Newsletter

Home Schooling Tips

Many schools may not be opening, or you may be doing online school as a result of COVID. Some parents may be thinking of homes schooling their kids rather than enrolling them in school this fall.
At first, opting for home schooling is such an overwhelming matter. Most parents thought that it is impossible to teach a child through home schooling method.
On its basic concept, home schooling refers to the alternative way of educating children. It differs from the usual type of schooling because the learning process is done at home, and the teachers are usually the parents themselves. They only use a particular type of teaching method that can be obtained in different institutions that provide home schooling programs.
For parents who find home schooling a bit of an overwhelming task, here is a list of some tips on how to get you started in home schooling your child:

1. Arrive at a decision
The problem that most parents encounter when opting for home schooling is the fact that they find it hard to finally decide whether to home school their child or not. This is because deciding on this kind of thing is relatively important, especially because the future of the child is dependent on it.
However, the choice should be based on the capacity of the parents to conform to the requirements in home schooling their child. They should be able to wholly participate with whatever items that were entailed in the program in order to provide the best education for their children.

2. Keep in mind that home schooling is a process
Since home schooling is a process, parents who want to home school their children should take things one at a time. For instance, if they have a pre-school child, they should focus more on what pre-school students should learn. They should not delve more on how to teach higher levels of education that are fit for students in higher levels.

3. Know your state laws regarding home schooling
In the United States, each state has its own laws regarding home schooling. Hence, it is best to know what your state asserts about home schooling so that you can provide the best education for your children in conformity with the law.

4. Look for a support group
Home schooling should not be the sole responsibility of the parents. That is why it is important for the parents to find a local support group wherein they can mingle with other homeschoolers who can provide them with additional pointers regarding the process. Each member in the support group can help each other regarding the best technique in teaching their children.

5. Do your homework
Nothing can get you started on the right track than doing your homework first. In this way, you will be able to know the important details you need to be familiar with in order to provide the best education for your children. Knowing what you have to do will give you the best guidance in home schooling.

6. Identify your child’s learning manner
It is best to assess your child’s learning manner first before you choose on a particular home schooling method. Conforming to your child’s learning manner will provide the best way on how to home school your child.
There are many choices available when teaching your child through a home school program. Though it is still best to always pattern the program that you will choose on your child’s learning style.

7. Organize the things needed in home schooling
Just like a typical school, home schooling your children would also need different materials and a proper place where they can easily and comfortable learn new things each day.
Hence, it's best to organize the place first by providing them with adequate space for their learning. Most children would respond to the process easier if they were comfortable with the place where their classes are held.

8. Have a budget for home schooling
Some parents tend to overindulge with the materials needed in home schooling. It does not necessarily mean that because you have lowered your expenses because you have opted to home school, as compared to sending your children into a typical public or private school, you can spend more.
It is still a must that you have to set a budget for home schooling. There are many books and other materials that can be found on the Internet which are definitely priced cheaper.
Indeed, home schooling is not just a process but also a lifestyle. Its something that parents should be best acquainted with in order to give their children with the best education they need.

As summer draws to a close all of us at Martinez & Associates Insurance Services would like to thank you for your continued business.

 

Most of us are hardworking honest people, who are building strong families and are productive members of our community. Unfortunately, there are a few people who try to take advantage of us and we need to be educated on what to watch for. Fraud, including insurance scams, is the second-most burdensome financial crime in the United States. Tax evasion is number one.
Your personal insurance company and agent can be a great resource to you before, during, and after an accident.

Here are a few of the most common scams:

1.Forced Rear-ending – Typically, the scammer will slow down or come to a stop in busy traffic, or swoop in front of the victim at an intersection or an on-ramp, causing the driver to crash into them from behind. In most states, the person who rear-ended the other driver is the liable party, thus the scam begins. At this point, the scammer will claim high medical bills and unusual property damage, (loss of IPhone, damage to other personal property, etc).

2.Counterfeit Air Bags - Each year, about 1.6 million air bags inflate during crashes, saving thousands of lives. But, during the repair process, at least a small percentage of those deployed air bags will be replaced with counterfeits, which can be life-threatening.  Make sure you use a reputable repair shop and ask to have factory airbags installed.

3.Windshield Replacement Rip-Offs - Don’t fall for the person in a van who stops you to say he can offer to fix your windshield. The scammer takes your insurance information and files a false claim. Only use well known repair shops.

Phantom Victims - Often after an accident, you are not fully aware of everyone and everything around you. The scam is the injured party will say there was another passenger in the vehicle and make a false claim. When gathering information after an accident, such as the other driver's license number and contact information, also count the number of passengers in the other car (if any) and take photos of the other car, its passengers, and the general scene.

As always, all of us at Martinez & Associates Insurance Services thank you for your continued business, and hope you are enjoying your summer!

Are you one of the people who think you don’t need life insurance? Please think again. Life insurance provides real security for those you care about. Life insurance benefits can provide financial security and resources for your family or loved ones after you are gone. Let’s look at a few of the reasons to consider life insurance:

• Payment on Debt– If you have any outstanding debt (mortgage, credit cards, etc.) at the time of your death, it does not go away. Your estate will still be responsible to settle all accounts. Life insurance can provide the financial resources to cover debt.

• Continuation of Income- Life insurance can provide the funds to replace your income upon your passing. Family income will certainly diminish with the loss of an income earner, which means your family will experience a lower standard of living. The death benefits of a life insurance policy can prevent this from happening, or at least keep the impact to a minimum, by replacing income lost with the demise of the breadwinner.

• Unpaid Medical Expenses- It is highly likely that you will incur medical expenses prior to your death. Some of which may not be covered by health insurance. Adequate life insurance proceeds ensure that these final expenses are covered.

• Funeral Expenses- Most people don’t plan for, or fund, funeral expenses. Again life insurance is there to help.

The good news is that life insurance rates are low and there are many different kinds of products to select from. One question we often get is, “How much life insurance do I need”? The answer to that depends on your individual situation, but the general guideline is, a life insurance limit of at least ten times your annual gross income is a start. For example, if you earn $50,000 per year, your family would need to replace somewhere close to that amount. A $500,000 life policy could return $45,000 to $50,000 annually, depending on interest rates.

The most cost effective type of policy is term insurance. Term insurance provides protection for a specific, limited amount of time, usually in five-year segments, such as for 10, 15, 20, 25 or 30 years. Typically you pay annually and the premium is locked in for that period of time.

Martinez & Associates Insurance Services has some excellent affordable plans available, so please email or call us at 432-580-8750 so we can help you plan for the future.

Every spring, North Americans gear up their grill, stock up on the meat, and prepare for many mouth-watering barbecues. But how much do we really know about the art of barbecuing? From the familiar pastime's origins to surprising tips and tactics, this list will provide you with all the information you need to wow your friends at the next neighborhood barbecue!

1. Barbecues originated in pig-pickings, feasts that were common in the Southern United States prior to the Civil War. Whole pigs were cooked and eaten by the crowd.
2. Smoking was used as far as 6000 years ago in order to make meats safe to eat and store. The meat was exposed to smoke and low heat in order to prevent bacteria and enzymes from growing.
3. In Australia, a barbecue is commonly referred to as a barbie. The famous statement Ill slip an extra shrimp on the barbie for you, which appeared in Australian tourism advertisements, is often used to refer to the country.
4. What most North Americans partake in today isn't actually barbecuing. Barbecuing is cooking at temperatures around the boiling point of water (180-220*F) for a longer time period, in order to make the meat tender while preserving its natural juices. Today, the method most commonly used is, in fact, broiling: cooking at 475-700*F in much less time.
5. According to the Barbecue Industry Association, half of all marshmallows eaten in the U.S. have been toasted over a grill.
6. For an easy way to check how much propane you have left, bring your bathroom scale outside and weigh the gas tank.
7. The origin of the word barbecue is unclear. Some believe it came from the American-Indian word barbacoa for a wood on which foods were cooked. Others say it came from the French words de barbe queue, meaning whiskers to tail.
8. To add a smokey flavor to your gas-grill-cooked foods or foods cooked inside the house, use liquid smoke. A condensation of actual smoke, this product can be easily added to your barbecue marinade or sauce.

9) Brisket, the extremely hard cut of meat taken from a cow's chest, takes one to two hours per pound to barbecue. That's an average 12 hours on the grill for a basic 8-pound piece!
10) Kansas City, Missouri, Texas, and Lexington, North Carolina, all claim to be the barbecue capitals of the world. Memphis, meanwhile, stakes a claim to being the pork barbecue capital.
Now you're set to impress!

All of us at Martinez & Associates Insurance Services thank you for giving us the opportunity to serve you. Happy BBQ'ing!

Most of us are at home, hoping the COVID-19 pandemic passes as soon as possible. Adjusting to a life of social distancing can be a challenge for many reasons, simply because it might seem like there is not much to do while sitting at home. We came up with a few ideas to help you manage your time.
 

• Set a schedule for your kids that might include times for reading, school work, exercise, and game time.
• Schedule a family happy hour each evening before dinner. Use it as a time to talk about what is going on and share fun family traditions.
• Teach your kids to cook.
• Have a family movie night with popcorn.
• Set up an exercise routine. Run up and down the stairs.
• Organize that room you have meant to over the last year.
• If the weather is pleasant, playing outside is a terrific option when you need to get out of the house.
• Take time each day to share something you are thankful for or are hopeful for. It can be difficult to deal with all the news right now. Why not share something positive, like a video of people showing solidarity during this pandemic or a good news story that you found online?
• Learn from our YouTube tutorials.
• Take care of your physical health. Get a good amount of sleep and exercise, and use other ways to reduce anxiety, such as meditation, yoga, listening to music.
• Get out all those old-fashioned board games. Watch TV together or share an electronic game or two. This would also be a great time to watch old family videos. Connecting with happier times is always good for our mental health.
• Limit the news. For your own mental health and the mental health of your children, titrate the intake of news.
• Connect with old friends or family members.
• Start a garden. Garden centers are open, and you can get vegetables to plant.
• Clean out your garage and get your stuff ready for a garage sale.
• Camp in the back yard.
• Make a family COVIS-19 bracelet.
• Listen to a podcast, To say that podcasts are having a moment is a massive understatement. Whether it's to have a serious LOL or be inspired in your career, there's never been a better time to plug into some juicy conversations.
• Learn a craft. Ever wanted to knit, crochet, or learn how to do woodworking? YouTube will keep you busy with plenty of videos to choose from.

Please check our website for any updates on changes regarding our operational procedures during this pandemic.
 
All of us at Martinez & Associates Insurance Services encorage you to be safe, and be strong. 

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