5 New Year’s Resolutions You Might Actually Stick To

The reason so many New Year’s Resolutions ultimately fail – as psychologists will tell you – is that they are too general. Resolving to “exercise more” is less effective than targeting a specific activity (for example, walking 10,000 steps every day). Let Memorial Insurance Agency in Houston, Texas, inspire you with some ideas for resolutions that you might actually keep!

1. Get to know your neighbors: Not only might you find some deep friendships this way, but from an insurance perspective, having your neighbors keeping an eye on your home is great for security!

2. Learn something new: Regular mental workouts improve brain function as we age. Why not take a college course, learn a foreign language, or play chess twice a week?

3. Tip generously: If you can afford to dine in a fancy restaurant, the difference between tipping 15% and 20% is probably not much to you. You get a warm fuzzy feeling from being generous, and that extra money goes a long way for low-wage workers. Don’t forget parking valets, bartenders, cloakroom attendants, and food delivery workers too!

4. Take a risk: There is probably something just outside of your comfort zone that you know you ought to try. Maybe it’s investing in stocks, traveling alone to a foreign country, finally quitting your dead-end job, or trying online dating. What’s the worst that could happen? Expand your horizons and you may find you increase your happiness and fulfilment also.

5. Forgive someone: Holding on to a grudge is like drinking poison and expecting the other person to die. The four-step process to better mental health goes something like this: Acknowledge your pain, visualize what you want the pain to turn into, work through your anger, and finally, expel your rage and resentment.

Please share on our Facebook page any other New Year’s Resolutions you are intending to keep in 2020!

6 Great Gifts for Insurance Agents

Stuck for gift ideas for the insurance agent in your life? Wanting to buy a little something to thank Memorial Insurance Agency in Houston for their wonderful service this year? Take your pick from our great suggestions!

1. Coffee mug: An essential accessory for hardworking, office-based insurance agents! How about this great design available on Etsy?

2. Coffee: Need something to put in that great personalized mug? A subscription to a craft coffee delivery service means your insurance agent won’t get stuck in a rut with the same old coffee beans each day!

3. Fire Extinguisher: In addition to a great insurance policy, a fire extinguisher is something that no self-respecting insurance agent should be without! Why not make a statement with a pink one?

4. Fire Extinguisher USB: It won’t put out fires, but it sure makes a chic and handy gift for those insurance presentations.

5. Portrait: We all know that insurance agents think they are “hot stuff”. So why not treat your favorite big-ego insurance agent to a commissioned portrait of themselves? Ideal when framed and placed on a desk, or choose a life-sized version to hang imposingly on an office wall.

6. An Insurance Agency: If you’re feeling really generous, you can even buy a book of business for your favorite wannabe insurance agent. Now that’s a gift they will never forget!

5 Reasons Young Drivers Pay More

Auto insurance premiums for young drivers can be heart-attack-inducing. More than a few parents must have been forced to choose between using their savings for their child’s college fees, or for their auto insurance. But why exactly are teen drivers such an expensive proposition for insurance companies?

  1. Young Drivers Are An Unknown Risk: Insurance calculations partly base their calculations on a driver’s prior history. Teens are an unknown quantity because they only just started driving. Therefore, insurance carriers assume the worst-case scenario when assessing premiums. It’s up to the young driver to maintain a clean driving record for the first few years and then premiums will start to come down.
  2. Young Drivers Have More Accidents: A fact of life is that young drivers have more accidents than older ones. This is supported by a large amount of data gathered over many years. Insurance is a risk pool where everyone must pay for the accidents of others – therefore it is not surprising that younger drivers are expected to pay a higher proportion of the costs!
  3. Young Drivers Are Less Experienced: It takes a long time to build good driving skills, especially when handling emergency situations. Defensive, risk-averse driving is something that takes many years to master. Young drivers tend to misjudge situations on the road, and are more prone to panic or over-correct.
  4. Young Drivers Are More Prone To Distracted Driving: Ever seen a young person NOT using a cellphone?! Take a moment to observe other drivers on the road (but obviously not while you are driving!). It is hardly surprising that distracted driving contributes to an ever-increasing percentage of serious accidents among young drivers.
  5. Young Drivers Are Crazier Drivers: Science supports the assertion that teen drivers are more likely to engage in high-risk behaviors. High-risk driving on the highway is not an attractive prospect for insurers. Young men are especially likely to speed, tailgate, and have an overly inflated opinion of their own driving skills.

One of the best ways to save money is to shop your auto insurance with a range of different providers. At Memorial Insurance Agency in Houston, Texas, we have a wide range of options to choose from – give us a call for a quote today.