Almost everyone has heard the hit single ‘Don’t Worry, Be Happy’ by Bobby McFerrin. The song has a very catchy way of conveying its message of being happy to everyone. Living a happy, resilient and optimistic life is wonderful, and is also good for your health. Being happy actually protects you from the stresses of life. Stress is linked to top causes of death such as heart disease, cancer and stroke.
One of the better things ever said is – ‘The only thing in life that will always remain the same is change’, and in our life we have the power to make the necessary changes if we want to. Even if we find ourselves in an unbearable situation we can always find solace in the knowledge that it too would change.
To be happy is relatively easy, just decide to be a happy person. Abraham Lincoln observed that most people for most of the time can choose how happy or stressed, how relaxed or troubled, how bright or dull their outlook to be. The choice is simple really, choose to be happy.
There are several ways by which you can do this.
Being grateful is a great attitude. We have so much to be thankful for. Thank the taxi driver for bringing you home safely, thank the cook for a wonderful dinner and thank the guy who cleans your windows.
News is stressful. Get less of it. Some people just can’t start their day without their daily dose of news. Try and think about it, 99% of the news we hear or read is bad news. Starting the day with bad news does not seem to be a sensible thing to do.
A religious connection is also recommended. Being part of a religious group with its singing, sacraments, chanting, prayers and meditations foster inner peace.
Manage your time. Time is invaluable and too important to waste. Time management can be viewed as a list of rules that involves scheduling, setting goals, planning, creating lists of things to do and prioritizing.
Laugh and laugh heartily every day. Heard a good joke? Tell your friends or family about it. As they also say -‘Laughter is the best medicine’.
Working hard brings tremendous personal satisfaction. It gives a feeling of being competent in finishing our tasks. Accomplishments are necessary for all of us, they give us a sense of value. Work on things that you feel worthy of your time.
Run, jog, walk and do other things that your body was made for. Feel alive.
At the TWFG Khan Insurance Services-713-388-6681 we are happy to have you as our client! Thank you so much for your continued business and please keep us in mind when a friend or family member is looking for an insurance quote.
Our agency provides insurance and risk services to the construction industry. Insurance can play an important role in “on time and on budget” projects. If your insurance coverage is not written properly, your business may not survive financially. Your success depends on good planning whether you're estimating a project, hiring good people, protecting your business with complete commercial insurance, or selecting your insurance agent.
You can depend on our team of construction professionals to design, build, negotiate and implement an insurance program that fits your individual needs. As your insurance partner we will create and deliver insurance solutions today in order to keep you in business tomorrow.
Our goal is to create the right combination of coverage, price, and service that exceed your expectations.
Over the years our construction professionals have worked with many different kinds of construction firms, including:
Having the right insurance coverage and the right agent is an important part of managing construction risks. As a contractor your insurance needs can change quickly. You need an insurance agency partnering with you to make sure your company’s unique needs are met.
TWFG-Khan Insurance specializes in writing commercial insurance for small businesses and mid-sized corporations.
With our advanced understanding of day to day business risk and access to over 600 insurance carriers, we bring to you some of the best risk transfer programs available.
Owning a home is one of the most important investments you can make. As your family grows, your needs will change as well as your risk. We think it is very important to review your insurance program every year to make sure it still meets your needs. Compared with investment decisions and estate planning issues, perhaps questions about the language in your homeowner’s policy may seem hardly worth considering. Yet the more successful you become, the more complicated your asset-protection needs are likely to be, and the more you have to lose.
1. Gaps in homeowner’s coverage. Every homeowner needs to review their coverage regularly to keep up with rising replacement costs. But insuring different kinds of homes in different locales poses extra challenges. If you buy insurance from more than one carrier, you may face contrasting rules, limitations, and policy renewal dates.
2. Under insuring art and collectibles. Standard homeowner’s policies limit coverage for the losses of antiques, furs, and other valuables. While you could schedule additional coverage, insuring the real value of a collection of contemporary art or vintage muscle cars, likely will require a specialized policy addressing several critical issues. 3. Make sure you keep up with the true replacement cost of your home. Often people let this go for a few years, but it can be devastating.
4. Forgetting to insure household employees. When someone works for you or your family as a nanny, landscaper, personal assistant, or in another role, you could be liable for medical expenses and lost wages if the worker is hurt on the job.
At TWFG Khan Insurance Services-713-388-6681 we believe our greatest asset is the relationships we build with our clients and we are dedicated to being the right choice for all of your insurance and financial needs. We take pride in our ability to tailor a comprehensive package that maximizes your insurance protection while minimizing money out of your pocket.
Property managers have unique risks that can only be insured with the right kind of commercial insurance. Property manager’s insurance can help ensure that property managers and third party interests are protected in the event of a fire or other catastrophic loss. Property managers often get caught between the owners and the tenants. There is increased litigation holding all professionals to a higher standard, and that includes property managers. In addition, property managers who have an equity interest in the property have increased risks that often lead to conflict of interest claims.
Business Interruption--Loss of rents or rental income from a fire or other event.
Tenants--Tenants that are involved in hazardous operations can increase your risk. These can include illegal activities.
Green Buildings --Green buildings that include solar panels or other green materials can sometimes hinder fire fighters and increase repair costs.
Discrimination --Tenant and landlord issues can often turn into large discrimination claims.
Builders Risk Insurance--Many property managers make the mistake of having the contractor purchase builders risk insurance on their behalf. We recommend the property manager secure the coverage in their name.
Environmental--More and more people and tenants are aware of ventilation, and other environmental issues that could impact your risk.
Protect what matters most to you with Houston, TX. Commercial & Business insurance. We offer the best combination of competitive rates, coverage and personal service in Houston.
Commercial Insurance 101
If you own or manage a business, you know how important it is to keep your operation running smoothly. There is nothing worse than an interruption in your business that may cause you to under deliver products or services to your customers. One very important parts of running a company, is ensuring that you have proper business or commercial insurance coverage.
What Is Commercial Insurance?
Commercial insurance is designed to protect your business from unforeseen losses like fire, theft, business income loss, and third party liability claims.
There are many different kinds of coverage that can be included in a commercial insurance policy, and depending on your business, you may need other specialized coverage including:
Boiler and machinery
Director and officers
It is important to use an agent with commercial experience to help your business find the right combination of coverage, price, and service. A Few Reasons Why TWFG Khan Insurance Services-713-388-6681 is right for your business.
Competitive Pricing - premium discounts and policy dividends available