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!

Western Mutual and Arizona Home Insurance would like to take this opportunity to thank all of our insured’s and their families. We appreciate your business and look forward to being able to serve you in the coming year. May 2022 bring success, health and happiness. From our family to yours…we wish you a Happy New Year!

Every year it seems like we go through the same cycle of preparing for the New Year with plans to look, feel and do better. However, 9 times out of 10, that plan is short lived and we revert to old ways or habits. This time around though, we have some tips to help your resolution stick and improve your overall self.

1. Just pick one thing. Don’t try to change a bunch of things at once; it often times can be too complicated. Instead, pick one thing to begin. Make it something concrete so you know exactly what change you’re planning to make.
2. Pick a start date. You don’t have to make these changes on New Year’s Day. That’s the conventional wisdom, but if you truly want to make changes, pick a day when you know you’ll be well-rested, enthusiastic and surrounded by positive people.
3. Write it down. Make a commitment and write it down. Writing it down gives you the added obligation of keeping to your resolution. Think about writing it down on a card, typing it in your phone’s notes app, or posting it to social media. This will hold you more accountable to your actions.
4. Accept failure. If you do fail, it’s okay. Make a note of the triggers that caused your set back and vow to learn a lesson from them. Perseverance is the key to success. Keep trying and you will succeed.
5. Plan rewards. Small rewards are a great encouragement to keep you going during the beginning stages! Treat yourself every once in a while!

In 2021 Western Mutual was proud to announce that we had received an A+ rating by AM Best and a near perfect score on Clearsurance (an insurance review website).

This accomplishment comes from our dedicated staff and happy customers who switched and saved with us.  All it takes is 30-seconds and you can see how much you may be overpaying with your current insurer.

Why not start the New Year by putting some extra cash in your pocket?

Visit us online at http://www.westernmutual.com or call 1-800-968-8825 to speak with one of our licensed agents. Available Monday through Friday from 8:00 AM to 5:00PM PST, let them know you want to check yes on saving some money.

May today fill your heart with happiness and your house full of cheer. We wish you a Merry Christmas and a Happy New Year!

On this Christmas Eve, Western Mutual, Arizona Home and Residence Mutual would like to wish you and your family a healthy and festive holiday weekend.

Skip the chocolate bark this year and gift your loved ones a healthier treat that can be eaten all day long. This granola is specially designed to break apart into large clumps (so it’s easier to grab a handful as you pass by the jar, of course.)

• 1 large egg white
• 1/4 cup packed light-brown sugar
• 1/4 cup pure maple syrup
• 3 tablespoons extra-virgin olive oil
• 1 1/2 cups old-fashioned rolled oats
• 3/4 cup unsweetened shredded coconut
• 1/3 cup chopped almonds
• 1/4 cup pepitas
• 1/4 cup flaxseeds
• 2 tablespoons fine or super-fine almond flour
• 1/2 teaspoon ground cinnamon
• 1/4 teaspoon kosher salt

• Step 1: Preheat oven to 325°F. In a large bowl, whisk egg white until frothy; whisk in brown sugar, maple syrup, and oil. Add oats, coconut, almonds, pepitas, flaxseeds, almond flour, cinnamon, and salt; stir to combine.
• Step 2: Firmly press mixture evenly into bottom and all the way to edges of a parchment-lined 9-by-13-inch rimmed baking sheet or pan.
• Step 3: Bake, rotating once, until golden and crisp, about 45 minutes. Let cool completely; break into pieces. Store in an airtight container at room temperature up to 1 week or freeze up to 3 months.

Today we enter the fourth and final season of the year as we have reached the winter solstice. While many have already experienced snow and frigid temperatures, the cold season is just starting. The Winter solstice is the shortest day and longest night of the year.

Bundle up and Happy Winter!

With only a couple of weeks left in 2021, one might start planning how they will take on 2022 with some new year resolutions. Though it might seem cliché to make a list of ambitious goals, accomplishing even one is a major victory.

Challenges are what make life interesting but overcoming them is what makes life meaningful.

With that being said, we hope you challenge yourself to accomplish even a small goal for the following year. We are all cheering you on, you got this!