dehayes magazine february 2012

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  • contentsIssue 2 March 2012

    P. 20

    P. 09

    P. 17

    P. 19

    What is covered by a Basic Auto Policy?

    Do I need Business Interruption Insurance?

    Small Business Insurance Basics

    Should I purchase an Umbrella Liability Policy?


    P. 21

    P. 23

    Medicare 2012

    Safety Tips for Students Abroad


    P. 03

    P. 05

    P. 07

    Teen Tips on Encouraging Driver Safety

    Financial Planning Helps Manage Student Debt

    Fire Safety Room by Room


    P. 13

    P. 15

    Wireless Technology Helps Improve Healthcare

    How to manage Small Business Computer Security


    P. 11

    P. 25

    Keep your Mental Edge as you age

    Stress Busters


    departments on the cover






  • All too often, news headlines tell of another teen killed in a car crash. It is estimated that 35 percent of teen casualties are due to vehicular driving accidents, making it the leading cause of death among teenagers in the U.S., according to the National Highway Traffic Safety Administration.

    Through their participation in a high school program called Proj-

    teen tipsect Ignition, thousands of young people have stood up to this sta-tistic and worked tirelessly to change the driving behaviors of their peers and broader communities.

    If you have a teen driver in your family who you want to help become safer on the road, here are some tips from students in Project Ignition:

    Teens Offer Parenting Tips that Encourage Teen Driver Safety

  • 1 Open the lines of communicationTalk with your teen about distracted driving. Make sure you both understand what things are dangerous distractions. Listen to your teen. Ask about what its like being in the car with other teens, and what distractions there are to handle.

    2 Offer SupportEncourage your teen to use his or her voice. Role-play with your teen so that he can become comfortable saying things like, We both want to live, so let me answer your phone or text while you drive. Help your teen get involved with programs at school like Project Ignition, so that she can be a positive example and make an impact.

    3 Set RulesSet family ground rules for texting and calling while driving. Your teen needs to know you have high expectations, and what the consequences will be if the rules arent followed. Know where your teen is going, who he will be with, and what time he is expected home.

    4 Be a positive exampleModel the behavior you want your teen to exhibit. If the phone rings while youre driving, dont answer it. Encourage your teen to answer your phone or text, al-lowing you to drive more safely. Speak up about distracted driving to your friends and peers in front of your teen driver. Help set an example, spread the word and save lives.

    Additional information can be found at

    Project IgnItIonA service-learning program coordinated by the National Youth Leadership Council and funded by State Farm, makes grants available to public high schools in the U.S. and Canada.

    The program provides young people the opportunity and tools necessary to take the lead in addressing teen driver safety issues in their communities by linking public service to academic cur-riculum.

    How It worksTwenty-five schools will be chosen to receive $2,000 grants to support the implementation of teen driver safety awareness and engagement campaigns.

    Ten of these 25 schools will be given $5,000 to sponsor their par-ticipation in a significant national conference or event. They will also be given the opportunity to receive an additional $2,500 to go deeper with their campaigns during the 2012-2013 school year.

  • In an increasingly competitive global market, educa-tion is becoming more important. But many families find the cost of education to be outside their grasp. Ac-cording to a study commissioned by the US Depart-ment of Education, from the 2001-02 to the 2010-11 academic year, the cost of attending a 4-year undergrad-uate in-state school rose by 47.3 percent.

    With ever-increasing education expenses, many fami-lies are accumulating significant debt, putting students further behind. However, with planning and financial management, students can control their finances. Here are some tips for parents of soon-to-be college students. Start the conversation. Talk with other parents, teachers and guidance counselors about the cost of education. Make contact with the student financial aid offices of the colleges on your childs list and get an accurate esti-mate of the cost of each institute. Most importantly, talk with your child. It is imperative your child learns the budgeting process as they will soon be managing their finances away from home.

    SeT THe budgeT and STIck To ITOnce you have a set budget, add wiggle room for other unforeseeable expenses. Make sure you set this budget realistically. Calculating the cost of pens and pencils may seem ludicrous, but if youre on a tight budget, ev-ery expense counts.

    geT connecTedTracking your financial spending is easier than ever. From smart phone apps to free financial planning soft-ware, you can get an accurate financial report at any time. Research banks to determine which ones offer services to help you can stay on top of your budget. Also, consider linking your banking account with your childs, to easily transfer funds online.

    Make a pLanWhen taking on debt, it is important to have a plan for paying it off. Calculate the monthly payments and time it will take your child to pay off the debt. Research salary ranges for the field in which your child plans to

    Financial Planning Helps Manage student debt

  • Home fires may seem like the kind of event that happens to someone else, but the reality is, it could easily happen to you.

    Approximately every three hours a home fire death occurs somewhere in the nation, according to the International Association of Fire Chiefs (IAFC). Take action now to make sure your home is safer, and that your family knows what to do in case a fire does break out.

    bedrooMSThe peak time for home fire fatalities is between 10 p.m. and 6 a.m., when most families are asleep. Do not trap electrical cords against walls. Heat

    can build up, posing a fire hazard. Use only lab-approved electric blankets and

    warmers. Make sure cords are not worn or com-ing apart. Do not leave electric blankets switched on all night unless they are marked suitable for all night use.

    Keep bedding, curtains and other combustible items at least three feet away from space heaters.

    Never smoke in bed. Replace mattresses made before the 2007 Feder-

    al Mattress Flammability Standard. By law, mat-tresses made since then are required to be safer.

    Have a working smoke alarm in every bedroom and outside each sleeping area.

    LIvIng rooM Do not overload electrical outlets. Never run electrical cords under carpets. Check all electrical cords for fraying or other

    signs of damage. Only light decorative candles when adults are in

    the room. Use stable candle holders that will not catch fire. Blow candles out when you leave.

    During a power failure, do not use candles or oil lamps for light. Keep battery operated flashlights

    Fire SaFetyRoom by Room

  • and lanterns in easily accessible places. Candles used for light in the absence of electrical power cause one-third of fatal home candle fires.

    Make sure you have a working smoke alarm in each room, including the living room.

    kITcHenCooking equipment is the leading cause of report-ed home fires and home fire injuries in the United States, according to the U.S. Fire Administration. Never use extension cords to plug in cooking ap-

    pliances. They can overload the circuit and start a fire.

    Stay in the kitchen when you are frying, grilling, or broiling food. If you leave the kitchen for even a short period of time, turn off the stove.

    Keep anything that can catch fire away from the cooktop. This includes potholders, oven mitts, wooden utensils, paper or plastic bags, food packaging, towels and curtains.

    Keep the cooktop, burners and oven clean. Loose clothing can dangle onto stove burners

    and catch fire. Wear short, close-fitting clothing or tightly rolled sleeves when cooking.

    Daylight saving time ends Sunday, Nov. 6, 2011 and marks the 24th anniversary of the Change Your Clock Change Your Battery program, created by Energizer and the International Association of Fire Chiefs (IAFC). This program reminds people to check and change the batteries in their smoke alarms and carbon monoxide detectors during the fall time change.

    For more tips, visit

    Information sourced from the International Asso-ciation of Fire Chiefs, The Home Safety Council, and the U.S. Fire Administration.

  • Business interruption insurance can be as vital to your survival as a business as fire insurance. Most people would never consider opening a business with-out buying insurance to cover damage due to fire and windstorms. But too many small businessowners fail to think about how they would manage if a fire or other disaster damaged their business premises so that they were tempo