Health Insurance Enrollment Process

will never wonder how Halloween started? This interesting video guide gives you a historical look at how the festival has evolved. It is a fun overview of the series Brand Evolution of fastcompany

Pop Quiz.? What is the scariest place to be on Halloween

If this is not enough scary, please note that the Association of P & C insurers of America says Halloween raises more requests vandalism than any other day of the year, "the average cost per claim was $ 1,660 on Halloween, representing about 9 percent more than the annual average daily cost per claim" vandalism is not the only danger season. - Here infusion liability issues for owners of witches

Here is an overview of some useful links to help ensure you have a fun and safe weekend:

• perils Halloween. for pets ... and people, as
• not be too scary, but how your body is
• pumpkins and peril :? preparing for a fun and safe Halloween
• Pumpkin Carving security
• do not let Halloween turn into a nightmare on your street
• 7 tips to keep your pets safely Halloween
• Halloween Clean-Up Guide

Oh! And do not forget to get your zombie insurance!

From a Russian campaign selfie security

Overall, more people died in selfie- taking incidents this year than have been killed by sharks. No, unfortunately it is not a joke. So far this year, here are the results: Selfies, 12. Sharks 8. grenades, prosecution bulls and clifftops: people are dying to take selfies

There is even a Wikipedia page following deaths related to the selfie. and serious injury. Some deaths are the result of daredevils trying to get exactly the right sequence adventure. Other deaths are the result of the selfie taker being absorbed in taking pictures they become oblivious to the dangers around.

And this says nothing of scores or injuries and near misses that have occurred while trying to get the ultimate selfie. No matter how strong you think your selfie game is, you probably can not exceed a bear. A phenomenon that causes mad park rangers is the number of people who get way too close to wild animals so they can hang a picture with a bear, buffalo or moose on their shoulder. So many people are doing that at least one park in Colorado closed to visitors to protect both bears and people taking the selfie. The rangers say is close to a bear, bison or wild animal is very risky - and turn your back on them is an invitation to attack.

In Russia, where there were more than 100 injuries selfie, the Interior Ministry has launched a Safe selfie campaign with a motto: "Even a million 'likes' on social media is not not worth your life and well -being. "Our post graph shows the situations of the poster Public Security suggests that the makers selfie avoid

The dangers of taking selfie were exacerbated with the popularity of selfie sticks. - Leading a number growing tourist and public places banning selfie sticks to for reasons of liability insurance.

Pizza Hut got in on the dangers of selfie stick with fake public service announcement quite humorous. It funny because it's true.

Many people say Christmas is for children, but the truth is that he went to the dogs ... and the cats. Come the holidays, YouTube is flooded with funny cute animal videos ,. Here are our views on the choice of the litter 2015 - .. With a few classics thrown in

The first is an ad, but it is cute and well done

Then we have YouTube animals singing songs

in a slightly different vein, we see how wildlife celebrate holidays

However you celebrate the holidays, have fun, but stay safe!

Regarding identity theft, you really can not afford to relax - the criminals that are out of you certainly aren 't release: in 2014, there was a new victim of identity fraud every two seconds. In the same year, $ 16 billion has been stolen 12.7 million American consumers. (See III on the scope of identity theft).

Between January and April, imitators IRS and tax evaders are in full force. The scams often occur through aggressive phone calls, email phishing and spam websites online fake, or even via social media. Some of the sites of common scam to watch out for:

• get a bigger return and get faster ... just click here and sign
• You must update your online folder .. give your social security number
• This is the IRS. You need a lot of money in back taxes - pay now or we
• you need a small amount of taxes or fees, here's a quick way to pay online so that you do not have your refund [stop
• please make a tax-free gift to <> charity or <> political fund

Two types of fraud are particularly common IRS Impersonators -. usually telephone threats - and tax preparer fraud. You can read about the most common types of tax evasion from the IRS Dirty Dozen last year.

Consumer Reports shares some great ideas to outwit fraudsters. We like this:

The thieves usually claim tax refunds by filing taxes before their victims are. So another way to protect yourself is to file before the deadline of tax, which is Monday, April 18 of this year (April 19 in Maine and Massachusetts).

Here are some other tips to avoid becoming a victim of ID Theft:

• do not trust the number that appears on your caller ID or the electronic identification. These can be falsified. Do not click any link or provide any information. Instead, go directly to the site or call the organization yourself to make payments or donations.
• Do not give out credit cards, birth dates, social security numbers or other sensitive information to callers you do not know. Never send this information by email, which is precarious.
• Create secure passwords. Use different passwords for all accounts involving sensitive information or payments. This may sound complicated, but this minor inconvenience pales in comparison to the problems you will have if someone steals your ID.
• Review your credit card and bank statements regularly. Check free credit reports every year with this website allowed.
• Avoid conducting financial transactions over insecure public WiFi networks.
• Make sure your browser is up to date and the applied security patches.
• Keep an eye on the parents or older friends - elderly people are often specifically targeted for fraud

You may have seen the viral video - a man with a cash in a store in Kentucky when suddenly his pants caught fire. He runs to the shop door, takes off his pants and a good Samaritan comes to the rescue. He was hospitalized, but should be OK. But yikes, what happened

The man - Josh Hamilton - reported that e-cigarette in his pocket was the cause of the fire - he associated with lithium battery that came in contact with the change in his pocket

An NBC news report -. What causes some E-Cigarette Batteries to Explode? - Says that there could be many reasons ranging from lack of industry standards to misuse by users. Because they are not regulated, no one is tracking injuries, but Josh Hamilton is not alone -. They have been other reports of explosions and severe burns to the mouth, face and hands

Many associate the risk of lithium-ion batteries:

Batteries lithium-ion sprays used to power e-cigs are small and powerful. When they fail, the results can be disastrous. We saw that with cell phones, laptops and more recently hoverboards.

In another recent article, The New York Times talks about the risks and other Hoverboards Lithium-Ion Gadgets, noting that problems can apparently occur without warning.

"The problem of hoverboards explosion is pretty serious as hoverboards were banned from university campuses, airlines and subways and buses in New York. The Consumer Product Safety Commission issued a stern letter this month warning that the two-wheeled vehicles "unreasonably dangerous fire hazard to consumers." and fire Marshals have issued warnings and advice to minimize the risk. "

lithium-ion are they safe?

cheap batteries made or cheap charger devices that may be the root of many problems, but the battery safety is a rather important issue that regulators are taking note. the claims Journal reports that e-cigarettes were recently banned accompanied baggage.

"Pipeline Department and hazardous materials safety Administration (PHMSA) previously addressed security issues relating to the transportation of electronic cigarettes. In October 2015, the agency issued an interim final rule to prohibit passengers and crew members to carry portable battery-powered devices electronic smoking in checked baggage and passengers of the prohibition and members crew of charge devices and / or batteries on board the aircraft.

"We know from recent incidents that e-cigarettes in checked baggage can catch fire during transportation," said Transportation Secretary Anthony Foxx. "The flight fire hazards are particularly dangerous . Ban electronic cigarettes checked baggage is a measure of prudent security. "

Passengers may continue to carry electronic cigarettes in hand baggage or on their person, but can not use them on flights."

a related story, panel of UN prohibitions freight aircraft batteries lithium-ion

lithium-ion batteries are commonly used in rechargeable products consumption such as cell phones and laptops. The batteries can still be transported in cargo planes, but from 1 April, they will be banned from commercial aircraft. The International Civil Aviation Organization (ICAO) said the ban will be in place until a new standard of proof wrapping Fire is designed to transport the batteries, which are not expected until 2018. the ban is mandatory for Member States of ICAO, which include 191 countries worldwide.

Batteries are something we use every day, but we do not often think about the dangers and safety precautions. Obviously, this should change: See our post on another battery type: The little-known fire Batteries 9 volt

We are not chemists or experts Safety products, but we gathered some people of lithium ion battery advice of the security which are:

• Buy batteries and chargers vendors and renowned producers lithium ion - it is not a place to cut corners
• do not keep charging the batteries without supervision
• Check the expiration date and discard batteries that have expired
• Store batteries carefully
  -Do not allow them to come into contact with metal objects such as coins, keys, tools or jewelry
  -Do not expose to extreme temperatures, direct heat or light sun
  -If you suspect a battery may have been damaged, replace

This year marks the 0th Boston Marathon and the forecast is sunny and warm. If you wish to participate, we gathered links and tools to help you prepare ... or if you're an armchair observer, we have links to mobile devices, social media sites and online. Remember. Marathon Monday coincides with Patriots' Day, a legal holiday in Massachusetts -. One of only two states to commemorate the day as a holiday

Boston Marathon Event Information

Get a road map or download a mobile application to track runners

Policies for 2016 Boston Marathon spectators (PDF)

Mile-by-Mile Guide to the Boston Marathon

Your Guide 2016 Boston Marathon route, the start times and more

Transport in the Greater Boston Marathon Monday region

Follow on social media: Boston Marathon Twitter and Boston Marathon Facebook

Watch online: Official online streaming site

Guidelines Spectator - do not bring (click on the link to enlarge)

security: If you see something, say something

Do you plan to live to be 100? There are about 250,000 centenarians alive today, including several hundred "supercentarians" older than 110 years. You can get a good idea of ​​your chances to join their ranks with the Living to 100 Life Expectancy Calculator. This calculator asks you 40 quick questions related to your health history and family, and takes about 10 minutes. It uses medical and scientific data to estimate how old you are living being. In addition to estimating your life expectancy, it offers a "to do" list for you and your doctor with a list of things you can do differently and how many years you will probably add to your life if you do .
This calculator was developed by Dr. Thomas Perls is founder and director of the New England Centenarian Study, the largest study of its kind in the world. We like it because it makes you think about lifestyle factors that can affect your chances. But for those of you who want a shortcut, you can get an estimate of your remaining years based on the table of life expectancy published by the Office of the Actuary Administration of Social Security.
Interestingly, according to the life of the CIA World Factbook expectancy league table different countries here in the United States, we rank at No. 50 to 78 years and 11 months. Macau leading the table with a life expectancy of 84.36 years. Meet some of the older people of the earth on this site, or see the pictures and read the stories of individuals whose lives span three centuries.
Moreover, if you plan to live to 100, make sure your retirement planning takes this into account - life expectancy is a major factor in your financial planning - talk to your insurance agent if you expect to join the ranks of centenarians