October 2018

October Blog
Fall Fever

Happy October friends and family! We are excited to welcome in the fall season and the cooler weather.  I am writing to you all from Brooklyn, New York.  Although I am no longer in California, I am learning and developing life and business skills and I'm here online to share some October news with you.  

Farmers News

As a lot of you know, our agency is very involved with the local middle and high schools in Carlsbad, CA.  At the start of the school year, we began planting and harvesting from our garden project with the Calavera Hills Coyotes.  A while back we donated some supplies and helped build a small community garden with Mr. Bob Burns's 2nd graders.  Since my move, my mom and dad have been taking care of our Calavera Hills School visits and photos.  Seeing them makes me really appreciate them, and our small community in Carlsbad. Here are some pictures of the most recent visit with the elementary Coyote's.

Recipe of the Month

Here in Brooklyn, the temperatures have finally dropped and I'm experiencing my first fall. I know back in California it's probably sunny and warm... but this fall drink is good for you no matter where you live.

Golden Milk Elixir:  There are several versions of this drink, and it's been all the hype for a couple years now.  I swear by it.  The ingredients create a warming drink that looks gold and shiny.  You can sip it throughout the day or have it as a night time treat.  Because it's homemade, you can really add or subtract whatever ingredients you want!  Here is my go-to golden guy...

• 1 -2 cups non-dairy milk (I use unsweetened almond or make my own hemp milk) 
• 1 - 2 tsp. turmeric 
• 1/2 tsp. ground ginger ( or thinly sliced fresh ginger)
• stevia to taste, or maple syrup (for sweetness) 
• cinnamon to taste 
• Just heat all these up in a small saucepan and stir often.  You can add in coconut butter or oil to make it super rich and creamy, or collagen to get that latte feel. This is such a great dessert drink when you add in the natural sweeteners! 

Fitness News 

The youngest Domingo has been working hard to get back on the field for her senior year of softball.  Although there are still challenges ahead, we couldn't be more proud of her tenacious spirit.  Amanda continues to excel in her field of exercise science.  She took on an internship with Verizon Wireless' corporate office as a personal trainer intern this semester.  She's leading private sessions with the employees and group classes like spin, yoga, and HIIT.  Her favorite health tips for the change of seasons are...

• stay hydrated!
listen to your body: if you are feeling under the weather, do not push yourself, it's your body saying I need a break 
• Meal prep! The last thing we want to do when we're tired from a long day is cook a meal and do all the dishes too. Plan ahead and be prepared. One pot meals are great for cold weather too!
• Walk.  If you sit during the day, take a walk break. 5 minutes is better 0.

Kora Fitness

I recently became apart of the Kora Fitness team.  Kora Fitness is an athletic clothing brand that has a mission that goes far beyond the gym.  With every purchase, a portion of the proceeds is donated to one of four charities.  As you check out, you are personally able to select which charity to give to! This brand is giving back in several ways and I am excited to be a part of it.  With my discount code, alexandra15 , you can be apart of the movement too (you save 15%!!!).  Click this link to shop. Get yourself some new gym wear, and give back to those in need while you're at it.  They just released their seamless collection this month and it is amazing!  Guys stuff too.  Give it a try and let me know what you think.  Thank you, xoxo Lexie

Family Fun and Commitment of Love 

This year was Randy and Beverly Fruechting's, aka, Mama' and Pop Pop, 50th Wedding Anniversary.  The family celebrated the momentous occasion with a nostalgic gondola ride in Belmont Shores and dinner afterwards on 2nd St. Although they have been together much, much longer than that, 50 years of marriage quite a testament to their love and commitment to each other and have been a wonderful example in our marriages.  Here's to many more!

Remember that marriage and life are marathons, there will be hills, peaks and valleys.  Just know that you climb and go longer and farther together.

Restaurant Review 

National Thai - located in Brooklyn, NY on Fulton Street

National is a small, cash only thai eatery.  It's tucked away, so hidden you might miss it if you're walking on the busy Brooklyn streets.  This place is a gem! They have the best red curry sauce and such a fresh thai salad your mouth will water.  The ambiance is nice and very relaxing, it's a calm place for being in such a crazy city.  My all-time favorite food is curry, so of course, my all-time favorite dish from National is their red curry.  I always ask for extra veggies and no rice with my dish, and they don't charge extra. Their specials change all the time, so there is something new to experience almost every time I go.  If you are ever in the neighborhood or are visiting me or sissy- we'll take you here! You truly can't go wrong.

Ample Hills Creamery- located in Brooklyn, NY (many locations)

An ice creamery that will take your breath away.  Ample Hills was founded in the spring of 2011 by Jackie Cuscuna and Brian Smith.  Ever since the opening, they have been selling out of flavors daily.  Each flavor has something different and dreamy to offer. They have vegan options too! My favorite flavor is the Vegan Chocolate, but Gowanus takes a close second.  You can get sundaes, scoops, pints, the choices are endless.  Your stomach will hate and love you all at the same time.  You can even order online if you're a mega foodie with a strong sweet tooth. Some flavors are seasonal, and all are fan favorites.  Next time you're in Brooklyn stop by the Ample Hill on Nevins Street. Roof top ice cream bar that never disappointing, 

5 most Expensive Cities in the World & City Traffic 

Carlsbad has it's pricey places. The nice restaurants, entertainment, alkaline water... it all adds up.  And rent is not cheap nearly anywhere these days.  After moving to New York I miss those pricey Carlsbad places. I miss the simplicity of life Carlsbad lives by.  New York is expensive, it's no secret.  But after reading this article, I found out the 5 most expensive cities to visit in the world.  Take a look!

Along with the most expensive places to visit, I also wanted to see which cities had the worst traffic.  I sat in a car for three hours on Monday in order to travel 70 miles from upstate New York to Brooklyn.  LA traffic is unbearable, but the New York State commute is honestly horrendous.  I can not believe so many people do it every day.  Thank God for public transportation (I can't believe I just said that..ew!) Check out the cities with the worst traffic here.

Thanks again for reading and listening.  A few clicks here and few clicks there will get you the information and its worth it.  Talk soon friends and family.  Love and Peace, Alexandra.

A Note from Agency Owner, Glenn P Domingo, LUTCF CSP

Happy Halloween friends and family.  I just turned 51 on September 9th, 2018 and boy do I feel good.  My friends at AARP are all over me with advertising and a membership.  Anyway, they do have good stuff.  Below is information from their blog on the Social Security Changes coming in 2019.  I hope you find this information helpful.  Wishing all a wonderful fall and winter season and can't wait to get together for a Farmers Friendly Review.  We at Domingo & Associates, FARMERS, appreciate your TRUST, loyalty and referrals.  As always, we are your Agency for Life !!

Peace and Love from your bloggers on the East Coast and the West Coast,

Glenn, Amanda and Alexandra Domingo

Benefits increase

Social Security recipients will get a 2.8 percent cost-of-living adjustment (COLA) in monthly benefits beginning in January. The average individual retired Social Security beneficiary is expected to see a monthly benefit jump from $1,422 to $1,461. The estimated monthly increase is $39, or $468 a year.

Earnings limit climbs

If you are between ages 62 and 66 or 67 (full retirement age) and working while receiving monthly Social Security benefits, you may now earn up to $17,640 before the Social Security Administration will deduct $1 for every $2 you earn. In the year you turn your full retirement age, the earnings limit will be $46,920 before the agency will deduct $1 for every $3 you earn until the month you reach full retirement age. (For those born between 1943 and 1954, full retirement age is 66. It increases by two months for each year after until 67.)

Tax cap grows

Taxes on workers’ wages finance Social Security. Workers pay 6.2 percent of their earnings to fund the benefit (employers pay the same). Next year, the maximum amount of earnings subject to the Social Security tax will increase from $128,400 to $132,900.

Work credit earnings rise

The earnings required for one work credit — that is, three months of Social Security coverage — edges up from $1,320 to $1,360 for 2019. Credits are the building blocks the Social Security Administration uses to determine whether you qualify for benefits. You can earn up to four credits a year if you earn at least $5,440. In most cases, to qualify for benefits you’ll need a minimum of 40 credits.

Supplemental Security Income up

Beneficiaries receiving Supplemental Security Income (SSI) will see an increase in their monthly payment. SSI is a federal program that aids the aged, blind and others with disabilities who have little or no income by providing them funds for food, clothing and shelter. The individual amount grows $21 a month, from $750 to $771. The amount for couples rises $32, from $1,125 to $1,157.

View monthly benefit

To check the amount of your 2019 Social Security monthly benefit, go to SSA.gov, and, if you already have a My Social Security account, sign in and check your account’s message center. To create a My Social Security account, go to www.socialsecurity.gov/myaccount. So far, about 35 million beneficiaries and non-beneficiaries have set up My Social Security accounts.

August 2018

Getting back to the routine of Learning and Growing, Recheck and Adjust the Year!

As summer comes to an end, we celebrated all the summer birthdays, had a little family "stay-cation" when Addison and Lexie came home for a week, and enjoyed our time in the sun and in the water. Now we are all officially back on the east coast. It is always hard to leave the west coast and the place we are fortunate enough to call home. Addison made his way back to Pittsburgh and Lexie and I are back in Brooklyn. Lexie will be going to grad school in the fall and teaching at a school in Brooklyn starting in September. I will be going back to Brooklyn for my senior year of school and will finally be playing softball. As for the empty nesters, mom and dad are looking forward to putting more time into the business and many projects around the house. I'm sure it won't be too long until they come out to visit! As always, we hope you had a very relaxing, enjoyable, and safe summer!

Trending Recipes 

Apple Cinnamon Overnight Oats:

1/2 C Dry Oats

1/2 C Milk of Your Choice

1/4 C Plain Greek Yogurt 

1/2 Apple Chopped 

1/8 TSP Ground Cinnamon 

1 TSP Honey

1 TSP Chia Seeds 

Combine and stir the oats, milk, and yogurt. Top with desired apple cinnamon toppings. Drizzle honey and sprinkle chia seeds on top. Seal and place in refrigerator overnight. Easy on the go hearty breakfast for the next morning. 

Pita Pocket :

4-6 oz. Cut Grilled Chicken Breast 

1 TBSP Feta Cheese

1/4 Sliced Cucumber

1 TBSP Hummus of Your Choice or Cucumber Yogurt 

Chopped Red Onion

1 TBSP Olive Oil 

Combine onion, cucumber, and cheese. Mix together in a bowl with olive oil. Cut pita in half and create a bowl. Spread hummus or yogurt inside the pita pocket. Cut chicken and place in pita pocket. Top each pocket with ingredients mixed together in the bowl. Enjoy as an on the go lunch or dinner! 

Restaurant Review

Plant Power

ENCINITAS
411 Santa Fe Dr, 
Encinitas, CA 92024
760-452-2352

Open Everyday 8am to 9pm

One of Lexie's favorite places to eat. Plant Power is a plant-based fast food restaurant. They serve everything you would normally get from a fast food place and are just as quick, yet it is a healthier option. We love the classic burger with fries and a milkshake! They offer options to satisfy you for breakfast, lunch, and dinner. All of their sauces are homemade and taste so fresh and delicious. They have everything from tacos, to burgers, salads to sweet treats. They are located off Santa Fe Drive just off the 5 freeway. Go get plant-powered!

First Legal Drink

Stay-Cation , 21 Celebration

It's always too short when we're all together. We had a nice week together at home hanging at the beach and being surrounded by family and friends. We celebrated all the summer birthdays Addison turned 24, Lexie turned 23, and I finally turned 21. The boys went golfing for a day and placed some bets at the Del Mar Racetrack. We all can't wait to be back home again, but for now we will enjoy our time on the east coast. 

Celebrating at the Crakin'

Pregame at Home for the Evening 

Celebrating the Summer Birthdays at Pop-Pop's 

Celebrating at Pop-Pop's House 

Before the Races 

Feasting at the Del Mar Races

Workout 

This workout can either be done at home or in the gym. Just requires some 10 pound dumb bells and the motivation to get going. Let me know if you give it a shot, hope you enjoy! It will only takes about 20 minutes to complete this full body fat burning workout. 

Bicep Curl

Curtsy Squat 

DB (Dumb Bell)  Flys  

Reverse Lunge to Press

Bent Over DB Row

Dumb Bell Romanian Dead Lift 

Complete each exercise for 40 seconds on and rest for the remaining 20 seconds of the minute. Complete all 6 exercises 3-5 times depending on how you are feeling. Go get sweaty! 

Back 2 School: Dorm Room Essentials 

With school starting up again, I thought I would share some essentials that I found very useful over the last few years. I know being in a dorm room is not always the most luxurious thing in the world, but you just make it work with what you got.

1. Easy to prepare foods.

Some of the essentials that I always try to have on hand are oatmeal, protein bars, & nuts. They require little to no effort to make and are great if you are in a rush or between classes. They also have a fairly long shelf life.

2. "Cooking" Utensils  

In order to make tea, coffee, heat up noodles, or make oatmeal I discovered having an electric tea kettle or a keurig can really help make a difference. You can use it for multiple things and I'm sure you'll be drinking some kind of caffeine much more than usually. Also, having microwavable dishes on hand like mugs, bowls, and plates will make your life much easier. If you don't like doing dishes or have no place to wash them off paper is another easy option.

3. Comfy Lounge Wear 

I rarely find myself wearing "normal" clothes unless I have to. Spending time in your dorm room means comfy clothes all the way. Whether it be a big t-shirt, a pajama set, or some big baggy sweats you've loved forever, comfy lounge wear is where I invest most of my money because I use it all the time.

4. H20

I always bring a reusable water bottle. Most schools have places to fill up. You will find yourself spending a lot of money on water if you don't use one of these. Helps keep you focused in class and staying hydrated is always good for overall health.

5. Storage and Such 

Depending on what kind of storage your room always has, it is nice to have easy accessible storage bins that don't take up the space in your whole room. I find most of my storage at Target for pretty cheap and it has lasted me all of college. Don't forget a full-length mirror! You always have to see how your outfits looking, even if it is just some lounge wear.

A Note From the Agency Principal

Wow, how amazed at knowing that I have three kids that are making their way in this world.  I edited this months blog and was so proud of how my daughter, Amanda, created this forum for our clients, friends and family to get news and updates about us, news and updates about our agency and news and updates about bettering peoples lives.  

Our Creator has given us gifts to honor Him.  Thank you Lord for my clients, family and friends.  Thank you for this business and the ability to protect and educate our clients, family and friends about insurance.  Thank you for allowing Jenifer and I to take care of my mom and sister and the means to provide for our family.  I always ask for my clients, friends and families prosperity, peace and protection.

With a reduction in commission to help our Mother Company Farmers, stabilize rates and to create a more efficient service experience for our customers, our family has taken a pay cut of about 11% overall.  What would you or your family do if you received a pay cut this large ?  We have had a budget for many years.  Each of our expenses is broken down and listed on an excel spreadsheet.  Jenifer and I will be evaluating our budget again and look for areas to cut out 11%.  We will have to reduce savings for retirement.  We will have to reduce our entertainment and dining budget.  We will have to reduce areas in the home that are excess, such as premium movie channels, car washes and other services we can accomplish ourselves.  We can increase our deductibles on our insurances and evaluate switching over to liability only on older cars.  When there is a will there is a way.  Discipline in spending and saving takes time and patience.  My point of this exercise is to try to write down what you spend, where you spend it, how you spend it and is it necessary or a want.

The beginning of the school year is a very busy time for the agency.  Many of our clients re evaluate their expenses and start planning for the new year.  This is a great time to re evaluate  some of the goals you set for the year.  This is also a great time to make adjustments to goals and your budget.  Remember that a visual goal is more attainable then a wishful goal.  Right it down, measure it and make adjustments to meet it.  Then onto the next improvement in your life.  Thanks for listening.  As Always, please call, text, email, facetime or visit with any questions or concerns.  Have a great school year and fall season.

Kindly, with respect and gratitude, your Bloggers from the West and East Coast,

Glenn & Amanda Domingo, YOUR AGENCY FOR LIFE

July 2018

Why July 

A great time to review your annual goals and adjust to meet them !!!!

Summer is half way over already and I can't believe how fast it has gone by. We look forward to Lexie and Addison coming home next month and can not wait to see them and spend a week together before all of us are back to the east coast. The month of July has been quite eventful for the Domingo's. We celebrated the 4th of July and Mama Fili's 82nd birthday and Addison's 24th birthday. We took a quick trip, Addison pitched in his last collegiate career baseball game, and now we are getting ready for everyone to be back home for a week next month. We hope all of you are enjoying the nice weather and are having a safe and fun summer. Below we have another monthly workout, coffee restaurant review, and some tasty treat recipes.

Banded Workout: 

Grab a mini band like the one posted above and get a sweat anywhere and anytime. 

Side Steps - 4x12 each side

Railroad Walks - 4x10 each side

Lateral Split Walks - 4x15 each leg 

Banded RDL Kicks - 4x12 each leg

90/90 Squat - 4x10 total 

Jump Squat - 4x10 total 

*** A picture of what "mini bands" are is provided above. You can get them on Amazon for cheap!

Restaurant Review 

Philz Coffee

ADDRESS:
1060 S Coast Highway
Encinitas, CA 92024

PHONE: 

(760) 230-6880

STORE HOURS:  Mon - Sun: 6am - 6pm

I know it is not the typical restaurant review, but this is by far my favorite place to get coffee when I am home. It is located right off the 101 in Encinitas. Not only do they have amazing coffee, but the tea is just as good. Some of my favorites are the Tesora, Mint Mojito, and Philz Iced Tea. If you are down by the beach, crusing by the coast, or looking for a delicious pick me up, Philz will not disappoint. Their unique atmosphere matches the unique way they make every cup freshly brewed and just to your liking. Feel free to pair your drink with some of their pastries or avocado toast, yum!

Catalina "Staycation"

Catalina Island, CA

Glenn, Jen, & Amanda 

Due to everyone's hectic schedule and all us kids living on the other side of the country, we decided to have a little "staycation" right here in California. We took a day trip this month to Catalina Island and just enjoyed some sun and played tourist for the day. Living here my whole life I had never been to Catalina.  The trip was quick and fun and I definitely could have stayed longer. We took a golf cart all around the island where we got to see some amazing views. We ended our trip relaxing on Descanso Beach. 

Glenn, Jen, Amanda & Cory on the cliffs of Catalina. 

Glenn & Jen before boarding the boat home. 

Trendy Treats

4 Ingredient Banana Bread

The simple banana bread I can't stop making. It satisfies my sweet tooth without leaving me feeling stuffed and bloated. The best part about it? All it requires is four ingredients. Grab those over ripe bananas you were going to throw away and get baking.

What You'll Need: 

4-5 Ripe Bananas Peeled
1 Cup of Peanut Butter
2 Cups of Dry Oats
1 Cup Dark Chocolate Chips

How to Make and Bake: 

1. Combine bananas, peanut butter, and oats into a blender or food processor.
2. Blend ingredients together until you get a thick, cream like consistency.
3. Mix in the cup of chocolate chips.
4. Line a 9in x 5in. bread baking pan with parchment paper.
5. Pour in the "batter".
6. Bake @ 350 degrees for 25-30 min.
7. Allow bread and pan to cool before cutting, unless you can't resist. It is very tasty warm!

Flourless Chocolate Avocado Cookies 

What You'll Need: 

1 Ripe Avocado
1/4 Cup Maple Syrup
1/2 C Nut Butter (Peanut, Almond, Sunflower)
1  Whole Egg
1/2 Cup Unsweetened Cocoa Powder
1  TSP Vanilla Extract
1/4 Cup Dark Chocolate Chips

How to Make and Bake: 

1. Preheat oven to 180 C (360F)
2. Cover a baking sheet with parchment paper. Slightly oil the paper with 1/2 teaspoon of liquid vegetable oil (coconut or peanut oil) . This will prevent the cookies to stick to the paper. Set aside. 
3. In a food processor, with the S blade attachment, add ripe avocado and liquid sweetener. Process for 30 seconds until it forms a creamy avocado batter with no lumps. 
4. Stop, add egg, nut butter and cocoa powder. Process again for 30 seconds. Scrap down the bottom and side of the bowl and process for an extra 15 seconds to make sure all the batter is combine - no lumps.
5. Transfer the chocolate cookie batter onto a mixing bowl. It will bit moist and sticky that is what you want. Stir in chocolate chips and vanilla - if used.
6. Combine with a spatula until the chocolate chips are evenly incorporated. Test the batter and adjust with 2-3 drops of liquid stevia - only if you want a sweeter cookie. 
7. Prepare a small bowl with warm water, dip a spoon in the water and use that spoon to sample some chocolate cookie batter from your bowl. The water will prevent the batter to stick too much to your spoon.
8. Spoon the chocolate batter onto the baking sheet - I used another spoon to push the batter out of the first spoon.  Use a silicon spoon or spatula to flatten the cookie into a cookie shape. The batter won't stick onto silicon which makes it easier to spread.
9. Repeat until you form 6 jumbo cookies. Those cookies won't spread so you don't need to leave more than half thumb space between each.
10. Sprinkle extra chocolate chips on top of each cookies if you like.
11. Bake for 12-15 minutes or until the center is set. 
12. Cool down 5 minutes on the baking sheet then transfer onto a cooling rack to cool down.
13. Store the cookies in the fridge for up to 5 days in an airtight container.

Focus on the Long Term Goals

My Friends and Family, 

Well, another milestone was accomplished by the Domingo Clan.  We all now have ROTH IRA's.  I have been a saver, not the best, but I did stay consistent.  My father opened a fund for my sister and me when I was 18 years old.  I saved $25.00 per month until I had to use the funds to assist paying for college.  I told myself that when I had a family, I would encourage each of the kids to start saving when they were young.  Having each of them open a ROTH IRA is a great feeling.  A feeling that they understand the importance of taking care of yourself and your future.  This is a savings vehicle that is optimal when not touched until 59 1/2 or longer.  It is also one of the few tax free options on growth of your money if properly funded.  What our kids have on their side is time.  They have time to withstand the ups and downs for the stock market.  

Just a friendly reminder if you earn income of at least $5500.00 and you are 18, you can start saving $5500.00 on an annual basis.  That is $458.33 per month.  You can start off with just $25.00 per month if you want.  If you are age 50 or over, you can contribute up to $6500.00 annually.  

Our agency is here to assist.  We care about protecting your hard assets like your auto, home, investment properties, jewelry, recreational vehicles etc.  We also care that you feel secure and you feel good about controlling how your future will be when a savings of money is available for you and your family.  Take time to educate yourselves and utilize our agency to educate you on the Traditional and ROTH IRA's.  Wishing you all a wonderful rest of your summer.  

Kindly and with respect, Glenn & Jenifer Domingo, agency owners.  

June 2018

Happy Summer!

School is out and summer has officially started. We had a great month celebrating our teachers, Father's Day, and the start of summer. We started this month by appreciating all the work that our local teachers have done this year by sponsoring a Happy Hour at The Yard House here in Carlsbad. Below are a few pictures from the event. We wanted to do just a little something to give back and let them know how much we do appreciate them educating our future leaders. With Lexie going to the east coast to get her masters in education and urban studies we hold a special place in our hearts for teachers and always enjoy giving back. We hope you enjoy this blog sharing some of our favorites for the start of summer and some tips and tricks to stay healthy and beach body ready. Enjoy reading!

This Month's Favorites:

Restaurant : The Shore House Kitchen 

A new restaurant in Carlsbad for the locals to try!
Serving breakfast and lunch in downtown Carlsbad, it's a great atmosphere and great experience. They also offer a complete menu for dogs to enjoy a meal with their owners. If you are around, stop by and check it out. Let us know what ya think! 

Recipe: Goat Cheese Mason Jar Platter

Super simple goat cheese platter that makes for a tasty summer appetizer or happy hour meal.

Take a small size mason jar and fill it with some fresh whipped goat cheese.

Add small cut chunks of steamed butternut squash throughout and on top of the goat cheese.

The warm butternut squash will slightly warm the goat cheese making it perfect for dipping and spreading.

Decorate the mason jar with yarn, ribbon, or flowers to make it more festive and appealing.
Surround plate served on with slices of warm pita bread, veggie sticks, and crackers.
Dip, spread, share, enjoy!

Book: The Noticer by, Andy Andrews

Sometimes all we need is a little perspective. This month I was officially cleared to throw again after three grueling years of surgery, PT, and mental adversity. I've learned so much on this journey I would never take any of it back. If there was one thing I learned, it would be that perspective is everything. This book was suggested to me by my coach and now I pass it along to you. You never know where one comes from, and you never know who you may influence and impact along the way on your own journey. 

Workout: Body Weight Booty Blast

4 Rounds, 12 repetitions for each exercise.
Rest after each round is complete for 30 seconds - 1 minute.
If you are trying to make it more of a cardio workout, use the least amount of rest as possible!

Jump Squat
Curtsy Squat
Lateral Lunge
Donkey Kick
Fire Hydrants
Rainbow Kicks

Look out for next months workout. All exercises can be done with just a resistance band!

Easy Ways to Stay Healthy: 

1. Drink WATER.

Always bring a water bottle with you. I have found ones with a straw just naturally cause me to drink more. When out at a restaurant always order water with your meal even if you have another drink. Sip on tea throughout the day or an herbal tea just before bedtime.

2. Get some Vitamin D.



Did you know most American are actually deficient in Vitamin D? Sun, sun, sun! Just 15 minutes a day of some sun rays has positive affects on the body and mind. To the right are some great alternatives that you where you can get some Vitamin D through your dietary food.


3. Move More.

Park your car farther away so it forces you to walk more. Take the stairs when their is the option. Go for hikes and opt to spend the weekends outside. Get up out of your desk at work and walk for 5-10 minutes. Walk around when taking a phone call.

4. Make Healthy Swaps.

We don't have to deprive ourselves of what we love. But, make an effort to swap out once in awhile when trying to eat healthy. When eating out, it is easy to make adjustments to your meal like asking for the dressing on the side, or choosing the vegetables or side salad instead of the fries with a burger.

5. Get a Partner.

From my experience, I find it so much easier to eat healthy when the people around me are on the same wavelength. When I am home and Lexie and my parents are eating healthy, it just becomes natural. Find a buddy. Keep each other accountable and even add in some competition if you wish.

6. Create a Routine.

Having a set routine helps make us more likely to stay on track. Try different things, and find a routine that works for you. If you don't like waking up early to workout or prepare your meals, workout in the evening and use the time after to prep for the next day. Their is no "right" way, it's just whatever works best for you, everyone does things a little differently.

7. Have a Plan.

If you know in advance you have a busy week ahead, even more the reason to stick to your routine. If you know you are going out a couple days over the weekend with some friends or have a family party, make a cautious effort to make healthy decisions throughout the week. Sometime I even check the menus of places I am going to see what healthy options they have and plan around that. Without a plan, their is no direction. Set goals, then create a plan around your goals to help you best achieve what you want.


8. Stay Positive.

Always remember to stay positive. Perspective is everything. Have fun and enjoy a healthy lifestyle, it never has to be a diet or a workout that you dread. You never know your healthy decisions may be impacting someone else.

Father's Day 

Happy Father's Day to all the dads out there and those that take on the role of being a father. We are more than grateful for our Dad. He continues to provide for us not only through his passion for his business, but in daily life. We are so blessed by your infectious smile, ability to make everyone laugh, the countless nicknames, and the numerous sayings that we catch on to. Thanks for building a business and thank you for building an even stronger faith based family. Also, thanks for the Filipino genes 😉

Always supporting, loving, and proud of us. We appreciate all you do for us, you did a good job, dad. Never forget how much we appreciate and love you always. 

Love,

Your 3 Anakos 

A Note From Glenn: 

Insurance cost raise as do the cost of goods, but another factor leading to higher insurance rates that no other industry sees as much as the insurance industry is fraud.  Below are a few  statistics published from the Coalition Against Insurance Fraud. 

· Fraud accounts for 5-10 percent of claims costs for U.S. and Canadian insurers. Nearly one-third of insurers (32 percent) say fraud was as high as 20 percent of claims costs;

· 57 percent of insurers predict an increase in personal-property fraud by policyholders. Around 58 percent say the same for personal auto insurance, and 69 percent expect a rise in workers-compensation scams;

· 61 percent predict an increase in auto-insurance fraud by organized rings, and 55 percent predict an increase workers-compensation scamming;

· About 35 percent say fraud costs their companies 5-10 percent of claim volume. More than 30 percent say fraud losses cost 10-20 percent of claim volume;

Wishing you all a wonderful Summer.  Looking forward for the fab five Domingos to be reunited once again for this bloggers 21st birthday.  Peace and Love as always.  

Kindly, Glenn P Domingo, agency owner.