Posts Tagged ' libke'

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Carbon Monoxide, the deadly silent killer that lives inside your home

The statistics are alarming, heart-breaking and avoidable. Each year 400 people in the United States die from “non-fire related” carbon monoxide poisoning; and 20,000 emergency room visits are due to inhalation of carbon monoxide. Almost every single one of them, is preventable. Carbon Monoxide is odorless, colorless and can become an issue in your home when autumn sets in. Once the cold starts creeping, we shut the windows, place draft guards at the doorways and spark up the furnace. Shutting the house up tight may save on heating bills, but the downside is that it creates a seal that prevents the house from breathing and gases to get trapped.  Any element in your house that “burns fuel” releases carbon monoxide. It exists around you every day in small quantities. It is once it is trapped and builds that it makes you ill. So how do we prevent ourselves from becoming a statistic? First know the symptoms of Carbon Monoxide poisoning. Early symptoms of carbon monoxide poisoni ...

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Show Me The Money: 11 Ways to Save Money on Your Car Insurance.

So you’re shopping around for auto insurance. What do you need to know? Well, there are lots of ways – at least 11 – that you can save money. Many of these money-saving ideas may apply to you.

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Keeping Sally Safe: New Rideshare Services for Women Only

The stories have made headlines over the past year., “Former Boston Uber driver sentenced for rape.” There is a website dedicated to reporting Uber and Lyft alleged assaults against women (www.whosdrivingyou.org) . That site lists dozens of incidents from around the country of robberies, attacks, misdemeanors and felonies between Ride for Hire drivers and female passengers. It is getting to the point where women are shying away from using the service in fear that they really have no idea who is behind the wheel of the vehicle they are driving in. Enter, “Chariot for Women”, “Safe Her” and “See Jane Go” just a handful of new ridesharing services that have been created recently to appeal to women only and create a comfortable and safe environment and experience for women who need car service. The ridesharing services work exactly the same as Uber or Lyft. Drivers and passengers register on the website or via a phone app. After a certification and training proce ...

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Crash for Cash – Staged Auto Accidents

Wait? What just happened? You were cruising down the road, beautiful day, no traffic on the highway. Suddenly a car appeared out of nowhere, swerved in front of you and jammed on his brakes for no apparent reason.  You attempted to swerve into the left lane, but a van suddenly appeared to your left and you had no choice but to hit the bumper of the car in front of you. Suddenly chaos, the car you bumped is filled with passengers who are screaming of neck and back injuries. A few other autos stop and witnesses claim that you were driving erratically and had no control of your vehicle. When you point out the van that boxed you in, you realize that it is long gone. You’ve been scammed. That particular Insurance Fraud Scenario is called: Swoop and Squat and it is designed to bilk your insurance agency of thousands of dollars. Many dishonest drivers will maneuver innocent motorists into auto crashes. The cars may only suffer a small dent, but the crooks still make large and illegal claims for fake ...

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Now that Hurricane Hermine has blown out to sea …

Storm paths are unpredictable.  Insurance client’s reactions to storms are very predictable.  The good thing about a hurricane or other weather phenomenon approaching is that it causes people to re-examine and reconsider their current insurance policies and their possible needs.  Do I have the right insurance? Do I have enough insurance? What happens if I need to use my insurance? It’s good for people to be shaken up a bit, because it causes them to reevaluate. So I thought it would be an excellent time for a quick update on floods, hurricanes, and wind, (oh my!) Does Homeowners Insurance cover damage from a hurricane? There is no singular insurance policy that can cover all the possible scenarios of damage that a hurricane can cause to your property, your house and your belongings. Most damage that happens during a hurricane is related to wind damage or flood. Your individual Homeowners Insurance should cover lost shingles, trees that toppled onto buildings, total destruction, ...

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55 miles per hour, a chunk of steel 60 feet ahead in the roadway

We have all encountered it. A beautiful sunny afternoon, cruising down the highway at 55mph, window open, radio on and suddenly … a 10 foot piece of scrap metal is looming in front of you, directly in your path, right in the center of your travel lane. Do you swerve to avoid it, cutting off the  car that is in the next lane? Do you slam on your brakes and pray that the tractor trailer on your tail does not rear end you? Do you just hit it and pray that I does not destroy your undercarriage or become airborne and smash through a windshield. AAA has recently released the following statistics concerning roadway litter: *Since 2001, roadway accidents involving debris have escalated by 40%. *Every year over 50,000 crashes are due to cars avoiding roadway litter. *125 people die a year, more than 500 deaths between 2011 and 2014 *0ver 39,000 injuries  are the direct result of refuse in the roadway. Why the upswing? Multiple Reasons: 1. The Closing of Eisenhower Interstate Highway Sys ...

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Beyond bread, milk, diapers and Duracell ... Are You REALLY Prepared?

PEOPLE FORGET... Immediately after September 11, 2001, individuals scrambled to prepare for the unexpected. We were so caught off-guard, that citizens began to squirrel away food, water, batteries and other essentials “just in case.” When Hurricane Sandy approached, residents scrambled and stocked up on frozen pizzas, milk, and flashlight batteries, only to have to toss out the spoiled and defrosted food after towns were plunged into darkness for weeks. You’ve seen it over and over. Every time a snowstorm is predicted to bury us under multiple feet of snow, the lines at Shop-Rite are out the door and a loaf of bread is nowhere to be found. We wait until we are on the edge of disaster and we “react” instead of “act.” To combat the confusion,  the Federal Emergency Management Agency (FEMA) has designated September as: "National Prepardness Month". This specific event was created in response to the 9/11 attacks and is meant to reach out to citizens and ...

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What do you mean my flight was cancelled? Travel Insurance Don't Leave Home Without It!

Like the seasons, it happens certain times of the year; Christmas and Thanksgiving Holidays, summer vacations, oncoming hurricanes and blizzards.  Usually you will see a news blurb or sound bite of a news reporter, stationed at a metropolitan airport or a train station, microphone in hand, interviewing a frustrated traveler about cancelled flights, missed vacations and delays. Vacationers and businessmen trying to get to their destination, spending hours stranded in airports and train terminals. Last week there was a major glitch in the Delta Airlines computer network that lead to the cancellation of hundreds of flights across the country and internationally. People scrambled to re-book on other airlines to find a way to get off of the ground and get home. Some lost a day or two of vacation, missed connecting flights and missed some major milestones such as family weddings. I will guarantee you that many of the airline passengers that were waiting for flights in airports around the country were looking ...

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That red sports car may not lead to you being pulled over, but these cars will.

  I remember my Uncle giving me advice around the Thanksgiving table when I was on the brink of my 17th Birthday.  “Red is bad”, He stated. “Never, every buy a red sports car. You will be swimming in tickets.” That was always the rumor back in the day. Police officers looked to ticket cars that were painted red. They assumed that “red” meant “hot rod, speed demon, and lead foot." That assumption has been dis-proven over the years. But, according to a recent study published at, yourmechanic.com,  there does seem to be a correlation between automobile make and model and odds of receiving a ticket for a moving violation. According to a recent survey of 323,000 drivers ticketed for moving violations: running a red light, driving at night without headlights, illegal turns, illegal parking, running a stop sign or speeding, the two makes and models that received the most tickets were the Lexus ES 300 and the Nissan 350Z, with almost  ⅓ of drivers (or 1 ...

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FIRE: It Takes Less Than Five Minutes To Consume Your Home

Most likely if you watch the evening news or log into any social media platform you have heard about the Sand fire outside of Los Angeles. Horrible, uncontrollable rage of flames spreading far and wide. As of my writing this, 18 structures have been destroyed, countless acres burned, property loss has been extensive, thank God there has been no loss of life. Last year our west coast offices in Washington were damaged by wildfires that were consuming towns in the Northwest. Luckily we were able to rebuild, but many residents lost their homes, their possessions, their treasures that are irreplaceable. Conditions this summer are ripe for wildfire, no matter where you live. In New York, you can smell the scent of pop-up brush fires that are occurring in local forests and farmer’s fields right outside the front door of your house. Since the National Weather Service is predicting that this drought could last until late October, I thought it might be an optimal time to give you some tips on how to prev ...

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