Contact Us: ​(936) 327-4364
FIRST COMMUNITY FINANCIAL GROUP, INC.
  • Home
  • Quotes
    • Auto Quotes >
      • ATV Insurance Quote
      • Auto Insurance Quote
      • Classic Car Insurance Quote
      • Golf Cart Insurance Quote
      • Motorcycle Quote
      • RV Insurance Quote
      • SR22 Insurance Quote
    • Property Quotes >
      • Home Insurance Quote
      • Condo Insurance Quote
      • Flood Insurance Quote
      • Landlords Insurance Quote
      • Mobile Home Insurance Quote
      • Renters Insurance Quote
    • Business Quotes >
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Builder’s Risk Quote
      • Commercial Auto Quote
      • Farm Insurance Quote
      • Garage & Garagekeeper’s Quote
      • General Liability Quote
      • Insurance Bond Quote
      • Workers Compensation Quote
    • Health Quotes >
      • Health Insurance Quote
    • Other Quotes >
      • Boat Insurance Quote
      • Event Insurance Quote
      • Pet Insurance Quote
      • Umbrella Insurance Quote
  • Service
    • Report a Claim
    • Policy Review
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Contact My Carrier
    • Free Consultation
  • Insurance
    • Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Boat Insurance
      • Classic Car Insurance
      • Golf Cart Insurance
      • Motorcycle Insurance
      • RV Insurance
      • SR22 Insurance
    • Property >
      • Home Insurance
      • Condo Insurance
      • Flood Insurance
      • Landlords Insurance
      • Mobile Home Insurance
      • Renters Insurance
    • Business >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Builder’s Risk Insurance
      • Commercial Auto Insurance
      • Farm Insurance
      • Garage & Garagekeeper’s Insurance
      • General Liability
      • Insurance Bonds
      • Workers Compensation
    • Health >
      • Health Insurance
    • Other >
      • Event Insurance
      • Pet Insurance
      • Umbrella Insurance
  • About
    • Our Staff
    • Client Testimonials
    • Refer a Friend
    • Agency Photo Gallery
    • Accessibility Statement
    • Insurance Carriers
    • News
    • Blog
  • Contact
  • Home
  • Quotes
    • Auto Quotes >
      • ATV Insurance Quote
      • Auto Insurance Quote
      • Classic Car Insurance Quote
      • Golf Cart Insurance Quote
      • Motorcycle Quote
      • RV Insurance Quote
      • SR22 Insurance Quote
    • Property Quotes >
      • Home Insurance Quote
      • Condo Insurance Quote
      • Flood Insurance Quote
      • Landlords Insurance Quote
      • Mobile Home Insurance Quote
      • Renters Insurance Quote
    • Business Quotes >
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Builder’s Risk Quote
      • Commercial Auto Quote
      • Farm Insurance Quote
      • Garage & Garagekeeper’s Quote
      • General Liability Quote
      • Insurance Bond Quote
      • Workers Compensation Quote
    • Health Quotes >
      • Health Insurance Quote
    • Other Quotes >
      • Boat Insurance Quote
      • Event Insurance Quote
      • Pet Insurance Quote
      • Umbrella Insurance Quote
  • Service
    • Report a Claim
    • Policy Review
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Contact My Carrier
    • Free Consultation
  • Insurance
    • Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Boat Insurance
      • Classic Car Insurance
      • Golf Cart Insurance
      • Motorcycle Insurance
      • RV Insurance
      • SR22 Insurance
    • Property >
      • Home Insurance
      • Condo Insurance
      • Flood Insurance
      • Landlords Insurance
      • Mobile Home Insurance
      • Renters Insurance
    • Business >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Builder’s Risk Insurance
      • Commercial Auto Insurance
      • Farm Insurance
      • Garage & Garagekeeper’s Insurance
      • General Liability
      • Insurance Bonds
      • Workers Compensation
    • Health >
      • Health Insurance
    • Other >
      • Event Insurance
      • Pet Insurance
      • Umbrella Insurance
  • About
    • Our Staff
    • Client Testimonials
    • Refer a Friend
    • Agency Photo Gallery
    • Accessibility Statement
    • Insurance Carriers
    • News
    • Blog
  • Contact

First Community Financial Group, Inc. Blog

Insurance pointers and timely information at your fingertips.

New Year’s Eve: Different Celebrations and Traditions

12/28/2023

0 Comments

 
You can’t say goodbye to 2023 and welcome another year without celebrating New Year’s Eve. Various countries have their own traditions and celebrations, but there are also common ways to celebrate this special occasion.

Eating Good Luck Food
One of the highlights of New Year’s Eve is the different kinds of food to be shared with family and friends. However, as we’re anticipating a better year, we also love to pick those that have meanings and let us bring good luck, like the following examples: 
12 Grapes at Midnight
A popular tradition in Spain includes eating 12 grapes on New Year’s Eve — that’s one grape at each stroke of the clock at midnight. These grapes represent the 12 months, and you have to eat all of them to enjoy a lucky year. Otherwise, the upcoming year might be harsh to you. So, you better chew all of them before the clock stops chiming!
Cakes
In Greece, Mexico, the Netherlands, and other countries, round cakes symbolize the circle of life. Others would put some trinkets or coins inside the cake. Then, if you’re lucky to get it, you’re expected to experience good luck in the coming year.
PorkPigs symbolize progress in countries like Austria, Portugal, and Cuba. So, eating pork on New Years’ Eve is common as a way to attract prosperity for the next 365 days.
Legumes
Legumes look like old Roman coins and symbolize financial prosperity. That is why Italians have lentils, and Americans add black-eyed peas to their dishes on New Year’s Eve. 
Noodles
​
Long noodles are thought to give you a longer and healthier life. You’re supposed to eat them while making sure they don’t break in half. Meanwhile, in Japan, people eat soba noodles on NYE to symbolize their journey from the old year to the new one. This also means leaving behind their regrets in the last year.

Wearing the Right Underwear
A few countries, particularly in Latin America, have this superstition that you can manifest success and prosperity if you choose the right color of underwear. For instance, if you want to get lucky in love and relationships, wear red underwear on NYE. Meanwhile, yellow underwear could bring you luck, money, and happiness.

Sharing a Midnight Kiss
Another popular New Year’s Eve tradition that most people, if not all, love is the midnight kiss — with your partner or even a new friend. Wondering how this part of the history of New Year’s Eve started? It’s thought to be from Saturnalia, a pagan festival in ancient Rome, which involved a lot of singing, dancing, drinking, socializing, sharing gifts, and kissing!
In German and English folklore, a midnight kiss is a great way to start the New Year as it would help you bring good luck. Also, it’s believed that the person you kissed contributes to the fate of your year. So, you might want to pick your partner carefully.

Making New Year’s Resolutions 
From achieving a healthier body, spending more time with family, and pursuing goals and aspirations, to loving ourselves more, we’re fond of creating New Year’s resolutions. However, did you know that this tradition started about four millennia ago? Babylonians would make promises to the gods to ask for a better year.

Then, Romans would also offer sacrifices and promise Janus to show good deeds. These include returning farm tools that they borrowed from others and settling their debts. Meanwhile, Christians treat the occasion as a time to learn from their shortcomings in the past year and focus on ways to become better for the upcoming year. While the spiritual side of New Year’s resolutions is gone, creating New Year’s resolutions has been centered on personal development.

Throwing Fireworks

Ringing in the New Year also involves throwing fireworks or using different types of noisemakers. If you want to know when or where the firework tradition began, we have to go back to the seventh century A.D. in China.
Fireworks were meant to scare off evil spirits. They’re also known to bring prosperity and good luck. Even different designs and colors correspond to various types of luck, including fertility, love, and health.

Keeping Doors and Windows Open

It may be cold on New Year’s Eve, so keeping your doors and windows open might not be a good idea. However, in the Philippines, doing this at midnight helps you get rid of the negative energy from last year and attract good energy for the upcoming year.

Hanging Onions on Your Door
This sounds like another bad idea as your home might not look or smell great during New Year’s Eve. However, in Greece, this practice means growth and rebirth. Parents would then ask their children to put the onions on their heads to draw good luck for the year to come. 

Throwing Water Out the Window
Another practice believed to ward off evil spirits is throwing water out the window on NYE. This is especially popular in Latin America. The tradition also symbolizes renewal, making it a good way to say goodbye to the old year and start a new one.

Wearing White Clothing
In Brazil, a beach getaway is a common way to celebrate New Year. However, people there also love to wear white outfits during New Year’s Eve to experience good luck and peace for next year.

Singing Auld Lang Syne
​
If you’ve been to some New Year’s Eve party, you must have heard people singing the Scottish song “Auld Lang Syne.” In the English language, it means “old long since” or “for the sake of old times.” Want to know more about the origin of this popular song? In 1788, Robert Burns wrote this poem in the Scots language. However, it was inspired by a Scottish folk song.

Even if you don’t know or understand the lyrics, you’ll still enjoy it, with everyone forming a circle, singing, and holding each other’s hands. While “Auld Lang Syne” is about old friends and memories, it’s also a perfect song to bid farewell to an old year and welcome a new one.

Dropping the Ball on NYE
Watching the ball drop at midnight — either in person or on TV — in Times Square has been embedded in the history of New Year’s Eve too. However, you might ask how this tradition even began. Back in the day, sailors would use what’s known as time balls or chronometers for setting their timepieces. Through a spyglass, they would navigate the harbor and find balls thrown into the water at specific periods.

In 1829, the earliest time ball was dropped in Portsmouth. England. Another one was used in 1845 in Washington, D.C. Then, in 1907, the tradition of dropping the ball in Times Square on New Year’s Eve began.

Having a Toast

One of the most popular ways to welcome the upcoming year is to make a champagne toast. It originates from Christians’ tradition of drinking wine in the Eucharist symbolizing the blood of Christ. 
In the Champagne region in France, wine started becoming present during baptisms. Thus, it was slowly being used in any religious gatherings. Ancient people would also raise their glass and drink to health and honor. Now, individuals from different parts of the world would make that toast to ring in the New Year.

​

Picture
0 Comments

How to survive holiday traveling

12/19/2023

0 Comments

 
This time of the year is always hectic, especially when you add traveling into the mix. Between standstill traffic on the roadways, packed airports, crying kids and canceled flights - it can put a damper on your holiday spirit. To avoid all the craziness, we put together some tips and tricks to get you to your holiday destination safe and sound. Remember, it's always important to do your research, plan ahead and be prepared for the unexpected!

  • Don't travel during high peak times. Sitting in bumper-to-bumper traffic is no fun. If you want to avoid this, leave earlier (or later) than everyone else. The few days before Christmas and the day after New Year's Day are all peak travel days. However, if you do end up traveling on these days, plan for more cars on the road and add to your driving time. The same advice goes for airports if you want to avoid long check-in lines and crowds. If you have to fly during peak travel days, add some patience to your travel gear so you are prepared for whatever experience awaits at your local airport.
  • Check your flight information often. If you show up to the airport without having checked the status of your flight, you may be in for a rude awakening. During this time of the year, weather changes frequently and can delay or cancel flights unexpectedly. To stay on top of things, follow your airline on social media, check-in online 24 hours ahead of your flight, download the airline's smartphone app or call the airline before you leave your house!
  • Pack light. If you're flying, minimize added fees by limiting your baggage to carry-on items only. This way you'll also avoid the baggage check-in lines all together. A good packing tip is to plan your days ahead while packing. For example, if you're leaving for four days, you really only need 4-5 outfits (plus, you'll be wearing one already!). We also suggest you ship larger gifts to your destination instead of packing them. Or keep the gifts simple by buying gift cards for your family members!
  • Carry an emergency road kit. This is essential for long road trips. During the winter, the roads can be filled with ice and snow… and these conditions can take a toll on your car. Because of the potential for inclement weather and extra cars on the road, you'll want to be ready for anything.
  • Pack food and drinks for the road. Doing this means less stops and happier passengers. Bring along nonperishable food like beef jerky or granola bars. If you have a cooler, pack easy meals like sandwiches and yogurt. If you're flying, solid foods like potato chips or apples are allowed through security, but skip the drinks.⚹
  • Bring items to entertain the kids (and yourself). We all know long car rides and layovers at the airport are tiresome. If you have a DVD player in your car, bring movies that will keep kids entertained for a while, or let them play games on a tablet with each other. If you want more fun ideas, purchase some road trip games that everyone can enjoy. Plus - there's always the classics: "I Spy" or "20 Questions." If you're driving solo, have your favorite playlist or podcast downloaded and ready to go! You'll be surprised how quickly time will fly.
Most importantly, don't forget to bring a positive attitude! It will certainly make the traveling process a lot smoother, and remember - there's always a solution to everything. Have fun and save travels!
⚹ https://www.tsa.gov/travel/security-screening/whatcanibring/printable
Picture
Picture
0 Comments

Preparing for winter storms and blizzards

12/14/2023

0 Comments

 

Blizzards are the most dangerous of winter storms. They produce high winds and heavy snow throughout much of the United States from December to March.

They are most common in the northern Great Plains states - South Dakota is sometimes called “the Blizzard State” - but they also occur as far south as Texas and as far east as Maine. (Re: Texas in 2022 Looking Back on Snowmageddon| January|February 2022 | TPW magazine) 

Many blizzard-related deaths involve people who die of hypothermia in their cars, on the street or in wilderness areas. Sadly, most of these deaths could have been avoided with proper preparation. Blizzards also cause countless cases of frostbite, as well as damage to unsupported structures and homes.

Winter Storm Watches and Warnings

If you live in a snow-prone area, pay close attention to weather forecasts and listen for watches and warnings like these:
  • Winter Storm Watch:Severe winter conditions, such as heavy snow or ice, are possible within the next day or two. Prepare now!
  • Winter Storm Warning:Severe winter conditions have begun or are about to begin in your area. Seek shelter!
  • Blizzard Warning:Snow and strong winds will combine to produce a blinding snow (near zero visibility), deep drifts, and life-threatening wind chill. Seek refuge immediately!
  • Winter Weather Advisory:Winter weather conditions are expected and may be hazardous, especially for motorists.
  • Frost/Freeze Warning:Below freezing temperatures are expected and may cause significant damage to plants, crops, or fruit trees. In areas unaccustomed to freezing temperatures, people who have homes without heat need to take added precautions.
You can check the current weather forecast for your area.

Plan Ahead for Winter Storms

Play it safe by preparing ahead for winter storms and blizzards. Remember, these storms can cause loss of electricity, heat, and telephone service and can trap you in your home for a few days. It's important to have ample supplies on hand in your home:
  • Flashlight and extra batteries.
  • Battery-powered NOAA weather radio and portable radio to receive emergency information. These may be your only links to the outside.
  • Extra food and bottled water. High energy food, such as dried fruit or candy, and canned food requiring no cooking or refrigeration is best.
  • Manual can opener.
  • Extra medicine and baby items.
  • First-aid supplies.
  • Heating fuel. Fuel carriers may not reach you for days after a severe winter storm.
  • Back-up heating source, such as a fireplace, wood stove, space heater, etc.
  • Fire extinguisher and smoke detector.
Be sure to carry a survival kit in your car that contains:
  • Cell phone
  • Blankets/sleeping bags
  • Flashlight with extra batteries
  • Knife
  • High calorie, non-perishable food
  • A can and waterproof matches to melt snow for drinking water
  • Sand or cat litter
  • Shovel
  • Windshield scraper
  • Tool kit
  • Tow rope
  • Jumper cables
  • Water container
  • Compass
  • Road maps
  • Extra winter clothes and boots
Also, keep your vehicle's gas tank full in case you get stranded and to keep the fuel line from freezing.

How to Dress for Winter Weather:
  • Wear several layers of loose-fitting, lightweight, warm clothing rather than one layer of heavy clothing.
  • Remove a layer or two if necessary to avoid overheating, perspiration, and subsequent chill.
  • Make sure outer garments are tightly woven and water-repellent.
  • Wear mittens - they are warmer than gloves.
  • Wear a hat.
  • Cover your mouth with a scarf to protect your lungs from extremely cold air.
  • Wear sturdy, waterproof boots in snow or flooding conditions.

If You're Away From Home When the Storm Hits:
If you're outside:
  • Find a shelter out of the wind. Try to stay dry and cover all exposed parts of your body.
  • If you can't find shelter, prepare a lean-to, windbreak or snow cave for protection from the wind. Build a fire for heat and to attract attention. Place rocks around the fire to absorb and reflect heat.
  • Don't eat snow - it will lower your body temperature. Melt the snow first.
If you're in a car or truck:
  • Pull off the road and turn on your hazard lights.
  • Stay inside your vehicle. It's easy to become disoriented in the wind and snow. Do not set out on foot unless you see a building close by where you know you can take shelter.
  • Run the motor about ten minutes each hour for heat.
  • Open the window a crack to avoid carbon monoxide poisoning.
  • Make sure the exhaust pipe is not blocked by snow.
  • Exercise frequently to keep blood circulating and to keep warm, but don't overexert.
  • Huddle with other passengers and use your coat as a blanket.
  • In extreme cold, use road maps, seat covers, floor mats, newspapers or extra clothing for covering-anything to provide additional insulation and warmth.
Make yourself visible to rescuers:
  • Turn on your dome light at night, but only when running the engine. You don't want to wear down your battery.
  • Tie a distress flag (preferably red) to your antenna or window.
  • Raise the hood to indicate trouble after snow stops falling.
Once the blizzard is over, you may need to leave your vehicle and proceed on foot. Follow the road if possible. If you need to walk across open country, use distant points as landmarks to help maintain your sense of direction.

If you're in your home or a building:
  • Stay inside.
  • If you must travel, do so during daylight. Don't travel alone. Stay on main roads, and tell others about your route and schedule.
  • Conserve fuel, if necessary, by keeping your house cooler than normal. Temporarily shut off heat to less-used rooms.
  • When using alternative heat from a fireplace, wood stove, or space heater, use fire safeguards and properly ventilate.
  • If using kerosene heaters, maintain ventilation to avoid buildup of toxic fumes. Keep heaters at least three feet from flammable objects. Refuel kerosene heaters outside.
If there's no heat:
  • Close off unneeded rooms.
  • Stuff towels or rags in cracks under doors.
  • Cover windows at night.
  • Stay nourished:
    • Eat food to provide your body with energy so it can produce its own heat.
    • Keep your body replenished with fluids to prevent dehydration.
After the Blizzard has Passed:
  • Look for any damage that may have occurred to your home and make sure water pipes are functioning. Check out the freezing pipes information on this site for help. If there are no other problems, wait for streets and roads to be plowed before you drive anywhere.
  • Check on neighbors to see if they need help.
  • Pace yourself and rest frequently when shoveling snow - don't overexert. Shoveling causes many heart attacks, especially in very cold temperatures.
With a little planning and know-how, you can make this winter a safe and warm one for you and your family.
0 Comments

Celebrating Hanukkah: What is Hanukkah?

12/10/2023

0 Comments

 

​How to Explain the Hanukkah Story to Kids (parents.com)

The article link above explains what Hanukkah is about, its history, and traditions. 

"Hanukkah" means dedication in Hebrew, and the Jewish holiday, also known as The Festival of Lights, represents joy. It's punctuated by an eight-night display of dancing flames atop candles held in intricate menorahs, conveying warmth, comfort, and a miracle. Looking to teach your own kids (or yourself) the Hanukkah story? Here's how you can simplify it for our youngest generation while highlighting its spiritual significance.


Picture
0 Comments

Driving on black ice

12/5/2023

0 Comments

 
Picture

​Although snow can make winter driving difficult, it's not the real threat. Icy roads are one of the top causes of car accidents in the United States, and cause hundreds of deaths each year. It's easy to lose control of your car when the roads are icy and is difficult to gain control again. There aren't any fool-proof ways to avoid black ice, but you can certainly protect yourself by understanding and knowing how to deal with this seasonal issue!
  • Know where to expect black ice -- Black ice is generally formed when a light rain or drizzle falls on a road surface that is below freezing and is most common at night or in the early morning when temperatures are at their lowest. AccuWeather suggests watching out for bridges and underpasses, road areas shaded by the sun, or low-lying areas that may have standing water or run off from nearby melting snowbanks.
  • Look for black ice (when you can) -- If lighting conditions are right, a driver might be able to spot ice on the road. If the majority of the road you are driving on appears to be a dull color except for one section that appears to be shiny, odds are, the glossy area is ice. Keeping headlights on might help provide that visible shine.
 
  • Check your tire tread -- Use the penny test to check treads — if you can see Lincoln's head, get new tires! If not, you're good to go. For more car preparation tips like this one, follow our blog to the Winter Auto Safety Checklist.

Here are some tips to help you regain control of your car if you're sliding on black ice:
  1. Stay calm.
  2. Don't make sudden movements, you would only lose more control.
  3. Do not hit the brakes.
  4. Try to keep the steering wheel straight.
  5. If you feel your car sliding right or left, make a gentle turn in the SAME direction you feel you're going.
  6. De-accelerate slowly by lifting your foot from the gas pedal.
  7. If you can, shift into a lower gear.
  8. If you still cannot gain control of your car, try to steer into an area with low impact like a snowbank or empty field.
  9. Find a safe location to park your vehicle as soon as possible.
​
Hopefully you now feel better prepared to brave the winter ahead!​

Picture
0 Comments

    Contact Us

    (936) 327-4364
    115 W. Polk St.
    Livingston, TX 77351​
    Click Here to Email Us

    Archives

    April 2025
    March 2025
    February 2025
    January 2025
    December 2024
    November 2024
    October 2024
    September 2024
    August 2024
    July 2024
    June 2024
    May 2024
    April 2024
    March 2024
    February 2024
    January 2024
    December 2023
    November 2023
    October 2023
    September 2023
    August 2023
    July 2023
    June 2023
    May 2023
    April 2023
    March 2023
    February 2023
    January 2023
    December 2022
    November 2022
    October 2022
    September 2022
    August 2022
    July 2022
    June 2022
    May 2022
    April 2022

    Categories

    All
    ATV's
    Autos
    Boat
    Builder's Risk
    Business Insurance
    Classic Vehicles
    Commercial Insurance
    Condo
    Do It Yourself
    FAQs
    Farm
    Financial
    Flood
    Fun
    Getting Organized
    Golf Carts
    Health And Wellness
    Holiday Info
    Homes
    Hurricane Season
    Insurance
    Jewelry Insurance
    Life Insurance
    Local
    Mobile Homes
    Motorcycles
    Renters
    RV's
    Safety
    Savings
    Seasonal
    Small Business
    SR22 Insurance
    Summer
    Teen Drivers
    The More You Know
    Tiny Home
    Travel
    Valuable Items
    YouTube

    RSS Feed

Navigation

Homepage
Insurance Quotes
Policy Service
Insurance Products
Contact Us
Agent Login

Connect With Us

Share This Page

Contact Us

First Community Financial Group, Inc.
115 W. Polk St.
Livingston, TX 77351
(936) 327-4364
​Click Here to Email Us
Review Us

Location

Picture
Lake Livingston State Park Dock photo by Larry D. Moore | CC-BY-4.0 |  Website by InsuranceSplash