by California Casualty | Homeowners Insurance Info |
Have you spent years dreaming about a home makeover? Or find yourself sitting on social media watching others DIY thinking ‘why can’t I do that?’ You CAN! Believe it or not, you don’t have to be a design expert to create a cozy corner, a relaxing vibe, or a stylish space in your home. Here are some quick and easy DIY room makeovers for your home that you can do this spring to give your space a nice little refreshing update- on a budget.
Bedroom
– Choose a color scheme. Pick two main colors and use them to choose varying textures and patterns which will add visual interest. This will help tie together the look of your room, whether it’s a bedroom or other room in your home. Best colors for bedrooms are cool, relaxing tones. Think shades of blue and muted greens.
– Showcase your headboard. The bed is the focal point in your room. Give it a little drama with the right headboard. For an easy fix, use a curtain behind your bed as the headboard. Make your own fabric headboard with material that matches your color scheme.
– Remember the fifth wall. Who said ceilings need to be white? In bedrooms, we spend our share of the time staring at the ceiling. Paint the ceiling a color, and see how it transforms the space.
– Hang drapes from floor to ceiling. Go a few inches above your window to add height, and have the drapes go down to the floor for an elegant feel.
– Get fancy with hardware: Chances are that your nightstands and dressers have traditional knobs. Change them out for tassel hardware or other fancy options.
Living Room
– Create a gallery wall. Choose the photos that represent wonderful moments in your life, and images of the people who are most important to you. For a cohesive look, choose the same color frames. Make it a statement wall by painting it a color that’s different from the other three walls.
– Include a hobby piece. Do you love to travel? Perhaps you play guitar. See if you can incorporate some of your favorite past times in the décor. A surfboard shelf, framed albums, a world map, or a guitar hung on your wall not only is a decoration, but a reminder of your happy place.
– Wallpaper a wall. Removable wallpaper lets us change our style without the long-term commitment. Choose a vibrant pattern in your color scheme for one focus wall. The wallpaper becomes the art and sets the tone for the space.
– Add wainscoting to your wall. This decorative trim transforms a room with its elegant accent pieces. You can even use the trim as a guide and paint the wall different colors above and below.
– Conceal the clutter. Use baskets or decorative boxes to store magazines, electronics, and loose items that you use regularly. Place them on a bookshelf to keep them out of the way.
– Add an area rug. It doesn’t matter if you have a carpet already in your living room. You can still add an area rug on top. Choose a pattern in your color scheme and it becomes artwork for your floor.
Kitchen
– Add a backsplash. It creates a beautiful focal point behind the stove and in other places above the counters. There are so many options available, from glass mosaics to tile to peel-and-stick. You can find online tutorials on how to install a backsplash from the major retailers and home improvement sites.
– Upscale your knobs and handles. Give your drawers and your cabinets a fresh look by changing out the knobs and handles. It’s a lot easier than painting cabinets, though you can do that, too.
– Install a pot rack on your wall. It’s an easy way to display your cookware while freeing space in your cabinets for other utensils.
– Add under cabinet lighting. You don’t need to be an electrician to install this type of lighting, which is self-adhesive and comes in strips that can be trimmed to fit your space. It plugs into a standard outlet and some models come with dimmer switches.
Bathroom
– Upgrade that mirror. You don’t have to spend a fortune to switch out your plain bathroom mirror for one that will be a focal piece. You can add your own frame. You can also reimagine the space with a find from the local thrift shop. Don’t hesitate to add paint for that special look.
– Paint your bathroom vanity. A little paint can transform an old vanity into a beautiful piece. Switch out the knobs and drawer hardware for an even newer look.
– Change out your towel rack. You can find many towel racks at your local home improvement store. If you have the time, consider making your own to highlight your own personal style.
Not sure where to start?
– Create a mood board. Collect images of items that you like. You can do this on Pinterest or on a PowerPoint or Word document. You can even do it old school and paste the pictures on a board.
– Find your color scheme in a favorite piece of art. See if those colors will work for your room, and of course, make sure that the art piece is part of the décor.
– Move furniture around. Take out a piece of furniture. See what works and what doesn’t for your space.
For more spring DIY décor inspo, check out our Pinterest Board- Staycation DIYs! Be sure to follow us for every new DIY we discover.
Happy decorating! 🙂
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
by California Casualty | Auto Insurance Info |
No matter the situation, it’s stressful to be in a car crash. It’s even more nerve-wracking if the other driver refuses to stop. In a hit-and-run, you’re left all alone with all of the damage—and if you can’t find the other driver—the cost.
A hit-and-run is defined as a collision where at least one driver leaves the scene without sharing information or offering help. In most states, this is against the law, but it happens more often than you think- every 43 seconds someone is the victim of a hit-and-run. If there’s damage to your car, a hit-and-run could be a misdemeanor but if there’s also injury, it could be a felony.
So what do you do if a hit-and-run happens to you?
Step #1: Safety comes first. Check for injuries and that you’re in a safe location.
If you’re hurt and need immediate medical attention, call 9-1-1. If your car is in a dangerous location, and could be hit again, move it out of harm’s way.
Step #2: Look for a witness.
Look for a witness. If witnesses are nearby, ask if they’d make a statement. Take their contact information to share with police. (This is good advice for any type of accident.)
Step #3: Write down as much information as you can. Take photos.
Take a moment and write down what you remember about the accident, including the most important thing—the license plate number if you saw it. That will help the police to locate the vehicle. Also include information about the other car, such as the vehicle’s make and model, color, and direction of travel. If you saw who was driving, include a description of that person. Then, take photos of the damage to your car and the place where the accident occurred.
Step #4: Stay where you are and call the police.
In some states, it’s legally required to call the police. You’ll want to do so even if it’s not and even if the damage wasn’t serious. The police need to get out there immediately to make a report from the scene of the accident so that they can help to track down the other driver. In addition, your insurance provider will likely ask for a copy of the police report. Police reports document any physical evidence such as tire marks as well as any witness statements.
Step #5: Call your auto insurer.
Let your insurer know about the accident and file a claim. Calling your insurance company will allow you to find out coverages available, limits, and deductibles. If you don’t have a body shop, they can often refer you to one in your area. At California Casualty, we call these “GRN’s” – Guaranteed Repair Network. These approved independent facilities meet the company’s strict customer service and quality standards. Your insurer will let you know about the repair process and will share information on whether your policy covers a rental car while your vehicle is being repaired.
Step #6: If you need a tow, call roadside assistance.
If your car is damaged to the point where it cannot be driven, have it towed to your body shop.
Know your towing limits. Some coverage will take your car to the nearest place of repair. You may have to pay out-of-pocket if you to tow your car further. Finally, before any work can be done to repair your car, you will want to verify the process with your insurance company.
Who pays for repairs from a hit-and-run?
If you’re able to locate the other driver and he/she is insured, you will be able to file a claim with the driver’s insurance company. If that’s not the case, you have a couple of options. These vary by state and are also determined by how your insurance company handles hit-and-run accidents.
Collision Coverage
Your collision insurance kicks in if you don’t have underinsured or uninsured motorist coverage. If your car is totaled, collision coverage offers either “actual cash value” for your vehicle or the amount necessary to repair or replace the vehicle with another of similar kind and quality—subject to the deductible. There are certain cases where the deductible could be waived; check with your insurer. Collision applies both to accidents with other drivers and collisions with objects such as a fence or mailbox. It also covers vehicle rollovers. Unlike liability insurance, collision coverage is not usually required—unless you’re leasing a car or paying off a loan on a vehicle. However, it may be good to have, especially in the event of a hit-and-run.
Uninsured/Underinsured Motorist Property Damage
One reason that a driver might run from the scene of an accident is if he or she does not have car insurance. If that’s the case, even if the police identify the driver, you cannot file a claim with his/her insurance company. If you have uninsured/underinsured motorist property damage, you can use that to pay for repairs. These are optional coverages in the majority of states. In some states, you are not allowed to carry collision and UMPD at the same time. Also, sometimes UMPD has a policy maximum, or cap on the amount it will pay. If you have UMPD/UIMPD, and it isn’t enough to cover the total cost of your car, your own collision coverage will help.
Having the right coverage is important for protecting your vehicle and keeping you from having to pay thousands in the event of an accident that is not your fault. Schedule an annual review with your insurer to make sure you are fully protected. Then, stay on top of your coverage by managing your account online.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
by California Casualty | Educators |
This article is written by former New Jersey first grade teacher, Felicia Niven.
If you’ve ever played music in your classroom, you know it can transform the mood in a minute. Music is the language everyone speaks- even kids. We instinctively react energetically to lively tunes, and relax when soothing classical is played. In fact, music is a powerful tool in classroom management as well as learning.
How can you implement using relaxing music to improve student behavior and engagement in your classroom? Read on.
Studies show that music has real physical effects.
It’s no coincidence that music affects our mood. Studies have shown that music stimulates endorphins and improves our sense of wellbeing. It lowers our heart rate and reduces stress and anxiety. In one study, students who regularly listened to a half-hour of quiet morning music got less upset than their peers. Another study found that background music helped students stay on task, self-monitor their behavior, and improve their motivation.
Music helps in learning.
Music promotes brain plasticity, the ability of our brains to change and adapt to new things.
It stimulates both the left and right sides of the brain. The left side is more verbal and analytical. It responds to the sequence of sounds organized in a pattern. The right side is more emotional. It taps into feelings, visualization, and imagination. Using music as part of your lessons, or transitions between, adds another layer to learning for your students.
Ways to Use Music in Your Classroom
Incorporating music will take a bit of a learning curve if you haven’t done it already. Remember to listen to any tracks before you use them so there are no surprises. Determine how you’re playing the music (e.g. Smartboard, CD player, computer, iPad). You’ll want to practice with your students in the same way that you teach them beginning-of-the-year routines so they know what is expected. Trust us, the benefits will be worth the effort.
Here are some tried and tested ways that teachers are using music in the classroom.
1. Set the tone at the start of the day.
Imagine entering a room filled with relaxing background music. It automatically sets the tone for quiet voices and the behavior expected. Play music as you’re setting up for the day and keep it on as students come in. Turn it off when it’s time for the pledge of allegiance and the official start to the day.
2. Schedule a meditation moment.
Give your students a different kind of brain break—a guided meditation to music. It’s one way to keep mindfulness in the classroom, and it helps students calm themselves and focus.
3. Use music for transitions.
Transitions can be tough, especially for students who don’t have a clear concept of time. Choose a short piece of music to signal transitions. Teach students to put away their things or clean up by the time the song ends. While not necessarily relaxing music, TV theme shows are often a good length for transition pieces.
4. Make it memorable.
Memorizing a long list of facts, from state capitals to multiplication tables can be grueling. Put it to a familiar tune and you’d be surprised at how much fun students can have. This works for grammar and vocabulary, and dates in history, too. Add some period music and explore the context of historical songs for an immersive classroom experience.
5. Foster cultural connections.
Music is a wonderful way to connect to different cultures. Find and play the heritage songs from your students’ unique backgrounds. Add a cultural connection to your lessons or transitions with music and open up your students’ world.
6. Calm students after lunch/recess.
Calming music helps students wind down quickly after high-excitement activities. It immediately captures their attention, reminding them that the classroom is a quieter place. Plus, music is a nice alternative to raising your voice.
7. Have students “free write” to classical music.
Help students to explore their creative side by tapping into the thoughts that classical music inspires. Not only are they listening, but they are processing and reflecting on what they are hearing.
8. Incorporate brain breaks with music with movement.
Have students create lyrical movements inspired by music. Invite students to dance for a brain break. Have students take turns creating simple movements to the beat, such as clapping, snapping, and tapping. Wind down with relaxing music that segues into the learning activity.
Where to Find Relaxing Classroom Music
The good news is that you don’t need a big budget to incorporate music in your classroom. With a little time, you can find plenty of free options as well as subscriptions.
Amazon Music Unlimited offers plenty of instrumental tracks. This subscription service lets you try it for free for 30 days.
Apple Music is a music streaming service. This is another subscription service but Apple usually offers a teacher discount. You can test it out with a free 3-month trial.
Pandora offers a free version of its music streaming service with advertisements. You can listen offline and search and play songs on demand.
Spotify is a great resource for classroom playlists. Check out California Casualty’s Spotify playlist of soft, mellow music you can play in the background of your classroom to increase focus and promote calmness.
YouTube has the advantage of being free. Choose ones without distracting images if you’re playing them on a SmartBoard and make sure to skip the ads. Try out some of these popular music videos:
Finally, teachers know the best resources. Check with colleagues to find their “go-to” source for classroom music
Do you have another way to use music in the classroom or a good source for relaxing music? Share your ideas with fellow educators in the comments!
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com
by California Casualty | Homeowners Insurance Info |
Your home is one of your greatest investments; you need to make sure that it’s fully protected. That’s where home insurance comes in, but it’s not one-size-fits-all. There are plenty of decisions to make when buying your own policy- from coverage limits and extra protection for your belongings to important add-ons like water back up and sump pump discharge or overflow coverage and flood insurance.
It’s easy to make a quick choice when looking for insurance without realizing there could be major consequences (that could cost you thousands of dollars out-of-pocket). That’s why we’ve compiled the most common home insurance purchasing mistakes, so that you won’t make them.
Don’t just look at the price.
Of course, you want a good price. However, sometimes a cheap policy is a red flag. The company may be shady. Talk to friends and neighbors about companies they use. See which ones are endorsed by your union, bank, etc. If you’re worried that the price is “too good to be true,” check the coverage to make sure it’s not missing important items. Also, consider that there are many ways to lower your home insurance costs if price is a concern.
Don’t buy the wrong type of policy.
There’s a different policy for insuring your home when you’re living in it, versus insuring your home when you’re renting it out. Make sure your policy addresses your living situation. If you have the wrong type of policy, there is a chance your claim may not be covered.
Don’t underinsure your home.
It may be tempting to insure your home for the amount that you owe on it, and nothing more. Don’t do it. If your home is worth $350,000 and you owe $50,000 on the mortgage, you should insure your home for the full amount. If you insure it just for $50,000, that’s what you’ll get if your home is declared a total loss. All of that money will go to the bank and you’ll be left with nothing to rebuild. That’s why at California Casualty, we don’t write a policy unless it covers 100% of the replacement cost. Ask us about our 360Value tool which makes sure you’re insured for full value.
Don’t reduce your coverage to lower your premium.
If you’re using a company other than California Casualty, and you decide to reduce your coverage below your home’s value to lower your premium, you’re putting yourself at risk. You won’t have enough money to rebuild. The better way to go is to raise your deductible. This is the amount that you pay out-of-pocket before insurance kicks in. You can do this to save money with your California Casualty policy, too. According to NerdWallet, you could save 20 percent by raising a $500 deductible to $1,000. If you do increase your deductible, make sure that you can cover that deductible should something happen.
Don’t think flood or earthquake insurance is automatically included.
Many people don’t realize that homeowner’s insurance does not include floods or earthquakes. For that, you will need a separate policy. If you’re in a flood zone, you will want that extra insurance. There’s a 30-day waiting period to buy flood insurance so don’t wait until the last minute. Live in an earthquake-prone zone? The same principles apply and you will not be covered by just a regular home insurance policy.
Don’t skip the additional coverage.
As with floods and earthquakes, not everything is covered in your basic policy. Know what is covered and what is not covered so that you aren’t surprised in the event of a loss. Take an inventory of your possessions. Make sure your policy covers the valuables in your home. There’s a theft limit to jewelry coverage, and so you might need an insurance rider, an optional add-on to your policy.
You might want additional coverage for water backup and sump pump discharge or overflow.
If you’re a member of a homeowner’s association, you might consider increasing your loss assessments coverage which goes toward special assessments for expenses associated with your community. However, you may be surprised at what your policy does cover, such as your garden shed or detached garage and its contents. It also covers your kid’s stuff when he/she is away at school, your parent’s stuff if you’re storing it for them while they’re in a nursing home. Those are covered at just 10% of coverage limits, so you might consider additional coverage.
Don’t forget to ask about discounts.
You may qualify for insurance discounts for being part of a professional association, such as groups for teachers, nurses, or first responders. There are also discounts for being 55+ and retired, and for paying in full upfront. You may qualify for a new home discount, or a discount if you have updated your utilities (electrical, plumbing, heating, cooling) in an older home. There are discounts for a new roof and an automatic sprinkler system, for fire and burglar alarms, and for monitored security systems. You can even be rewarded for being a loyal customer. When you bundle your home and auto insurance, you can often qualify for reduced rates, saving hundreds of dollars.
Don’t go it alone.
Insurance is complicated. Your house is one of your most expensive assets. Take the extra step and talk in-depth to a professional insurance agent. At California Casualty we tailor our coverage to you and your home. Your agent can help determine the unique risks for your home and what you need to fully protect it—and that you don’t pay more than you have to.
Don’t buy it and forget it.
Remember to update your policy if you renovate your house. Some companies’ contracts require you to notify them if a renovation exceeds a certain amount. In addition, you’ll want to update your policy immediately if you buy or receive additional valuables, such as jewelry.
Make sure to sit down each year to review your policy. Ask what additional endorsements are available. Review your renewals; policies change and these changes will often be explained in the renewal packet. Consider increasing personal liability to cover, at a minimum, the market value of your home.
Finally, don’t forget to…
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- Shop around. Getting competitive quotes will help you determine the right price.
- Ask friends and family members for referrals to their insurance company.
- Research the company. Make sure the company is licensed to work in your state. Check its reviews on the Better Business Bureau and online.
- Look for a company that will be responsive to your needs. Good customer service and claims service are key.
It’s your home. Make sure it’s protected.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com
by California Casualty | Auto Insurance Info, Safety |
Keep yourself, your passengers, and other drivers on the road safe in these four common high-pressure situations when you need to pull over on the side of the road.
Pulling over on a highway
Tip #1: If you need to pull over, do not panic or make sudden moves. This could cause you to make rash decisions. Check your surroundings and know the positions of the other vehicles on the road. This will help ensure that you don’t cut them off.
Tip #2: Don’t go left. The left side of a highway usually has less space. If there’s no barrier, it also might put you close to oncoming traffic. Put on your right turn signal. Start moving to the right as soon as you can do so safely.
Tip #3: Look for a wide shoulder. Avoid construction zones and places that are overgrown with trees. The ideal spot has a wide shoulder next to flat grass to allow your vehicle as much distance from the highway as possible.
Tip #4: Be aware of road conditions. Weather can make the roads slippery, such as black ice which can cause dangerous conditions. As you’re traveling right, adjust your speed accordingly. Be aware of any debris.
Tip #5: Activate your hazard lights so other vehicles are aware you are there. This is especially important in the dusk or dark. Do not exit your vehicle. You are much safer inside your car. However, if you must get out, stay on the side opposite to the highway, and never turn your back on traffic. Follow steps, if needed, in the next section on roadside assistance.
Tip #6: Give yourself ample time and space getting back onto the highway. Getting up to highway speed takes time. Turn off your hazards and put on your turn signal. Start to accelerate in the shoulder lane. When you are up to speed, safely merge back into traffic.
Roadside emergencies
Tip #1: Recognize there is a problem. You might notice that your car is in trouble due to noises, smells, or lights on the dashboard. Put on your hazard lights to alert other drivers that you are having an issue. Be aware of other cars around you as you look for a safe place to pull over.
Tip #2: Find a safe place to stop. Avoid stopping at a corner or the bottom of a hill where your car might surprise other drivers without enough room for them to slow or stop. If you can make it to a freeway exit, a rest stop, or a parking lot, do so. If not, a wide shoulder on the side of the road will work. Try to stop under a street light if possible.
Tip #3: Mark your spot. Don’t exit your car until it’s safe to do so. If you’re on a busy road, get out the passenger side and stay away from traffic. Set up emergency flares or fluorescent cones that warn other drivers you are there. Then return to your vehicle.
Tip #4: Call for roadside assistance if you need it. You may have roadside assistance through your insurer, but if you don’t, you can call a local towing service. There also are some apps that will connect you with service providers, such as HONK and Urgent.ly. Check with your local municipality as well. The state of California offers a free Freeway Service Patrol program to help clear the roads from broken down vehicles.
Tip #5: If you can, take care of simple repairs. You may be able to fix your flat tire or jumpstart your car.
Tip #6: Be careful of anyone who stops to help. Use your best judgment. Some people who offer to help may wish to cause harm. Err on the safe side and lower your window only enough to talk. Let the good Samaritan know that professional assistance is on its way.
Police stops
Tip #1: As soon as you hear the siren or see the flashing lights, put on your hazards. This lets the police officers know that you saw them and that you’re slowing down.
Tip #2: Search for a place to pull over that’s large enough for two cars. Most officers will permit you to go a short distance to a driveway, business parking lot, or gas station. If the car is unmarked, make sure you are in a safe place, such as in a well-lit area with people around or near an open business.
Tip #3: Turn off the ignition and wait. It may take several minutes for the officer to exit the car. He or she may be getting information about your car. Be patient and wait. Do not get out of your car.
Tip #4: If it’s a marked vehicle, roll down your window. If it’s an unmarked car, wait until the police officer approaches and asks for credentials before you roll down your window.
Tip #5: Be calm when you talk with the officer. The officer will most likely ask you for your license, registration, and insurance card. Let them know if you do not have one of the required documents.
Tip #6: If you get a ticket or citation, do not argue. Be respectful. Thank the officer if you get a verbal warning. After the officer has returned to his or her patrol car, pull out safely into traffic
Tip #1: Listen for a siren. A police, ambulance, or fire truck siren can be heard for a good distance. If you think you hear a siren, shut off your radio or music. Try to determine the direction where it is coming from. Look for flashing lights.
Tip #2: Put on your right turn signal and slow down. Continue listening for the siren and looking for lights. Identify a place where you can safely pull over to the right of the road.
Tip #3: Check your mirrors and make sure the way is clear. Pullover and park your car. You can leave the engine running as you shouldn’t be there for long.
Tip #4: Watch for the emergency vehicle and wait until it has passed. When you do pull out, you will want to stay at least 500 feet behind it.
Tip #5: Check your mirrors, put on your turn signal and carefully pull back into traffic. You may need to wait your turn, as other drivers will be doing the same thing.
Drive safe.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com
