May 2020

Lots of reasons to celebrate this month! From Cinco de Mayo to Mother's Day, Jen's 49th birthday and Memorial Day. We hope you are all staying safe and healthy and finding the positives through this unfamiliar time. There's still so much to celebrate and so much to be grateful for. We are thankful to still be operating with normal hours. We are here for you all; feel free to reach out at anytime.

Mother's Day 

Happy Mother's Day to all the mommas out there! This one was a special one to celebrate. Quarantine has definitely shown how much work our mom's do on a daily basis. We celebrated our mom, Juni (what we call her), with both my grandmother's. Started the day with a nice beach walk and coffee and donuts and then just relaxed by the pool for the day. Mom's you are the true heroes. We celebrate you this month and everyday.

Above is our Mama Fili.  The kindest person that my dad knows is what he says.  She has been a true example of grace to our family.  Nothing seems to rattle her.  She has dealt with so much sacrifice in her life.  She was the eldest of four children and started helping her family when she was 9 years old.  Her father, Andres Palma, my great grandfather on my dads side, left his family to properly immigrate to the United States.  Papa, as we called him, left his family for 13 years working in Hawaii to send money to his wife and four children until he was able to afford and petition for each of them to enter America.  Mama Fili assisted Mama Ludy, for those 13 years raising her younger siblings.  Her work ethic has been instilled in each of the Domingo kids.  It is nice having Mama Fili live next to us in her granny flat with Auntie Des.  There is no doubt that she makes the best lumpia filling and rolls each one by hand. Our family had a scare last year with a life threatening infection.  She still works hard in her life as she has to go to dialysis three days a week and assist with the living arrangements with her daughter.  Alexandra loves her heart and her kindness.  Addison thinks she is the best Filipino Cook in the world and I love her patience.  Remember to pay respect to your elders.  All they want is the best for us and I know she loves spending every second that she has with us.  I feel a sense of pride and confidence in the presence of my mom and my dad's mom.  Thank you to all the moms in my life that have given me gifts of love, kindness and material goods.  In any event, give your mom a big hug from the Domingo Agency.     

Happy Birthday, Mom! 

This month we celebrate Mom's 49th birthday! Our family and our business would not be the same without you. We see how hard you work for everyone else on a daily basis and want to just celebrate and cater to YOU for the day. Thanks for all you do day in and day out. We love you! 

My Dearest Jenifer,

     I can't think of how life would be without you.  From our first date on July 4th, 1993, we have been inseparable.  I still carry the letter you wrote to me on January 13, 1994, and wanted to share with the world the letter.  At your request, this letter was for my eyes only.  Someday, I know I will use it as a platform to Glorify our Lord and to give testimony to our marriage. 
     The one item I did want to share with everyone was your belief and faith in me.  That was the spark to the beginning of our relationship and marriage in front of God and the world.  The word BELIEVE is so powerful as it already for tells the accomplishment completed in the future.  Because of your trust in me to take care of you and Addison back then, I am able to accomplish many things to improve our family.  We were able to carry that belief in the raising of our daughters as well.  Look what they have done.  All three are believers, all three have undergraduate degrees with athletic scholarships, two have Masters Degrees and we have one business owner already.  Therefore, the belief I have in our Creator, His Son and His Holy Spirit, we can accomplish anything.      (Philippians 4:13)
     Now that our children are coming of age as they select the person in their lives to be life long partners, not to soon and not to quickly, I pray daily that they too are equally yoked spiritually, physically and mentally.  I do this in honor of Him and in honor of you.  Having a belief that they are chosen and that they choose the right partner is the most important decision they can make aside from their salvation.  Let us continue to be good examples of two people that do not agree on everything, but have understanding that each of our thoughts and opinions are our own and that each thought matters.  Thank you for all you do for our family, for your family, for our friends and for me.  Thank you for sharpening me with your love, with your accountability and with your love of our God and children.
     My final words of this letter, as I have said before, is putting God before me.  I hope and pray that our Lord reveals to you a passion of service and purpose in your life aside from our immediate family.  You have done a wonderful job with Addison, Alexandra and Amanda.  The world deserves that love you share and I know you will do a great job in what ever comes your way.  Keep the humor going forever and your mystery of quietness as we continue this journey of life.  You will always be that beautiful tan 22 year old I met on July 4th 1993. 

With kindness, love and admiration, Bingo.

Restaurant Review 

Still trying to support our local businesses during quarantine. This month I have decided to feature: Las Olas! Cinco de Mayo themed and they have to go margaritas which is tough to turn down. They are open daily from 11:30am - 7pm. Located downtown Carlsbad, it is the perfect spot to grab a couple of margaritas, some chips and guac and head toward the beach for a sunset cruise. Super great service, everyone is super friendly and they are quick! Maybe grab some takeout for your next Taco Tuesday!  Remember to keep it local and support our Carlsbad Restaurants.  The owners are all friendly and laid back.  They compete to keep up with their neighboring restaurants.  They sharpen each other.  

Quarantine Updates 

Lex has been in New York since the quarantine started. With her online teaching and travel bans lifted she was able to come back to California for a few weeks. Although this quarantine is not ideal, it has brought me and my sister back to California and we can not complain about that! Addison is still in Pittsburgh and currently is moving into a new place. Lex will eventually return to New York, and I will be staying back in California. I am SO grateful for the opportunities New York has brought me and I am excited to be going back to school so I can get my teaching credential. For now, we are enjoying the time together and definitely enjoying the recipes Chef Lex has been whippin' up. 

Quarantoned! 

10 MINUTE BLAST 

Everyone has 10 minutes a day. Here is a quick 10 minute workout you can do along side your work from home, out at the beach, or in your home workout space. Complete each exercise for 1 minute then move on to the next exercise.  Remember to hydrate though out the day and always keep in mind balance.  

1. Squats 

2. Reverse lunge (right) 

3. Reverse lunge (left) 

4. Sumo squat 

5. Mountain climbers 

6. Shoulder taps 

7. Push ups 

8. Bicycle crunch 

9. Leg raises 

10. Russian twists

A Note from the Agency Owner

As we slowly return back to an open economy and socializing, please keep in mind the respect for others.  Others might be scared and frightened of catching Covid 19.  That is ok.  Respect our fellow neighbors and persons.  Because of the quickness and dramatic changes to our normal lives, it will take time for people to trust our society and each other.  That is ok.  Try not to judge how people are dressed with their face mask and protective gear.  We all have a self preservation mechanism withing us and that is ok.

If you have been blessed with keeping your job or business, release the good vibes back to this world by giving your time, talents and treasures to improve our society.  To often we get caught up on surviving rather than thriving.  Thriving is an attitude we all have within us because it is a matter of passing positive energy, thoughts, prayers and acts of kindness to others.  We all can share.  Thriving is not just material.  Again, we are here and there to assist you with your non profits and the first responders.  Just Ask. 

Be Safe, with kindness and gratitude, Glenn P Domingo and Amanda N.A. Domingo, your bloggers from the Best Coast.  

April 2020

Happy Earth Day

We hope everyone is staying safe and healthy at home. We are grateful to all be healthy and blessed to be able to provide our services for each and every one of you. Alexandra and Addison are still on the east coast. I decided to come home as soon as news broke in New York that we might be on a lock down. I did lose my job and have been able to stay busy by creating my own brand which is kinda cool. We understand times are tough right now, but it is a great time to slow down and realize what is really important in your life. We hope all of you are staying safe, staying healthy, and staying home. We look forward to re-connecting face to face when we can.

Today Specifically, is the 50th Anniversary of Earth Day.  What is it :

The State of the Earth Report is a data-driven portrait of US air, water, and environment. Celebrate the 50th Earth Day by staying informed on the biggest environmental issues. Unbiased government data. Our nation, in numbers. Non-partisan.

Here is a link for the data.  The State of the Earth by the numbers:

https://usafacts.org/earth-day-facts/?gclid=CjwKCAjw1v_0BRAkEiwALFkj5qIYCaptmcoFYgoOMzM_AB8Ll2Wl5qv_luO-fi3JNoyMYKHzotjPCBoCeaQQAvD_BwE

Know that the world is resetting the Earth because of the reduced usage of fuel for commerce, transportation, and vacation, many areas around the world are seeing improvements with clearer water, smog free views, and regeneration for some of our eco systems.  Lets stay positive as we are Staying at Home and learn lessons on how we can preserve our planet for generations to come. 

Easter at Home

Definitely an Easter to remember at home. It was not the typical church at the beach and brunch in the Domingo household. We watched church online at home, went for a Sunday afternoon walk, and cooked dinner. Mom did make me an Easter basket that took me an hour to find HAHA. I blamed it on the fact that I just moved back home and I am not too familiar with the house. The importance of Easter to our family is the root of our Faith.  The Creator coming down in human form living with us and sacrificing His life to pay for our sins in order to have an eternal spiritual life.  I know my father and mom truly believe this Faith has saved, grown and blessed our family.  We hope you enjoyed your Easter and or Sunday this year. 

It's Bananas During This Time 

Baking and banana bread have been especially popular during this quarantine. I have always LOVED bananas and of course I had to make my own "healthier" version of banana bread. It is super easy, a great pre workout bite, dessert, and only 4 INGREDIENTS.

-4-5 ripe bananas
-2 C rolled oats
-1 C nut butter (I love almond butter!)
-1 C chocolate chips (I use Lily's dark chocolate bar and chop it into small chunks!)

Pre-heat the oven to 350 degrees. Lightly grease or spray (I used parchment paper to line) a 9x5 loaf pan.
Throw bananas , oats, and nut butter into a blender. Blend until the consistency is smooth enough.
Pour in the desired amount to chocolate chips and stir to mix into the batter.
Pour mixture into the baking pan. I like to top it off with extra banana slices and chocolate chips!
Place in the oven for 25-30 min.
Enjoy with a glass of almond milk! 

Take Out 

Coming from a family of a small business, we are very fortunate to still be able to work during this time. We are trying our best to support the local Carlsbad businesses during these tough times. Here are a few of the local shops and businesses that we have been ordering from.  Below are links to their on line ordering

Board n Brew

I suggest the "Turkado"!Super yummy, I always get it on a gluten - free wrap, no mayo, no cheese! Another healthy option is always their green salad. Nutrient dense, protein packed and super filling! https://boardandbrew.com/





Mikko Sushi 

Conviently located right down the street from us, we are regulars at this place. Sushi is one of my favorite foods! They have a killer salmon skin salad that is enough as a side to feed my dad, my mom, and I. Also a big fan of the Carlsbad and the protein roll!  http://www.mikkosushi.com/








Baba Coffee 

I have been doing something on Snapchat called "coffee reviews" as a small way I can help small businesses in the area. It sprung because one of me and my sister's favorite things to do in New York is walk around the city and get a cup of coffee on the weekend mornings. I took this back with me to Carlsbad and started visiting local shops here then rating them on taste, texture, and temperature. Baba Coffee got an overall 7.4 rating!  https://babacoffee.com/

Our Current Watch List 

-All American (Netflix) 

I got super into this show and binge watched in like 3 days... 

-Billions 

My mom loves this show! Think about big New York money here. New season is coming soon so a great time to get up to date. 

-This is Us

A true family show. Always gets me in my feels.
-Grey's Anatomy

Contains 15 seasons. My dad is not a huge fan of this drama, but my mom and I have been able to watch every night. I re-started this series because I knew it could last the whole quarantine with the hundreds of episodes.

Don't Stop Movin' 

Just because the gyms are closed does not give you an excuse to Netflix and chill the entire quarantine. It is good to get up and move even if you are working from home! The benefit is you get to roll right out of bed and workout in the comfort of your own home. 

Check out my Instagram @kiki.domingo for some workouts that can be done anywhere with no equipment necessary.

I have attached a link below for you! Give it a try, tag me, and #KickItWithKiki.

Workout with me!

A Note from the Agency Owner and Farmers

We understand that this pandemic will have short and long term financial stress on our clients, family and friends.  We are here to help.  If you have any non profit organizations that need assistance with up to $133.33 per organization that is aiding with the the supplies or food for our communities, please reach  out to us, we are here to help.  If you are having financial hardship with the payment of your monthly insurance premium, let us know so we can defer payment, not charge for late fees and see if we can adjust coverage to save premium dollars, we are here to help.  Our auto insurance clients will be seeing a 25% reduction in their auto premiums for the month of April.  It will come in the form of a refund, an adjustment to your bill or a credit, we are here to help. 

More than 115,000 Business Insurance Customers Will Receive a Premium Reduction Over the Next Two Months - Updated (April 10)

With many small businesses struggling as a result of customers staying home, on April 7 we first announced that Farmers^® will provide additional relief to more than 115,000 of its Business Insurance customers under its Farmers Cares Premium Adjustment initiative. Business customers in the restaurant, office, retail and service sectors across the country will receive a 20% credit on applicable monthly prorated premium on their Business Owners Policy (BOP) for the next two months on their upcoming premium notices, with a minimum credit of $20 per month for the smallest policies.

As always, we would not have a business without you our clients, friends and family.  Because of you, Jenifer and I can keep our business door open.  Because of you, we have purpose and meaning with our career.  Because of you, we want to do our best in servicing and offering the most competitive insurance package for you and your family.  Looking forward to seeing you in person soon. 

Kindly,  Glenn & Amanda Domingo, your Agency for a Lifetime. 

March 2020

Truly a "March Madness" in 2020

As we all try to cope with the Corona Virus, isolation, abundance of time and fear, our hope is that this event will quickly pass and our lives return back to normal.  This event will certainly change the way our consumers and industry will conduct business in the future.  My favorite method of conducting business is face to face.  If you do have the technology to face time, skype or zoom, let us know and we will accommodate.  Many of you already enjoy talking on the phone or like to conduct business by email, fax or text.  We will be linking our toll free number to texting by the end of the month.  Our agency is open to protect you and give you peace of mind.  We are praying daily for our family, friends and clients that the impact on our economy is not to much of a burden on you.  If you find your policy in a Notice of Cancellation, please call and we will apply for an extension.  Remember, our agency would not be in business without you, our client.  You are the lifeblood of our agency.  Enjoy the read from Amanda "Kiki" Domingo and me.  God Bless you all.


Already marching into Spring time! It feels like yesterday, we were just home for Christmas break. Excited for the weather to warm up here in New York. Lexie and I have been keeping busy and really trying to work on some new recipes to share with you guys. We both have transitioned into some newer roles at work and are excited to continue to work on our health and fitness. Lexie took a visit home this past month and we are looking forward to getting some San Diego sun in the future. Don't forget to spring forward and get to sleep a little earlier!

Restaurant Review 

The Plot - Plant Based 

My parents went to a new restaurant based in Oceanside, CA this past week. They are not plant-based, but are interested in exploring it and the health benefits that it can offer. The Owner and Chef of the Plot, Davin Waite write up is below.

Davin Waite began his career as a sushi chef at Ichiban in Santa Barbara under the instruction of Chef Hiro, a local legend and master of sushi as well as French and Italian Cuisine.  Back in North San Diego County Davin continued on to Cafe Japengo, and in 2003 he returned to his hometown of Oceanside to co-find The Fish Joint.  With his next project, Davin created a restaurant in his own image; scrappy, irreverent and constantly pushing boundaries.  Wrench & Rodent Seabasstropub began as a pop-up, but quickly became a destination for those who appreciated Waite's creative and delicious approach to minimizing waste and celebrating local and sustainable sourced products.  Waite aims to stay in a state of consistent innovation and creation in order to teach and inspire.  Davin has taught sustainable cooking techniques to elementary students, culinary students and city officials.  He has spoken on panels on topics including the underutilized species and sourcing from local farmers.  In 2017 Davin was a keynote speaker at the California Resource Conference, where he broke down a whole fish on stage to demonstrate how each part can be used to make delicious menu items, down to the ribs, skin and marrow.  Waite's menus reflect his values as he continues to evolve as a chef and as an advocate.  Waite has continued his culinary evolution in the direction of plant based cuisine.  He gives veggies the respect they deserve in a playful and creative way, and welcomes the challenge of creating stunning and delicious culinary offerings with plants.

If you are looking for some healthy alternatives, something new to try, or are a plant-based eater yourself, give The Plot a try. Below is a link to the menu if you want to check it out! Mom says don't miss out on the Mint Mojito Kombucha! 

https://theplotrestaurant.com/wp-content/uploads/2020/02/plot-dinner.pdf

Shrimp "Fried" Rice 

We are always looking for alternatives when it comes to health and cooking. We made this super simple, quick, and tasty cauliflower fried rice as one of our meal preps this week. Takes only 20 minutes and is a great healthy alternative.

Ingredients: 

1 bag riced cauliflower 

1 bag frozen mixed veggies 

1 bag small shrimp 

1tbsp coconut aminos (soy sauce alternative)

       

How to: 

Heat cauliflower over skillet until it almost becomes clear. Add the mixed frozen veggies and allow to simmer until cooked. In another pan, cook shrimp for 5-7 min. Add the coconut aminos to the cauliflower and mixed veggies. Once the shrimp is cooked, mix in the pan. Feel free to add some hot sauce or red chile flakes for a little extra spice! 

Spring Cleaning

Lex and I have been making a cautious effort to stay on top of our cleaning habits. We try to clean out our things seasonally. Here are some tips we try to follow to keep our teeny tiny apartment looking in tip top shape! 

1. Do the dishes as soon as you make food. Allows time for digestion and you don't have to deal with the pile up! 

2. Wipe the kitchen and bathroom counter down as you go, 

3. FOLD the laundry when it is done. We are definitely bad about this one. It saves so much space to just fold when your clothes are dry. It also saves time when you are looking for a particular shirt you "swore you washed..." 

4. Get rid of the clothes you're saving for that "one time". I can bet, you'll probably never wear it. There are plenty of places to go donate. Some like H&M even will give you 15% off your purchase for trade ins! 

5. Keep fresh food in the fridge. We try to clean the fridge out every week when we do our grocery shopping. This keeps us only buying what we need and fresh foods.

International Women's Day 

On March 8th we celebrated International Women's Day. Just want to give a shout out to all the hard working women out there. Especially to our own mom who puts so much time and effort into this business and our family. We would not be able to accomplish half of the things we have without her endless support and wisdom. Make sure to give all the women in your life a little extra squeeze, we don' thank them enough.

A NOTE FROM THE AGENCY PRINCIPAL, BACK TO THE BASICS

Do you have the opportunity to speak to your Personal Insurance Adviser when you have a potential claim or need assistance ??  Can you reach your Personal Insurance Adviser by their cell phone ??

I ask these questions because with our agency at Domingo & Associates, FARMERS, we offer the time you need on a personal professional level to understand the claims process.  Some questions that arrive at the time of a potential claim are:

1.  Is this incident a covered claim ?

2.  How will this potential claim effect my future premiums ?

3.  What impact will this claim have on future insurance if I want to sell my property ?

4.  Should I self insure this claim ?

5.  Should I place this claim with Farmers or the other insurance Company.  

As consumers, we should know what the impact of a potential claim will have on my future insurance premiums, if the claim is covered, and what to do.  The language used and the claim  properly explained to your insurance carrier can have a very large impact on your insurance premiums or if the claim is covered without having to appeal.  Terms like water loss, collision claim, comprehensive claim, sudden and accidental discharge of water, and many others can determine how the claim is defined.  We have been in business for over 23 years and have found success because of personal and honest relationships with our clients.  Having access to communicate with your trusted insurance adviser is a cornerstone of our practice. 

Even if you are not our client, we appreciate the opportunity to educate and legally advise you on the aspects of claims.  It is our goal and ambition to become Oceanside's Elite and Best Farmers Insurance Agency.  Remember, our advise is free.  Give us a call at (866) 486-FARM.  Be safe and well during this time.  Kindly, Glenn & Amanda Domingo.

February 2020, The Farmers Insurance Open and 26 Years with Jen

Domingo & Associates, FARMERS Insurance Your 

Agency for Life 

Can't believe we are already a month into the new year. January brought new goals, a quick trip back 

home, The Farmers Open, belated Christmas celebration, and new opportunities. This month my parents will be celebrating their 26th wedding anniversary with a trip to see my brother in Pittsburgh, and my sister and I in New York. We  look forward to having some visitors for some time. 

Lex is looking forward to escaping this winter cold as she plans her trip back home for Ski Week at the end of the month. We have some Valentines Day suggestions for you, new healthy recipes, our monthly restaurant review, a fat blasting workout, and tips on staying healthy while traveling. Hope 

you enjoy! XOXO 

SHORT AND SWEET 

I was fortunate enough to plan a quick weekend getaway home to attend the Farmers Open & to just get out of the city for a little bit. There's no amount of stress that a quick look at the ocean and a hug from mom and dad can't cure. It was so relaxing and nice to see my family and friends as always. I also happened to be home when we were celebrating our very belated Christmas celebration with my dad's side of the family, the heir of Fanners Insurance. The trip was way too quick, but don't worry I'm already planning my next one back the the b(w)est coast. 

FARMERS INSURANCE OPEN, a 9 year tradition

I was finally able to come home and experience the infamous PGA Farmers Insurance Open held at Torrey Pines. lt's such a cool environment and not a bad way to experience my first golf tournament. My dad invites his clients and some of his closest friends from all over the US to come and enjoy the event with him. I was of course most excited to see Tiger Woods. The tickets are a hot item every year and now I understand why. Below are some pictures highlighting the event. Our agency has been attending for the past 9 years and is a great way to thank our clients and friends. To the right is Eric Wiltfong, high school friend, college room mate, client and successful business owner. Also in the photo is our friend from Washington Bryan Lee. Boy did we share good times in high school. Thanks to Farmers Insurance for hosting such a great event, we look forward to it every year!

               

RESTAURANT REVIEW 

Now, some may argue that ice cream isn't a meal and this isn't a restaurant, but it's something you don't want to miss out on! Handles Ice Cream is fairly new to the city of Carlsbad, and it's getting just as much buzz as the location in Encinitas, where the line wraps around the building. They have SO many flavors and options, but each one will not disappoint. The perfect sweet treat to top off your evening or a quick treat if you are walking around the village or down by the water. 

GIFT GUIDE FOR ALL 

Whenever I'm stuck and don't know what to get someone for a holiday or special occasion, these are my go to questions. I've been pretty known for being a decent gift giver. Go through this check list if you are struggling for the "perfect" gift. 

1. What's something they wouldn't buy for themselves? 

2. What are their favorite hobbies? 

3. Gift or activity? 

4. Make it thoughtful. It doesn't matter if it's the most extravagant gift or a piece of cardboard as long as there is a story behind it, they are bound to love! 

5. How much time do you have to get the gift? 

ENERGY PROTEIN BITES 

Running around in the city from one job to the next is no joke. Fueling right is so important so I can perform my best. I have always had digestive issues and sometimes grabbing something on the run isn't always the healthiest nor does it sit well with me. When I was home I decided to throw some simple, quick, easy ingredients together and came out with a pretty good quick snack to have on the go, before/after a workout, or as a sweet guilt free dessert. 

Ingredients Needed:

2 scoops Protein of your choice (I use RAW Vanilla) 

I cup gluten free oats 

IO pitted dates 

1/2 cup chopped almonds (or any nut of your choice) 

3 tbsp melted coconut oil 

1-2 tbsp ground cinnamon 

2-3 tbsp almond butter (or any nut butter of your choice)

How To: 

1. Soak dates in hot water for 5-10 min. This will make it easier for food processor to blend.

2. Blend dates with a splash of water. 

3. Add almonds and blend together. 

4. Add melted coconut oil & almond butter. Blend. 

5. Add protein and oats. Blend. 

6. Take mixture out of food processor and place into a bowl. 

7. Knead mixture with your hands until mixed to your preference. The mixture should stick together and be kind of thick. 

8. Separate mixture into little balls, then flatten to create small cookie like shape. 

9. Refrigerate for I 0-20 min. Store in refrigerator for up to 5 days. 

Dad's Way: 

Dad takes his protein bite topped with peanut butter and a sliced banana on top for his sweet afternoon pick me up! Give it a try! 

FIT FOR ALL 

Here's a quick core blaster that I like to finish my workouts with. No equipment is necessary! Complete each exercise for 30 seconds with no rest until you finish all 4 exercises. Rest for 30 seconds - I min, then repeat 3-4 times. Enjoy the bum! 

1. Reverse double crunch 

2. Bicycle crunches 

3. Leg raises 

4. Sprinter sit ups 

TRAVEL TIPS 

Traveling can be stressful to some. Some love it, some hate it. Here I have included what I do to make traveling as seamless as possible. Hope it helps! 

1. Create a checklist. I physically write out things I know I will need but will either forget, or need to use up until travel time. Once it's packed and put it away I cross it off the list. 

2. Bring snacks. I hate spending money on everything mediocre at best and over priced at the airport, so I always make sure to pack some healthy snacks like fruit, nuts, and protein bars to hold me over. 

3. Stay hydrated! Bring an empty water bottle. There are a ton of fill up stations throughout the airport. I hear you are suppose to drink the amount of time in the air in liters to stay properly hydrated while traveling. 

4. Keep sanitizer handy. It's always flu season when traveling. Always stay sanitized and bring some wipes to wipe down the arms of your seat and tray table. 

5. Bring older headphones. The head phone jack on most tv screens for the planes only have the older plug for the iPhone 6. 

6. Place your wallet/boarding pass in the same spot. Never have to stress about where it is or if you left it somewhere. I also recommend putting it right back after security checks your ID. 

7. Pack smarter. We all know we're allowed one carry on and small handbag. I will say it's nice not to have to check bags, but when hoping on and off planes and transferring it makes it so much easier with less stuff. I ALWAYS over pack and make this mistake. 

8. Take a lap. If time permits, walk around the airport instead of sitting down for an hour before your trip. All you do on the plane is sit anyway. Get some steps in, stretch out your legs, and try to move a little before your Apple Watch goes off and reminds you how lazy you've been all day. 

A NOTE FROM THE AGENCY PRINCIPAL, BACK TO THE BASICS

As I ponder on how to improve our agency service, sales and relationships, I recently studied a book called Agents of Change. As I started my career, I learned and through time I became an expert in my field. In fact, every two years every agent within Domingo & Associates, FARMERS, needs to log in many hours of continuing education in order to maintain a valid California Insurance License for both property and casualty and life and health. 

To this point, I will have a clear vision in 2020 providing tid bits of knowledge I share with my referral partners and clients. 

"When can I be in an at fault accident and not effect my insurance rate?" 

I share this story often because of the validity and personal experience Jenifer and I shared in the Summer of 2007. Jenifer had three at fault accidents that summer. Thank God that there were no injuries and not to bad of damage. Thank God that each of the accidents were less than $1000.00 in payout by FARMERS. 

Below is an Article segment from NerdWallet:

In California, for instance, most accidents and minor violations stay on 

your driving record for three years. Accidents involving more serious 

violations stay on your record longer - 10 years for a DUI conviction. 

Even if you weren't at fault, an accident must be reported and wi(( 

appear on your record if property damage was more than $1,000 or if 

anyone was injured or died, according to the DMV. 

As you read the above, the insurance company needs to pay more than $  1,000.00 to make the claim chargeable. If the accident is less than $ 1,000.00 but, does have bodily injury claim on it, you must report and the incident will remove your good driver discount. For this reason, we are your trusted adviser. Please call our agency to discuss what will happen to your rate if you do have an at fault accident that either causes$ 1,000.00 or more in payout or has bodily injury. A payout includes any expenses that Farmers has to pay including reports, rental car reimbursement and or repairs. 

January 2020

Happy New Year! 

So much has happened in 2019, the good, the not so good, and all the changes that have come this past year. I feel like this year actually flew by.  I look forward to the beginning of  a new decade as we close one chapter it is always exciting to start fresh and new. Some big highlights for me personally in 2019 included officially playing collegiate softball in my senior year injury free, graduating with my Masters in Exercise Physiology, landing my first job out of college, and getting my first apartment in NYC with my sissy.  In 2020 I hope to move back to California with my family, travel more, and find my career path. We wish you all a safe and happy new year. We can not wait to see what the new year brings each and every one of you. To a year full of health and happiness, cheers to 2020! 

Christmas at the Domingo's 

Amanda, Mama Fili, Lexie, Mama, & Addison X-Mas 2019 

For the past 18 years my parents have hosted the family Christmas gathering at our house. It is always great because we don't have to drive or sit in traffic, but the preparation is no joke. The classic meal includes a plethora of sides and desserts along with prime rib and my personal favorite cedar plank grilled salmon. The night is full of wine and dining, reminiscing and celebrating with everyone. Below are a few pictures from our Christmas party this year. 

Cousins, Aunt Nancy, Amanda & Lexie 

Amanda, Glenn, & Lexie 

Jenifer & Lexie 

Christmas Morning 2019 

Restaurant Review - Westville, New York, NY  

Westville - Brooklyn, NY 

Although Lexie and I want to save money and try not to eat out as much, we can't say no to our favorite spot, Westville. Casual place to dine for breakfast, lunch, or dinner. It never disappoints. My favorite item is the kale salad while Lexie enjoys the salmon salad. They have amazing yucca fries and baked sweet potatoes that we have to get every time. They always have a seasonal menu so you know all the food is fresh and delicious. They have multiple locations in NY and I can't wait for them to come to San Diego some day.

Goal Setting 

The new year typically brings lots of resolutions, goals, and motivation for change. But, did you know that at least 80% of resolutions fail?  We all should call the same goals and resolutions we plan year after year, New Years Revolutions.  They revolve year after year without accomplishment.  Here are a few tips to keep you motivated beyond the new year hype.

1. Write down your goals somewhere you will visibly see them every single day.
2. Have a partner to hold you accountable.
3. Decrease the distractions or things keeping you from your goals.  Manage  your time wisely.
4. Have a weekly check - in with yourself.  Be honest about your weekly progress.
5. Remember the bigger picture.  Continue to remind yourself why you chose these goals in the first place.

Our Trip Home

Winter Sunset - Carlsbad, CA

Christmas Eve Service at New Song Community Church Carlsbad

We were lucky enough to all come home for Christmas this year. My brother, sister, and I haven't all been home at the same time in over a year. Although Lexie and I do live together there is something special about being back in our hometown. We had fun hanging out with mom and dad and were even able to get a few workouts in together. It has always been known that I am a California girl and this trip did not disappoint.  Addison brought his girlfriend and business partner, Arianna, to visit as well.  The weather was beautiful as usual and we were able to enjoy our beach walks, acai bowls, and precious time to spend with friends and family. See you soon Carlsbad!

Our Beagle, Bay 

Aunt Sue, The Dog-Sitter 

Bailey the Beagle 

Lex & Bay 

Bailey, our family beagle for 16 years has passed on Friday January 3rd. Bay was known by everyone and had such a big personality for a little doggie. We were fortunate to have her around for so long, and to have a dog growing up with us really taught responsibility. She truly lived a long and great life and we are going to miss her beagle bark for food, long walks to the beach, and the way she cuddles up in a little ball by our feet every night. Although she was stubborn and seemed to always get onto the dinner table, yes on top of the dinner table, she was well loved.  We raised her since she was a pup.  Dad says he still calls for her and that the house is very lonely without her.  My goal someday is to own an English Bull Dog.  I wrote it down and I see it everyday.  Hopefully mom and dad agree.  But for now we mourn our pal Bailey the Beagle.  RIP Bay Girl, we love you.

A Year in Review 2019

As always, thank you friends, family and clients for trusting our family insurance agency to assist in protecting your home, autos, investment properties and lives.  Thank you Amanda for the wonderful writing above and for the time and care you take each month.  Many of you already know we do insure most personal and business items.  For the concerned clients about retirement and savings, we do also insure your savings and hard earned cash with an insurance product called an annuity.  Let me, the agency owner, educate you on how this product works.  We can conduct a Farmers Financial Review in order to understand the pros and cons of owning an annuity.  This service is free with no obligation.  Visiting and seeing you in person is a bonus for me and our team. 

More importantly to me is an explanation to you on how our industry is taking shape for the near future in California.  Home insurance rates will continue to rise in order to keep pace with the past and probable claims related to wild fires.  Our Governor has placed into effect that no insurance company shall cancel or non renew a home policy because they are located adjacent to high brush area exposure.  This will be in effect for at least one year.  Wild fire claims not only effect the home insurance segment of our industry, but also our auto and business insurance segments.  Premiums will rise because insurers are forced to have products to assist the home insurance and home sales markets.  In order for companies to project profitability and enough funds and security to pay claims, the insurers of California will have to collect more premiums to stay solvent.  Please take time to research cost of home insurance in places like Texas and Florida.  California is a wonderful place to live and raise a family, but we do pay a higher premium living in a State that has earthquakes and wildfires.  Also trending upward are auto insurance rates.  For the past few years I have been educating our clients on the increasing cost of auto repairs because of new technologies.  Smart glass, cameras on bumpers, and the liberal use of total loss vehicles has driven auto premiums upwards.  Now that the economy is robust, more driving and more exposure to accidents is trending for premiums to increase. 

The real estate and lending industries are being effected by increasing premiums as well.  Many potential home owners are not closing on escrow if their debt to income ratios are tight because the annual home insurance premiums will place them out of the lending guidelines.  We are here to assist with quotations and options for potential homeowners in these areas as well as non high brush risk areas.  The more information our prospects and clients have, the better decision they can make for probably the largest investment of their lives.  Again, utilize me and my staff to get home insurance rates prior to going to the negotiating table.  If you or your friends and families have any questions, concerns or up to date relevant news regarding the above issues, please reach out.  Our toll Free Number is 866-486-FARM.  You can also email me at gdomingo@farmersagent.com.  Thank you once again for your eyes and ears. 

Happy Roaring 20's Clients, Friends and Family, your bloggers from the East and West Coast,


Glenn & Amanda Domingo