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6 Tips For Smart Grocery Shopping

6 Tips For Smart Grocery Shopping

Are you tired of being surprised at the total each week at the grocery store checkout counter? Grocery shopping does not have to empty your pockets in order to satisfy your family. Keep these 6 helpful tips in mind to save big and start shopping smart at the grocery store:

  1. “Loss Leaders” are the grocery stores way of getting shoppers into the store. Typically, they choose meat products as loss leaders because they located in a place that encourages shopping of other products. Take advantage of this opportunity and purchase meat products at 50-75% off! Freeze the meat so that you always have diverse, cost-effective meat products for your family dinners.
  2. Take advantage of the bulk aisle and salad bars for smaller items that are typically more expensive such as nuts and olives.
  3. Pay attention to prices when picking out your produce. If the produce is priced by unit, go for the heavier items. If the items are priced by weight, grab the smaller product.
  4. Try to be flexible when it comes to the brands you use. There are a variety of products that go on sale, you just have to be accepting of the brand.
  5. Take advantage of the manager’s specials, but be careful. Avoid purchasing meat that might be spoiled in a day or so. Rather, stick to bread products. You can pick up a few loafs of bread and freeze them.
  6. Consider taking advantage of couponing! Everyone’s doing it! There are a variety of phone applications that will make couponing easier, organizing everything for you.

Weeks & Associates Insurance encourages you to take advantage of all that our beautiful community has to offer. We are committed to maintaining the highest standard of integrity and professionalism when it comes to our relationship with you. Contact us today and allow us to formulate a unique homeowners’ insurance package based on your family’s distinct needs.

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8 Tips for First Time Apartment Renters

8 Tips for First Time Apartment Renters

Looking to rent an apartment for the first time? This is a big step that requires careful planning and consideration. Keep these 8 helpful tips in mind to make for a successful first renting experience:

  1. Apartment hunting has never been easier. Utilize the various online sources for apartment hunting and be sure to look at customer reviews as well.
  2. Before you start hunting, be sure to check your credit score. If there are any errors, be sure to fix them immediately. If necessary, take this time to start building your credit score.
  3. You must sit down and budget exactly how much you can spend on rent each month. Make sure to take into account food, utility, bills, insurance, etc.
  4. When apartment hunting, be sure to filter out your options based on your unique needs.
  5. You may want to talk to your potential neighbors about how they like living in the area. Neighbors are likely to tell you any deal breakers right from the start because they do not have an invested interest.
  6. Hire a moving company the second you sign the contract, especially if you will be moving during the summer months.
  7. Don’t leave your personal belongings vulnerable to loss, and purchase a renters’ insurance policy. Renters’ insurance is one of the least expensive forms of insurance and will provide you with a bountiful of coverage.
  8. Most importantly, enjoy this new chapter of your life and make the most of it! It’s time to relax and enjoy your new place.

Here at Weeks & Associates Insurance we are committed to maintaining the highest standard of integrity and professionalism when it comes to our relationship with you. Contact us today and purchase your first renters’ insurance policy!

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How To Gain Control if Your Brakes Go Out

How To Gain Control if Your Brakes Go Out

One of the most terrifying experiences as a driver is having your brakes fail while on the road. While panicking may be your first instinct, it is important that you remain calm and follow these safety steps to control the situation:

  • Most importantly, don’t panic. You must remain calm so that you can safely get off of the road.
  • Most cars have a dual braking system. Therefore, you may be able to gain a little bit of control back, unless both halves of the system have failed. Try to apply strong and consistent pressure to the brakes to see if you can at least slow the car down.
  • Start reducing your speed. If you have an automatic car, you can slow down by keeping your foot away from the accelerator. If you are driving a manual car, you can shift down the gears to slow the vehicle down. If neither of these options work, you can use the emergency brake with caution.
  • Next, safely start maneuvering to the slow, or right lane. Turn your hazard lights on and slowly move over.
  • Once you have reached a slow speed and are in a safe location away from oncoming traffic, start using your emergency brake to stop completely. Be careful in doing so, and release pressure if you begin to swerve at all.
  • Do not turn your car off until you have stopped to prevent limited power steering.
  • Once you have safely pulled over, stay safe and remain out of the way of oncoming traffic. Seek professional assistance.

Weeks & Associates Insurance encourages you to take advantage of all that our beautiful community has to offer. We are committed to maintaining the highest standard of integrity and professionalism when it comes to our relationship with you. Contact us today and allow us to formulate a unique auto insurance policy based on your needs.

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139th Annual Ventura County Fair

139th Annual Ventura County Fair

The long anticipated Ventura County Fair is returning! The 139th Annual Ventura County Fair will be available for all to enjoy Starting on July 30th until the 10th of August. This year’s theme is “A Country Fair with Ocean Air” and will of course, take place at the Ventura County Fairgrounds. Mark your calendar and make it out to at least one of these amazing days at the fair!

Admission Information:

General Admission:

Adults (13 – 64) $12

Children (6-12) $9

Seniors (65 and older) $9

Children (5 and younger) FREE (must be accompanied by an adult)

Special Admission:

Opening Day, Wednesday, July 30th - $1 Admission until 3:00pm

Thursday, July 31st Feed the Need “Fair Cares” Food Drive – Receive a free return admission ticket when you donate 5 cans of food for the food drive with your adult ticket

Friday, August 1st Youth Day – Children 12 and under will be able to enjoy the fair for free for Youth Day!

Tuesday, August 5th Seniors/Persons with Disabilities Day – Free admission for seniors and individuals with disabilities all day long.

Wednesday, August 6th $3 Before 3 Day

Thursday, August 7th Military Appreciation Day – All military personnel holding a valid military ID will be admitted free of charge.

2014 Ventura County Fair Entertainment Lineup:

Thursday, July 21st The Beach Boys at 7:30pm

Friday, August 1st Little Big Town at 7:30pm

Saturday, August 2nd The Spinners at 7:30pm

Monday, August 4th Barenaked Ladies at 7:30pm

Tuesday, August 5th Tony Orlando at 1:00pm

Tuesday, August 5th Deep Purple at 7:30pm

Wednesday, August 6th Seether at 7:30pm

Thursday, August 7th Jake Owen at 7:30pm

Saturday, August 9th PRCA Rodeo at 2:00pm & 7:00pm

Sunday, August 10th PRCA Rodeo at 2:00pm & 7:00pm

Weeks & Associates Insurance encourages you to take advantage of all that our beautiful community has to offer. We are committed to maintaining the highest standard of integrity and professionalism when it comes to our relationship with you. Contact us today and allow us to help you in all of your insurance endeavors.

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Staying Active All Summer Long

Staying Active All Summer Long

While summer is a time for relaxing and taking a break from the typical routine of life, it is important that we do not let our children’s brains and minds become idle during this off time. Physical fitness can be enjoyable and provides numerous physical benefits, crucial for healthy growth and living. Take these helpful tips into consideration to add physical activity to your family’s summer activities:

  • Plan two days a week where you and your family bike together. Cycling offers amazing health benefits and is a good habit to get your children acquainted with. During the school year, consider cycling with your children to and from school.
  • Participating in a walk or run for charity is the perfect way to boost morals and encourage your children to take part in life changing activities. Your children will not only get some exercise in, but they will also feel great doing so. Consider picking a charity event that hits closer to home or pick a cause that affects one of your family members.
  • Summer club leagues are a great way to get your children ahead of the game and meet new friends while exercising. Whether you choose to enroll them in a soccer, football, tennis, or swimming summer league, they will be able to learn more when many of their competitors will be relaxing all summer long.
  • Plan a weekly beach day with the entire family. The beach allows for exercise and fun in all areas. Your children can enjoy swimming, surfing, running, walking, playing, and plenty more. Pack a yummy, healthy picnic so the fast food vendors aren’t too tempting.

Weeks & Associates Insurance Services is available to help you will all of your health insurance needs. Contact us today and we can help ease the insurance shopping process for you and your family.

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Insuring Your Pool & Avoiding Pool Liability

Insuring Your Pool & Avoiding Pool Liability

As a pool owner, you take on more responsibilities and more risks than the typical homeowner. As so, your insurance provider will have specific requirements that your pool and its fencing must abide by in order to insure your property to avoid any pool liability. Each state varies on fencing requirements but these measurements and rules are typically the rule of thumb. Take these helpful recommendations to ensure your pool’s safety:

  • The height of your pool should be at least 4 feet tall. The United States Consumer Product Safety Commission requires a fence of 4 feet or taller. If you have dogs that can jump high or mischievous children, you may want to add an extra foot or two.
  • While you can choose to install removable or permanent fencing, permanent fencing will last longer and provide more benefits. Removable fencing can easily be damaged during repetitive moving.
  • Every state requires that your gate opens outward away from the pool. They must also be self-closing and self-latching.
  • There are a variety of materials you can choose for your fence. You may not want to install a fence because it goes against all of your exterior designing but with so many available materials you should be able to find that one that ties perfectly with the rest of your yard. Wood, vinyl, aluminum, tempered glass, wrought iron, and mesh are all materials that are less susceptible to damage and will provide security around your pool.
  • You may also want to install an automatic rigid pool cover device to add an extra layer of security. This will also provide benefits during the winter, helping you keep your pool clean with little maintenance required.

Weeks & Associates Insurance Services is available to help you will all of your homeowners insurance needs. Contact us today and we can help guide you through the insurance shopping process. We are always available to answer your insurance questions.

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Rental Property Insurance 101

Rental Property Insurance 101

Many individuals chose to rent out their homes for a variety of different reasons. You may be interested in renting out your second home or vacation home to a tenant or you may just want to rent out a single room in your primary home to a student. No matter what your renting interests are, it is important that you call your insurance company before finalizing any transactions. Take these helpful tips into consideration to determine your next course of action based on your particular rental situation:

Short-Term Rentals of your Primary Residence

There are two insurance scenarios for those renting out their primary residence for a short period of time. A short period of time typically consists of a week or a few weekends. The insurance coverage you need to obtain will depend on your insurance company’s preference. Some insurance companies will offer you a short-term rental policy or an endorsement. The endorsement will act as an attachment to your existing homeowners or renters insurance policy.

When renting out your primary residence to various people for a short period of time on a frequent basis, you act as a business. This type of rental requires a separate business policy. You may need a hotel or a bed and breakfast insurance policy.

Long-term Rentals of your Secondary Residence

When renting your second home for a longer period of time (Typically 6 months to a year) you will need a landlord or rental dwelling insurance policy. Your landlord policy will be more expensive than a standard homeowners insurance policy but will offer additional coverage necessary when renting out your home.

Weeks & Associates Insurance Services is available for all of your personal and commercial insurance needs! Contact us today and we can help guide you through the process of insuring your rental property. We are always available to answer your insurance questions.

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Happy 4th of July from Weeks & Associates Insurance Services!

Happy 4th of July from Weeks & Associates Insurance Services!

Fourth of July is a time for celebrating America’s independence and enjoying the company of family and friends. While many celebrate by attending firework celebration shows, few know that this tradition was the dream of John Adams. After the Declaration of Independence was signed in 1776, John Adams hoped Americans would celebrate with a display of fireworks. The Conejo Valley is home to some of the most enjoyable 4th of July events for your enjoyment:

Janss Marketplace in Thousand Oaks

This annual event brings families and friends together for a FREE firework viewing. The festivities begin at 5pm and the Beatles tribute band, Ticket To Ride, will be performing from 6pm-9pm on the parking lot rooftop. The Fountain Courtyard will have a DJ performing all night long. The winner of the Hot Dog Eating contest at Lucky’s Dog House will win $500 and a year’s supply of hot dogs!

4th Annual Miller Family YMCA 5k/10k, Classic Car Show & Parade

Bring the kids down for some family fun before all the nighttime 4th of July festivities begin! Stop by the Dos Vientos section of Newbury Park on the morning of the 4th of July and enjoy the parade, classic car show, and get some exercise in before you win the Hot Dog Eating Contest at Lucky’s Dog House later that evening!

Los Robles Free Fireworks Viewing Event

With live music, a full bar, food booths, and fireworks there is plenty of fun to be had for each member of your family. This free event begins at 5pm. All you need to bring is your lawn chairs and blankets for the fun to begin!

Weeks & Associates Insurance Services wishes you a safe and Happy 4th of July celebration! Contact us today for all of your Thousand Oaks insurance needs. We are always available to answer your insurance questions.

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Add Extra Protection for Your Business with Excess Liability Insurance

excess liability insurance - thousand oaks As a business owner you probably have heard of the term excess liability insurance and if you have not, it might be a good idea to keep reading. Every business insurance policy can be designed using different layers and levels of coverage. The amount of coverage a business needs depends greatly upon the type and size of the business. Excess liability insurance adds extra layers of protection for businesses of all sizes.

In some cases, depending upon the incident, the final judgment may exceed the liability limits of a traditional business insurance policy. When your current business owners insurance policy does not cover everything or give enough benefits for the needs of the business, an excess liability insurance policy will pick up the rest.

Excess liability insurance provides the following additional coverage:

  • Protection from claims
  • Personal liability coverage for incidents at your business
  • Additional layer of coverage for all work vehicles
  • Protection against non-business related liabilities, such as slander, libel and wrongful conviction
  • Legal defense costs

Take some time to speak with an insurance agent to determine the amount of excess liability your business needs. For more information about your business insurance needs contact Weeks & Associates Insurance Services. We have offices in California and Idaho.

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Who Needs Business Insurance?

Thousand Oaks Small Business Owners InsuranceSmall business owners may not have as many employees or clients as large corporations, but that does not mean they live a worry free life. When it comes to owning a small business, there are many factors to consider on a day-to-day basis. Making sure you are covered with the proper business insurance can help ease your mind of any problems your business might face.

There are over 28 million small businesses in America. All of these small businesses employ one-third of the population. Almost 50% of small business owners think that they will expand their businesses in 2014.

There are many issues with the business of doing business that business owners have to deal with every day. These can range from internal issues such as talent management, or recruiting and retaining staff or functionality and reliability of technology. There are also many outside factors to deal with, some which are much larger than the company itself. There can be issues with government regulations, taxes, and healthcare reform. There can also be concerns with financing and the decreasing ability to acquire funds. Most small business owners find customer acquisition and retention to be the biggest concerns.

When it comes to business insurance claims, there are three major claims that small businesses file. Accounting for 25% of claims is loss of company data, usually through an issue reported with a computer. The other two major claims are loss of income when a small business closes, and damage to the building or the contents from disasters such as fires or earthquakes.

Small business insurance can help provide security for small business owners as well as the business itself. When it comes to finding the best business insurance at highly competitive prices, contact Weeks and Associates Insurance Services. They can make sure you get the best insurance to best fit your company’s needs.

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