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Some Gifts Last Forever

December 1st, 2011 | Posted in Insurance News

With the holidays upon us, everyone is looking for the perfect gift, especially for their children or grandchildren. US News and World Report published an article on its website listing six financial gifts you can give a child that will make future holidays even brighter than this one. Here’s a quick summary of what author Emily Brandon suggested:

A 529 plan: This is a college savings plan – either a prepaid tuition plan for a specific college or an education investment account.

A Roth IRA: If your child is working and earning an income, you can put “matching” money into a Roth IRA, up to $5,000. The money grows tax-free because your contributions were made with after-tax dollars.

A savings bond: This is great for teaching the power of compound interest and investing for the long-term.

Cash: Cash is always great! (But remember, once it is spent, it’s gone – with no lasting memory.)

Financial advice: Use a non-family financial professional. This is especially good for adult children who are trying to get their feet on the ground.

A piggy bank: A bank is an excellent first experience for putting away money instead of spending it.

What the article didn’t mention was the gift of life insurance. A policy that parents or grandparents give can become a lasting gift for the child’s financial future. It can provide cash for college, a new home, a new business or for changing family and financial need, money for emergencies when it is needed most, and protection of the child’s insurability.

Sure, there may be no need for insurance protection today, but there will be in the future. A small policy with a guaranteed policy purchase option for additional insurance in the future may be a gift that can never be duplicated if the child develops health problems.

Think about it. Would you like your grandchild to remember you forever? A gift of life insurance can do this.

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How Owning a Dog or Cat Can Reduce Stress

December 1st, 2011 | Posted in Insurance News

Stress and Health Benefits: Pets are our 'best friends' for a reason!

When thinking of ways to reduce stress in life, usually techniques like meditation, yoga, and journaling come to mind. These are great techniques, to be sure. But getting a new best friend can also have many stress relieving and health benefits. While human friends provide great social support and come with some fabulous benefits, this article focuses on the benefits of furry friends: cats and dogs! Research shows that, unless you’re someone who really dislikes animals or is absolutely too busy to care for one properly, pets can provide excellent social support, stress relief and other health benefits—perhaps more than people! Here are more health benefits of pets:

Pets Can Improve Your Mood:
For those who love animals, it’s virtually impossible to stay in a bad mood when a pair of loving puppy eyes meets yours, or when a super-soft cat rubs up against your hand. Research supports the mood-enhancing benefits of pets. A recent study found that men with AIDS were less likely to suffer from depression if they owned a pet. (According to a press release, men with AIDS who did not own a pet were about three times more likely to report symptoms of depression than men who did not have AIDS. But men with AIDS who had pets were only about 50 percent more likely to report symptoms of depression, as compared to men in the study who did not have AIDS.)

Pets Control Blood Pressure Better Than Drugs:
Yes, it’s true. While ACE inhibiting drugs can generally reduce blood pressure, they aren’t as effective on controlling spikes in blood pressure due to stress and tension. However, in a recent study, groups of hypertensive New York stockbrokers who got dogs or cats were found to have lower blood pressure and heart rates than those who didn’t get pets. When they heard of the results, most of those in the non-pet group went out and got pets!

Pets Encourage You To Get Out And Exercise:
Whether we walk our dogs because they need it, or are more likely to enjoy a walk when we have companionship, dog owners do spend more time walking than non-pet owners, at least if we live in an urban setting. Because exercise is good for stress management and overall health, owning a dog can be credited with increasing these benefits.

Pets Can Help With Social Support:
When we’re out walking, having a dog with us can make us more approachable and give people a reason to stop and talk, thereby increasing the number of people we meet, giving us an opportunity to increase our network of friends and acquaintances, which also has great stress management benefits.

Pets Stave Off Loneliness and Provide Unconditional Love:
Pets can be there for you in ways that people can’t. They can offer love and companionship, and can also enjoy comfortable silences, keep secrets and are excellent snugglers. And they could be the best antidote to loneliness. In fact, research shows that nursing home residents reported less loneliness when visited by dogs than when they spent time with other people! All these benefits can reduce the amount of stress people experience in response to feelings of social isolation and lack of social support from people.

Pets Can Reduce Stress—Sometimes More Than People:
While we all know the power of talking about your problems with a good friend who’s also a good listener, recent research shows that spending time with a pet may be even better! Recent research shows that, when conducting a task that’s stressful, people actually experienced less stress when their pets were with them than when a supportive friend or even their spouse was present! (This may be partially due to the fact that pets don’t judge us; they just love us.)

It’s important to realize that owning a pet isn’t for everyone. Pets do come with additional work and responsibility, which can bring its own stress. However, for most people, the benefits of having a pet outweigh the drawbacks. Having a furry best friend can reduce stress in your life and bring you support when times get tough.

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A Bright Idea: Check Your Vehicle’s Lights and Wipers

December 1st, 2011 | Posted in Insurance News

As the days get shorter, it’s a bright idea to make sure your vehicle’s lights and wipers are working properly so you can be seen by others and your visibility is not compromised, advises the Car Care Council.

“Lights and wipers play a critical role in safe driving, as the chance of an accident increases if you can’t see or be seen,” said Rich White, executive director, Car Care Council. “From the driver’s seat you may not notice a light that isn’t working, so inspect all of your car’s lights and replace those that are out. Also, inspect and replace wiper blades so you can see clearly when wet weather hits.”

Lights are normal wear items that require periodic inspection and replacement. The lighting system provides nighttime visibility; signals and alerts other drivers; and supplies light for viewing instruments and the vehicle’s interior. In addition to replacing dimming, rapidly blinking and non-functioning lights, the following tips can help keep you safe:

   • Keep headlights, tail lights and signal lights clean. External dirt and debris can dim
     operational lights from being seen by others.

   • Make sure that your headlights are properly aimed. Misaimed headlights blind other drivers
     and reduce your ability to see the road.

   • Don’t overdrive your headlights; you should be able to stop inside the illuminated area,
     otherwise you are creating a blind crash area in front of your vehicle.

   • If there is any doubt on whether or not your headlights should be on, turn them on. Lights
     not only help you see better in early twilight, they also make it easier for other drivers to see you.

The wiper system keeps excessive water, snow and dirt from building up on the windshield, maintaining clear visibility. Many factors can accelerate the replacement interval of wipers, including operating conditions (winter conditions are tough on wiper blades), frequency of use, material and type of wipers and sunny weather. In fact, wiper blades can deteriorate faster and need more frequent replacement in desert states.

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Happy Travels…

December 1st, 2011 | Posted in Insurance News

Airport pat downs? Full-body scans? Fuhgeddaboudit.

With the holidays thundering toward us like Rudolph on Red Bull®, the last thing you want to worry
about is the little gift you’ll get from the TSA on your next trip to the airport.

Airport security is an inescapable part of travel. At Identity Theft 911, we watch the wrestling match
between security and convenience play out every day as we help fraud victims reclaim their lives.
And here’s what we’ve learned so far:

     You can have great convenience.
     You can have great security.
     But you rarely can have both.

While we can’t relieve your angst about which option to choose at the security gate, we can offer
you a few pithy thoughts to mitigate your agita during holiday travels and into the new year.

Wishing you safe skies, short lines and a joyous New Year!

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HD-DVD vs. Blu-ray

December 1st, 2011 | Posted in Lifestyle

Holiday Appetizer Wreath

December 1st, 2011 | Posted in Lifestyle
Submitted By: Pillsbury® Crescents
Prep Time: 20 Minutes
Ready In: 55 Minutes
Servings: 16

“Easily transform crescent rolls into a festive first course for 16. Wrap red and green veggies inside and decorate with fresh rosemary ‘greenery.’ It’s a beautiful edible centerpiece!”

Ingredients:

6 slices bacon
1/2 cup chive-and-onion cream cheese
spread
2 (8 ounce) cans Pillsbury®
Refrigerated Crescent Dinner Rolls
2 cups Green Giant Select® Frozen
Broccoli Florets (from 14-oz. bag),
thawed, finely chopped, and patted dry
with paper towel
1/3 cup diced red bell pepper
1 egg, beaten
1 teaspoon sesame seed
Fresh rosemary, if desired

Directions:

1.  Heat oven to 375 degrees F. Cook bacon as desired until crisp. Drain on paper towel; crumble bacon and set aside.

2.  Unroll both cans of dough; separate into 16 triangles. On ungreased large cookie sheet, arrange triangles with shortest sides toward center, overlapping in wreath shape and leaving 4-inch round circle open in center (see diagram). Crescent dough points may overlap edge of cookie sheet. Press overlapping dough to flatten.

3.  Spread cream cheese spread on dough to within 1 inch of points. In small bowl, mix crumbled bacon, broccoli and bell pepper; spoon onto widest part of dough. Pull end points of triangles over broccoli mixture and tuck under dough to form ring (filling will be visible). Carefully brush dough with beaten egg; sprinkle with sesame seed.

4.  Bake 25 to 30 minutes or until deep golden brown. Cool 5 minutes. With broad spatula, carefully loosen wreath from cookie sheet; slide onto serving platter. Garnish with fresh rosemary. Serve warm. Store in refrigerator.

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