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Getting a license is a big and exciting deal in your teen’s life, so share in the experience by acknowledging the accomplishment and be supportive of your teen’s growing independence. However, make certain that you discuss the responsibility that comes along with this achievement as well. Here are some key points to think about:
Pardon the pun, but I only mentioned because it happened to me. Yep. I’ve burnt the eyebrows and the hairs off my arms all in one shot. Or flaming inferno, that is. Had to order Chinese takeout that day for no one wanted to eat the burgers. Even now they still check to see if my eyebrows are intact before they eat anything I grill. So! That is what gave me the idea to blog about barbecue safety and what you shouldn’t do. Besides not following in my flip flops, here’s the deal on barbecue safety.
So, whether you are hot and fast grilling or doing a low and sloooww barbecue, there are a few things you should know to make sure that nothing goes wrong. When you are combining an explosive fuel with hot metals and open flame, it can be a recipe for disaster. So, here are some key pointers.
So! That is my lesson on Barbecue 101. Take the time to enjoy the rewards of summer with the sun on your back, the metal flipper in your hand, with the smell of the barbecue blowing in the air and lastly, keep your head out of the grill like me, so eyebrows stay intact.
Here at Donald J. Medeiros Insurance Agency our goal is to try to help our viewers by suggesting solutions for all insurance needs. By no means can we address each reader’s specific concerns in every incident. So, we strongly advise to check with an insurance representative to address your specific needs. However, you can also contact us for any questions or concerns and we will be happy to help you. We are able to offer a complete line of personal & commercial insurance products for all of Massachusetts, Rhode Island and New Hampshire.
Come visit us at www.donmedeirosinsurance.com or give us a call at 508-678-1271. We look forward to hearing from you! If you have a Facebook account, fan us at www.facebook.com/donmedeiros.
Every year, the U.S. Coast Guard compiles a list of statistics from all fifty states and five U.S. territories of reported recreational boating accidents. The numbers on these reports from year to year are staggering. As of 2011, there was approximately $52 million dollars of property damage as a result of recreational boating accidents and the number one contributing factor towards these accidents was due to the operators’ inattention. [Read more...]
E
very April, the National Safety Council has promoted Distracted Awareness Month and its’ message is to encourage the public to start driving without the use of a cell phone. This year’s theme “What were you thinking?” focuses on educating the public on the distraction to the brain from a cell phone conversation while driving, whether it is a handheld or hands-free device.
It is estimated that one in four crashes are caused by distracted driving of cell phone use and for new teen drivers, it’s the most common and dangerous distraction for them while behind the wheel. According to a recent study by the Centers for Disease Control and Prevention (CDC), a third of teens self-reported texting or emailing while driving and the statistics of fatal crashes for this same age group shows that 19 percent were in fact distracted by the use of cell phones.
Text messaging is especially dangerous while driving and creates a crash risk 23 times worse than driving while not distracted. Texting takes a driver’s attention away from the road for approximately 4.6 seconds and at 55MPH that is like driving an entire length of a football field blindfolded. Watch the following YouTube video that shows just how easy it is to be distracted by a text message. http://www.youtube.com/watch?v=mnw_7xI5klM&feature=youtu.be
Since Distracting Driving has been such a rising concern, state laws have been put in place to strongly discourage the use of cell phones while driving. As of March 2013, 10 states have instituted a hand-held cell phone ban for all drivers, with all but two making it a primary offense. No state bans all cell phone use for all drivers, but 34 states ban all cell phone use by novice drivers. Texting while driving is banned in 39 states with all but four making it a primary offense. An additional six states prohibit text messaging by novice drivers. To view the cell phone use laws for your state, visit this link.
The best way to end distracted driving is to educate everyone about the danger it poses. On this page, you can find facts and statistics that are powerfully persuasive. Please take a moment to learn more about Distracted Driving and its’ risks and share the information with your family and friends. Together, we can help save lives.
Here at Donald J. Medeiros Insurance Agency our goal is to try to help our viewers by suggesting solutions for all insurance needs. By no means can we address each reader’s specific concerns in every incident. So, we strongly advise you to check with an insurance representative to address your specific needs. However, you can also contact us for any questions or concerns and we will be happy to help you. We can offer a complete line of personal & commercial insurance products for all of Massachusetts, Rhode Island and New Hampshire.
Come visit us at www.donmedeirosinsurance.com or give us a call at 508-678-1271. We look forward to hearing from you! If you have a Facebook account, fan us at http://www.facebook.com/donmedeiros.
Ideally, between the ages of 50 and 65.
This age group begins to think realistically about retirement and is actively planning for that golden day. Usually, they will have the other financial requirements behind them at that point such as a mortgage, college tuition and the like. So, planning for the financial impact of retirement is the next logical choice. With that, it is prudent to take into consideration the likelihood of falling sick when you are retired. This is where Long-Term Care Insurance is a wise choice.
There are some misconceptions when it comes to Long-Term Care Insurance that we are going to cover. The main one is that it is too expensive; the second is that there is no option for At-Home Care and then lastly, that you are too young to purchase it. None of which is true.
Let’s talk about its’ cost. If you have a yearly premium of say $3,000, that amount could easily be absorbed in just a few short weeks in a long-term care facility. Imagine having to pay that expense out-of-pocket when you are retired? According to the American Association for Long-Term Care Insurance, the average annual premium for a 50-year old purchasing a typical policy will pay a daily $200 benefit for 3 years with a 3% compound inflation option is $2,235 annually, that’s right annually. The average annual cost for an Assisted Living Facility with a 1 bedroom in Massachusetts is $55,050! You can click on this link to view the average cost of Assisted Living for your state.
When it comes to Long-Term Care Insurance it is very customizable. The big benefit is that you can receive care in the comfort of your own home, which most would prefer. But, there are other choices and one is Assisted Living Care which has the added benefit that is close to the comfort of home because it allows for independent living and privacy with the additional services that are included such as housekeeping & meals. The least desirable but usually a necessary option, is a nursing facility where there is a medical staff onsite to take care of patients that are in need of extensive round the clock care.
Long-Term Care Insurance is another pot of money that consumers can use to help retire and age in the lifestyle that they desire. It can be applied towards the cost of care, however, there are some instances it may not cover all costs. So, the earlier you start to contribute, the larger the pot of money will be. The providers of Long-Term Care Insurance look at the risk, which is the likelihood of you falling sick, so the younger and healthier you are, the cheaper the insurance will be and the less you’ll pay in premiums. Premiums are fixed like Life Insurance so they cannot cancel or increase your rate, unless there is a general rate increase across the board.
There is quite a bit of information to think about when considering Long-Term Care Insurance. But, there one thing that is for sure, that we will all grow old. If you are able to stay healthy and live independently in your own home to the end of your days, you will be one of the very few who are very lucky to be able to do that.
Here at Donald J. Medeiros Insurance Agency our goal is to try to help our viewers by suggesting solutions for all insurance needs. By no means can we address each reader’s specific concerns in every incident. So, we strongly advise you to check with an insurance representative to address your specific needs. However, you can also contact us for any questions or concerns and we will be happy to help you. We can offer a complete line of personal & commercial insurance products for all of Massachusetts, Rhode Island and New Hampshire.
Come visit us at www.donmedeirosinsurance.com or give us a call at 508-678-1271. We look forward to hearing from you! If you have a Facebook account, fan us at http://www.facebook.com/donmedeiros.
Donald J. Medeiros Insurance Agency Provides Auto, Homeowners, Business, Life, Disability, and Long Term Care Insurance to All of Massachusetts, Including Rhode Island and New Hampshire.
Donald J. Medeiros Insurance Agency Is Compliant With The 201 CMR 17.00: Standards For The Protection Of Personal Information Of Residents Of The Commonwealth.
