Luxury YachtThe Palm Beach International Boat Show is quickly becoming one of the top shows in the world. After all, who doesn’t want to spend a week in sunny South Florida? It’s no secret that one of the highlights of any boat show is getting to see some amazing yachts up close and personal. While you may not be able to go on-board these vessels, getting to see them in person can give you a new appreciation of the size of these boats, and offer a new respect for the entire crew that it takes to keep everything running in check.

Below is a list of the 6 largest yachts to look for when attending the Palm Beach International Boat Show which takes place March 17th-20th, 2016. It should be noted that it is common for yachts to change plans at the last minute, so there is a possibility that some of these vessels may decide not to attend the boat show. Therefore this list may not be 100% accurate at the time of the show.

“Solandge”

“Solandge” will be the largest superyacht at the show, and should be on every attendee’s list to see. Built by Lurssen, she measures in at a 280 feet long, almost the size of a football field! See her at PHD; Slip 302C-D, 300D-E where she will be displayed by Moran Yacht & Ship, whose headquarters are Fort Lauderdale.

“Silver Fast”

This 252 foot vessel was built by Silver Yachts in 2015, and is the largest and fastest aluminum motor yacht with conventional propulsion in the world! Her exhibitor is Burgess and will be located at PHC; Slip 210-212, 219-222A.

“Northern Star”

“Northern Star” was the largest superyacht at the Fort Lauderdale International Boat Show. For anyone who wasn’t able to attend in November, should make a point to stop by and check out this vessel which is a whopping 247 feet long and was built by Larssen. See her at PHD; Slip 302C-D, 300D-E where she will be displayed by Moran Yacht & Ship.

“Positive Carry”

Feadship is the builder of this 204 foot vessel. The location of “Positive Carry” will be PHD; Slip 302C-D, 300D-E and her exhibitor is Moran Yacht & Ship.

“Sealyon”

This 203 foot vessel was built by Viareggio in 2009, and is the last of the superyachts above 200 feet long. See her at PHD; Slip 207-208 G-I, where she will be displayed by International Yacht Corp.

“Illusion”

This mega-yacht was built in 1983 by Feadship. “Illusion” is 183 feet, and can accommodate 12 guests. The Exhibitor is Burgess, whose headquarters are in New York City, and will be located at PHC; Slip 210-212, 219-222A.

Make sure to be on the look-out for Mark Bononi, JW Haagensen, and Clayton Swart as they will be at the Palm Beach International Boat Show representing MHG Insurance Brokers, and helping anyone who has questions regarding their insurance!

Boat shows can often be a time where crew members to jump ship. Make sure that you maintain proper coverage through the process. Read our previous blog, “Yacht Crew Insurance Options While You are Between Jobs”, for guidance on what options may be best for you. Our insurance specialists have the knowledge and experience to find the policy that works best for you. If you are interested in purchasing or have any questions about yacht crew insurance or travel insurance, or would like some advice, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. Don’t forget, the Fort Lauderdale International Boat Show is almost here, see you there!

The Palm Beach International Boat Show begins today!

Mark Bononi - high resThe bottles are popping! The champagne is flowing! The confetti is falling! MHG is celebrating its 25th anniversary this year, which means it is time to get this party started!

MHG Insurance Brokers has been serving the marine industry, businesses, and groups and individuals around the world since 1991. Reaching this milestone is no small feat, and makes it a perfect time to look back and do some reflecting. What better way to do that than by giving some insight into the history of MHG and its employees?

A lot goes into a business lasting 25 years. Even more goes into a business experiencing success and continuing to grow during that time. While much of it can be attributed to a company’s philosophy, structure, and culture, a business is nothing without the people who execute that philosophy and help create a one of a kind culture. Here at MHG, we are an extremely diverse bunch. Many of us are from various countries, involved in several community organizations, and from different career backgrounds. It takes a special group of people to make insurance fun, which is why you should get to know us!

So, let’s get to know the Director of our Luxury Yacht Division, Mark Bononi!

Mark’s MHG Timeline

Mark has been with MHG for almost 11 years. Hired in June 2005, his first position at MHG was as Account Assistant in the Cruise Division. Within a few months, he transitioned to the same position in the Luxury Yacht Division. After proving to be a valuable member of the team by going above and beyond for clients, Mark was promoted to Director of the Luxury Yacht Division, which is the position he still holds today.

The Luxury Yacht Division has experienced a great deal of success under Mark’s leadership. Today, MHG insures 5 times as many yachts than when Mark originally took over several years ago. This includes over 20% of the top 200 largest yachts in the world!

Community Involvement

One of Mark’s many passions is community involvement. He is a regular volunteer at several charity and community events. We can also thank him for the Spin-a-thon, as he played a key role in helping organize the event which raises money for the Marine Industry Cares Foundation. Other organizations he continues to be involved with are Kids in Distress and Children’s Diagnostic and Treatment Center. His strong work ethic and his passion for charity and the community is one of the many reasons Mark is well respected in the marine industry and within local businesses.

Mark was elected to USSA board of directors as membership chairman and served 6 years. Other organizations he has been associated with include International Superyacht Society, Florida Yacht Brokers Association, Marine Industry Association of South Florida, and the Fort Lauderdale Mariners Club.

Service

Mark is committed to customer service, and has continued to make sure clients receive the highest level of support. He is an amazing advocate for crew and is insistent on helping clients through claims. He also is passionate about educating on health insurance, which includes weekly appearances at yacht crew training schools.

To hear some insurance advice from some of our employees, read our previous blog, “If You Could Give One Piece of Advice to Your Clients, What Would it be?” MHG is here to help and provide assistance with all of your insurance needs. Whether you are looking for marine crew insurance, health insurance, life insurance, travel insurance, expatriate insurance or insurance for your business, we have the experience and knowledge to help you find the right policy. Please contact us at +1 954-828-1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. Let our insurance specialists find you, your family, or group, the best insurance available for your budget.

MHG is celebrating it's 25th anniversary! It takes a special group of people to make insurance fun, which is why you should get to know us!

world in my handsAre you looking to move and start a new life? Becoming an expatriate is one of the best ways to make a new start. Moving to a new country, creating a new home, making new friends, it can be a very fulfilling experience. One of the hardest decisions can be deciding where to move. After all, the world is a big place and it can be difficult deciding on one location. So if you are looking to make the big jump but are having trouble deciding on where to go, use the list we complied of some of the top places to be an expat!

Ecuador

According to InterNations, Ecuador is the highest ranking country in the world for overall satisfaction of expatriates. Although the language barrier can be difficult to overcome, it can be very easy to make new friends in Ecuador. It also offers a low cost of living, with growing downtown areas in cities such as Quito and Guayaquil which is creating a plethora of job opportunities.

Switzerland

Switzerland is notorious for having some of the world’s best banks and financial companies. With so many foreigners investing in their financial industry, it has helped create a high standard of living. English is commonly spoken helping to make it easier to adapt and settle down. Switzerland is also full of crystal clear lakes and beautiful mountains which makes it perfect for those who love the outdoors and wish to live an active lifestyle.

Singapore

One of the biggest draws for expats going to Singapore is the opportunity to earn a higher salary. A higher salary may be needed for those with children, as schooling here can be quite costly. Even though schooling is costly, it may be well worth it as Singapore is home to some of the best schooling in the world. Some other great benefits of living here are a great public transportation system, a stable economy, and low tax rates.

Canada

Oh Canada! Canada is a beautiful country that can offer wilderness and one of a kind natural beauty, and also appease to those who wish to live in a metropolitan area. One reason expatriates may be drawn to live in Canada is their national healthcare system. While the majority of Canadians speak English, Canada has a multicultural population with a plethora of friendly locals to help make it easier to settle in to your new country. Just make sure you pack some jackets!

Thailand

Who wouldn’t want to live in a tropical climate? Or in a place that is home to some of the world’s most beautiful beaches and islands? Aside from Thailand being an exotic location, there are many benefits for expats besides the tourist attractions. Some benefits include a low cost of living and a friendly tax system. Also, Thailand’s capital city, Bangkok, offers plenty of employment opportunities to expatriates.

Australia

Many people who visit Australia never want to leave. This could be why there is such a large number of expats living there. Australia offers people a great quality of life, breathtaking landscape and wildlife that can’t be seen anywhere else in the world, and we can’t forget the beautiful beaches. Think about it, how cool would it be to say that you live “down under”?

Moving to a new country can be an amazing experience, however if you decide to move back home there are some things you should be aware of. For more, read our previous blog, “What to Expect When Repatriating”. For those that are preparing to move to a new country, read our Expat Checklist for a to-do list to complete before the big move. If you are interested in more information about Expatriate Insurance, or are interested in purchasing Expat Insurance, contact us at +1 954-828-1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com for help finding expatriate insurance coverage for you, your family or group!

The world is a big place and it can be difficult deciding on one location. So if you are looking to make the big jump to become an expat, use this list we complied of some of the top places to be an expat!

Golf Ball near holeFour! Are you ready for a golf getaway?

Golf is one of the most popular sports in the world, and often times one of the few activities that can be associated with business and leisure. Some of the largest business deals have taken place on a golf course. In fact, golfing is one of the few sports that can be the purpose of a trip or vacation. Many of those who play regularly dream about playing on certain courses around the world. It might be time for you to start panning a golf getaway at one of these amazing places!

1. Scotland

Those who follow golf know that Scotland is the birthplace of the sport. Scotland is also home to the most famous golf course(s) in the world, St. Andrews, which is also considered the home of golf. St. Andrews has hosted The Open Championship, also known as the British Open, a whopping 29 times! What golfer wouldn’t play the same course that many of the world’s best play?

Don’t forget about all that Scotland has to offer outside of golf. Bagpipes, scotch, kilts, seemingly endless rolling hills, you’ll be sure to enjoy every moment on the course as well as off.

2. Ireland

Everyone celebrates St. Patrick’s whether of Irish decent or not. Maybe it’s time you go experience the home of the Irish this St. Patrick’s Day! Ireland is home to the K Club, which should be on every golfers list. With two courses designed by none other than Arnold Palmer (the person, not the drink), you’ll feel right at home when stepping onto the green.

3. South Africa

Many people associate a trip to South Africa with safari tours, and wildlife expeditions. But did you know it can also be a top golf destination? South Africa is home to one of the world’s famous courses, Francourt. Francourt has hosted several prestigious tournaments including the President’s Cup! Where else in the world can you go play a round of golf, then go on a safari?

4. New Zealand

Many people consider New Zealand home to the some of the jaw dropping natural beauty the earth has to offer. You can see and experience landscape and scenery that looks straight out of a movie. Could you imagine playing a round of golf surrounded by all of that beauty?

Try playing a round or two at Kinloch, the only golf course in New Zealand designed by arguably the greatest golfer of all time, Jack Nicklaus!

5. Hawaii

Who needs an excuse to go to Hawaii? It’s a top destination for any vacation, but when golf is involved, it should only climb higher up the list. This group of islands in the middle of the Pacific Ocean is home to a very famous course that many who follow the sport may have heard of, Turtle Bay. Designed by Arnold Palmer and Ed Seay, Turtle Bay has hosted many tournaments and is on many golfer’s “golf course bucket list.”

For more help when traveling overseas, read our previous blogs, “Tips for Traveling Abroad” and “5 Tips for Surviving Your Next International Flight.” We wish you safe travels along your journey. If you are interested in purchasing travel insurance, or have any questions or concerns, please contact us at +1 954 828 1819 or +44 (0)1624 678668 or visit us at mhginsurance.com. Our insurance brokers have the experience to assist you in selecting the right plan for you, with the best value.

Golf is one of the most popular sports in the world, and the setting for many business deals. Find out where you should plan to play!

appealHave you ever found yourself in a situation where your health insurance isn’t covering what you expected it would? Sometimes mistakes are made, and just because your insurance carrier isn’t paying for something, doesn’t always mean that you will be left to foot the bill. There are steps that you can use to take action and to ensure that you receive the coverage you purchased. By filing an appeal or disputing a health insurance claim, you can hopefully change the outcome. Filing an appeal can sometimes feel like a daunting task and can seem like a hassle, but by following these tips, we hope to ease the process for you, so you know what to expect.

1. Read Your Policy

The most important thing that you can do when you are filing an appeal to a health insurance claim is read your policy. You should read your policy when you purchase it, then re-read from time to time so you are refreshed on the breakdown of your coverage. It’s also a good idea to review your policy before having any procedure. Doing so could help avoid a situation where you need to file an appeal. It’s also important to assemble all important paperwork, and keep an organized record of the details of your case (Who, what, when, where, why, how).

2. Try to Have a Main Contact at the Carrier

Having one contact can make the process easier for you. By doing this, you will not have to keep explaining your case to every person on the phone. Also, you may be able to build some rapport with your contact, which may inspire them to go above and beyond to help you.

3. Be Patient Approach in the Right Manner

Patience will be required whenever filing an appeal as the process can take some time. The insurance company will conduct extensive research to determine if your appeal is worthy. Going into the situation knowing that the process can take some time may help you with expectations. It’s also important to approach the situation in the right manner. In many situations in life, handling something in a positive, respectful manner can get you a lot further than having a negative attitude or having a chip on your shoulder.

4. Contact Doctors and Hospitals

Be prepared to contact doctors and hospitals, and do a little bit of investigating on your part. You may come to find that there was an issue with the provider and it was just a simple error.

5. Act fast

When filing an appeal, there may be a limited time that you have in order to file. Similar to a return policy when you buy at a retail store, you may only have a certain number of days to make an appeal.

Beware

If your claim appeal is with a network provider, by contract the insurer usually can only pay the network provider, not you. So if you pay the bill and are awaiting reimbursement, it can be complicated. Also, if you decide to not pay any bills and wait for the appeal process to finish, your credit may take a hit. Talk to your doctor or office that you are working with and let them know the situation. Try to keep them from sending your outstanding bills to collections.

If you have any more questions about what steps you should take when filing an appeal, please feel free to ask us or comment below! Having proper insurance is important whether you are at sea, or docked at a shipyard. MHG is your specialized broker when it comes to crew insurance. Our insurance specialists have the knowledge and experience to find the policy that works best for you. If you are interested in purchasing, or have any questions about yacht crew insurance or travel insurance, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. For more information on common yacht crew insurance terms, read our previous blog, “Yacht Crew Insurance Terms 101.”

Filing an appeal can sometimes feel like a daunting task and can seem like a hassle, but by following these tips, we hope to ease the process for yacht crew so they know what to expect.

droneTechnology has come a long way over the past few decades. Remember when the only “remote controlled” thing you saw was a toy car? Now it seems everything can be remote controlled, including drones!

From kids to adults, drones seem to be all the rage today. Walk through most neighborhoods on a Saturday afternoon and you will likely see someone flying a drone around. Companies like Amazon are even testing them to see if they can be used to deliver packages right you your house! And we’ve all heard the horror stories of people having their privacy invaded. They are even being used by the military. While drones are an amazing piece of technology, they still have the potential to cause damage, which is why you should consider getting proper insurance coverage to protect you and/or your business.

Is Insurance Mandatory?

While there is yet to be any mandates for insurance requirements to operate a drone, if you are using it for a commercial purpose, you must assume that at some point clients and others will want to see certifications that you are properly insured for every part of your business, which would include the drones. Not to mention, if any of your drones do cause damage, your company would be responsible for the damages. Part of running a good business is making sure all of your liabilities are covered.

Am I Already Covered in my General Liability Policy?

While general liability policies cover an extensive amount of your business, they typically do not provide coverage for aviation exposures. While many don’t consider drones to be dangerous, or part of the “aviation” community, if damage is caused to property or a person, legal action can be taken.

Is There Insurance for Personal Use?

Depending on the language of your policy, your homeowner’s insurance policy may provide coverage for recreational or personal use of a drone. Most homeowner’s insurance policies cover personal property, and since drones aren’t used to fly people or cargo, they may be included in your policy.

A larger cause for concern is the liability for damages that is caused by your drone, such as crashing into a window or a car. Physical damage isn’t the only liability you should be concerned with, as you should also look for coverage to protect yourself in case someone pursues an invasion of privacy claim, which should fall under personal injury. If you took a picture using your drone, and your neighbor felt that their privacy was violated, there is a chance they can file a claim against you.

If you own a business, and are looking for protection and would like more information about business insurance coverage, we would be happy to assist you. Also, if you are looking to purchase various forms of business insurance such as General Liability or Professional Liability, our insurance specialists have the experience to assist your business and offer advice in finding the perfect plan to fit all of its needs. For more information about the importance of umbrella policies, read our previous blog, “Why Business Owners Need an Umbrella Policy.” Contact us today at +1 954-828-1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com.

Drones seem to be all the rage these dyas. But do you know the liabilities that come with them? Read more for drone insurance coverage.

Almost 25 years ago, protestors in Prague, Czech Republic staged the “Velvet Revolution” which helped bring down the communist regime. Since the transition, Prague has become a top destination for those looking to experience a part of Europe that is truly one of a kind. Today, the capital of the Czech Republic is a cosmopolitan city with cozy and chic cafes serving delicious Czech foods like dumplings or fried cheese, Gothic cathedrals with architecture dating back thousands of years, and plenty of museums showcasing the incredible history of the region. Prague also is home to world famous nightlife. There are bars all around the city that you can pop into for an authentic Czech beer, or go clubbing at some of the various spots such as Cross Club or Bunkr Parukarka.

 

For those that don’t remember, the end of last year we wrote a blog, “The Top 5 Places to Visit in 2015.” Number five on that list was Prague, Czech Republic!

 

Prague Castle

One of the largest castles in the world, Prague Castle can take days to fully explore and appreciate everything it has to offer. Easily the top tourist destination of Prague, it was once the seat of power for the Kings of Bohemia and Holy Roman Emperors, and is still the home of the Crown Jewels of Bohemia. Today it is the seat of power for the President of the Czech Republic.

The Castle and grounds are made up of a plethora of different buildings varying in architectural styles ranging from the 10th to the 14th century. Walking through the grounds will put you right into the medieval times as you surround yourself by ancient buildings and walk along cobblestone streets. Some of the world famous buildings and attractions that make up the castle include St. Vitus Cathedral, Old Royal Palace, and St. George's Basilica. Many of the attractions warrant a visit, so plan accordingly when developing your itinerary in order to make the most of your time.

 

Old Town Square

Old Town square is a historic area located in the heart of Prague. The square is lined with gothic style buildings such as the Church of Our Lady before Tyn and the Church of St. Nicholas and statues such as the one of Jan Hus. A common theme throughout Prague is the historic feel from the older buildings and roads, which there are no shortage of here. One of the truly amazing attractions in the Old Town Square is Prague Orloj, an astronomical clock that was built in 1410. It is the third oldest astronomical clock in the world, and the oldest one that is still operating.

 

Charles Bridge

Charles Bridge is a famous bridge in Prague that crosses the Vltava River. Construction began in 1357 under the order of King Charles IV. The bridge is lined with 30 Baroque statues of religious figures, totals 16 arches and is 1,700 feet long! Take a stroll along the cobblestone and experience the amazing culture of Prague, as vendors line the bridge selling hot dogs, making jewelry, and painting beautiful scenes that you will surely want to hang up on your wall at home to forever capture a breathtaking site.

 

Museums

Prague is a very historic city, with much of its history dating back thousands of years, which is music to the ears of culture buffs looking for new experiences. With so much historic relevance from the area, it’s no wonder Prague is home to a variety of museums that should be on your itinerary. Visit the Prague Jewish Museum and learn about the Jewish heritage of the area and see some priceless artifacts of the Jewish community. If you’re looking for something unique to do, you can visit the Prague Beer Museum to do some tasting of Czech Republic Lagers. Other museums you may want to consider visiting include the National Museum, the Museum of Communism, and the Prague National Gallery.

 

Dancing House

If you are looking for a break from the historic buildings and museums around the city, make sure you visit the Dancing House, or Fred and Ginger. This quirky, and unique piece of architecture has gotten a lot of attention since its construction completed in 1996. Much of it because it doesn't match or blend in to the surrounding Gothic and Baroque architecture. The building was built by Vlado Milunic and Frank Ghery, and was given the nickname Fred and Ginger by Ghery after the famous dancers Fred Astaire and Ginger Rogers because the house resembles a pair of dancers.

 

Now that you know where your next trip will be, don’t forget to protect yourself by getting Travel Insurance.  Visit mhginsurance.com or call +1 954 828 1819 or +44 (0) 1624 678668 for help in selecting the plan that fits you best. Check out our previous blog, “Tips Everyone Should Follow When Traveling Abroad,” as it is important to have proper travel insurance coverage in case of an unexpected emergency while traveling abroad. Our insurance specialists have the knowledge and experience to offer advice or help select the best insurance plan for your needs. Safe travels!

Discover the Sights and Sounds of Prague

It’s that time of the year! That time where everyone looks back on the past year and makes changes for the upcoming one. Whether it is taxes, budgets, even weight loss, the motto is “out with the old, in with the new!” However, you may have not originally thought to review your life insurance policy. It’s always a good idea to review any insurance policy periodically, but the end of the year brings a perfect time to look at your current policy, and see if it still offers the coverage you need.

 Do You Have New Dependents or Family Members?

A lot can change over the course of a year, especially when it comes to relationships and families. Did you get married? Did you have children? Do you have new dependents in your life that may need to be made a beneficiary of your life insurance policy? These are all questions you should ask yourself when reviewing your policy. Also, maybe you need to increase the overall value of the policy to account for new dependents.

Did You Have Any New Major Purchases or New Debts?

Many times, people decide on the value of their life insurance policy based on their outstanding debt. For example, if you have a mortgage of $200,000, it would be smart to include $200,000 in your calculation for your life insurance to cover the cost of the house if something were to happen to you. Purchases such as buying a house, buying a car, starting a business are all ways to increase your debt, and should be taken into consideration when deciding the value of your policy.

Did Something Change at Your Job?

There are scenarios of changes at the workplace that should give you a reason to review your life insurance policy. One is if you were to start a new job. There is a chance that your job offers employee sponsored life insurance based on your salary. This is a great benefit to have, so take the amount of coverage provided into consideration if you are purchasing a policy.

If you didn't start a new job, there are still changes that may have occurred over the past year that warrant a policy review. Getting a raise may give you more expendable income to increase your policy value. Also, if you received a promotion, there may be changes to the benefits provided to you such as the value of your life insurance policy.

Did You Move?

Moving always seems to bring more changes to someone's life than they originally expected. If you moved to a foreign country, there is a strong possibility that your life insurance coverage didn't follow you to your new home. Many life insurance policies are only covered in the country of purchase. However, it should be noted that there are several options for international life insurance coverage. If you would like more information on international life insurance, read our previous blog "Your Life Insurance May Not Have International Coverage".

Our wellness and security is important to us. For other things to consider with the New Year right around the corner, read our previous blog, “Learn Why the Start of a New Year is Important to Your Insurance Benefits”. Whether you are purchasing life insurance for the first time, looking for better coverage or are interested in learning more about other types of insurance available to you, we can help! Visit our website at www.mhginsurance.com or speak with an Insurance Specialist at 954 828 1819. Don’t forget the deadline to enroll in a full-time health insurance plan is January 31st, 2016!

When Was the Last Time You Reviewed the Amount of Your Life Insurance Policy?

Many people consider the "Holiday Season" their favorite time of the year. With so much going on from decorating the house, to baking treats, and getting all of your holiday shopping done in time, this time of the year can also bring some stress. Especially if you have a trip scheduled!

Packing for a trip can be difficult, no matter how many times you double check to make sure you have everything, it can feel like you are still forgetting something. Going on a trip this time of year also leaves you less time to complete all of your other holiday tasks. Don’t become overwhelmed and not properly prepare for your trip, follow these tips to help get you ready to go.

1. Do Your Research

No matter where you are going for your holiday trip, it is important to do your research. Even if you have been there multiple times, it's important to see what the weather forecast and temperatures are expected to be. This will let you pack the proper clothing needed to stay warm, or cool.

Also, it's a good idea to make a list of all the items that you need to pack. Cross off each item as you put it into the bag in order to keep track of everything and minimize your chances of forgetting something.

2. Bring Cash

I'm sure you have heard this saying time and time again, "Cash is king!" Carrying large amounts of cash may not always be the best idea, but going a trip is an exception. If your credit card happens to get compromised while you are away, it will be shut down leaving you with no other way to pay for things. Also, there is a chance that some places you are going don't accept credit cards. Don't take a chance and find yourself stranded in a foreign place.

3. Carry-On Luggage

If traveling on an airplane, there are certain items that should be put in your carry-on bag. Any breakables you are taking should be kept with you at all times. Also, your toiletries should be put in your carry-on luggage in case you need to freshen up at the airport. Most importantly, any prescriptions you have or medications you are taking should be kept in your carry-on. In the event that your luggage is lost, you will still have the medicine you need.

4. Save Space

Whenever you are packing for a trip, saving space is a must. There are several different tips to help you get the most out of your luggage. Try rolling your t-shirts instead of folding them. Also, you can stick rolled up clothing inside your shoes. If you have any large jackets, it may be a good idea to wear them or carry them so they don't take up space in your suitcase.

5. Gifts and Souvenirs

If you are going on a holiday trip to see family or friends, there is a good chance that you will be traveling with gifts. Depending on the gift, it may be better to ship the gift to your destination separately. Or you can plan ahead by only getting small presents that you know will be able to fit in your luggage. Be sure to leave space in your bag for any souvenirs that you may buy, or gifts that you may receive.

Before setting off on your next adventure, call MHG Insurance Brokers at +1 954-828-1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com to obtain trip cancellation and travel insurance, along with other insurance plans that will make your trip an exciting, hassle-free experience! MHG Insurance Brokers hopes that you arrive and return safe and sound. For more holiday travel tips, read our previous blog, "Save Time and Money with These Holiday Travel Tips". Happy Holidays!

Packing for a trip can be difficult, especially during the holiday season. Follow these tips to help get you ready to go.

activeDo you ever find yourself too busy to exercise? Is working a full time job making it difficult for you to find the time to stay active? Trying to find time for yourself, or time to work out can be quite a challenge when working full time. After all, spending the majority of your day at work and battling rush hour can take a lot of energy. Yet, there still is no excuse for taking care of yourself. Living a healthy lifestyle is important, and sometimes it can feel like work gets in the way of that. So if you find yourself willing to try something new in order to stay active while working full time, follow some of these great tips! 

 

1. Get Up Early Waking up early can be a drag if you aren't a morning person. Hitting the "snooze" button is almost unavoidable. While it may take some will power and extra motivation, getting up earlier to work out can have an amazing impact on your day. For one, exercising in the morning is a great way to start the day, get your blood pumping, and give you that feeling like you are ready to take on the world. You will even find that by working out in the morning that you may be sharper throughout the day. 

2. Ride Your Bike or Walk to Work One fun way to try and stay active is to walk or ride your bike to work. While this option may not work for everyone, those that live in close proximity to their job should give it a try. Enjoy the scenery, get some fresh air, and have some time to clear your mind before starting your day at the office. The best part is that you will be saving money on gas! 

3. Take Periodic Walks While on the job, you want to be productive as you possibly can. So taking a long walk might be a bad idea. However, try breaking that long walk into shorter ones throughout the entire day. Use a bathroom break to walk around the building for a few minutes. Doing this every couple of hours will add up, and by the end of the day you might be surprised how much you have walked. Try wearing a pedometer to help keep track of your steps and help you reach any daily goals you might have.

4. Join a Gym Close to Work If you work close to a gym, consider getting a gym membership there. You can go for a work out on the way in or just after you get off. Waiting until you get home to exercise is another option, but after having along day on the job and having to battle through rush hour can leave you feeling exhausted by the time you get home. 

5. Use Your Lunch Break Going on your lunch break is one of everyone's favorite parts of the day. If you plan on eating at nearby restaurant or are picking up food to take back, try walking instead of driving. Or if you joined a nearby gym, try going there during your lunch break to save time. Just be sure to shower before heading back to the office, no one wants to sit next to the sweaty person. 

Here at MHG Insurance Brokers, we look forward to sharing tips and information with you that may help keep your stress levels down, and your quality of life up! For more information on the criteria for individuals, read our previous blog, “New Open Enrollment Dates and Penalties!” Whether you are purchasing health insurance for the first time or already have a plan in place, or are simply looking for better coverage, we want to help you find an affordable health plan that works for you. MHG Insurance Brokers is an Affordable Care Act certified insurance brokerage, and can offer you expert advice and solutions for you, your family, or your business. If you have any further questions or concerns about the Affordable Care Act and open enrollment, please feel free to contact us here by calling 954-828-1819, or visiting mhginsurance.com! Don’t forget, Open Enrollment began on November 1st and runs through January 31st, 2016.

5 Tips for Staying Fit and Active While Working Full Time