Bernardini & Donovan Insurance Services

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New Year, New You

New Year, New You

New Year, New You ‘Tis the season of the new year’s resolution! Many people will start the new year with plans of how to improve their life. Here are a few resolutions that we would like to recommend:   Intentionality One of our most significant assets in life is our time. Everyone is given the same amount of it every day. But what matters is what you do with that time. At the end of every year, it is easy to reflect back and realize that much of your time was spent doing things that don’t matter. Instead, we suggest doing this reflection much earlier. At the end of each day, at lunchtime, as you wake up, reflect over your last few hours. Think about what was important, what added something to your life and goals, and what detracted. What made you a better person and what was a waste

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Healthy Christmas

Healthy Christmas

Christmas is around the corner and what an exciting season it is! Everywhere you go you see lights and decor and the children are getting more and more thrilled about how soon Santa is coming. We want you to have the happiest and healthiest Christmas you can. So here are a few options on how to have a healthy Christmas:   Keep your immune system strong One of the best ways to ensure that you are not sniffling and coughing during Christmas is in the weeks before Christmas be taking care of yourself. Make sure that you are eating healthily and exercising before the big day. You will also want to wash your hands often and if at all possible, avoid others who are sick.   Talk a Walk It’s easy around this time to want to plop yourself down on a couch and enjoy the massive amounts of holiday

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Open Enrollment up and running

Open Enrollment Is Up and Running

Open enrollment for Covered California is up and running. It’s had an emphatic beginning. In its few two weeks, there were over 48,000 sign-ups. That up to 9,000 then this time last year. Part of this increase could be from the significant amount of money that is being spent on advertising for Covered California. The marketing budget is said to be around $45 million. All of the money is being poured into TV commercial spots and radio advertisements. There has also been about $100,000 spent on murals being painted across the state, many of which do not have anything to do with health insurance coverage. This comes in stark contrast to the federal budget for health care. Last year the budget for healthcare.gov was 100 million dollars, this year they have $10 million. The Trump administration has made it very clear that they want to get rid of Obamacare and

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Covered California Confusion

Covered California Confusion

Covered California Confusion   In the past year, we have had a lot going on with our healthcare laws. When President Trump took office, that was one of the first issues that came to the forefront. From that point on we saw new health care bills being written, each one being scrutinized, debated, and ultimately dismissed. At this point, if any average American was asked what is going on with healthcare, I believe that the majority of them will respond with “I don’t know.”   The greatest takeaway that we have received from this healthcare upheaval is more confusion. And that is unfortunate. Many Americans are unclear if it is worth it for them to sign up for healthcare. Especially with the news that subsidies are being cut and therefore premiums are going to skyrocket. This is what we can say. You will not know your premium until you look

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Active during fall and winter

Why You Should Be Active In The Fall And Winter

Why You Should Be Active In The Fall And Winter   Sometimes when Fall and Winter come, we tend to start to behave as though we are bears. No, not in that way. But some of us will want to pack on the layers and get ready for winter hibernation aka nesting under the covers. And trust us, we get the appeal. However, that mindset can hurt your health in the long run. Here are some reasons why you should be active during the fall and winter:   It helps your mood. Getting a bit of sunlight gives you vitamin D which is just one way that you can help fight off seasonal affectedness depression or SAD. If you don’t know about SAD, you can read about it one of our previous blogs here. Also, when you work out, you’re releasing endorphins which also help raise your mood. There’s something

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Don't Lose Your Beach Body

Don’t Lose Your Beach Body

You worked hard for that beach body. Hours at the gym, making sure that you ate food that was fueling your body and not packing on the pounds! But fall is here, and winter is coming *cue game of thrones theme song here*. And sometimes that is a natural excuse to let yourself fall into bad habits. We can start to indulge in not working out as much because it’s colder now or allowing ourselves have a second helping of dessert because apparently, this is the season for baked goods and candy. But here are some suggestions to help you keep fit during the fall and winter: Join a Gym Some of you may already have your gym membership, but for those who don’t, having a membership can be a great motivator. This is especially helpful if you purchase a few one and one sessions with a trainer. They can

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