Health Insurance Enrollment Process

Happy Halloween, folks! Looking for a last minute outfit idea? Check out thesis 9 insurance-related Halloween costumes. While Those might be fine for adults, we hope you can be a little more imaginative with your kids
We're recycling Some Halloween safety advice from one of our prior posts.
Any injuries That Occur on your property can be regarded your liability - whether it's a little Cinderella Who trips on her gown or a vandal Who breaks His leg while egging your house. If party-goers drink too much alcohol while at your house, you May be Held Any bindable for injuries That Occur When They drive home. And if your teen's Halloween "pranks" result in any property damage, you might-have parental liability for the cost of damage That, DEPENDING ON your state law. Other Risks May you encounter include vandalism to your home or your car and home fires triggered by candles and decorations or overloaded electrical outlets
Keeping kids safe.

• Equip kids with flashlights. Add day-glo illuminating gold trim on Their costumes.
  Make Sour suits are fire-safe and flame-resistant.
• Ensure suits do not odd vision or present a tripping hazard.
• Masks can limit visibility - colorful face paints are a cute, creative, and safer alternative
• Make sour kids are dressed warmly enough and-have comfortable, non-slip footwear
• Costume accessories and.. props shoulds be short, pliable and soft - no hard, long, pointy, sharp objects or
• Inspect all candy before kids eat it. . Be alert for choking hazards and watch for anything loose or unwrapped That Is
• Do not let kids walk while eating candy on a stick - very dangerous If They trip
• Do not let. kids eat homemade treats UNLESS They Were made by someone you know very well
• Stick to familiar Neighborhoods and familiar houses
• Kids shoulds not enter homes Any UNLESS They Know the neighbors well
• Kids without shoulds keep adults in groups
• Walk on sidewalks.
• Complete one side of the street, cross Carefully, and Complete the other side.
• Use cross walks and crossing lights whenever will be.
• Drive with great caution over the weekend , PARTICULARLY after dark - excited little goblins May dart out from anywhere

Other safety matters

• When decorating, avoid candles. - use LED lights and battery-powered lights INSTEAD .
• Take care not to overload electrical circuits with lights.
• Paper and dried plant decorations can Easily ignite. . Keep 'em away from flames, lights, electrical cords and
• Keep porches and walkways well lit and free of clutter and debris That might be tripping hazards; . Put reflective tape on your steps and along your walkway
• Do not forget about your pets - They Could Be upset by the unusual activity and May be skittish. Keep 'em inside and away from the door so They Do not frighten or nip at your guests.
• Be careful not to let your pets eat candy, qui peut être toxic to em.
• Park your car in a garage, if possible. Mischief Makers May egg your gold house car.
• Lock up bicycles, gas grills and --other outdoor valuables.

Halloween vandalism can Range from "mild" pranks to more serious and willful property damage. A well-lit house and motion-activated lights May help to protect your property. If you-have a garage, keep you locked up since. If you do not, you might want to check your car before bed or very early in the morning - that way, if your car HAS Experienced any "mischief" such as a dousing of shaving cream, silly string, eggs, or other food matter, you May be ble to hose it away before the sun bakes it in. Some of These substances can causes scratches or dents; others can be corrosive to your paint. Pressurized water from your hose is your best clean-up ally.
Call your agent
If you shoulds Suffer Any damage to your property gold-have Any accidents During Halloween weekend, file a claim as soon you can claim to get the process in motion. Be ready with the details of Where and when to the event Occurred, along with the names and addresses of the parties Any Injured gold Witnesses to the event. If there is damage to your property, report it to the police, take pictures, and record the details so you will not forget 'em later.

It is inevitable - the first major storm of the year sees the vehicle slipping and sliding all over the road with clashes galore and some cars out of snowbanks. At the end of winter, New England we have fairly good driving skills but it is almost as if we all have to relearn every year.
This is a fun way to hone your skills season and maybe even learn something new: visit the fun and informative Michelin Winter Driving Academy. It includes videos, games, quizzes, and tips on preparing your car for winter; Vehicle handling bases, such as turning and braking; tips on driving in ice, slush, snow and black ice; and information on the winter tires.
Whether you need tires or not, there are many other good information on the website of tire maintenance, storage of tires and driving and safety tips.

You just had a relatively minor accident ... you are filing an insurance claim or pay out of pocket? In this short video, the officer Renaissance Alliance Geoff Gordon guides you through the pros and cons to help you decide. It is just one example of the many ways an experienced agent can help you save money and protect your assets. Find an insurance agency New England Renaissance Alliance near you.

Every February, the LifeFoundation runs a promotion called "Securing Your Love," which reminds the public that a good way to show you love someone is protecting them by the gift of life insurance. Here are some wacky videos of previous promotions nonprofit. If you are a traditionalist on gifts for Valentine's Day and choose to buy jewelry or another expensive item, make sure you make those, too!

March is National Colorectal Cancer Awareness Month. Colorectal cancer is the second leading cause of cancer death in the United States. Each year about 140,000 Americans are diagnosed with colorectal cancer and more than 50,000 people die. It affects men and women and the risks increase with age. Over 0% of calls occur in people 50 years and older.
According to the CDC, if everyone who is 50 or older were screened regularly, as much as 60% of deaths from this cancer could be avoided.
learn more about screening for colorectal cancer, including free screenings for low-income people in 25 countries.
more on prevention, risk factors, symptoms a nd

Passwords for more than 6 million LinkedIn accounts were disclosed by pirates last week, and just after it was announced there was a leak of more than 1.5 million eHarmony user passwords. strong security experts councils: Change your passwords now
Here's the scoop :. You should change your passwords for these accounts, and if these passwords were used on all other accounts, you need to change them, too. Run, do not walk, to change passwords if one of these accounts are linked to your financial data.
Creation and management of passwords is a nuisance for many, but it is one of the first defenses against the prevention of identity theft and illegal access to your important accounts. It is something that you should take seriously
Here are some safety tips :.

• Ideally, you should use separate passwords for each account. At the very least, create and save unique passwords, distinct and strong for your banking and email accounts, and other accounts that have sensitive financial information. Do not reuse passwords on other sites. This way, you would limit damage and exposure if one account is compromised.
• Take time to learn and create strong passwords. Microsoft Security Center provides simple tips on creating strong passwords and a password checker Secure, a tool you can use to test the strength of a password.
• Make it a common practice to change passwords regularly, especially for large accounts. At a minimum, do it twice a year in the summer time when you change your fire alarm batteries.
• Avoid storing online credit card information. Enter each time when making a purchase. the comfort of today could be the headache tomorrow.
• Never enter a password in an email or a website you clicked on an email. Phishing can be very convincing. Instead, if you receive a notice from a bank or other account, go to the site directly from your browser and log in there.
• Consider a password management service. Although we can not make a recommendation for a specific service, some more popular frequently quoted on tech forums include LastPass, KeePass and 1Password. They have different features and benefits, and help solve the problem of memory and storage of passwords. While there are free versions of password management, it seems important enough to consider paying annual service fee.

See other messages on theft and scams ID.

Heart and Stroke Association asks the question: What will be your last 10 years look like? It is a short but causing clip that reminds us that health choices we make today will determine the quality of our lives later.

If you fear that you might be on the way to the person on the right, it is never too late to make healthy changes. Here are some places to start. The New England Journal of Medicine recently published the results of a study on the Mediterranean diet. The study found that people at high risk of coronary artery disease may reduce the risk of stroke, heart attack and death from the disease of 30% coronary artery based on a Mediterranean style of eating. Learn about more of a Mediterranean diet Mayo Clinic.
If you need more exercise, the CDC offers advice on how much physical activity you need, depending on your age. The CDC also advises to add physical activity to your life.