Contact Us

1-800-793-0471

REQUEST A QUOTE

Contact details:

Would you like more information about us?

Yes! No thank you.
Your message has been sent successfully. Close this notice.

REQUEST A QUOTE

Would you like more information about us?

Yes, Please. No Thank You.
Your Contact Form has been sent successfully. Close this notice.
3 years ago · by · 0 comments

Canada Father Accepts Lowest Offer On Condo Amid Market Boom As A Way Of Paying It Forward

Sometimes paths cross in life for the sole purpose of changing the lives of those involved.  It’s no secret the housing market has changed during the pandemic.  Sellers used to hope to get close to their asking price but today are receiving multiple offers well above their asking price.  One Ontario father of three decided to sell his condo to the lowest bidder as a way of paying it forward.  When he listed his condo in London, Ontario for $20,000 less than others in the area, he, of course, received multiple offers above the asking price. 

Juliana Aguero was having a tough time buying a house after she separated from her husband.  “Every time, I lost the offer for $100,000 or something like that. It was crazy,” said Aguero, who made about 10 offers on homes within a span of three months.  When Aguero found a three-bedroom condo listed for $330,000, far less than other units in the same building, she offered $375,000.  Unbeknownst to her, Aguero’s realtor had included a letter with her offer, detailing her client’s backstory.  Aguero, who moved to Canada from Colombia 11 years ago, has two children with her ex-husband. The couple decided they wanted to live in the same neighborhood and raise their children together.

“When my realtor came, she actually started with Juliana’s offer,” said Damian Devonish, a London-based therapist with three children. “She said, ‘This is a really touching story. I know your heart and I know that you will want to give it to her.”  Devonish, also an immigrant, arrived in Canada eight years ago from Barbados and believes strongly in paying it forward.

“We don’t know how life will treat us 10, 15, 20 years from now. So the best thing to do is to live it well today.”  “I really didn’t have a lot of money when I came to Canada,” He said. “I was having difficulty getting a job because I needed a vehicle.” Devonish finally found a car and remembers how the seller agreed to take $500 less for it, and he also threw in a set of winter tires.  And that’s why when Devonish reviewed all of the offers on his condo, and Aguero’s was the lowest by about $50,000, he still accepted it.

Aguero takes possession of the home in May in a market where homes are now listing at $600,000.  “I just feel so blessed, I’ve cried. I cannot believe there are people like Damian.”  During an interview with news outlets, Aguero spoke directly to Devonish: “I’m absolutely sure you will receive many, many blessings in different ways. Thank you! Thank you! Thank you, from the bottom of my heart.”

Read more

3 years ago · by · 0 comments

Six Year Old Leukemia Survivor Delivers Gifts To Kids Fighting Cancer

A young leukemia survivor spread holiday cheer to kids battling cancer by delivering toys throughout the D.C. area. Six-year-old Summer Grace Cernoch and her family drove around the region with the gifts. Summer Grace battled leukemia for two years, spending holidays in the hospital, had several surgeries and countless painful treatments. She finished her last treatment in February.

Two Christmases, 79 port chemos, 10 blood transfusions, and a countless number of pills later, Summer Grace beat cancer. Per her request, the night she took her last chemotherapy pill the Cernoch family set off fireworks in celebration. The fireworks, however, were just the beginning of their celebration of Summer Grace’s hard-fought battle – in September they started the Summer Grace Foundation in her honor.

December 21st marked three years since she was diagnosed. “I’ve dreaded this day every year as it … just brings back a lot of bad memories for our family,” said Summer Grace’s mother, Jessica Cernoch. The Cernoch family started the foundation to help kids like her and many of the toys delivered Monday were donated by the community.

The foundation’s mission is to raise awareness, raise funds for pediatric cancer research in hopes of finding better and less toxic treatments, and support the childhood cancer community. 1 in 5 kids diagnosed with cancer will not survive. On average, 43 kids are diagnosed with cancer every day, and 7 kids die every day due to cancer or because of the effects of their harsh treatments. “We remember very vividly how awful this journey is, and so we want to do everything we can to give back and support the childhood cancer community,” her mother said.

The world changes in an instant, and things are never quite the same ever again after a cancer diagnosis. Childhood cancer effects every aspect of family life. In addition to the physical aspect of cancer, there’s often a huge financial burden, and an indescribable level of worry and stress. Life becomes physically and emotionally draining, and there’s often little energy left to focus on anything or anyone other than the child. Marriages may become strained and siblings may be left feeling disconnected from the family.

Every year, the foundation also partners with various businesses to offer relaxing, overnight retreats. Donations to the foundation can sponsor a retreat for families battling cancer. Summer Grace and her family also plan to start a music scholarship program for cancer patients.

You can support the Summer Grace Foundation through AmazonSmile. At no cost to you, you can find the same selection of products and low prices! Upon checkout, Amazon will donate a portion of your purchase price to us. Simply go to smile.amazon.com, sign in, and choose the Summer Grace Foundation as your charity. Amazon will donate .05% of all eligible purchases.

Read more

3 years ago · by · 0 comments

81 Year Old Customer And Dunkin Donuts Staff Bond Amid Pandemic

A Dunkin’ Donuts crew in Concord, California, has adopted an 81 year old customer separated from his family and friends as their unofficial “Grandpa”. Gilbert “Gil” Walker, a retired high school teacher of almost 40 years, began making daily coffee trips to the local Dunkin when the pandemic interrupted his regular breakfast get together with friends. After he left them a $280 tip, the staff was so touched by the gesture that they have all adopted him as Grandpa ever since.

Walker began visiting as a way to safely get out of the house during the stay at home orders. Walker and owner Matt Cobo had a conversation that left Walker wanting to help. “I asked … if he had to lay anyone off and he said he had 14 employees and wanted to keep them but had to cut their hours,” Walker said. He started to think of ways he could help, and a little movement was born. On his next visit, Walker presented Cabo with an envelope of $280 cash, or $20 for each staffer. They were so moved by his gesture of kindness, they started calling Walker “Grandpa,” and adopted him as one of their own.

Cobo said that when the first shelter-in-place orders went into effect, “There was this feeling, this emptiness, this uncertainty of what was going to happen. We all felt it. We were scared,” he explained. “What Grandpa did that time was so much more than a gesture of kindness. He made us feel like things were going to be OK.”
Since then, there is a kindness shared between the staff and “Grandpa Gil.” They have signs posted throughout that jokingly read: Anyone who lets “Grandpa” pay is terminated immediately-The Management. “It became a contest of how I could convince them to take my money and them not taking it,” Walker laughed. “We’ve had a lot of maneuvering just to try to get money inside the door.”

Walker’s family even tips the staff off about upcoming events like his birthday or anniversary with his wife, Virginia. When Walker and his wife celebrated 62 years together, the staff set them up with a Dunkin’ smorgasbord in honor of the anniversary. “Holy cow, they’d set up a whole table inside the building, pictures of our wedding, a dozen white roses and food,” Walker said. “They had maple bars in the shape of a heart, it was crazy.”

In September, for Walker’s 81st birthday, the staff surprised him with a party, a sign and gifts in honor of his big day. “They were just all teary-eyed, and when you see that, you’re just like man, our work here is done,” Cobo said. “No one can deserve it more than him … it’s been really fun.” Walker, who has three kids, 13 grandkids and 20 great-grandchildren, said his closest family lives hundreds of miles away. The staff at Dunkin’ Donuts, mostly teens and young adults — have been there for him through this pandemic. “Those kids kind of remind me of my family,” he said. “They’re really nice and just treat me well every single day.”

Cobo said they consider Walker part of their family and the staff are always rushing to the drive-thru window each morning to say hi when “Grandpa” rolls up. “He doesn’t have any grandkids around and that’s part of why I think he’s developed this relationship … Maybe not technically family but we’d love to kind of fill in as his local grandkids. We all just think he’s incredible. There’s people that just have this smile and warmth — you say, ‘This guy is just goodness,’” Cobo explained. “That’s what he is. People catch that and they share that.”

Read more

3 years ago · by · 0 comments

Celebrity Chef David Chang Wins $1 Million For Restaurant Industry

Celebrity chef David Chang, founder of the successful Momofuku restaurant brand, is donating his $1 million dollar “Who Wants to be a Millionaire” winnings to the restaurant industry. Like the other celebrity contestants on the show, Chang had been playing for the charity of his choosing, the Southern Smoke Foundation, a Houston-based crisis-relief organization for hospitality industry workers experiencing debt or other hardships.

“I’m so honored that Dave chose Southern Smoke as his charity,” founder Chris Shepherd said. “Now, more than ever, with indoor dining shut down in many parts of the country and temperatures dropping to prohibit outdoor dining, food and beverage industry employees are desperate.” Southern Smoke was established in 2017 and COVID-19’s impact on restaurants, bars, and catering companies in 2020 has made the need for financial crisis intervention all the more urgent. According to their website, the Southern Smoke Foundation has distributed more than $5.7 million, both directly to people in need via the Emergency Relief Fund and to organizations that represent the needs of people in our industry.

Chang has seen first-hand how the spread of covid-19 has cost the hospitality industry hundreds of billions of dollars and put many people out of work. When Chang reached the $500,000 mark, host Jimmy Kimmel cautioned him that no celebrity contestant had ever taken home “the big check.” Chang seriously considered walking away, but trusting his luck, he decided to go all in. “I’m a gambling man and shame on me if this is wrong, but I’m doing this because having a million dollars right now, in this moment, is a game-changer for many, many families.”

Unless you’ve been lucky enough to work from home the entire time, it’s likely your industry has been affected in one way or another by the pandemic. Across the globe people have faced tough decisions on how to navigate a socially distanced life. From teachers creating and maintaining virtual AND in-person curriculums to drivers and delivery people, as well as healthcare professionals on the brink of burnout. Millions who work in the hospitality industry, including food and drink service, have seen unemployment since early into the pandemic in March. Thankfully, many people, like Chang, have found ways to help others through this and inspire others to do the same.

Chang won over several front-line workers in this season of “Who Wants to Be a Millionaire,” which also featured celebrities Tiffany Haddish, Julie Bowen, Ray Romano, Rebel Wilson and Joel McHale. The restaurateur, author and television personality is known for founding the Michelin-star winning Momofuku restaurant group as well as Netflix original series “Ugly Delicious” and “Breakfast, Lunch, and Dinner.” Southern Smoke Foundation immediately celebrated the win on twitter with the tweet “WE WON A MILLION DOLLARS!!!! #TAKINGCAREOFOUROWN

Read more

3 years ago · by · 0 comments

Barbershop Employees Step In to Help Jersey City Eatery During Covid Quarantine

There is no denying the restaurant industry has been hard hit during the pandemic. One Jersey City eatery saw their neighbors step in when they were dealt with another blow. Würstbar had a staff member exposed to the virus and rather than running risk of spreading the disease, the management decided the best course of action was to shut down—at least temporarily. But their neighbors at Virile Barber Shop swooped in to help after seeing their post about the temporary close.

They posted on their Instagram page “No, we are not randomly closed for ‘renovations!’ We unfortunately, had an exposure to COVID-19 at Würstbar. Würstbar is a small team run by an extremely hardworking and loyal staff. Running the restaurant with only non-exposed employees isn’t an option for us at the moment. We decided as a team that we would close until every employee exposed or not has been tested and can return to work confident in their safety, and equally as important, our guests’ safety. Thank you to @hdsid_jc and Prestige Health Mobile for getting the entire staff tested so quickly. We look forward to serving you soon.”

Word of Würstbar’s crew quarantine quickly made the rounds of the tight-knit community and in less than 24 hours, workers from Virile Barber Shop just up the street stepped up, offering to lend a hand by taking shifts to keep Würstbar open for business until the impacted staff members could all be tested and cleared.
“The weather is too nice out to let our neighbors at Würstbar stay closed!” Virile Barber Shop owner Andre Fersa posted. “I’ve taken over the bar and am selling PRETZELS, beer, wine and cider for outdoor seating only. Come on by and support this great staff.”

As expected, the grateful Würstbar staff was soon singing the praises of the generous community volunteers who’d pitched in to keep their doors open. “A big thank you to the crew at @virile for taking over Würstbar yesterday, that was a blast! We love this community and couldn’t ask for better neighbors. Let’s not forget barbershops and salons were hit just as hard as restaurants during the shutdown. With so many people home from the office and big events not happening it’s easy to skip a cut here and there. If you have the means, please get that extra cut and look your best for your Zoom call or socially distanced gathering.”

Fersa and his friend, Joe Mercurio, got a quick crash course and soon enough Wurstbar was open for business. There were no tables inside, no cocktails, and their typically large menu of brats, sausages, hot dogs and poutine was pared down to just hot pretzels. But from noon until around 6 p.m. on Saturday, Fersa and Mercurio ran the show with Kahn supervising. Neighborhood locals got word that Virile was taking over Wurstbar for the day and came out to support the business, with outdoor tables packed throughout the day. The Kitchen Step, another Jersey Avenue restaurant, offered to send help if they needed it and bought a bunch of hot pretzels to feed their staff.

Kahn has tried to be optimistic as possible throughout the pandemic, but admits the positive COVID-19 test knocked him down. The bar was closed from Nov. 8 until Nov. 12, until all the employees tested negative. But Fersa stepping up to help out, even for just one day, rejuvenated him. “I didn’t feel that feeling of defeat anymore. I felt like, ‘I’ve got this.’ It kind of revived me, like we’ll get through this closure. I felt like I needed that,” Kahn said. “Andre stepping in and helping me out really just brought me back.”

Read more

3 years ago · by · 0 comments

Couple Loans Cottage To Single Dad During Pandemic

Families around the globe have had to adjust to the stresses of the pandemic and it’s always comforting to hear of instances of people helping one another during this unprecedented time. When a single dad in England, Sam Smith, appeared on the BBC Breakfast Show to talk about what it’s like to be confined in a very small living area during the pandemic, Ken and Sheila Sims decided to help.

Everyone has faced challenges during the pandemic but many don’t realize there are families with children out there who are living in small spaces with little to no space to run around. Since lockdown began in England, Sam Smith, 6-year-old Lysander and 3-year-old Zenduel, have been confined to their one-bed apartment on the 15th floor of a high-rise in East London. During the interview, Smith described what it was like sometimes being confined in the apartment 23 hours a day with just 12 steps from one side of the main room to the other—and with local parks closed.

Ken and Sheila Sims were watching the interview from their home on the Devon coast. Ken grew up in a high-rise apartment building as a young boy, and felt especially saddened seeing the difficulties the Smiths were going through. Ken knew all too well the challenges of growing up in a small apartment but he didn’t have to live through a pandemic. Luckily, he knew just how to help and he wasted no time in offering the Smiths a week at their cottage on the English seaside so the family would have some space to play, explore and run.

Sam immediately said yes to the offer and he was touched by the kindness of strangers. “I can’t find the words… ” Sam said at the beach on his family’s Devon vacation. Motioning at the sky and water all around him, at his young sons making sandcastles, he exclaimed, “It’s beautiful!”

Read more

3 years ago · by · 0 comments

Iconic Strand Bookstore Sounds Call For Help

Like many independent businesses across the country, the beloved NYC book store the Strand is in trouble. A Greenwich Village fixture since 1927, known worldwide for its “18 miles of books,” the Strand is the single remaining establishment out of 48 bookstores that once ran the length of 4th Avenue’s famous Book Row. Unfortunately, with the Covid-19 pandemic reducing crucial foot-traffic, store proprietor Nancy Bass Wyden, granddaughter of the store’s original owner, posted a cry for help on Twitter.

In a last-ditch effort to save her beloved family business, Bass Wyden reached out to her customer base with a plea for help. “I’m going to pull out all the stops,” she tweeted, “to keep sharing our mutual love of the printed word. But for the first time in the Strand’s 93-year history, we need to mobilize the community to buy from us so we can keep our doors open until there’s a vaccine.”

The response from the Strand’s loyal clientele came in the form of an avalanche of 25,000 orders over the course of a single weekend that crashed the store’s website and brought in approximately $200,000 in sales. One patron ordered 197 books. That was followed up by round-the-block lines at the store’s flagship location on Broadway and East 12th Street in lower Manhattan when the store opened.

Having suffered heavy financial losses earlier in the year, even with the amazing outpouring of love and a much-needed boost in revenue, the Strand isn’t out of the woods just yet, but Bass Wyden is determined not to give up. Revenue was down 70% since this time last year, the business’ cash reserves had depleted, and the $1 million to $2 million loan the Strand received in government emergency relief in April is running dry.

Bass Wyden started working at the Strand in the mid-’70s, when she was 16, and inherited full ownership of the business, including the building at 828 Broadway, from her father, Fred Bass, after his death in 2017. The bookstore has withstood the Great Depression, two World Wars, and the 9/11 terror attacks, but the pandemic could be its downfall. “As the 3rd generation owner,” she said, “I have tried to imagine what my dad and grandfather would do right now after they spent their entire lives—6 days a week—working at the store. I don’t believe they would want me to give up without a fight.” Bass Wyden said.

“Never did I imagine that the store’s financial situation would become so dire that I would have to write friends and devoted customers for help,” owner Nancy Bass Wyden said in an open letter. “It hurts to write this, but that is the predicament that we are in now.” For the first time since her grandfather founded the store 93 years ago, Bass Wyden said, the time had come to ask customers for help. She’s asking all loyal lovers of the written word to start the holidays early and Shop the Strand to save the Strand.

Read more

3 years ago · by · 0 comments

Texas Mom Starts GoFundMe For Man Who Saved Her Daughter

A family out of Texas is hoping to repay a California man who they say helped save their 10-year-old child after she was caught in a rip current. On August 15th, ten-year-old Hayley Whiting and her family were enjoying a day at the beach on the last day of their vacation. Hayley was playing in the waves when she got caught in a riptide and was quickly being pulled deeper out to sea.

Her mother Samantha tried swimming out to save her daughter “I had her on my back, but it was slowly taking both of us down.” The two started screaming for help, which is when Kevin Cozzi, who was at the beach with his fiance, came to the rescue. “I’ve been swimming since I was three years old competitively, so I felt like I could get to them. I ran out there and as soon as I got to the mom, I knew she was struggling,” Cozzi said. Cozzi was able to reach Haylee and brought her closer to shore until a lifeguard jumped in.

After the heroic rescue, the parted ways. Months went by and Samantha only knew Cozzi’s first name and that he lived in Merced but she never stopped looking for the heroic bystander. It was only when she posted about the rescue in a local California Facebook group called Merced Neighborhood Watch that the two were reconnected within hours. Samantha set up a GoFundMe account and is now working to raise $50,000 to give Cozzi and his fiancé their dream wedding.
Cozzi and his fiancée had to postpone their wedding because of the coronavirus pandemic, so the Whitings decided to launch the GoFundMe to help them. So far, they are halfway there in just over a week. He is thankful for their fundraiser, but told ABC30, “That girl being saved was enough for me.”

Samantha and Haylee are grateful for Cozzi and plan to thank him again in person as they attend his wedding next fall. “If it wasn’t for him risking his life in such a selfless act, I would have lost not only my own life but my baby girl,” Samantha wrote on the fundraiser. “I want to raise money for Kevin and his fiancé to have their dream wedding and honeymoon… Lord knows he deserves so much more than this.” Hayley has one message for her rescuer. “Thank you so much and you were really brave to come out there,” she told KFSN. “He’s probably one of the biggest heroes I’ve ever met.” Cozzi happened to be in the right place at the right time to help the Whiting’s avoid tragedy and now their efforts along with the kindness of strangers is helping pay forward his bravery.

Read more

3 years ago · by · 0 comments

Fourteen Year Old Named America’s Top Young Scientist For Work On Potential Covid 19 Cure

A 14-year-old girl from Texas has discovered a molecule that can selectively bind to the spike protein of the SARS-CoV-2. Eighth grader Anika Chebrolu has been named the winner of the 2020 3M Young Scientist Challenge—America’s premier middle school science competition. She received a $25,000 gift for her award-winning work and a one-of-a-kind 2 day/1-night destination trip.

The Young Scientist Challenge is a youth science and engineering competition administered by Discovery Education and 3M for middle school students in the United States. Students apply by creating a 1-2 minute video detailing their idea for a new invention intended to solve an everyday problem. Ten finalists are chosen annually to work alongside a 3M scientist during a summer mentorship and receive a trip to the 3M Innovation Center in St. Paul, Minnesota, to compete for $25,000 and the title of America’s Top Young Scientist.

Anika’s winning invention uses in-silico methodology to discover a lead molecule that can selectively bind to the spike protein of the SARS-CoV-2 virus. Binding and inhibiting this viral protein would potentially stop the virus entry into the cell, creating a viable drug target. As part of her research, Anika screened millions of small molecules for drug-likeness properties, ADMET properties, and binding affinities against the spike protein using numerous software tools. The one molecule with the best pharmacological and biological activity towards the spike protein of the SARS-CoV-2 virus was chosen as the lead molecule that can be a potential drug for the effective treatment of COVID-19.

Initially, her goal was to use in-silico methods to identify a lead compound that could bind to a protein of the influenza virus. She was inspired to find potential cures to viruses after learning about the 1918 flu pandemic and finding out how many people die every year in the United States despite annual vaccinations and anti-influenza drugs on the market.

“After spending so much time researching about pandemics, viruses and drug discovery, it was crazy to think that I was actually living through something like this,” Anika said. “Because of the immense severity of the Covid-19 pandemic and the drastic impact it had made on the world in such a short time, I, with the help of my mentor, Dr. Mahfuza Ali, changed directions to target the SARS-CoV-2 virus.”

Anika said winning the prize and title of top young scientist is an honor, but her work isn’t done. Her next goal, she says, is to work alongside scientists and researchers who are fighting to “control the morbidity and mortality” of the pandemic by developing her findings into an actual cure for the virus. Chebrolu also received the “Improving Lives Award,” according to a release from Frisco ISD.

“I am extremely humbled at being selected America’s Top Young Scientist as all of the finalists had amazing projects and were extremely well-rounded individuals,” Anika said in the Frisco release. “Science is the basis of life and the entire universe and we have a long way to go to understand it fully.” While she hopes to be a medical researcher and professor in the future, she is already doing grown-up work and inspiring a generation to reach for the stars.

Read more

4 years ago · by · 0 comments

Neighbors Rally To Help Farmer

When 57-year-old Lane Unhjem suffered a heart attack while trying to put out a fire on his farm, he never imagined how quickly his rural community would rally to help him. One of his combines, which harvest crops, caught fire while he was working his farm in Crosby, North Dakota. Unjjem had a heart attack while working to put it out and was airlifted to Trinity Medical Center in Minot, North Dakota where he is in critical condition.

Close family friend, Jenna Binde, wanted to organize a group to help out on the farm while Unhjem was recovering. Binde and two local farmers began to organize a harvesting event, but she actually had to do very little to rally the troops. Farmers started calling and asking if they could help,” she said. “Within two hours of him being flown out of Crosby, I had over half the equipment and people already lined up.”

Binde said locals who knew she was close to the Unhjem family reached out to her — she never had to call anyone herself. On September 12, 60 volunteers showed up to the Unhjem farm, bringing 11 combines, six grain carts and 15 semis with them. “We live in a pretty rural area, so anyone within 10 miles can be considered a neighbor. Most were within 10 miles but others traveled farther than that because they are good friends with the Unhjems and wanted to pitch in.”

Most of the volunteers were farmers or their farm hands, she said. Unhjem already had his peas harvested before his heart attack but the group spent over seven hours on his durum wheat and canola crops. “The volunteers that came that day did more than just volunteer their time. They all had their own fields to still harvest but they selflessly put that behind them and made the Unhjems a priority that day.” Binde said. “The family is super thankful and it saved them a lot of headache and frustration of trying to figure out how they would get their crops off without Lane or a combine,” she said. “It was a pretty remarkable day and I was so happy to be a part of it.”

Binde said she didn’t think the gesture was a big deal. “This is just what we do around here when someone in our community is in need of help. What seems completely normal and natural to us here, unfortunately isn’t the case across the nation. I hope others read this story and forget about all the turmoil going on currently and just remember to lend a hand when needed and expect nothing in return. If we could all just do that, we’d be in a better place.”

Read more

Over 25 Years of Experience!

* State specific differences may apply to each insurance carrier or benefits provider, and each entity is responsible for their own contractual and financial obligations. Insurance products offered through HI4E.Org, Health & Life Solutions, LLC, and Health Insurance 4 Everyone, are not available to residents of New York or Oregon.

Get Social with us!

hi4e-800-number