It’s cold, it’s wet, and you just want to curl up on the couch with a hot drink and a book. It can be hard to keep up a healthy lifestyle when it’s cold outside, but it’s not impossible. Here’s why you need to stay active and some tips to help you get back in the swing of things!
Why Exercise During Winter?
There are benefits to exercising year round, but some are unique to winter. If you exercise outdoors in the sun, you are boosting your vitamin D, which can drop naturally in the winter due to fewer daylight hours. According to the CDC, daily exercise during the winter can also improve your immunity to things like colds and flu and other bacterial infections.
Find Indoor Locations to Exercise
If your exercise of choice is walking, you can walk almost anywhere! We’ve all seen the “mall walkers” before, and although some might think they are silly, they’re getting their exercise in and staying out of the elements! Don’t be afraid to try out a new activity like mall walking. Other indoor activities include following workout videos at home, indoor swimming and other gym activities, climbing stairs on your work break, and more. If you do decide to exercise out of doors, make sure to wear the warmest clothes you can, stay hydrated, and make the most of daylight hours. If exercising outside at night, wear reflective clothing to stay safe.
Seek Out Community Classes
Winter is notorious not only for the colder weather, but also for increased loneliness and depression. A great way to combat this is by joining a group exercise class! You don’t have to go to a paid gym to find these classes. They may be available for free from your community’s recreation center. Whichever gym you choose to go to, you will be sure to find exercise classes that suit your interests. You will get your body moving and may even make new, like-minded friends.
Stay Healthy In Other Areas, Too
Winter is a season packed with holidays, and with the holidays comes rich foods and drink. It can be tempting to just give up on trying to eat healthy, especially when all you want to do is hibernate and eat comfort food in the warmth of your home. However exercise must be used in conjunction with diet in order to have observable healthy benefits to your life. Getting enough sleep is also paramount to keeping up a healthy lifestyle. You might feel less inclined to get your body moving in the winter, but it is truly the best thing you can do for your overall health and wellness!
With colleges starting back up, maybe you have a child returning to school or leaving for the first time. You’ve got the twin XL sheets, the posters and the textbooks. Did you know that you also might need insurance for your college student?
If you already have auto insurance for your child’s car (and you should!), don’t cancel it if they are not taking their vehicle to college with them. There is a chance your auto insurance premiums could actually drop significantly if your child moves more than 100 miles from home. Most importantly, your child will still be covered when they return home and drive their vehicle. If they do take their vehicle off to college, thankfully they should still be covered under your policy. However your premiums may change depending on where your child is living during college – especially if they go out of state.
The good news is that if your child will be living in on-campus dorms or other university sponsored housing, their possessions should remain covered under your homeowners insurance. It’s important to note that the coverage limits may be different, so be sure to thoroughly discuss everything with your insurance agent before your child leaves.
If your child will be living off-campus, their possessions will no longer be covered under your homeowners policy, and you will need to purchase a separate renters insurance policy to cover their items. A renters policy can protect your child’s expensive electronics such as a laptop or TV as well as other high value items like musical equipment or instruments. Like your homeowners insurance, your child’s renters policy also covers their insured possessions whether they’re inside your child’s living quarters or not.
Although your child is eligible to remain on your own health insurance plan until they turn 26, there are still some things to consider when they leave for college. If your child will be living out of state during the school season and is not willing or able to return home for doctors’ visits, they may struggle with finding in-network providers. With the exception of emergencies, many health policies offer limited or no coverage for out of network providers. Before you make any moves, check with your child’s school to see if there are any in-network providers close to campus.
If there are not, you have two options. First, you can have your child knock out all necessary medical appointments before leaving for school and schedule future appointments to coincide with breaks. If you do want the peace of mind that good coverage offers, look into supplementing your child’s health coverage with a student health insurance policy. Coverage may also be available through their college or your child could purchase their own coverage in the health insurance market.
Sending your child off to college is an exciting time, whether they are a freshman or a fifth-year senior. Make sure your student has all the protection they need by utilizing the right insurance tools.