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Five Ways to Help You Stick to Your New Year’s Goals

1/6/2021

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Five Ways to Help You Stick to Your New Year’s Goals
After the crazy year we just had, we are all ready for something new and better in 2021. As we all have experienced in years past, as January continues, the motivation to attain lofty goals wears off - and we are left wondering why we made those resolutions in the first place if we weren't going to stick with them.

The fact is, your resolutions are worth keeping. You made them for a reason, didn't you? They either benefit your health or your finances or enhance the time you spend with loved ones, and that is absolutely worth fighting for. The thing is, you can make whatever habits or practices you want to add your life work, you just have to make them a habit. Now, getting to the point where your resolution is a habit and not something you have to force yourself to do is the difficult part, but you survived 2020. You can absolutely win the battle with your New Year's resolutions.

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Sticking With Your Goals into the New Year
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You can do this. You can absolutely do this, even if it feels hard and even if you feel like you can't stick with it.  The trick is getting to the point that the new practice or routine becomes a habit - and you just have to stick with it long enough to get to that point.

  • Break your goals into manageable steps. Sometimes we can get off track simply because we try to attain our resolutions all at once. If your goal is to work out every morning before work, maybe you start out with upping your workouts from one a week to three before you go to five days a week.  When you break down your resolution into parts that can be attained sustainably, you are much more likely to be able to keep your resolutions in the long run.

  • Remember that even a little progress is progress. If you have a resolution to drink six big water bottles worth of water a day and you only manage four, have you failed? Of course not!  If you were drinking three before your resolution and you made it to four, that is something to celebrate. Progress is progress and if you regard it as such you will be far more motivated to continue in the pursuit of your goals.

  • Realize that one misstep does not ruin your goals. If you're trying to cut out sugar to the point of only having it once a week - and then you find yourself eating a cookie on a day you resolved to consume no sugar. Does that mean that your resolution is completely ruined and you might as well give up? Obviously not. Everyone makes mistakes, that is just part of being human - and it should not keep you away from getting right back on track to accomplishing your goal.

  • Don’t be hard on yourself. Don’t disregard this as a platitude - this is an incredibly important part of having long-term success.  If you beat yourself up emotionally any time you don't reach the standard you're aiming for, you are not only demoralizing yourself - you are disregarding the fact that you, by simply trying, have gotten closer to your goal.

  • Track your progress as you go.  Record your progress in a way that works for you - whether that means writing it down in a journal or in a doc on your phone, make sure that you do not lose track of how far you have come from your starting point. If you focus on how far you still have to go you can be discouraged. On the flipside, if you look back and see how far you've come, you can be encouraged to go all the way.

Making 2021 the Best Year It Can Be
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No one can know what a year will bring, both in the world at large and in your own personal life, but you can be certain that you put your best foot forward and strive to be the best person you can be. Your goals are worth attaining, so go out there and reach for that high bar. Believe in yourself. You have done amazing things, and you will continue to do so as long as you press forward. Here at Cobos Insurance, we encourage you to accomplish the resolutions you set for yourself in this fresh new year...and remember to enjoy the little victories. 

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Making Sure Your Vehicles Are Ready For Winter in Avon Lake

12/17/2020

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Avon Lake is a wonderful place to live, and having Lake Erie nearby is just another amazing perk. However, being right off the lake means that we face chill winds, dangerous road conditions, and poor visibility due to winter weather, so it is imperative that we prepare our vehicles for the icy road ahead. While you cannot prevent some issues from arising, you can prevent unnecessary problems by ensuring that your vehicle is ready for the cold months in Avon Lake. 

Having the right coverage to safeguard your vehicle is a must, but it is also important to make sure that you don't find yourself dealing with unnecessary issues. Preparing your car or truck for the freezing temperatures means that you can have some well-deserved peace of mind, so don’t wait to be hit with raging weather before you prep your car or truck for another Northeast Ohio winter. 

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Preparing Your Vehicle For Winter in Northeast Ohio 
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Winters in Avon Lake can be fierce, and since in Ohio we can never be quite sure when the cold weather will decide to slam us, it is important that we waste no time in preparing our vehicles for the freezing temperatures. 

  • Take care of any potential issues your car may have. In the summertime, you can sometimes get away with waiting a week to have something minor checked out (though it is certainly not recommendable). Not so in the winter; in the freezing winter months, even a minor situation can get blown out of proportion if it is not handled right away. Don’t allow a little problem to become a major issue when you can get your vehicle checked out by a professional so that you can drive into winter in confidence. 

  • Checking your car’s battery is a must. Freezing temperatures can destroy weak batteries, and you don't want to find yourself dealing with a dead battery in the dead of winter if you can take steps to prevent that from happening. While it's always important to have your car battery in good condition, it is especially valuable in the freezing temperatures. 

  • Install those winter wiper blades. Visibility is incredibly important when it comes to being safe on the road (especially an icy road), so having good winter wiper blades is an important aspect of preparing your car for the ice and snow. Remember to check your windshield wiper fluid because if it runs low, you could end up with frozen windshield wiper fluid - and that is not something you want to have to deal with this winter. Depending on your car's needs, you may need to get a winter formula, so that is something to consider.

  • Be sure to check your tire pressure as well. Icy roads and low tire pressure is a recipe for disaster - and motor vehicle accidents. Don't put yourself in the way of unnecessary danger by not checking your tire pressure. Of course, you cannot prevent every type of catastrophe from happening, but you can absolutely be proactive and make sure that your tires are ready for the chilly road ahead. You will feel safer when you know that you have taken the time to set your tires up for success over icy roads. 

  • Ensuring that you have a good cover for your vehicle is also a must if your car is going to spend any time at all outside of a garage.  The winter elements can be savage on an unprotected car or truck, so make certain that your car cover is up to the task. If not, investing in a good car cover can make a huge difference for your vehicle as we head into the winter months. ​

Protecting Your Vehicle So That You Can Enjoy Your Avon Lake Winter
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While it takes a little upfront work, preparing your vehicle for our unpredictable Northeast Ohio winters can be a lifesaver. Don’t allow the ice and snow to catch you off guard this year when you can take the necessary steps to prepare your car for this winter season. Appropriate car insurance coverage is a vital part of protecting your car as well, so be sure to talk with your insurance agent about the best coverage to protect your vehicle.

Here at Cobos Insurance, we know well how Avon Lake winters can affect cars and trucks and we encourage you to prepare your vehicle for the season ahead. Call us at our Avon Lake office at 440-933-5223 or at our Elyria office at 440-324-3732; contact us today so we can help you safeguard your vehicle with an insurance policy that meets your needs. ​
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Five Ways to Make the Holidays Merrier in Cleveland This Year

12/8/2020

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Cleveland Ohio Christmas traditions
It's the most wonderful time of the year! The holidays can be a busy, hectic time, but it doesn't have to be that way with a little bit of prep work. This year has made it harder to do more out-and-about activities, and coming up with a variety of fun things to do around your home is high on your list of priorities. We want to make your busy Christmas season a little easier, so we have compiled five fun ways to make your holidays merrier in Cleveland, Ohio. We hope you enjoy them as much as we do. 
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Five Ideas to Help You Celebrate the Holidays in Cleveland This Year 
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We have our own holiday traditions, but we all need a little help coming up with fun, unique ways to make Christmas extra special - especially in a year like this one. Mix and match to find your own favorite ways to celebrate. 

  • Decorate a gingerbread house with the younger members of your family - you will be amazed at how creative your loved ones are. This is a great bonding activity for the family and you'll end up with adorable decorative gingerbread houses to place on your shelf or mantelpiece. Be sure to take some pictures to capture the memories.

  • Get a treat-filled advent calendar. If you have kids, you can opt for an advent calendar with their favorite toy brand or candy - they will eagerly await getting to open a new surprise each morning. However, advent calendars aren't just for kids. For the adults in your house, there are beautiful advent calendars that are filled with gourmet chocolates, handy little gadgets, make-up, or even wine. Why wait for that Christmas morning excitement when you can have a taste of it the entire month of December?

  • Make homemade Christmas cards with your family. This is a wonderful activity because not only is it a great way to spend time with your family but it is also a great way to spread Christmas cheer far and wide.  Who doesn't love getting a heartfelt Christmas card, especially if it is handmade? There are many creative and easy methods to creating Christmas cards - and you can find online instructions to fit any skill level. Brighten someone's day and make them a custom Christmas card.

  • If you are unable to see family over the holiday season, have a virtual cookie recipe swap. You never know what you will learn - you might find out how to make your aunt's famous gingerbread or learn a new variety of sugar cookie from a cousin. Get everyone on a video chat together or even just do a group text to share the recipes - and let the deliciousness begin. 

  • Deck the halls!  Decorating for Christmas is always an event, but make it extra special time with your family this year. Go the whole nine yards - make your tree the best it can be and decorate your windows with LED light candles or greenery.  We've all spent a lot more time in the house this year, so let's make our homes the coziest and the most joyful they can be. Make some hot chocolate and pull out some Christmas cookies and have a jolly time decorating with your family.  

Think back to Christmases during your childhood; you remember the little things, don't you? It's the little touches that make the holidays so special and so full of joy and love. Don't get lost in the big things to the point that you lose sight of the little moments that make the holidays precious.

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Making Your Cleveland Christmas One to Remember 
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However you choose to celebrate the holidays in Cleveland, make sure that you let your loved ones know how much they mean to you and how blessed you are to have them in your life. Years from now when you look back at this Christmas season, you're going to remember the time you spent with them and the effort you put into making them feel special. 

At Cobos Insurance, we believe in the value of each and every day, and we encourage you to enjoy this holiday season to the fullest and to make some memories that last a lifetime. Whether you find your new favorite activity on our list or end up combining a few to make your own merry traditions, be sure to make this holiday season one you look back on fondly.

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Five Fun Ways to Celebrate Thanksgiving In Cleveland This Year

11/19/2020

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Five Fun Ways to Celebrate Thanksgiving In Cleveland This Year
When you think of Thanksgiving, you probably think of the delicious food and being with the ones you love most. Unfortunately, this Thanksgiving, we might find ourselves separated from some of our relatives due to the pandemic. While we cannot control the circumstances that we find ourselves facing, we can put in a little extra effort and make it a special holiday this year. 

We cannot take this beautiful holiday for granted. As with any holiday that has long-standing traditions, sometimes we forget to seek out new ways to make it memorable. However, with a little bit of planning and intentionality, you can make this year's Thanksgiving one that you remember positively for years to come.

Five Ideas to Help You Celebrate Thanksgiving in Cleveland 
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We all could use some extra joy this holiday season - so let's make this one to remember, both for family members who can be with us and family members who cannot. Since even the most creative of us Clevelanders need a few ideas now and again, we have five fun ways for you to make the very most of this Thanksgiving. 

  • Send Thanksgiving cards to your loved ones. It may surprise you, but you can find amazing Thanksgiving cards at almost any shop where you buy your birthday and Christmas cards. It is always a good year to send a Thanksgiving card to your aunt to brighten her day, but if you won’t be able to see your extended relatives this year, it is an especially good time to send some cheerful Thanksgiving notes. It is a perfect way to let your loved ones know that you are grateful for them - and since it's a physical piece of paper, they can cherish your words for many years to come. 

  • Video chat with your relatives who cannot visit with you in person this year. If you are feeling disappointed that you won't be able to see grandma over Thanksgiving, video chat with those you can't be with. It's not quite the same thing, we know, but it is so nice to be able to connect and see each other's faces even if we're miles apart. Your extended family will appreciate getting to spend that time with you, and seeing their smiles will brighten your holiday.

  • Deck the halls with Thanksgiving decor.  This is especially fun if you have younger children in the house. Decorate your home with bright construction paper leaves or pumpkins or go the more sophisticated route and decorate with cornucopias and real squashes.  Soon enough, our homes will be full of beautiful Christmas decorations, but let's enjoy the lovely Cleveland fall colors while we can.

  • Try out a few new desserts for Thanksgiving. That isn't to say that you should kick out your traditional favorites, of course, but adding in some wonderful new desserts can liven up your wonderful Thanksgiving spread. Try a pie you haven't attempted before, with a filling you've only fantasized about using. This is Thanksgiving after all - there's no judgment here, even if the new treats don't become yearly favorites, they will still be enjoyable additions to this year's meal.

  • Have a holiday movie marathon.  Sometimes a holiday movie marathon is just what you need, and when you are stuffed full of stuffing (and all the other good Thanksgiving treats), relaxing with your family and watching feel-good holiday movies is a cozy way to pass the afternoon or evening.  You can even plan on watching the same movies as relatives who cannot come visit and enjoy the long-distance experience together in spirit even if you are physically apart. Comfort, coziness, gratitude -  Thanksgiving is about togetherness, and this is a wonderful way to spend time together. 

Thanksgiving may be an annual thing, but it is worth enjoying and celebrating every time we get to experience it; it is an American tradition like no other, and you deserve to have a beautiful Cleveland Thanksgiving. 

Here at Cobos Insurance, we believe that the joy of Thanksgiving is something worth celebrating no matter how crazy our year has been. Even if you cannot have all of your relatives over this year, you can enjoy the holiday with enthusiasm and thankfulness and little creativity. We encourage you to be safe and to enjoy your Thanksgiving in Cleveland to the utmost.
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Ways to Make the Most Of Summer in Northeast Ohio This Year

8/13/2020

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Fun things to do in Cleveland this summer
Sure, fall is fast approaching, but it isn’t here yet. We still have a little bit of summer left, and we should make the most of every nice day we get here in Northeast Ohio before cooler days are upon us. After all, when you are bundled up for colder weather, you will wish that you spent more time enjoying the warmer days of summer.

In the beginning of summer, it is easy to get excited about doing fun things with your family - but enthusiasm can wane as fall approaches. Don’t let the nearness of autumn dampen your summer fun - make the most of every beautiful day and try some activities that you have never tried before. You want to be able to look back and remember the wonderful things you did this season - so go ahead and make it unique and fun.

Ideas to Help You Enjoy The Rest of the Summer
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There is no time like the present, and in the fall you don’t want to look back and wish that you had taken advantage of the lovely late summer temperatures. 

  • Have a weekend family outing - you don’t have to leave the area for a fun time together when you live in the Cleveland area. It can be whatever you want it to be: shopping and dinner, picnicking at a favorite location, or visiting a museum or a botanical garden. Spending time together is the important thing - and having a little adventure in the process makes it special.

  • Go out on the water. Whether you have your own boat or you have a friend who has one, spending some time out on the water is a great way to enjoy the lovely late summer weather. Don't put off relaxing on the water with the wind through your hair and the mist on your face - sometimes it's just what you need to relax and reset. It's also a great way to pause and get away from your daily concerns, and who doesn't need some intentional peace? Let's face it: we all do.

  • Plant some late summer/fall flowers. Spending time in the garden is a wonderful, relaxing way to enjoy these late summer days - and you will have a lot to show for your hard work. The good news is, you don't have to be an experienced gardener to make your yard look gorgeous with a riot of late summer/early fall color - there are many easy flower options to choose from. For example, helenium and bee balm are wonderful late summer additions to your yard, as are chrysanthemums.

  • The Cleveland Metroparks are amazing, and taking a relaxing walk at a beautiful metropark is a great way to spend a summer afternoon or evening. There's just something invigorating about being outdoors at a Cleveland Metropark, and you should enjoy some lovely weather walking if you have the chance. Those moments in the great outdoors are a great way to let go of stress - and it can help you be present in the present. 

  • Try some new ice cream flavors.  Nothing says summer like ice cream, and there are some crazy and delicious flavors out there - some of which might become your new summer favorite. You can go out and get some or you can set up your own ice cream bar at home - there's no limit to the fun and tastebud-tingling combinations you can create.

In an area like Northeast Ohio, we have to make the most of the cycle of the seasons since we live in an area that has changing seasons - not everyone gets to experience the beauty of summer turning into fall, after all. However, it's important that we don't forget that we still have a little time with summer left this year, and we should enjoy it with our loved ones every chance we get.

Here at Cobos Insurance, we know that you want to be intentional with your time and trying new activities is a great way to make the most of this season while we're in it. Every day is a gift and we encourage you to enjoy the late summer sunshine with your friends and family. Making memories with the ones you love in Northeast Ohio is one of the best things you can do this year.
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Ways to Enjoy Easter This Year in Cleveland, Ohio

4/10/2020

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Ways to Enjoy Easter This Year in Cleveland, Ohio
Easter is a holiday full of hope and springtime and sunshine and togetherness. Earlier this year,  not being able to travel and visit relatives for Easter would have been the last thing we expected, but here we are.  As disappointing as it can be to have to cancel travel plans, there are many festive activities you can do at home in Cleveland - activities that foster good memories and bonding, even from a distance.

Since we’re all practicing social distancing, it can be a struggle to keep our Easter traditions in place this year. However, there is no reason to not celebrate Easter just because this season looks a little different. There are many ways to enjoy the time we've been given despite the social distancing that's in place, and you and your household can make the best of this year's offerings with a little imagination and creativity.

Activities You Can Do to Celebrate Easter At Home
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  • Since there won't be any big family get-togethers, why not have a video chat with extended family members? It's not the same as being there in the flesh, but it is a way to connect as an entire family.  You can even play games like charades or Pictionary on a video call, which can be a welcome diversion. And for older relatives who may not be up for a Zoom call, you can still have a good, old-fashioned phone call to talk about old times and current events. Plans may have to be altered this year, but that doesn't mean that quality bonding time cannot still be a part of this Easter season.

  • Make a special Easter dish you wouldn't normally make.  This could be a recipe you saved from a magazine years ago and just never got around to making, an old family favorite that you just haven't made for a while, or maybe it's a pie that your mom always makes so you have never gotten around to making it yourself. Whatever the case may be, this could be the best time to try something new.  Getting creative with food is a satisfying way to expand your horizons, so give it a try! This dish might become an annual favorite - and even if it doesn't, you will have explored something new.

  • If you have a garden or enough space in your yard, plant some perennials to perk up your yard. Easter lilies are the classic Easter flower, but there are many beautiful options, including irises and peonies. You can plant annuals as well, of course, but when you plant perennials, you can enjoy the plants for many years versus just one season. While Cleveland can have varied weather in April, it's typically safe to plant perennials once the last frost is over, so plant away and enjoy the fruits (well, flowers) of your labor for years to come. 

  • Bird watch with your household!  The Cleveland area has many beautiful birds, and with a bird feeder and a pair binoculars, you can likely bird watch from the comfort of your home.  Finches, cardinals, woodpeckers - there are so many beautiful and cheerful birds to observe in Northeast Ohio. Not only does bird watching lift the spirits, it can be quite an educational activity. You can research the birds that frequent your area and learn some fun facts about them - this is a fun activity to do with the kids in your household. 

  • Do some fun activities especially for the kids in your home. Whether it's an egg hunt or blowing bubbles right outside the door or a game especially for them, they will remember that you made sure they had a fun Easter season. In fact, they may remember this year more vividly than past years since it is such a unique period, so ensuring that they feel loved and special is important. Don't let the time go to waste; make it an adventure (albeit a home-bound adventure) for them. Sometimes, it's the littlest things that make the biggest difference. 

Enjoying This Easter to the Fullest

Here at Cobos Insurance, we know that while we can't always do everything we want, we can make the most of every situation and make it brighter for those close to us. Let's make the most of this Easter in Cleveland this year - after all, there's no time like the present, and it would be a shame to waste one minute of this Easter season. Make some memories, have some good food, and enjoy getting to spend time in your home. We wish you a wonderful, hope-filled Easter in Cleveland, Ohio.
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Five Fun St. Patrick’s Day Activities to Do With Your Kids in Cleveland, Ohio

3/12/2020

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Five Fun St. Patrick’s Day Activities to Do With Your Kids in Cleveland, Ohio
St. Patrick’s Day is next week, and it is a great opportunity to spend some quality time with your kids. While St. Patrick’s Day isn’t Christmas or Easter, you can still spend intentional time with your kids and do a fun craft or take a walk together. These activities can be a way to create lasting memories with the kids you love.

There’s no time like the present; we say that all the time, but it is true. Celebrating the little things is important, and it leaves a lasting impression on children. Appreciating the world around us is an invaluable facet of enjoying every day, and it’s something that’s best learned at a young age. 

Fun Activities to Try With Your Kids This St. Patrick’s Day

Here are five fun ideas to try with your children. Be forewarned: you and your kids might have so much fun that you could end up creating some annual traditions. 

  • Go to the Cleveland Public Library and research the history of St. Patrick’s Day. The origin of the holiday is fascinating, and what better time to teach your kids how to do some quality (but fun) research? This is a good activity if you have kids of varying ages because you can tailor the research to each child’s level. Learning can be a joy, and there’s no one better than you to show your kids the fun in discovering new things. 

  • Buy some chocolate coins and have a St. Patrick’s Day treasure hunt. There’s nothing like reaching the end of the rainbow and finding a pot of gold, right? We wouldn’t actually know. However, with a St. Paddy’s Day treasure hunt, your kids can experience the thrill of finding chocolate coins at the end of their search. You can make the search as easy or as difficult as you wish, and there are many examples online if you need a little inspiration, but you can also create a treasure hunt of your own design. However you set it up, your kids will love it!

  • Go to a Cleveland park and search for clovers! While the odds of finding a four-leaf clover probably aren’t high, it’s a fun activity that your kids will enjoy. There are so many lovely parks in the Cleveland area, and while it isn’t yet what we can call warm, bundling up and enjoying the outdoors is a memorable experience for the kids in your life. Voinovich Bicentennial Park or Edgewater Park are excellent options if you need park ideas. Or skip the park altogether and step into your backyard - searching for four-leaf clovers in your own yard can be just as fun. 

  • Can’t find any clover? Make your own four-leaf shamrocks with your kids. All you need is green construction paper and some scissors and a dose of imagination and you’re set! You can look for a pattern online - there are many - or you can trace your own. Either way, you will end up with an abundance of adorable clovers that are perfect for decorating the house with. You can even add some green glitter if you are feeling particularly adventurous. Your kids will love creating the bright green shamrocks, and fortunately, these clovers are not weather dependent!

  • Decorate the house in St. Paddy’s Day style. Put those construction paper shamrocks to good use and hang them around the house. Your kids will enjoy getting to decorate, and it is a fun activity to do as a family. You can get some green and white streamers to add a little pizazz to the decor as well, if you wish. The possibilities are endless, and it’s a great way to get your kids’ creative juices flowing.

Here at Cobos Insurance, we know that time flies when you’re having fun and kids can grow up in the blink of an eye. That’s why it is so important that we take the time to invest in the children in our lives. Whether you end up doing all of these activities or just one or two with your kids, the important thing is that you show them you value spending time with them. It’s the little things that add up in the end, and something as simple as celebrating St. Patrick’s Day at home in Cleveland with the kids in your life that can make the best memories.
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Five Fun Valentine’s Day Activities You Can Do With Your Kids in Cleveland

2/6/2020

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Valentines Day in Cleveland
Valentine’s Day is next week! Doesn’t it feel like this year is just flying by? If you have kids, you might be struggling to pick some interesting Valentine’s Day crafts and activities that your kids will enjoy this year. There are always fun things to do with your youngsters, but the vast number of options can be overwhelming rather than encouraging. The good news is, we have compiled some ideas so that you can spend less time racking your brain for fresh ideas and more time making memories. 

Valentine’s Day is about love, and while we typically associate it with romantic love, the love between family and friends is also something to be celebrated on this special day. Your kids will have a wonderful time preparing for Valentine’s Day with you - and chances are, they will carry these memories with them for years to come. After all, sometimes it is the little things that matter the most. 

Valentine’s Day  Fun For the Whole Family

  • Go on a Mommy-and-Me (or Daddy-and-Me) outing. Socializing is good for both parents and children. There are many fun places you can go to meet with other parents and their kids, but if you’re stumped on where to start, Cleveland’s Brewnuts is hosting a Valentine’s Day family event on February 13th with snacks and crafts for your youngsters. Going to a Valentine’s Day-themed story time at a local library is a wonderful way to spend a morning together as well. 
 
  • Take your kids to a candy shop. The kids in your life will thoroughly enjoy browsing through luscious chocolates and other candies - and picking out candies for their friends and family members can be a fun lesson in gift giving. Cleveland’s Malley's Chocolates is a great choice if you are looking for a charming candy shop to spend some time with your children. Mitchell’s Fine Chocolates in Cleveland is a scrumptious choice as well if you are looking for a variety of yummy treats. 
 
  • If you want to try your hand at creating Valentine’s Day goodies, making treats together at home is a lot of fun. Whether you’re an avid baker or not, you can make delicious cookies or brownies when you have a good  recipe. Taste of Home has a wonderful recipe for cookie lollipops that are a sure kid-pleaser (an anyone-pleaser, actually!), and you might find yourself making them throughout the year!
 
  • This Valentine’s Day, give festive treats to your neighbors. This goes hand-in-hand with making delicious treats! Who said you can only go door-to-door to deliver cookies and candies to your neighbors at Christmastime? No one ever, we presume. If your neighbors enjoy getting Christmas cookies, they will be so excited to receive Valentine’s Day goodies from your kids. If you don’t know your neighbors well, you can always skip the neighborhood rounds and instead hand deliver your tasty treats to your friends and family who live in the Cleveland area.
 
  • Make Valentine’s Day cards with your kids! This may seem like a simple activity, but this may be one of the most special and personalized. Your Valentine’s Day cards can be as simple or as fancy as you desire. Dress the cards up with lace and glitter (if your children are old enough to handle that), or keep it simple with construction paper and crayons. It really is up to you and your kids, so let the creativity blossom!

Making Valentine’s Day Memories With Your Kids 

So there you have it: five fun ideas that you can make your own. We wouldn’t be surprised if you and your kids make some of these yearly traditions! Here at Cobos Insurance, we believe that spending time with family is priceless and that one of the greatest gifts you can give your children is intentional time spent with them. There are so many fun activities that you can do with your kids this Valentine’s Day, but the most important thing is spending quality time with them. The time that you spend with them will create memories they will cherish forever - and when you get at the heart of it, that’s what Valentine’s Day is all about.

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Protecting Your Car This Winter in Cleveland, Ohio

11/28/2019

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Protecting Your Car This Winter in Cleveland, Ohio
Northeast Ohio is truly a great place to live. It’s beautiful, it has vibrant cities, and - perhaps most wonderful of all - it has Lake Erie. That being said, we have some pretty unpredictable and cold winters here and if we’re not careful, our vehicles can suffer for it. Freezing temperatures, hazardous road conditions, and weather that offers us low visibility are all things we have to prepare to deal with as chillier weather heads our way. The good news is, there are steps we can take to protect our cars during the winter that can give us an edge.

Of course, having the right Cleveland car insurance policy is the first step when it comes to protecting your vehicle from the unexpected. Everyone’s situation is different, so be sure to talk with your insurance agent about how to best insure your vehicle. In addition to having the right coverage to safeguard your car, there are things you can do to help prevent unnecessary seasonal issues from coming up.

Giving Your Car the Care It Deserves

Refreshing your winter routine can save you a lot of trouble down the road (pun intended!). Sometimes nasty weather creeps up on us out of nowhere, so keeping everything in good order is an important part of taking care of our cars in Cleveland. Of course, there will always be things that are out of our control, but since safety comes first, making sure that we have prepared for the ice and snow ahead is invaluable.

  • Having winter wiper blades is important. Winter conditions can be extremely harsh and you don’t want to find yourself driving in those unpredictable conditions without good winter windshield wipers. It's hard to come up with something more important than excellent visibility, so make sure that you have wiper blades that help you with that this winter season.
 
  • Make sure to check your car’s battery as well. Cold temperatures in Cleveland can be a disaster for a battery that’s on its last leg, so make sure that everything is as it should be. The last thing you want on a dark, chilly winter evening is to have a dead car battery on your hands. 
 
  • Be sure to check your windshield wiper fluid - you don’t want that to run low and freeze. Depending on your car, you may need to use a winter-specific formula to ensure you don’t find it frozen one morning. A little bit of care for your vehicle can go a long way, so be sure to check the fluid.
 
  •  Check your tire pressure - low tire pressure can be a very dangerous thing on slick or icy roads. There is no need to risk a devastating accident due to low tire pressure when it is something that can easily be taken care of. Better safe than sorry!
 
  • Since your car's well being is so important, another thing you can do is invest in a quality car cover for your Cleveland vehicle. If your car is going to spend much time sitting outside of a garage, investing in a quality car cover is something to seriously consider. You want your car to be well protected and shielded from the elements - and covering it can be very beneficial on that front. 

Going the extra mile to safeguard your car can be one of the best things you do for your vehicle this winter! Don’t wait for issues to show up before taking the steps to give your car the care it needs. It can save you a lot of trouble in the future and it’s always good to be ready to handle whatever comes your way. 

Setting Yourself Up For a Wonderful Winter

No matter what this Northeast Ohio winter brings, you can be prepared to handle it! Here at Cobos Insurance, we know how important your car is to you and how crucial it is to your daily activities - and we want to set you up for success. Call us at our Avon Lake office at 440-933-5223 or at our Elyria office at 440-324-3732; contact us today so we can help you get the coverage you need for your car and your situation. None of us should have to face Cleveland winters alone!
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Five Ways to Get Into the Cleveland Christmas Spirit With Your Friends and Family This Holiday Season

11/22/2019

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Cleveland Christmas
It may still be November, but with a late Thanksgiving this year, Christmas will be here before we know it! Now is the time to start thinking about holiday preparations and spending time with your loved ones. After all, Christmastime only comes around once a year - we should enjoy it thoroughly along with our friends and family.

We all have our own favorite ways of celebrating the season, but it is always fun to try a new activity or outing to celebrate the holidays. Since you are lucky enough to live in the Cleveland area, you get to reap the rewards that come with living in such a unique and vibrant city. There's so much to see and do in Cleveland, and what better time to explore the beautiful place we live in than this holiday season? Once you try out some of these Christmas-themed activities, you'll want to add them to your list of favorite holiday traditions! 

Top Five Ways to Enjoy Christmas Cheer in Cleveland 

  • Host a cookie swap party for your friends and family! You could even invite your neighbors to join in the fun! There’s just something about sharing beloved recipes that brings everyone together - and getting to sample those recipes is a bonus. It is always so interesting to see what everyone's favorites are. Have some salty snacks to balance out the sugar and you have a recipe for a great cookie swap!
 
  • Attend Winterfest in Cleveland’s Public Square. This is a wonderful experience for you to share with your friends and family. Winterfest is held the weekend after Thanksgiving, so it is the perfect way to start the season’s festivities! There’s music, dancing, carriage rides, and breathtakingly beautiful lights. What’s not to love? Plus, it’s free! You don’t want to miss it - it may become a tradition!
 
  • Visit the Cleveland Botanical Garden - they have the most stunning Christmas displays that include gorgeous decorated trees and gingerbread houses. Over the holiday season, they have exhibits that are transformed into a winter wonderland - and if you need a head start on your Christmas shopping, the Garden gift shop is the perfect place to kick off your holiday shopping. 
 
  • The Cleveland Museum of Art’s Winter Lights Lantern Festival is definitely something to explore if you love the thought of gorgeous Christmas lights that reflect cross-cultural traditions. There’s so much to see and do, and there are even workshops for making lanterns if you would enjoy trying your hand at creating your own lantern!
 
  • Put up your Christmas tree! What better way to enjoy the season than to make putting up your tree a family event? Crank up the Christmas tunes and whip up some hot chocolate, and you are ready to make some memories! Sometimes it’s the simplest things that make the biggest impact on us, and this is an extra special activity to share with the children in your life. 

Bonus: we know that we said "five," but if you have never been Christmas caroling at a nursing home or even for some friends or neighbors who need a little extra cheer this year, this is the year to try it. You don’t have to be a great singer to spread Christmas joy through Christmas carols, and there’s no better way to get into the Christmas spirit than to bring life and cheer to others. 

Celebrate This Season With the Ones You Love Most

However you choose to get into the Cleveland Christmas spirit, be sure to take the time to let your loved ones know how much you treasure them! It can be easy to lose sight of what’s really important in all the hustle and bustle that comes with this time of the year, so make sure that you show your friends and family how much they mean to you.

At Cobos Insurance, we believe that the holiday season is one of the most wonderful times of the year and we encourage you to go spend quality time with those you love. The Cleveland area has so much to explore and enjoy, and the Christmas season is the best time to start making memories that will last a lifetime.
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