March 2024

 

Happy Spring and more importantly, Happy Easter! A great day to reflect on all that God has given us and how He shows up for us every day. Remember that He chose YOU. Time changes, season changes, flowers are blooming, and we are getting some longer days of sunlight. We hope you are having a lovely start to your spring season and are enjoying some spring showers. 

Our families faith in Jesus Christ as our Lord and Savior is the main cornerstone of our success and longevity in the insurance industry.  We respect all beliefs and want you to know that you are loved and respected.  You will see our faith in how we treat and appreciate you.  You will feel our faith in time of need.  You will hear our faith from our gentle and kind tone.  Thanks again for our relationship and we hope you enjoy the read.

Spring Forward 

Whether you are a fan of the springtime change or not, there are some benefits to it. While we still lose an hour of sleep, there are still plenty of benefits. 

More daylight promotes safety. It allows people to be outdoors longer and reduces the amount of crime. 

People can stay active outside later. Folks who have to work longer hours are able to have more time for exercise. 

People conserve more energy being used due to the longer daylight hours. 

Retail business owners can benefit because people tend to shop more with more daylight as well. 

Although it is not always fun waking up dark and early, there are benefits to your exercise routine, the economy, and safer environments. 

Refreshing Recipe 

Ingredients: 

• 1 package (12 ounces) whole wheat penne pasta
• 1-1/2 pounds boneless skinless chicken breasts, cut into 1/4-in.-thick strips
• 3 tablespoons olive oil, divided
• 3/4 teaspoon salt, divided
• 1/4 teaspoon pepper
• 3 garlic cloves, minced
• 1/2 cup reduced-sodium chicken broth
• 1/2 cup dry white wine or additional broth
• 6 plum tomatoes, chopped
• 2 cups fresh baby spinach
• 3/4 cup crumbled feta cheese

Directions:

1. In a 6-qt. stockpot, cook pasta according to package directions. Drain; return to pot.
1. Meanwhile, toss chicken with 2 tablespoons oil, 1/2 teaspoon salt and pepper. In a large skillet, cook and stir chicken, half at a time, over medium-high heat 3-5 minutes or until no longer pink; remove from pan.
2. In same skillet, heat remaining oil over medium heat. Add garlic; cook and stir 1-2 minutes or until tender. Add broth and wine. Bring to a boil, stirring to loosen browned bits from pan; cook 2 minutes. Stir in tomatoes and remaining salt; cook until tomatoes are softened. Stir in spinach until wilted.
3. Add chicken and tomato mixture to pasta; heat through, tossing to combine. Serve with cheese.
4. Less than 500 calories per serving and 36 grams of protein per serving! 
5. Such a quit and easy family-friendly dinner that everyone will love and does not break the bank or take forever to make. 
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Restaurant Review - Aria 

Aria - Yelp Review

One of the best Persian/Mediterranean food I have had in southern California. Such a family feel and excellent customer service. They offer areas for large events, catering options, or a great spot for your next family dinner or date night. We tried the Greek salad, combo plate, and the falafel. Everything tastes so fresh and truly homemade. They are located right off the 78 freeway in San Marcos. Definitely give them a try when you are looking for a healthy option with bigger portions. 

Preparing for Rainfall in California 

It is strange when the weather calls for rain in southern California and we actually get rain! 

Anticipating and preparing for the rainfall can help you stay safe and prevent or limit any damage to your property. 

Ready LA County suggests these preventative measures for California residents experiencing heavy rainfall: 

• Assume that burn areas and canyon, hillside, mountain and other steep areas are more likely to have landslides and mudslides.
• Limit the height of plants near buildings to 18 inches.
• Use plants and bushes that are less likely to burn and keep them watered. This not only helps with landslides/mudslides, but is also helpful for fire safety.
• Water landscape to promote early growth.
• Get rid of litter and dead/dry vegetation.
• Inspect slopes for increases in cracks, holes and other changes.
• Build away from steep slopes, bottoms/mouths of steep ravines and drainage facilities.
• Consult with a soil engineer or an engineering geologist to minimize the potential impacts of landslides.

Spring Training - Workout of the Month 

15 minute AMRAP: 

An AMRAP stands for "as many rounds as possible". Your goal is to set your timer and try to get as many rounds in as you can within the 15 minutes! Try this AMRAP again in a week or 2 and see if you can increase the amount of rounds you can get in 15 minutes. 

200 m run/jog/walk 

20 squats 

15 crunches 

10 push-ups 

Repeat as many times you can in 15 minutes! 

Very Important Instructions From Our Agency Owner

As we complete the first quarter of the year, our Department of Insurance Commissioner Lara, is trying to assist with the on going difficulties of having enough surplus to indemnify our insureds in the event of a catastrophic event.  Many of you have witnessed the doubling of rates and have been very concerned about the affordability and sustainability of living in California.  You are heard and we, as your insurance agents, will do all we can to keep you insured with the most affordable premiums with the correct coverages.  It is very important to follow the below items in order to keep your policies in force and to protect your assets.  

1.  Follow all request for underwriting and renewals.  Please provide any pictures, mileage documents, compliance request and any other requirements needed so we can provide a timely renewal. 

2.  Do not miss your premium payments or be late, the forementioned actions will result in single pay premiums, no more free financing of premiums and or termination of policies without the ability to reinstate. 

3.  Read all correspondence that is sent to you from our agency and more importantly, directly from the Farmers Insurance Group. 

4.  Manage your premiums by consulting and asking for a review with our agents, the trend to manage premiums is higher deductibles.  Utilizing insurance for catastrophic loss only is also trending.  

5.  Bundle your home and auto and umbrella insurances with a single carrier.

6.  Conduct regular maintenance on your homes, cars, recreational vehicles, investment properties.  Note that insurance is not a warranty product.  Wear and tear is not covered under the basic home and auto insurance policies. 

7.  Try to install a whole house water shut off system.

8.  Maintain you yards and trees to prevent over growth. 

These are tips to help manage your insurance and premium payments.  Our California Insurance Industry is seeing improvements in underwriting and surplus and we should see restrictions lesson and rates stabilizing in the 4th quarter and into 2025.  Thank you as always for listening and complying.  The insurance industry helps the lending industry by providing our surplus to lend and help the economy grow.  We are all in this together and we will come out of this together.  

Kindly and gratefully, The Domingo Family Insurance Agency. 

February 2024

The Month of LOVE

We can not believe how fast 2024 is already flying by. We are definitely staying busy and we hope you are having a healthy and happy start to the new year. This month we celebrated 30 years of marriage for my parents – the people that keep this business alive! We are looking forward to Lexie coming out to San Diego for a quick visit this month. Keep an eye out for our new series launching in March featuring our boy, Sir Winston. Winston Wednesdays will be a segment each week that will give each of you a little bit of knowledge about our agency and philosophy at Domingo & Associates, Farmers Insurance. We will also be answering frequently asked questions to simplify all things insurance! Feel free to DM us with questions you have @domingofarmersinsurance ! 

Recipe of the Month – Cookie Dough Protein Bites 

 

Super yummy and packed with some protein. These are perfect for an afternoon snack or a sneaky dessert! 

 

Ingredients: 

-1/3 c almond flour 

-1/3 c oat flour 

-2 tbsp honey/pure maple syrup 

-1/2 cup cashew butter 

-2 scoops vanilla protein 

-1/4 c chocolate chips 

-1-2 tsp cinnamon 

 

Mix all ingredients together in a large bowl. Cool in the fridge for 10 minutes. Take out of the fridge and form into 1-inch balls. Store in an airtight container for up to 7 days or freeze for longer! 

 

Mocktail of the Month – 

 

Rim: 

 

-honey 

-sugar 

 

Drink:

 

-3 to 4 oz sparkling water 

-1-2 oz pomegranate juice 

-fresh rosemary for garnish  

-1/4 cup pomegranate seeds  

-ice 

 

Add and stir all ingredients together after sugaring the rim. Top with ice and enjoy with fresh rosemary or lime for your pretty garnish! 

 

 

Workout of the Month – 

A little spin on Valentine’s Day we have 14 reps of everything. Try to finish 4 rounds and see how long it takes you! Try this workout once a week and see if you can improve your time! 

 

Exercises: 

-jump squats 

-push ups 

-alternating v-ups 

-lateral lunges 

-tricep dips 

-double crunch 

 

Complete each exercise for 14 total reps until you get through 4 total rounds. Take rest when you need and see how long 4 rounds takes you! 

 

Winston Wednesday’s…Coming Soon! 

 

Winston has been wondering why insurance is so expensive?! Toon in the first Wednesday of March @domingofarmersinsurance on Instagram to find out! 

A Note from the Agency Owner

Consumer tips and resources:

 If you are buying a home:

• Shop early, and look for insurance before you get preapproved for a loan.
• If you find a home, know your risk. Search a hazard map to avoid an uninsurable home or pricey insurance policy.
• Don’t put in a bid on a home until you know the home is insurable and the cost.
• Get that quote in writing.

Keeping your coverage is crucial:

• Do not let your insurance lapse.
• Do not be late on your bill. 
• Do not drop insurance for an increase. You may be required to get a home inspection and end up with costly repairs and no insurance.
• Ask your agent about renewals early and what to expect (increased cost, inspections, new carrier).

If you get dropped by a carrier, a non-renewal notice or can’t get insurance:

• Start looking for insurance immediately. 
• Call your agent and insurance company; ask why and if it’s fixable.
• Request it in writing; by law insurance companies have to give you a valid reason in writing. 
• File a complaint with the Department of Insurance if it’s not justified or if the company dropped you despite costly repairs. 

If you are buying a new car:

• Shop early, and shop around for insurance before you buy your car.
• If you’re adding a car, ask how long you have to wait to be insured.
• Get an insurance quote before you commit to the car, because the premium may make your monthly payment unaffordable. 
• Ask if there is a waiting period for the insurance.
• Do not drop insurance before registering a car to find a quote.
• Ask for detailed information about payment due dates.
• If you're a good driver and are denied insurance or dropped, file a complaint with the state Department of Insurance.

Please remember to always reply with updated mileage on your cars for a possible reduction in your premium, the less miles our clients drive, the less exposure on the road, the less the 6 month premium. ( We can not change mileage mid term during your renewal)

If you are on a monthly bill plan, please note that the first month of the renewal, Farmers will be collecting two months premium and then dividing the remaining balance over 5 equal payments for the remaining policy term.  

As always, we thank you for your business, loyalty and trust with your personal and business insurance matters.  Without our clients, family and friends, we have no business to operate.  Please call our agency with any other questions or concerns.  

Kindly, Glenn & Amanda Domingo, your agency for LIFE

December 2023

What a year it has been. We wish you and your families all a healthy and happy holiday season. We hope you have a wonderful time celebrating, reflecting, and goal-setting for 2024. 

Workout of the Month 

Warm-up:

Start with a brief warm-up to increase your heart rate and prepare your muscles. Perform each exercise for 30 seconds to 1 minute.

1. Jumping Jacks: Jump while spreading your legs and raising your arms overhead.

2. High Knees: Run in place, lifting your knees as high as possible.

3. Bodyweight Squats: Stand with feet shoulder-width apart and squat down, keeping your back straight.

4. Arm Circles: Extend your arms to the sides and make small circles in a clockwise motion, then switch to counterclockwise.

**Workout:**

Perform each exercise for 3 sets, with 12-15 repetitions per set. Rest for 30 seconds between each set.

1. **Push-Ups:**

   - Start in a plank position, lower your body to the ground, and push back up.

2. **Bodyweight Lunges:**

   - Stand with feet hip-width apart, step forward with one leg, lower your body until both knees are bent, then push back to the starting position.

3. **Plank:**

   - Hold a plank position, keeping your body in a straight line from head to heels.

4. **Bodyweight Squats:**

   - Repeat the bodyweight squats from the warm-up.

5. **Mountain Climbers:**

   - Start in a plank position and alternately drive your knees toward your chest in a running motion.

6. **Dips (using a sturdy chair or bench):**

   - Sit on the edge of the chair, place your hands beside your hips, and lower your body down, then push back up.

Cool Down:

Finish with a cool-down to stretch your muscles.

1. Forward Fold: Bend at the waist and reach for your toes, stretching your hamstrings and lower back.

2. Child's Pose: Kneel on the ground, sit back on your heels, and reach your arms forward, stretching your back and shoulders.

3. Chest Opener: Clasp your hands behind your back and straighten your arms, opening up your chest.

Remember to listen to your body, modify exercises if needed, and stay hydrated. If you have any existing health conditions, it's advisable to consult with a healthcare professional before starting a new exercise routine.

"Mocktails" Are In 

Alcohol is out in 2024, but mocktails are still in. Enjoy the fun and socialization without the nagging hangover or anxiety that lingers the next day. Here are three refreshing mocktail recipes for you to try:

1. Virgin Mojito:

   - Ingredients:

     - Fresh mint leaves

     - 1 lime (cut into wedges)

     - 2 tablespoons of simple syrup (adjust to taste)

     - Club soda

     - Ice cubes

   - Instructions:

     1. In a glass, muddle a handful of fresh mint leaves and lime wedges.

     2. Add simple syrup to the glass and continue to muddle to release the flavors.

     3. Fill the glass with ice cubes.

     4. Top it off with club soda.

     5. Stir gently and garnish with a sprig of mint and a lime wedge.

2. Tropical Sunrise:

   - Ingredients:

     - 1/2 cup pineapple juice

     - 1/2 cup orange juice

     - 1 tablespoon grenadine syrup

     - Ice cubes

   - Instructions:

     1. Fill a glass with ice cubes.

     2. Pour pineapple juice over the ice.

     3. Slowly pour orange juice over the back of a spoon or by drizzling it down the side of the glass to create layers.

     4. Allow the juices to settle for a moment.

     5. Drizzle grenadine syrup over the back of a spoon to create a sunrise effect.

     6. Garnish with a slice of orange.

3. Cucumber Mint Cooler:

   - Ingredients:

     - 1/2 cucumber, sliced

     - A handful of fresh mint leaves

     - 1 tablespoon agave syrup or honey (adjust to taste)

     - 1 tablespoon lime juice

     - Soda water

     - Ice cubes

   - Instructions:

     1. In a blender, combine cucumber slices, mint leaves, agave syrup, and lime juice. Blend until smooth.

     2. Strain the mixture to remove any solids.

     3. Fill a glass with ice cubes.

     4. Pour the cucumber-mint mixture over the ice.

     5. Top it off with soda water.

     6. Stir gently and garnish with a cucumber slice and mint sprig.

Feel free to adjust the ingredient quantities according to your taste preferences, and enjoy these refreshing mocktails!

Safe Driving 

Safe driving is crucial, especially during holidays like New Year's when celebrations are widespread. Here are some tips to ensure a safe driving experience:

1. **Plan Ahead:**

   - Plan your route in advance.

   - Check for road closures or events that might affect traffic.

2. **Designate a Driver:**

   - If you plan to drink, designate a sober driver in advance.

3. **Use Public Transportation or Rideshare Services:**

   - If possible, consider using public transportation or rideshare services to avoid driving under the influence.

4. **Avoid Fatigue:**

   - Ensure you are well-rested before driving.

   - Take breaks during long journeys to combat fatigue.

5. **Drive Defensively:**

   - Be aware of your surroundings.

   - Anticipate the actions of other drivers.

6. **Follow Speed Limits:**

   - Obey posted speed limits and adjust your speed to road conditions.

7. **Stay Sober:**

   - Avoid driving if you have consumed alcohol or any substances that impair your ability to drive.

8. **Eliminate Distractions:**

   - Put away your phone and other distractions.

   - Focus on the road and driving conditions.

9. **Buckle Up:**

   - Ensure that all passengers are wearing seat belts.

   - Use appropriate child safety seats for young passengers.

10. **Be Mindful of Weather Conditions:**

    - Adjust your driving to match the weather conditions.

    - Increase following distances in adverse weather.

11. **Watch for Pedestrians:**

    - Be especially cautious in areas with pedestrians, especially during celebrations or events.

12. **Report Drunk Drivers:**

    - If you see someone driving erratically, report it to law enforcement.

13. **Be Prepared for Emergencies:**

    - Carry a basic emergency kit in your vehicle.

    - Know how to change a flat tire and have the necessary tools.

14. **Obey Traffic Laws:**

    - Stop at stop signs, obey traffic signals, and follow all traffic laws.

15. **Stay Calm:**

    - Stay calm and patient in heavy traffic.

    - Avoid aggressive driving behaviors.

Remember, safety should be the top priority. Taking these precautions will help ensure a safe and enjoyable New Year's celebration for everyone on the road. Some areas even have free transportation for the New Year! 

Recipe of the Month 

Certainly! Here are a few New Year's Eve recipes to help you celebrate the occasion:

Appetizer: Bacon-Wrapped Dates with Goat Cheese

   - Ingredients:

     - Medjool dates, pitted

     - Goat cheese

     - Bacon strips

   - Instructions:

     1. Preheat the oven to 375°F (190°C).

     2. Stuff each date with a small amount of goat cheese.

     3. Wrap each stuffed date with a strip of bacon.

     4. Secure with toothpicks and place on a baking sheet.

     5. Bake for about 15-20 minutes or until the bacon is crispy.

Dessert: Champagne Cupcakes

   - Ingredients:

     - White cake mix

     - Champagne

     - Buttercream frosting

     - Edible gold glitter (optional)

   - Instructions:

     1. Prepare the cake mix according to package instructions, substituting champagne for water.

     2. Bake cupcakes and let them cool.

     3. Frost with buttercream and sprinkle with edible gold glitter for a festive touch.

Feel free to customize these recipes to suit your preferences, and enjoy a delicious New Year's celebration!

New Year, New Me 

Developing healthy habits is crucial for overall well-being. Here are 10 healthy habits that can positively impact your physical and mental health that we should take with us into 2024! 

1. Regular Exercise

   - Aim for at least 150 minutes of moderate-intensity aerobic exercise or 75 minutes of vigorous-intensity exercise per week, along with muscle-strengthening activities on two or more days.

2. Balanced Diet:

   - Consume a variety of nutrient-dense foods, including fruits, vegetables, whole grains, lean proteins, and healthy fats. Be mindful of portion sizes.

3. Adequate Hydration:

   - Drink plenty of water throughout the day. The general recommendation is around 8 glasses (64 ounces) daily, but individual needs may vary.

4. Sufficient Sleep:

   - Aim for 7-9 hours of quality sleep each night. Establish a consistent sleep routine to improve the quality of your sleep.

5. Stress Management:

   - Practice stress-reducing activities such as mindfulness, meditation, deep breathing exercises, or yoga to maintain mental well-being.

6. Regular Health Check-Ups:

   - Schedule regular check-ups with your healthcare provider for preventive screenings and to address any health concerns promptly.

7. Limit Screen Time:

   - Reduce the time spent on electronic devices, especially before bedtime. This can improve sleep quality and reduce eye strain.

8. Social Connections:

   - Cultivate and maintain healthy relationships. Social connections contribute to emotional well-being and can provide a support system during challenging times.

9. Mindful Eating:

   - Pay attention to what you eat, savor each bite, and eat without distractions. This can help prevent overeating and promote better digestion.

10. Continuous Learning:

    - Engage in activities that stimulate your mind, such as reading, learning a new skill, or pursuing a hobby. Continuous learning is essential for cognitive health.

Remember that forming habits takes time, so start gradually and make adjustments as needed. It's also important to focus on progress rather than perfection. Adopting these habits can lead to a healthier and more fulfilling lifestyle.

A Note From the Owner

We hope to start our Farmers Friendly Review process by the end of the 1st quarter again.  With all the industry changes, our agency has focused on client retention and service.  Without our clients, we do not have an insurance agency to run.  We appreciate each and everyone of our clients, friends, family and influencers and will continue to enhance and grow each one of these relationships in 2024.  As always, feel free to contact us with any insurance related questions or concerns.  We will have a better gauge on rate relief by the end of the 3rd quarter of 2024.  Thanks again for your kindness, support, loyalty and understanding as we navigate the instability of the California Insurance Marketplace.  

With Gratitude, Glenn and Amanda Domingo, your Insurance Agency for LIFE