Health Insurance Enrollment Process

Location-Palooza -

chat with Santa online - or track him as he makes his rounds

What would be the 12 days of Christmas gifts cost in 2013?

10 Bizarre Christmas Traditions around the world

25 Saddest of Santa Photos Ever

And stay safe!
Use your credit card to the target? Here's what to do if your data may have been swiped

Celebrate safely through the winter holidays

vacation Risk Checklist

Holiday and Christmas outreach materials fire safety shaft

I wish you the best holidays - see you in the new year

Scam Alert Central New England: the FBI does not call you a loan -

The regional office of the Better Business Bureau is warning consumers to be wary of a scam phone in which a caller claiming to be from the FBI.

"the Better Business Bureau of Central New England (BBB), based in Worcester, issued the warning in response to a call from a resident of the area. According to the BBB, the scammer said the FBI is monitoring the online consumer activity and seeks to collect on an unpaid balance of the loan. to erase the debt, the consumer must transfer the money transfer to the agent, the BBB said. " Learn more about this latest scam phone in the Worcester business Journal

is one that has been going around for some time in various parts of the country and callers are very aggressive and threatening. See Opinion of the FBI: New Twists to the collection Phone Scam Related to Delinquent Payday Loans

Try to avoid this scenario scary winter driving -

We may have posted this scary movie there once a few years - the pilots who navigate ice, snowy hill Seattle - but it seems like the perfect thing given weather New England today.

The following clip offers a quiz winter driving from the people upwards Ontario - they know a bit about driving snow. See how you do.

If you or someone you know needs a bit of a recycling line, try Michelin Winter Driving Academy. Remember, make sure you have two things in your car :! An emergency kit and phone number of your insurance agent

Tax Scams: 2013 Dirty Dozen -

You may be dreading the tax season, but there are some people who could not be happier: criminal cartels. They hope to intercept your tax refund to con you to pay fines false or steal your identity. They have an arsenal of increasingly sophisticated tricks: fake emails, texts, websites and telephone scripts. It is a great business because, unfortunately, there is no shortage of victims. Read fiscal 2013 Dirty Dozen Scams, IRS issued a list of the most common tax scams last year.

What are the warning signs of common fraud?

• Threats and promises . All messages via email, text or phone which include frightening threats that require immediate action or promise refunds, rebates or gains should be immediate red flags.

• The requests for personal information . The IRS does not send any communication requesting your PIN numbers, passwords or similar access information for credit cards, banks or other financial accounts. Do not give this information to either phone callers.

• Email with links and attachments . Scammers are good to create email that appears "official." Do not open links or attachments from people you do not know. Make a habit of hovering over messaging links to reveal the real address before clicking because the apparent link can not lead where it says.See How to know if a link is safe without clicking.

Be skeptical of emails. Look for misspellings and bad grammar. One trick you can use is to copy a paragraph from a suspicious email into the Google search box - it often reveals that many people have the same email and point to a number of alerts that mail is fraud. You can also see alerts of consumer IRS.

This is more about how to recognize phishing emails, and here's how phishing report problems to the IRS.

Your cat has an important reminder of security for you this weekend -

If cats could talk, they remind you that this week is the 'time to Daylight so you need to set your clock forward one hour. In addition, they will tell you it is a good time to change the batteries in your smoke detector and your carbon monoxide detectors.

What do you think your cat does not care?

Not true ... the idea that cats are aloof is a bit of a myth - and we can prove it. Last week, a cat named Meatball saved eleven people waking up from its human when he smelled smoke on a French farm. But do not count on the chat detection method to save your family -. Change your batteries this weekend

Check out this cute video, guide a cat to take care of your human to see other ways that our cats look out for us.

Two common household items that are very dangerous for your children -

Button batteries are toxic and can cause serious injury to your child in case 'ingestion. We find these micro batteries in increasingly remote current products greeting cards. While some used in toys are secured, many are more accessible and parents should take special care to keep products with batteries away from small children.

one part detergent packets are also attractive for young children - are often packaged in bright colors, are spongy to the touch and smell as good. They are attractive and may look like candy or toys for children. It is important to store them properly.

Call 1-800-222-1222 will connect you to a poison control center your region. Poison centers are open to take your call 24 hours a day, 7 days a week, 365 days a year, in 161 languages, and hearing loss. You can also find a poison control center near you this clickable map.

Curious Critters Klepto Steal Photo: Will insurance cover this -

The cameras are a prime target for theft - not all thieves are human variety ?. Apparently, animals are almost as intrigued by the cameras and selfies we are. See the cute video clips below.

If a monkey or an eagle steals your camera while you're on vacation, will your insurance cover that? If you have homeowners, renters or condo insurance, it should - most policies cover your possessions at home and away, up to a specified dollar limit. Of course, it depends on your particular policy, so check with your agent about your coverage and limits - and discuss any equipment, collections or articles particularly expensive. If they exceed your limits, you may need a rider of valuables. And remember - keep a home inventory, if you do not already have one.

When you buy an expensive technology, it is a good idea to register it with the manufacturer - not only for the security, but also for the serial numbers, which can help track if stolen. There is an online database that could help the recovery - at least if your thief is human. If the thief is the variety of animals, you're on your own

Remember - do not put yourself at risk if you are a victim of theft, whether animal or human. The property is replaceable -. You are not

A Friday afternoon just for fun-: - animals solving problems

As the week winds to a close, we thought we'd share some of our recent favorite video found on animals resolution problems.

Lucy intelligent beagle figures out how to get what she wants.

then, is how "cat Ninja" solves his problem.

This is an octopus who is determined to understand how to get dinner.

Finally, this baby moose needed human intervention to get out of his jam.

We hope you'll have a weekend without problems!

Fraud Watch: Auto Accidents stepped -

In cooperation with the Los Angeles Police Department (LAPD), the National Insurance Bureau of Crime (NICB) produced videos HD showing some of the more common methods of motor vehicle accidents staged to defraud insurance companies

According to NICB :. "Staged traffic accidents are on the rise, endangering the life and increasing the rate of innocent drivers who may unwittingly think they are fault auto insurance. Staged accidents are most common in" no fault " states like Florida and New York, where the stager insured can receive injury from their own car insurance company through their personal injury protection, or PIP, coverage. "

[accidents

"tiered are generally carried out by organized groups that target drivers and vehicles that may be provided. The organizers frequently recruit participants who receive a cash payment to join the program and to claim they were injured in the accident. the organizers then have medical care providers who are in the system bill, car insurance companies for medical treatments that may be unnecessary and may or may not be completed. "

The luckiest unlucky to ever live -

Insurance is all about probability and risk planning. Croatian music teacher Frane Selak defies the odds - look at his incredible story.

In a postscript to this story with a nice twist, Mr. Selak explained how he felt things:

"I thought never been lucky to survive all my brushes with death. I thought the misfortune of being in them in the first place "

He added that people were always telling him he was lucky to have survived so many disasters but he added ". I always think that I'm unhappy to have been in them in the first place, but you can not tell people what they do not want to believe. "

years later he had a change of life that made him realize he had really" charmed and blessed life.

This hedgehog knows how to make the celebration -

OK, Friday afternoon in the summer? We'd say it's time to party. What better than a little hedgehog to a tiny birthday? Not much cuter than this ... but after all those extra candy, it might be time for a hedgehog dentistry. We hope that he has a dental insurance to cover this work!

And if you have not reached the maximum level cute and we close with little tiny hamsters eat burritos.

The Internet was made for that.

Aftermath images storms; Also, flooding and insurance links cellar -

He was an incredible two days of rain, storms, floods and tornadoes warnings here in New England. Yesterday, there was a confirmed tornado in Wolcott CT (see video) and the National Weather Service is investigating whether a tornado occurred in Revere today. (Updated :. Revere confirmed tornado - see a video of damage)

Hopefully your damage is not too bad, but one thing seems obvious: many communities suffer the damage by flash floods. We note a lot of traffic to our blog posts about problems at home - here are links if you need: water in the basement: What does the insurance cover? and does not cover insurance of the owners of a flooded basement

Meanwhile, we integrated some tweets with visual damage below - see more photos of Revere damage the photos are posted on Twitter.

Is that a tornado struck just Revere? http://t.co/VH1szleMaT pic.twitter.com/E9U3wIoKss

- Boston.com (@BostonDotCom) On July 28, 2014

Revere damage 7News pic.twitter.com/AEUlvqCGJO[1945004#]

- Steve Cooper (@ scooperon7) On July 28, 2014

Sky is about 7 significant damage to Revere live .. # 7News pic.twitter.com/NdLGfWkk2U

- Brad Tatum (@BradTatum) July 28, 2014

PHOTO: storm damage in Revere. Meteorologists determine whether the city was hit by a tornado http://t.co/3IixuJDRBd pic.twitter.com/xb6AwOz124

- The Boston Globe (@BostonGlobe) On July 28, 2014

Watch Live: storm Damage air Video in Revere http://t.co/vSCdXMQe14 pic.twitter.com/9PF8RWjlBJ

- WBZ Boston News (@cbsboston) on July 28, 2014

along Bromfield Road rain covered cars Somerville after storms this morning http: //t.co/lnNWpB3yVm pic.twitter.com/4dh0wNDd0H

- the Boston Globe (@BostonGlobe) on July 28, 2014

#MAtraffic #Lynnfield The tunnel is closed for #flooding. pic.twitter.com/6MGKxTcPqw

- Mass State Police (@MassStatePolice) On July 28, 2014

Delaying Social Security can make higher monthly benefits -

Waiting to take Social Security benefits after age full retirement will increase your monthly benefit as much as 76 percent, according the nonpartisan national Academy of social insurance (NASI). This short video explains why.

.

This is an example of how an application for benefits earlier or later would affect someone who would gain $ 1,000 to the normal retirement age

NASI said deals this advice:

• If you need social security to make ends meet, take it. You've earned
• If you can wait, even a year or two, your monthly benefit will be higher -. For the rest of your life
• If you are married you. two lives to plan. If you are the highest income, waiting to take Social Security means providing higher survivor for your spouse if he or she survives you.

You can visit the Social Security to get an estimate of your retirement benefits. Once on Social Security, can you expect the benefits to go up? Most years there is a small increase called cost of living adjustments (COLA). To see how the benefits of social security have increased over the years, see this table for 1975-2013 COLA increases.

Scam Alert: The IRS will call you to make threats -

Police warn residents in West Springfield on telephone scammers claiming to be IRS agents. In fact, this scam is happening all over the country - and is likely to continue because the IRS says that thieves have swindled more than $ 5 million victims already

Here's how it works :. You get a call from an alleged agent who tells you that you owe back taxes. These are very sophisticated fraudsters - they can usurp the IRS toll fees on caller ID to make it appear that it is the IRS call. They may even know the last 4 digits of your social security number. The caller threatened to imprison you, send the police evict you, seize assets or freeze accounts if you do not take immediate action. Callers are said to be very aggressive and threatening and make repeated calls. After hanging up, they may have other people call you claim they are the local police or other officials who "corroborate" the scam.

Another alternative is to tell you that they need you money and they need details of your bank account to send it to you. There is always a "you must act immediately" aspect to the scam

A couple North Carolina described how the scam that defrauded of $ 16,000 went :. They withdrew from the money from the bank and bought a prepaid credit card and read the fake agent on the phone number.

who are the most vulnerable victims? the elders. concerned deportation immigrants. people who actually owe money and are worried about it. but everyone, really. most of us think that we are too smart to be scammed, but even smart people can be fooled by criminals teachers who know how to prey expert on our confidence, our fears or our greed.

If you have relatives or elderly neighbors, you may want to alert them to the scam

this is what the IRS says:
IRS has issued repeated warnings, but issued a recent warning phone scam because of the volume of calls that take place across the country.

There are clear signs of warning about these scams, which continue at high levels throughout the nation, "said IRS Commissioner John Koskinen. "Taxpayers should remember their first contact with the IRS will not be a call out of the blue, but through official correspondence sent by mail. A big red flag for these scams are angry calls from people who say they are from the IRS and urging immediate payment threatening. This is not how we operate. people should hang up immediately and contact the IRS or TIGTA "

in addition, it is important for taxpayers to know that the IRS :.

• never request credit card, debit card or prepaid phone card.
• never insists that taxpayers use a specific method of payment to pay the tax obligations
• never demand immediate payment by phone and will not take enforcement action immediately after a telephone conversation. Taxpayers usually receive a notice of IRS enforcement action involving IRS liens or taxes.

Driving in the rain can be difficult: How to avoid hydroplaning -

When there is snow or ice on the road, drivers are cautious, but the rain is such a common occurrence that drivers are sometimes too trusting. It is a mistake that could be costly or even fatal. According to the Federal Highway Administration

"Most of weather-related accidents occur on wet pavement and during rain each year 75 percent of weather-related vehicle accidents. occur on wet roads and 47 percent occur during rainfall. Nearly 5,700 people are killed and more than 544.700 people are injured in accidents on wet roads annually. Each year, more than 3,400 people were killed and more than 357 300 people are injured in accidents during rainfall ".

Edmunds provides a good update on the best practices and technical advice for driving in the rain. But if you need to know and avoid is hydroplaning or aquaplaning. According SafeMotorist.com:

The hydroplaning term is commonly used to refer skidding or sliding of a car tire on a wet surface. The hydroplaning occurs when a tire encounter more water than it can dissipate. The water pressure at the front of the wheel pushes the water under the tire and the tire is then separated from the road surface by a thin film of water and loses grip. The result is a loss of steering, braking and power control.

The rubber tires have tread (grooves) that are designed to channel water from under the tire. This creates more friction with the road surface and can help prevent or minimize the case of aquaplaning

More about hydroplaning Basics :. Why it happens and how you can avoid

This defensive driving video provides a good overview of hydroplaning, how to avoid and what to do if it happens.

It teenage driver of the National Safety Week -

October 19-25 is the pilot adolescence National Safety Week. Motor vehicle crashes are the leading cause of death among children 15 to 20 years. Teens are four times more likely to be involved in a fatal car accident than adults. Since many of these 30% of these accidents involve alcohol. Distracted driving is also a key issue. The most dangerous moment in the life of a young driver is the first 12 months of holding a separate license.

The National Highway Traffic Safety Administration (NHTSA) offers driver training tool box with a variety of fact sheets on topics that are valuable for new and experienced drivers like

• drinking and driving
• Blindzone Glare elimination
• Driver distractions
• effective control techniques
• Seat Proper Belt Use
• risk management
• visual Search / Perception
• work / construction zone

other great resources include the national security Council Teen Driving the page, teens drivers page and Ride the Insurance information Institute as a friend.

Slow down: international TV spots promoting safe driving speeds -

It is interesting to see how other countries are addressing the issue of road safety through ads in public safety (PSA). It is common for tasks to be much more dramatic or graphic in the content that we tend to run here in the US, we chose a sample of public service announcements aimed at accelerating that are spectacular, but not particularly graphic. (Alert :. They can still be upsetting)

The first PSA is an experience of the Victoria Transport Accident Commission demonstrating the difference that the slowdown by just 5 km an hour can make a impact ... this results in a little more than 3 miles per hour. How much of a difference such a small reduction in speed could possibly do? See for yourself.

The second PSA is a dramatic one for the Transportation Agency New Zealand, who said, "People should not pay for a mistake of their lives. When we drive, we share the road with others, the speed we choose to travel needs to leave room for any potential error. "

"Just Slow Down" is a mini-documentary of an ad. It is the Winnipeg Police Service. Two young guys tell their stories of surviving a speed-related crash that killed two their friends. Terribly sad because it is true.

Northern Ireland has a very stronghold that has been under a lot of protest and controversy. The controversy has caused the spot to go viral on the web. We chose not to include here, but you can read about why it is creating such a strong reaction and see the place here: people are very angry About this Out-of-Control Ad from Northern Ireland Safe Driving too real or not real enough [?

Candle with care this holiday season -

For many of us, candles are a big part of seasonal celebrations. They are sometimes used for decorations and sometimes as part of religious rituals. The beautiful candle light can do all the dinner or event seem festive, nostalgic, and special

BUT -. And there is a very big but - 12% of candle fires in the home occur in December , 1.5 times the monthly average of 8%, according to the National Association of Fire. Here are some other facts of the NFPA report on candle fires :.

• The first three days for home candle fires were Christmas, New Year's Day, and Christmas Eve

• More than half ( 56%) of home candle fires in occurred when some form of combustible material was too close to the candle. Keep candles at least 12 inches from anything that can burn.

• About a third of candle fires in the home started in the bedroom. Falling asleep was a factor in 11% percent of fires in the home candle and 37% of deaths associated. Extinguish all candles before going to sleep .

• Unattended or abandoned equipment materials or products have been contributing factors in nearly one in five (18%) of fires in the home candle. Never leave burning candle unattended. Blow out candles when you leave a room.

• Four percent were started by people (usually children) playing with the candle. Keep candles up out of the reach of children. Never leave a child unattended in a room with a candle. A child should not sleep in a room with a lit candle.

• Two percent started when the candle was hit or knocked down. Make sure that candles are placed on a stable piece of furniture in solid supports that do not spill. Place candles away from places where they could be knocked over by children or pets.

• container or improper storage was a factor in another 2% of fires. Candles should take into brackets safely and holders must be manufactured from materials that can not burn.

Check out this short video about the safety of the candle and download this spark plug NFPA Security Council to distribute to friends and family.

New England Blizzard Watch Toolkit -

We expect a severe weather event later today that will measure snow in feet, not inches. According to most reports, the snow will begin this afternoon, intensify the evening, continue all day tomorrow and fade Wednesday is the night or early. It was classified as a blizzard -. "Juno" and if you need a name to curse, this storm was dubbed

Taunton NWS Skywarn offers the latest NWS Graphics on potentially historic blizzard, noting that "Accumulation snow arrives this afternoon and the impacts of day late shuttle in RI & Eastern MA. Then snow arrives later tonight in March morning with cloudy with historical snow before the storm stands out late at night or early Wednesday March in addition to hurricane force winds are likely in Cape Cod and the islands late tonight in March morning. this will likely result in tree limbs and power outages at least scattered. "

As of this morning, more than 2,000 flights were canceled. CNN provides information on what you should know if you are traveling

We followed the evolution of our New England weather twitter feed, a compilation of breaking regional meteorologists tweets - Twitter is a great source for breaking news so if you do not have the app on your phone, you might want to think about doing the pre-storm. For a view beyond New England, meteorologist Eric Holthaus offers go-to weather list climate of hundreds of weather observers

Here are some resources to have on hand as the storm approximates :.

National Weather Service - (NWS Twitter)

State Emergency Departments - websites / Twitter feed

Connecticut - (@CTDEMHS )

Maine - (@MaineEMA)

Massachusetts - (@MassEMA)

NH - (@NH_HSEM)

Rhode Island - (@RhodeIslandEMA )

Vermont - (@vemvt)

tips

extreme cold prevention Guide - emergency tips for before, during and after a storm

winter storm - Red Cross

blackouts during cold

Preventing frozen pipes: advice of experts

winter fires (PDF)

Before and after winter storms: preparedness and filing of applications

shoveling snow and snow safety

Sharing the road with snowplows and other winter driving tips

Are you ready for snow, icy roads? Sharpen your winter driving skills

Winter Driving Tips

Holiday fun - cats, dogs, Sugar Plum Fairy and egg nog -

As the holiday season, we thought you bring some of our favorite seasonal clips . Best wishes to you and yours on holiday - and be safe - be sure not to drive if you have egg nog spiked!

Straight No Chaser - Who Spiked the Eggnog

Disaster Cat Christmas Tree

Freshpet? Holiday Feast - 13 dogs and 1 cat eating with human hands

Dance of the Sugar Plum Fairy - Pentatonix

Snowmageddon: your roof might collapse -

After the unprecedented series of snowstorms record, we hear reports roofs collapsing under the weight of snow ?. One of our insurance partners, Hanover, published the graphic persuasive on their Twitter feed compare the cost of a roof replacement vs a roof rake.

This is quite convincing, but how do you know if your home or business is at risk? The Insurance Institute for Business & Home Safety has a great infographic (below), as well as an information office on four steps to identify and address the risks of heavy snow roof - it offers advice on how identify and assess risk and how to deal with problems in safety. Well worth a read, especially as forecasters say there may be more snow in our future this week!

This had to end one day, right? When he does, keep this handy resource:
In response to flooding when the snow and ice melt

Overs TV Tip: Small children of parents take note -

Most parents go to great lengths to childproof their homes, but there is a danger that too often overlooked. According to Safe, "Every three weeks, a child dies of a TV switch. Over the last 10 years, children visited the emergency room every 45 minutes because of a TV switch."

This is an easy thing to fix once the parents are aware of the danger. Watch this short video and infographic below for more information on how to prevent this tragedy. There are also more advanced prevention information on the Safe Kids.

Some ways to celebrate St. Patrick -

The St Patrick's Day is a big event in our neck of the woods - although the parade this year will have a bit of an abbreviated route because of all the snow. Here is a guide to Where to celebrate Irish heritage in Boston and around the city - parades, pubs, concerts and more. Here are other parades of St. Patrick in New England, many Sundays. Or you can just stay home and cook a traditional dinner of the New England Boiled beef and salted cabbage. Remember one important thing: It's Paddy Patty word!

And remember, if tipping a few pints are in your plans, be sure to have a designated driver!

Here are some interesting excerpts from Discover Ireland to put you in mind.

With any luck at all, you'll fall on one of the flash mob dances from Tourism Ireland - here's a spectacular they organized in the Central station, Sidney few years ago.

National Security Window of the Week: April 5-11 -

Each year more than 3,300 children under 5 years of falling windows, suffering from injuries serious enough to send to the hospital; Unfortunately, about eight children per year die from these falls. To increase awareness of the risks, the National Security Council, window and door industry professionals and other advocates of child safety has formed the Working Group on Security Window. Each year, the Working Group sponsors National Window Safety Week.

The most obvious risk is children falling from windows that are not guaranteed. Safe has a good tip sheet for the prevention of child's fall. The screens are of no help, they can not break a fall. If the windows are open, install window guards safe for children. It is important to know how the windows in any childproof safety. Window guards children safely can help, but it is important not to install anything that would be an obstacle to escape in case of fire. Security experts warn that there is a balance between the two needs :. fire escape and preventing fall

Another danger of the window is related to window coverings. It is important to childproof of these coatings to ensure there are no ropes, chains or cords that can strangle children. Learn what to guard against in the CPSC Safety Alert: Are your Window treatments safe?

The National Security Council has excellent resources:
Window Safety Checklist
Security Awareness Window Brochure
Security Window Book Activity for Children

please share these tools with someone you know who has babies or toddlers. Awareness also needs to spread beyond parents :. Too often, accidents occur when someone who is unfamiliar with children unable to understand or to guard against the risk

Protect your children against ID theft -

Your child could have ruined their credit report and their ID stolen while sleeping and it could be years before be aware that everything is a failure. minor children are the first targets of identity theft. A story today on the states with the most identity theft complaints explains how certain segments of the population are particularly vulnerable to identity theft:

"While everyone world is vulnerable to identity theft, children and the elderly are targeted more than others, although for different reasons. According Toporoff, children are prime targets because their information is readily available such that it is stored in a school system. in addition, almost no one monitors a child's credit report. This means a child's stolen identity can often be used for years before the abuse is even detected.

older Americans are vulnerable to identity theft for a variety of reasons. they are targeted because they often have more money than young Americans. they also tend to have more contact with institutions medical, with several specialists, and several people as guardians to enter home more often. This may explain in part the identity theft rate in Florida, where nearly 19% of the population was 65 or older in 2013, the highest percentage in the nation-leading country. "

How can a child be compromised ID Unfortunately, far too many ways: It could occur from a large data breach, as the Hymn exposure millions of sensitive records ; it may be exposed from school records that are poorly protected and could be exposed to from a computer hack or stolen wallet, perhaps even worse, it could be stolen by an adult you know

How can you protect your children against identity theft? the Federal Trade Commission offers excellent advice on monitoring and protecting your children against identity theft. They offer great ways to identify warning signs that something might be wrong, ways to protect the identity of your child, and what to do if you have problems

Here are some prevention tips FTC :.

• Find a safe place for all paper and electronic documents that display personal information from your child

• not not share social security number for your child unless you know and trust the other party. Ask why it is needed and how it will be protected. Ask if you can use a different username, or use only the last four digits of Social Security number for your child.

• Shred all documents that display personal information from your child before disposal

• . Be aware of the events that put information at risk. For example, there is an adult in your household who might want to use the identity of a child again; you lose a wallet, purse or paperwork that the Social Security information of your child; there is a break in your house; or a school, office or company doctor informs you that the information your child has been affected by a security breach.

The FTC also suggests a number of steps you should take if you are a parent with a child who is enrolled in school, such as who has access to the information of your child, how the information is used and how it is shared.

there are also a number of protective services and identity fraud monitoring on the market - check with your insurance agent to see if they offer services under their insurance packages

.

Learn the signs of stroke: a quick action can save lives -

Strokes are the leading cause of disability and the # 5 cause of death in the United States All 40 seconds, someone has a stroke. One in six people will have a stroke in his life. Despite this, too few people know the warning signs of a stroke. Yet the rapid recognition of stroke signs can make a huge difference between life and death or between full recovery and permanent disability. May is the Month of American stroke. Learn the signs and symptoms of a stroke and forward -. You could save a life

Happy Father's Day! -

DADS Wishing all the feast of fabulous fathers. We thought this video tribute to dad a person was pretty impressive. The architect Vietnamese Giao Phong consists animated amazing paintings in the sand. This one is called "This Is World of My Father." It is touching and sweet.

For a slightly lighter take on things, we point to our post last year to heat and fuzzy for hilarious: video tributes to fathers. Do not miss the segment "babies and dads!"

Survey of life insurance: Most people have too little -

Do you have life insurance? If so, you are among the 57% of Americans who do, according to a recent survey of life insurance money by Bankrate Pulse. But even if you have it, you have enough coverage to meet your financial goals? The survey found that those who have coverage, most people have less than $ 100,000 -. Who would not be sufficient to support a young family or a survivor

"Especially vulnerable are families with children under 18. more than 1 to 3 of these parents (37%) have no life insurance at all, while a third of those who have no more than $ 100,000 in coverage (32%). "

" The $ 25,000 to $ 100,000 policies than you usually see in the collective employer plans can cover your funeral expenses, but they are not going to pay off a mortgage or put a child to college " said Bridgeland. "It is disturbing for me to see that half of the policyholders have coverage levels."

Insurance Information Institute has released a good overview of the life insurance databases in a short video - check it out

Children go to college? Double check the first insurance cover -

If you have a child headed to college, it's time to check your insurance policies current and have a conversation with your insurance agent to ensure your student has adequate protection.

The owners / renters insurance
If your student will be living in a dorm, their property may be covered by your home insurance for hazards such as fire, theft, vandalism and natural disasters such as a hurricane. But your coverage may have limitations - the Insurance Information Institute (III) says:

"Other policies may limit the amount of coverage for personal belongings of a college student 10 percent of the total amount of a policy of all the personal property coverage. so if the parents of the personal property insurance for the principal residence of the family value of $ 100,000, for example, only 10 $ 000 would apply to property in the dorm room of their child. "

If your student has a costly electronic equipment, many students, you should check the limits to ensure a adequate coverage. laptops, smartphones, tablets and TVs can add! Also, talk over cost / benefit scenarios related to franchise your agent. You want high enough to maintain reasonable insurance rates, but not so high that it will cause difficulties to replace a stolen laptop.

Not in a dorm? If students live in an apartment, your homeowners probably will not cover them. renters insurance is inexpensive and can be the best bet. See our recent post that covers the myths and misconceptions about renters insurance.

Auto insurance
If your student is under 25 years and the college is within 100 miles of your home, he or she can be covered by your police. If more than 100 miles away, the student may still be covered on your policy if they only drive while visiting your home. If your student will be conducted during college breaks, talk to your agent to see if it could help lower rates - you might be able to get a discount.

If your student will be 100+ miles with a car, a separate policy may be necessary. Talk to your agent to determine the best option for your situation. III suggests checking if your student is eligible for a discount of "good student" or if the training programs of safe drivers could cut rates.

Tuition Insurance
Check that the college's refund policy. If the tuition fee is very high, you want to maybe talk to your agent about a tuition refund of specialty insurance coverage that it if the student has to leave school because of an unexpected illness or physical disability - or in the case of the death of the student. Generally, these plans do not provide reimbursement for students who are expelled or who decide to leave school for other reasons.

identity theft insurance
The students are at high risk of identity theft. You may want to educate them on security issues and it might be worth investing in a product to protect against identity theft.

autonomous coverage for electronics

III suggests this option: "Parents may want to consider the acquisition of autonomous policies for desktops, computers laptops, tablets and iPads and other electronic devices as they may provide coverage against accidental damage, liquid spills and other not included in a standard homeowners policy or renters events. Keep in mind that if you use a credit card to buy these items, some insurance protection may also be available through the card itself. "

? Does the home insurance cover flood -

We have said many times before and we will definitely say again: the typical homeowners insurance does not cover flood damage. This is one of the largest consumer misconceptions we hear - a painful and expensive lesson to learn from experience. You need an insurance policy against flooding separate cover - and your policy should be in place for at least 30 days to be effective, so a last minute purchase when you hear about the potential of flooding would be too later. September is National Preparedness Month, and in this first week, the focus is on flood prep -. So it is a good reminder

Now if you have water in the basement of a burst pipe or other failure of households, your insurance may cover your basement damage flooded. But for the related storm, flood damage, you would need coverage against flooding. Here is a list of what is generally covered in an insurance policy against flooding.

Even if you think your flood risk is negligible, floods and flash floods occur in all 50 states. Here are some interesting facts flood floodsmart.gov you may not know:

• Over the last 5 years, 50 states have experienced flooding or flash flooding; Flash floods often bring water walls 10 to 15 feet high.
• People outside floodplains high risk mapped file by more than 20 percent of all flood insurance claims National Flood Insurance Program and receive a third of federal disaster assistance for flooding.
• Your house has a chance of being damaged by a flood during a 30-year mortgage, compared to a fire hazard from 9% to 26%.
• a car can easily be carried away by just two feet flood.
• from 2010 to 2014, the average flood claim was nearly $ 42,000.

learn more about flood risk and get the cost of coverage provided. If you are not covered by the flood, it's time to talk things over with your independent insurance agent

Here are some other flooding tools :.

• Do not drive through floods
• central deluge: tips and tools to heavy rains and floods
• Flood damaged fraud prevention vehicle
• consumer warning: do not buy a car damaged by floods

Curb this road rage! -

Last week another person was killed in a rage incident while driving in New Mexico, shot in cold blood. This sad event is remarkable especially because the victim was a sweet, innocent child of four years. According safemotorist.com statistics, at least 218 people were killed in road rage incidents over the past seven years; another 12,000 more were injured. Two thirds of road accidents are caused by aggressive driving

Aggression is often offset by the attack, which causes escalating tensions. Half of the drivers who are at the receiving end of aggressive behavior, such as honking, rude gestures, or tailgating admit respond with aggressive behavior. Think twice the next time you are tempted to take revenge or to degenerate because 37% of aggressive driving incidents involving a firearm .

Jayleen R. heft of PropertyCasualty360.com talks about these and other statistics in his article, the drivers Scary! What you need to know about road rage. In the article, she made a distinction between aggressive driving and road rage - although often blurred the lines:

"Although the definition of road rage is complex and varies jurisdiction, in general, the difference between aggressive driving and road rage is that aggressive driving is a traffic offense while road rage is a criminal offense. at present, the Administration of the security national road Administration (NHTSA) defines aggressive driving as occurring when "an individual commits a combination of moving traffic offenses to endanger other persons or property."

Moreover, road rage is generally defined as "assault with a motor vehicle or other dangerous weapon by the operator of a vehicle or passenger (s) to another person, when assault was precipitated by an incident that occurred on a roadway. Road rage requires a willful disregard and deliberate the safety of others. "

If you have a rage incident driving on your file, it is "a serious red flag" that, at a minimum, cause higher insurance rates. Not only it will be harder and more expensive to get coverage if you have accidents that result from your road rage, you may have difficulty all claims associated because rage is often listed as an exclusion in the many auto policies.

Article Heft offers a laundry list of driving behaviors that would be considered aggressive, such as tailgating, making hand gestures to other drivers, using the paths or shoulders to pass emergency and the unnecessary use of high beams.

protect against rabies incidents at the wheel

Driving experts say that in addition to safe driving and courteous, it is very important not to escalate an situation or retaliate in any way. You have no idea who the other driver is, they have a weapon, and to what extent they will take a position. You can not control them or their behavior - but you can control your own character and your own behavior. For some, it may take practice. Heft's article offers some great tips to help you avoid the rage of meetings and driving. We reprint an abridged version here:

• Do not assume other drivers are bad. Sometimes people make mistakes, or they could be driving more slowly for a reason.
• Do not honking insistently. It is really annoying and increases the stress level of everyone.
• If someone hounded, not to aggravate you and the other driver playing cat and mouse with your speed. Move off the road and let the other driver pass you.
• Crank some tunes, not the engine. Try to listen to music because it can help you stay calm.
• Leave a space to shoot around the car in front of you. Leaving a margin for maneuver can reduce vulnerability if the driver in front of you becomes aggressive.
• Try not to run late. When you are in a hurry, your patience is short, and you are much more likely to become serious.
• Avoid cutting off other drivers in traffic.
• Signal several hundred feet before changing lanes or making a turn.
• Avoid making gestures or eye contact with another driver.
• Be courteous in the use of high beam.
• Obey speed limits.
• Drive in the right or the middle path; pass on the left
• Stop at stop signs and red lights. do not run yellow lights.
• Do not block intersections.
• to report any incident of aggressive driving to the police immediately.

Edmunds.com also offers Top 10 tips to prevent Rage Road. Here are some that we found especially noteworthy:

Your car is not therapist. Many of us love and identify with our cars (part why Edmunds.com launched CarSpace), but sometimes you can take the "car as an extension of self" idea too seriously. If your boss or your spouse you left steam, take care not to use the line as a way to vent. competitive type (you know who you are) should not try to prove himself on the busy road - save that enthusiasm to break the weekend on your favorite roads. No matter how much power you have under the hood, the vehicle is first and foremost a mode of transport, not a weapon.

Practice kindness. Dr. Leon James, aka "Dr. Driving" and author of Road Rage and Aggressive Driving, said that memory Simple courtesies, like allowing someone to merge or to apologize when we make a mistake, can go a long way to experience positive behavior for ourselves and others. Its base currency is the old "do unto others" rule: Treat other drivers how you want to be treated as additional incentive, reducing your road rage as you can avoid serious trouble. Several states have created special teams of law enforcement to search for and cite aggressive drivers. depending on the frequency of offenses, offenders can be fined, lose their license temporarily or even face imprisonment. . Often, they are required to take a behavior modification class as well

the AAA Foundation for traffic safety also offers good advice: Road Rage: How to avoid aggressive driving (pdf) a. trick we think bear repeating:

Adjust your attitude - - the most important actions you can take to avoid aggressive driving taking place inside your head. By changing your approach to driving, you can make each trip more enjoyable. Try these ideas for a nice change:

Forget win . For too many motorists, driving becomes a contest. Do not let the shortest time possible for a trip, then the clock running? If something happens to slow you down
down not you angry? Solution: Allow more time for your journey. You will be amazed at how much more relaxed you feel when you have a few extra minutes. So instead of trying to "make good time," try to "do a good time." Listen to soothing music or a book on tape. Practice relaxation techniques such as deep breathing. You will get much more calm, cooler, and less stressed in a frame of mind.
Put yourself in the shoes of the other driver . instead of judging the other driver, try to imagine why he or she is driving that way. Someone speeds and constantly change lanes can be a volunteer firefighter or doctor rushing to the hospital. Someone who jerks from one track to another can have a bee in the car or a crying baby. Whatever their reason, it has nothing to do with you. Stay cool and do not take the actions of other drivers personally.

Do not wait: contact - National Preparedness Month -

September is National Preparedness Month and this year the theme is to ensure that you have an emergency plan up - waiting until a disaster happens is too late. Could your household spend 10 minutes Challenge? And in a disaster, you might not even 10 minutes to plan

Here are some things you should do in advance:

• Learn about community resources and emergency services and keep on your smartphone
• Have a plan with your family about what to do and where to meet if a disaster strikes
• Build an emergency kit and a car kit
• Store copies of all emergency documents in another secure location in case you can not access your home or office
• you have plans emergency for your pets.

September 30th is the National Day Prepareathon - this website provides information on how to prepare for an earthquake, flood, tornado, winter storm, wildfire or hurricane. Find tips for creating an emergency plan and a family communications plan and have access to tools and resources to help plan

Here are some helpful resources that we have written in the past.

How to build a survival kit

Apps that could help save your life in an emergency

Best and worst Thanksgiving time driving -

If you drive to visit friends or family for Thanksgiving, enjoy prices remarkably low gas. Friends gas reports that the national average per gallon is $ 2,139, with 0.73 of lower average last year of $ 2,876! And last year, we thought it was cheap! Here is a map so you can see the gas state by state tariffs.

It is a good idea to plan your best routes and times now. You can get advice on the best and worst moments for Thanksgiving road travel via Waze, a community mobile application that tracks traffic patterns around the world. Waze analyzed data from 2014 to make predictions for the best and worst times for traffic this Thanksgiving.

First, the best time to drive here and there is Thanksgiving Day itself.

They predict some of the "worst day" for pre-holiday

• Tuesday, November 24, from 13 hours, peaking 4:00 p.m. to 8:00 p.m.
• Wednesday, November 25, from 11 am and lasting through the day

... and the worst post-holiday days

• Sunday, November 29 - rush hour will last all day
• Monday, Monday, November 30 - expect a heavier rush hour from 10 am through twelve o'clock

Google Maps has also a breakdown by the day of the expected traffic. They suggest that Tuesday is slightly better day to travel on Wednesday to get there - but only one local place that could be an exception in Boston, where Tuesday historically tend to be worse. To travel to the house, they suggest that Sunday is a better day to travel home on Saturdays, which can be 40% worse. We extracted some visual guidance from their 2014 blog, check below.

If you plan to be on the road, Consumer Reports offers a good Thanksgiving planning and driving safety tips - check

Scam-apalooza! Do not let fraud ruin your vacation -

The CT insurance commissioner warns assured of a recent scam phone insurance. People are calls that their insurance is canceled and they need to make a payment by credit card to restore their policy. The Commissioner said: Never give your credit card information to an unsolicited caller

Good advice - especially during the holidays .. The scams are abundant in the holiday season so keep your radar set on high. We have heard of shipping fake notifications, pyramid schemes, gift card scams, fake charities and plain old theft package. Do not let scammers ruin your holiday - learn about fraud systems the most common holiday

General Alerts

• BBB Warning :. Avoid these holiday scams
• 7 scams locations and how to protect yourself
• "Tis the season for scams
• holiday scams: 12 Christmas consternation
• 13 Tips to prevent identity theft during the holidays

gift card scams

• Look Out for Con Gift card Payment
• FBI scams Gift card

theft package

• How to avoid package holiday flight home

delivery scams

• delivery Scam steals customer information with Crafty Con

Charity scams

• Charity scams Take our holiday cheer - Here Here are some warning signs
• Report finds telemarketers pocket most of the money they solicit charities
• 5 tips for charitable giving that count, not Con
• Tips from the IRS for the year -End Donations to Charity

Santa scams

• How Scammers Turned a letter from Santa in a Con
• not Let scams Santa letter Turn You into a Grinch!

Holiday pyramid

• Facebook Gift Exchange is a pyramid scheme
[1945007Vraiment] The "Secret Sister" Gift Exchange on Facebook is very illegal and also a Hoax

employment holiday scams

• Make some extra cash this holiday season? Look Out for this Con

shopping and vacation General Security

• First Safety Holiday Safety Tips for Last Shoppers Minute
• Post -Thanksgiving extravagant shopping - some safety tips

Préparation aux catastrophes [1945001 - ] Avec le débarquement prévu de Gustav, nous sommes épais dans la saison des ouragans, qui se poursuit à travers Novembre 30. Les propriétaires de l'ouragan ceinture ici aux États-Unis sont en train de préparer pour ce devrait être un actif Septembre et Octobre. les organisations de secours en cas de catastrophe tels que la Croix-Rouge offre ouragan conseils de préparation, avec des informations sur un plan d'évacuation personnel, y compris les fournitures qui devraient faire partie de votre trousse d'urgence.
Quelques étapes préparatoires peuvent aussi faire le dépôt des demandes d'assurance après la tempête un plus facile processus. L'Association nationale des commissaires d'assurance (NAIC) offre une section spéciale de la préparation aux catastrophes de leur site web, avec une seule page feuille de conseils sur la tempête de préparation: un processus en quatre étapes. Parmi leurs recommandations:

• Vérifiez votre couverture d'assurance à l'avance pour comprendre ce que votre assurance couvre la politique et ce qu'elle exclut
• Faites l'inventaire de vos biens - photos ou vidéos peuvent être utiles. . Ils suggèrent de stocker des photos sur le Web ou avec un parent.
• Déplacez tous vos documents importants dans un endroit sûr. Prenez-les avec vous si vous évacuez. Assurez-vous d'inclure le nom de vos compagnies d'assurance et de l'agent, les numéros de police et les informations de contact.

Et si votre maison ou propriété subissent des dommages, le guide de la NAIC à ce que les consommateurs devraient savoir face à une perte peut aussi être très utile.

Shopping cette semaine? Soyez prudent sur Black Friday [1945001 - ]
Si vous envisagez de frapper les magasins ou les sites pour faire du shopping ce week-end de Thanksgiving, vous devez donner quelques minutes à penser à votre sécurité avant que vous faites. Les gens peuvent obtenir loufoque sur une baragain, en particulier en ces temps économiques difficiles. De plus, les voleurs aiment les foules - c'est un moment idéal pour arracher sacs à main ou porte-monnaie, ou le vol d'informations sensibles qui peuvent conduire à des détournements d'identité. spécialistes de la prévention de la criminalité suggèrent que vous besoin d'un plan de sécurité personnelle pour Black Friday
Voici un peu plus de choses à surveiller et des conseils pour rester en sécurité:
piétinements de foule, des foules, des incidents de rage
Sac à main et porte-monnaie snatchings
empêcher le vol d'identité et la fraude - en ligne et off
10 conseils pour prévenir le vol d'identité lors de l'achat en ligne
Si vous devriez avoir un vol ou d'un accident, le signaler à la police, et assurez-vous d'appeler votre assureur ou votre agent d'assurance local indépendant pour déposer une demande.

Questions d'argent: 48 erreurs, 7 Questionnaires et 5 Outils d'apprentissage cool [1945001 - ] Avril est le mois de la littératie financière. Comment savvy êtes-vous de l'argent? Cet article amusant vous permettra de tracer votre âge en fonction de vos habitudes d'épargne. Pour commémorer le mois, nous avons mis en place un bien-être boîte à outils financière pour vous d'apprendre des erreurs d'argent communes, pour tester vos propres connaissances financières et de trouver de bonnes ressources d'apprentissage pour améliorer vos connaissances.

erreurs d'argent commune

• Top 7 erreurs financières les plus courantes
• 10 erreurs critiques de retraite-Saving
• 20 Économies erreurs les gens font
• 4 College épargne Erreurs Même les parents Savvy Faire
• 7 erreurs des investisseurs ordinaires
• Les erreurs d'argent les plus courantes que les gens font à tous les âges

Testez votre argent Savvy

• A trois question test de littératie financière
• Quiz littératie financière
• Student Dollars & Sense Financial - Quiz littératie financière
• Testez votre situation financière l'alphabétisation sur le crédit, le revenu, la gestion de l'argent, l'épargne et les dépenses
• Pensez vous êtes avertis de l'argent? Répondez à ce questionnaire
• Take This Quiz rapide littératie financière et comparez-vous à
• Quiz: épargne et d'investissement pour millennials

Ressources pour apprendre à gérer Money

360 jours de la littératie financière
Un programme gratuit par les comptables publics certifiés de la nation pour aider les Américains à comprendre leurs finances personnelles à travers toutes les étapes de la vie. Découvrez les calculatrices financières plus de 30.

InsureU
des informations d'assurance impartiale pour les consommateurs parrainés par l'Association nationale des commissaires d'assurance (NAIC). L'information est organisée par étape de la vie et les lignes de couverture:. L'assurance automobile, l'assurance habitation, l'assurance maladie et l'assurance-vie

MyMoney.gov
Tirer le meilleur parti de votre argent commence avec cinq blocs de construction pour la gestion et la croissance ton argent. MyMoney.Gov offre des outils et des informations sur les cinq domaines clés de la gestion de l'argent: gains; Enregistrement & investissement; Protéger; Dépenses; et emprunts.

Jump $ Coalition tarte pour l'éducation financière personnelle
sans but lucratif national d'environ 150 organisations et entités nationales du sans but lucratif des entreprises, universitaires, gouvernementaux et d'autres secteurs qui partagent un intérêt dans la promotion de la littératie financière chez les élèves de la pré-maternelle à l'université.

30 Steps to Wellness financière
Un chemin 30 étapes vous aidera à atteindre le bien-être financier.

Post-Thanksgiving commerciaux - extravagances quelques conseils de sécurité [1945001 - ]

Il était une fois, nous avons tous célébré Thanksgiving, regardé quelques matchs de football et avait une tranquillement week-end post-vacances. Maintenant, il est une extravagance shop-til-you-drop qui se prolonge sur 5 ou 6 jours - beurk! Nous vous proposons un aperçu avec quelques conseils de sécurité des consommateurs

Black Friday -. Le lendemain de Thanksgiving est soit le paradis du shopping ou un cauchemar de détail total, en fonction de vos achats appétit concurrentiel. Et vérifier vos magasins - Black Friday peut commencer le jour de Thanksgiving lui-même à certains des plus grands magasins de boîte de la nation. (Certains opposants appellent cela «Gris jeudi)

• Consumer Reports offre le Top 10 Black Friday shopping Conseils
• BBB Astuce:." Shop Sure "When Navigating Black Friday Sales
• Comment prévenir efficacement la plupart Purse Snatching, Pickpocket et autres vols personnels

Small Business samedi - Go local! - Small Business samedi encourage les acheteurs de vacances pour soutenir les entreprises locales "monde réel" - les petites boutiques locales, des magasins et des entreprises dans votre quartier ou ville

• BBB Astuce:. "Shop Small" sur les petites entreprises samedi

Cyber ​​Monday - Shop et obtenir de bonnes affaires en ligne! Mais ne laissez pas votre garde dans la recherche de bonnes affaires - les cyber-criminels seront en pleine force

• BBB Astuce: "Shop Savvy" sur Cyber ​​lundi et chaque jour
[

donner mardi - #GivingTuesday est une journée mondiale dédiée à redonner. Le mardi 1er Décembre, 2015, les organismes de bienfaisance, les familles, les entreprises, les centres communautaires et les étudiants du monde entier vont se réunir dans un seul but commun:. Pour célébrer la générosité et de donner

• BBB Astuce: Cinq Conseils pour Wise Giving sur #GivingTuesday

Voici quelques «monde réel» Conseils d'achat

• Garder les emballages sur place dans votre voiture. Enfermez-les dans votre coffre et de garder les portières verrouillées
• Soyez conscient de votre sac à main et porte-monnaie en tout temps - pickpockets amour foules. Si vous le pouvez, évitez un sac à main ou porte-monnaie entièrement et magasin de téléphone, espèces, cartes de crédit et les ID dans une poche intérieure sécurisée.
• Carry seulement l'argent et des cartes de crédit dont vous avez besoin. Ne pas flash cash.
• Soyez conscient de votre environnement. Les voleurs et les escrocs se spécialisent dans les techniques de distraction
• Ne vous surchargez pas avec des paquets et altèrent votre conscience, de la mobilité ou de la vision -.. Prendre certains à la voiture
• Rappelez-vous où vous avez garé votre voiture . Ayez vos clés en main et d'être vigilant pour les étrangers quand vous approchez.
• Magasinez avec un ami ou un membre de la famille, en particulier la nuit. Il y a dans les nombres

Voici un coffre-fort quelques conseils d'achat en ligne:.

• Mettez à jour votre sécurité Web, des programmes de détection de logiciels malveillants anti-virus et snf être sûr que votre pare-feu est activé.
• Méfiez-vous des e-mail de phishing offres, les mails usurpés look authentique. Ne cliquez pas sur le lien, tapez le site
• Achat uniquement dans un environnement sécurisé -. Vérifier «https» dans l'adresse dans votre navigateur Web - le «s» signifie «sécurisé» - ne jamais conduire une transaction sans elle.
• public Wi-Fi est pas sécurisé afin d'éviter de faire des transactions bancaires et qui exposerait vos cartes de crédit, mots de passe ou des informations personnelles.
• Mettez à jour vos mots de passe avant le shopping. Créer des mots de passe uniques pour chaque site -. Voici quelques conseils pour la création de mots de passe sécurisés
• Si cela semble trop beau pour être vrai, il est probablement. Méfiez-vous des offres «gratuites» cadeaux et concours de sites inconnus. Ne donnez pas de renseignements personnels ou les numéros de carte de crédit à quelqu'un que vous ne connaissez pas.

Outils pour les conducteurs âgés [1945001 - ]
Si vous avez un ancien pilote de votre ménage - ou si vous êtes un ancien pilote vous-même - vous pouvez, se demander ce que votre loi de l'état est sur le moment et si vous avez besoin d'être testé. Certains États ont pas requirments spéciaux fondés sur l'âge. Certains exigent des conducteurs âgés de renouveler en personne. Beaucoup exigent des tests de vision ou la preuve d'un optométriste cette vision a été testée.
Peu, le cas échéant, les États exigent des essais sur route pour les conducteurs vieillissants. Plusieurs Etats se sont penchés sur des lois pour imposer des tests manadatory après un certain âge (souvent 75 ans), mais ceux-ci ont généralement été vaincus, soit parce qu'il n'y avait pas suffisamment de preuves qu'ils réduiraient les collisions, ou parce qu'ils étaient considérés comme discrimantory. Cependant, la plupart des Etats acceptent des rapports des conducteurs potentiellement dangereux de la police, de la famille ou d'autres observateurs et peuvent nécessiter des tests basés sur ces rapports. Certains États permettent également des tests pour être tenus au moment du renouvellement en fonction des observations de dépréciation potentielle par registre des employés de véhicules automobiles. des tests sélectifs basés sur les rapports ou les observations ne sont pas nécessairement limitées par âge! Certains États de retirer les licences basées sur tous les problèmes qui se présentent, tandis que d'autres imposent des restrictions, telles que la conduite que dans les heures du jour
Il n'y a pas état de cohérence à l'état -. Voici un État à portée de main par l'Etat Regardez les règles de conduite pour les conducteurs âgés.
les conducteurs vieillissants doivent être conscients qu'il ya beaucoup de nouveaux outils de sécurité qui peuvent aider à réduire les risques généralement associés au vieillissement, comme la vision diminuée. Voir le Top 10 des voitures Technologies pour les conducteurs d'âge mûr, ainsi que 10 Conseils de sécurité Vision pour les conducteurs âgés
Il serait idéal si tout le monde pouvait auto-évaluer et de prendre la décision de limiter ou d'arrêter la conduite car ils se sentent capacités diminuent -. Certains peopel ne font en effet que. Mais parce que l'abandon d'une voiture est donc liée à l'indépendance, beaucoup sont réticents à renoncer à la conduite. Et certains peuvent perdre l'objectivité - ils peuvent "sentir" comme ils sont toujours au volant en toute sécurité. Il nécessite souvent l'intercession d'un membre de la famille ou un ami attentionné. Voir notre précédent message sur Aider les conducteurs âgés à prendre une décision difficile:. Raccrocher les touches