the lender as oppose to the warranty that is not. We hope that in sharing this vital information, we answer some concerns or doubts about your policy.

Of the ten biggest annual meteor showers, just two could produce over 100 stargazing trails per hour: the December Geminids and the January Quadrantids, which is due to peak tonight.

The Quadrantids meteors are typically among the brightest of showers and with a less-illuminating crescent moon tonight, visibility of the stars will be optimum.

According to The American Meteor Society, the best time to view the light show is between 11 p.m. through 5 a.m. PST.

Let us know how you many you see!