Cell Phones: Both a Blessing and a Curse

The Blessing

Cell phones have become a standard equipment for many of us, as calling or texting has improved communication greatly. Not only do Mom and Dad have cell phones, but most of the kids do, too. Parents can keep track of their kids, business people can stay in touch with their customers -- whether they're sitting at their desk or out in the field -- and low-cost long-distance plans keep people in touch with distant friends and relatives that in the past was impractical and costly.

The Curse

Of course, there is a downside to the ubiquitous cell phone, such as when people in restaurants, movie theaters, or on public transportation loudly converse on anything and everything about their lives in public, ignoring the fact that most people don't care to hear it, or worse, are offended by it. Like most new technology, it's a lack of etiquette and courtesy on the part of the user that causes the problem, not the device itself. If you use a cell phone, please be aware that people around you may not want to hear your conversation, and find someplace private to talk. Just because you can talk just about anywhere, it doesn't mean you SHOULD. We don't want to know what you're planning for dinner. Really.

Hands-Free

For drivers, there are now bluetooth earpieces for cell phones that allow for hands-free driving, enabling commuters to conduct business while on the road, and friends and family to communicate. Now they can carry on conversations in their car, with their hands full, grocery shopping, or pretty much anywhere they choose. The convenience is liberating, but, once again, this can make it less than appealing to the people subjected to a bluetooth user's conversation, such as when they are in a public place and are seemingly talking to themselves. This can disturb people around them, and many times the device cannot be seen, so others mistakenly think someone is talking to them. This can be annoying or downright embarrassing!

Social etiquette aside, cell phones have brought an incredible amount of communication to our fingertips. The latest cell phones have everything but hot and cold running water. Most of it is just fun and games, but cell phones can perform some very important functions. Getting to know these features could come in very handy someday.
 

Features and Handy Tips:

GPS Technology
Disney has a cell phone with GPS technology that allows the parent to track the location of the handset. This was designed for parents with children between 10 and 15 years old. Parents can control the times and days the children use the cell phone, and the child can feel safer knowing that their parents know where they are when they're not at home.

Mobile Emergency # 112
(Finds existing network. Can be used even if keypad is locked)

If Keys Get Locked in Car

Call home and spare keyless entry button can be pushed on cell phone. You hold your cell phone about a foot away from car door and it will open it!

For Reserve Battery Power:
If cell battery runs out, push *3370# and you will get 50% power. Will recharge the reserve when recharged
 

Write Down Cell Phone Serial Number:
Push *#06# and a 15-digit code will display. Write down and keep in safe place. If phone gets stolen, give code to phone company and phone will be disabled.

Free Mobile Directory Assistance:
Instead of 4-1-1, which is a charged call, dial 800-FREE411 (800-373-3411) and there is no charge for directory assistance.

You may know of other tricks and tips in addition to the ones listed here. We'd love to hear about them!

Driver Alert: Washington's New "Emergency Zone Law" Increases Safety Zone for Emergency Vehicles

Drivers must slow down and move over for Emergency vehicles.

Washington state's "Emergency Zone Law", which takes effect on January 1st, is even more stringent than the existing "Move Over Law", which has been on the books since 2007.

The new law creates a 200-foot zone around stationary emergency vehicles that have their lights activated. This includes Medic One, fire engines, police cars, tow trucks and even Department of Transportation vehicles.

The reason for the increased safety zone is to protect first responders. Fines for speeding in these zones will double, and tickets for failing to slow down and move over will also double, from $124 to $248.

Currently, the "Move Over Law" requires motorists traveling on a road with at least two lanes in their direction to move over one lane from the shoulder when approaching an emergency vehicle with its lights activated. Drivers are also required by law to slow down and proceed with caution.

On roads with one lane in each direction, motorists must slow down and pass to the left of the emergency vehicle if it is safe to do. But, they must yield the right-of-way to all oncoming traffic before proceeding.

The new law has similar wording, but increases the safety zone in front and behind active emergency vehicles to 200 feet, and doubles the fine for failing to slow down or move over.

The increased safety zone was voted into law due to the injuries and fatalities suffered by emergency personnel by drivers who failed to yield or give a wide berth to emergency vehicles. Recently, a couple police officers responding to a disabled vehicle were injured when they had to jump off the road to avoid being hit by an inattentive driver. In another recent case, a tow truck driver was killed while tending to a disabled vehicle on the southbound lanes of Interstate 5.

Between April 2009 and December 2010, the "Move Over Law" has resulted in 2,940 drivers being warned by Washington State Patrol officers, with 592 tickets issued.

This law increases the safety zone around emergency vehicles, and is likely to result in more citations in an effort to reduce the injuries and fatalities suffered by police, medics and tow truck drivers while they're trying to do their job.

Please slow down and make sure you give these workers plenty of room when approaching them on the road. If not, you're looking at a hefty fine beginning January 1.

Sources: Washington State Patrol, Seattle Times

Holiday Travel by Car Takes a Little Planning

With Christmas and New Year’s both falling on the weekend this year, the holiday season will be more of a challenge than usual. With airfares more expensive, and the security at airports at unprecedented levels of intimacy and aggravation, you might be set on getting to Grandma’s house by automobile this year.

With the price of gas fairly stable and plentiful, combined with the continued steep rise in airfare and lack of available flights, a road trip may be more attractive to many travelers this season.

But, if you are considering going over the river and through the woods to grandmother’s house this year, here are some things to consider:

Pre-plan your route

Even with a GPS system, it’s good to have a backup plan, as road construction will not always show up on the GPS. Going online and checking the cities and states along your intended route for scheduled maintenance and delays will allow you to plan alternative routes ahead of time. An alternative route that might normally have taken an extra 45 minutes might be actually much faster if the major route has construction that narrows the roadway or even shuts it down periodically. If you don't have a GPS system, go to your local AAA office and pick up maps of the area. Getting lost can ruin even the most well-planned road trips.

Allow plenty of time

The most common reason why things go wrong is bad route planning. If you expect to get there without delays and average 60 miles an hour for the entire trip, you’re bound to be frustrated or upset. Even moderate expectations can be wrong when things such as snowfall, flat tires, road construction or heavy traffic slows you down. Don’t try to drive ‘straight through’ if the drive is going to be longer than eight or nine hours. Fatigue from driving too long puts you and your family at a higher risk of getting in an accident. Plan on stopping after a day of driving, and call for reservations before you leave on the trip. If you just arrive at your planned destination and try to find lodging, there may be no room at the inn, and you may be faced with either driving late into the night to other lodging, or settling for someplace that is either not very nice or very expensive. In either case, it isn’t a good start.

Consider when to leave and arrive

During your trip you will inevitably travel through some large cities. Plan your route pass through these areas to avoid rush hour driving, which will slow you down considerably and make the drive very stressful. Also, you don’t want to be in the middle of nowhere when it’s mealtime. If possible, drive through mid-size towns during that time so you can stop and have a good meal. It will be fun and relaxing, and you’ll be ready for more driving.

Stay hydrated while traveling

Drinking plenty of water keeps you alert and rested, and makes you a better driver. It will also help you avoid fatigue after you arrive. It may mean a few more bathroom stops, but a quick stop doesn’t make you lose much time, and will definitely make you feel better.

Keep the kids happy -- and busy -- during the trip

Letting the children know in advance how long the trip will take, and plot out some stopping points that they can look forward to during the drive. Let each one of them have a “car bag” that they can choose what to put in it. Suggest their favorite blankets or stuffed animals if they’re small, so they can have a familiar item to play or snuggle with. You may all be trapped in a car for the better part of the day, but if you try to keep it fun with little games like spotting license plate from other states, or finding the alphabet, in order, on highway signs or cars it will help break the monotony. Keep favorite snacks handy to keep them from getting hungry between meal stops, and point out interesting landmarks or points of interest along the way. Listen to music the entire family likes (if that’s possible), and invest in a portable DVD player for watching movies if your car doesn’t have one built in.

Traveling by car can be a great time for a family, or even a couple, to reconnect. The trip may take hours, and with everyone in the same ‘room’ for a change, conversations can take place that would not happen on an airplane with strangers present. Who knows, by the time you get to Grandma’s house, the entire family may be closer then ever!

All it takes is a little planning.

Sources: msnbc.com, Projector123.com and fonsecashow.com

Are You Prepared If There's a Power Failure?

Cold, wintry weather is in the forecast, and in recent years these storms have consistently caused power failures, some of which have lasted more than a week. With our dependence on electricity at historic levels, this has caused hardship and even death to those who aren’t prepared.

Since almost every year brings some period of time without any power, it’s important for every family to prepare for inevitability of just such an occurrence. With a little bit of forethought and preparation, most people can weather the storm without any assistance. And, during a power outage, government and police assistance is in short supply, with most struggling with multiple emergencies. Rather than burden the already strained safety net, be stocked up and ready when the power goes out.

Be Prepared for the Cold and Darkness

• • Make sure you have multiple flashlights with plenty of spare batteries.
• • Have a battery-powered clock in the house to keep track of the time and as a wake-up alarm for work or school (if it is open).
• • A battery-powered radio will allow you to keep in touch with weather forecasts and other important information that is being broadcast. It will also serve to entertain you with news or music during the long, dark wait.
• • If you have a fireplace, store a rick of seasoned (dry) firewood
• • Never operate generators, grills or other heat-producing appliances inside. They create carbon monoxide gas, which is poisonous and can be fatal.
• • If you’re using a power generator, make sure you have the gas tank filled up, and a spare gas. Gas stations cannot pump gas without electricity.
• • Wear multiple layers of warm clothing to help keep in body heat.
• • Avoid downed power lines. Report a downed line immediately to your local utility. Touching one of these lines could result in electrocution.
• • When sleeping, wear lots of clothes and multiple blankets or comforters.

The CDC recommends that you have a disaster supply kit, which contains enough water, dried and canned food, and emergency supplies (flashlights, batteries, first-aid supplies, medicine and a digital thermometer) to last at least three days.

Food Safety

If the power is out for more than a few hours, avoid opening the refrigerator door or freezer. This will keep the cold trapped inside, and prevent the food from warming up.

Check refrigerated items and throw away food that has a temperature higher than 40 degrees. Freezer food is safe for at least 48 hours, as long as the freezer doors are not opened.

The following resources provide additional information on preparing for emergencies and determining if your food is safe after a power outage:

• Food Safety After a Power Outage, American Red Cross
 Provides tips on safely storing your food and a chart to help you determine if your food is still safe.
• Keeping Food Safe in an Emergency, United States Department of Agriculture
 Fact sheet and FAQs on food and water safety including guidance on when to discard perishable foods.
• Being Prepared, American Red Cross
 Comprehensive site on preparing for emergencies including power outages.
• Food Safety Office, CDC
 Comprehensive food safety information.

Safe Drinking Water

Have plenty of bottled water on hand. When power goes out, water purification systems can be compromised. If you must use tap water, boil it first to kill off any harmful bacteria. Bringing water to a rolling boil for at least one minute will kill most organisms.

Emergency Shelters

If you must leave your house for any reason, the radio will let you know about community shelters in your area that are opened for people who aren’t prepared to stay at home without electricity. Shelters may start out without cots, chairs, blankets, food or water, so bring your own. Be aware that shelters have no privacy, and may not let you enter with your pets or any defensive weapons, such as pepper spray.

It's much better to be prepared, not burden the emergency services during the outage, and wait out the storm in your own home. It may seem like a hassle now, but when the time comes, you'll be thankful that you were ready.

Be Cautious When Driving in Fog

Now that the weather has turned wet and cold, drivers need to be more cautious then ever when traveling on roads and highways. Wet roadways, combined with the colder temperatures, means you could encounter heavy fog, and road surfaces will be more slippery, especially in shaded areas. Visibility goes down and gives drivers less time to respond to something in the road ahead. Fog can be the most visually limiting driving condition you face.

Tips for Driving in Fog:

 

• Take all fog-related weather warnings seriously. They are there for a reason!

• Turn off the radio and open your window a little to listen for car horns or engines. You may hear something before you see it.

• Turn on wipers, defroster and low-beam headlights. Never use high beams, as they only light up the fog and make seeing more difficult. Moisture in the air can accumulate quickly on the windshield, so adjust your windshield wiper speed and defroster fan as needed.

• Slow down! Pay close attention to the road ahead, increasing the distance between you and the car in front of you from two to five seconds. In case they have to slam on the brakes, you want to avoid a collision. It doesn’t matter what the posted speed limit is, slow it down and be ready to stop at a moment’s notice.

• Use your fog lights. If you have fog lights, use them. They help with site distance, since they're mounted lower and illuminate more of the road surface. Yellow fog lights work better than white fog lights, as they don't reflect off the fog as brightly.

If it gets too foggy and conditions are too dangerous, it’s best to stop at a rest area or exit the road and go to a protected area. If there is no exit readily available, pull safely off to the right side of the road and turn your emergency flashers on. Once conditions improve, then continue cautiously on your way.

Uninsured/Underinsured Insurance Coverage

Washington's insurance laws make Uninsured/Underinsured (UM/UIM) coverage an excellent bargain and an important benefit that can save you from a financial disaster if you are involved in a traffic accident.

All states, except New Hampshire, require liability insurance as part of your auto insurance coverage. It is considered good policy, because if you cause an accident, the person you hit should be able to recoup their expenses from you.

But the high cost of auto insurance forces some drivers to forego even basic liability coverage. They're out there driving, and have no means to pay for any damage they would do to your vehicle! The Insurance Research Council estimates that about one out of every six drivers is driving without any insurance coverage. That's 16 percent of the U.S. population!

Protect Yourself From Irresponsible Drivers

This is where UM/UIM coverage can really help. This coverage pays for your injuries when someone without insurance causes the accident or when you're hit by a hit-and-run driver. UM/UIM coverage also pays off when someone else causes the accident, but doesn't have ENOUGH insurance to cover your costs. UM/UIM will also help if you're injured and forced to miss work by paying your lost wages.


If you are in an accident which is cause by an uninsured motorist and you don't have UM/UIM coverage, your health insurance will generally pay for your medical bills related to that accident. That can be very expensive, however. If you have UM/UIM coverage, it will pay for the medical expenses until your limits are reached, then your health insurance will kick in to cover the amount over that.

But health insurance won't pay a dime for lost wages if you're injured and miss work, or for pain and suffering from the crash. That is paid by the at-fault driver's liability insurance, but if he or she doesn't have any liability coverage or it is insufficient, you're out of luck unless you go to court and try to recover the costs. However, if you have UM/UIM coverage, it will reimburse you for the lost wages and any pain and suffering that is caused by the accident.

Save on Deductibles

As in all auto insurance policies, there are deductibles.  If you obtain the at-fault driver's information, your deductible would be $100. Then your insurance company can go after them for reimbursement of damages. In addition, if they can recover the full amount of what they paid out to you for fixing your car, then they will give you your $100 back. If, however, you are involved in a hit-and-run, or a "phantom" type vehicle collision and there's no driver to go after, then the deductible is $300. This is another benefit of UM/UIM coverage, since a regular collision deductible is at least $500.

'Stacked' Coverage in Washington

What makes Washington an even better place to have UM/UIM coverage than, say, Oregon, is that the customer gets the coverage they pay for. For instance, if a Washington citizen buys $100,000 of UM/UIM coverage, they get up to an additional $100,000 of insurance benefits, above and beyond whatever amount of coverage the at-fault driver may have. This is called "stacking" -- the UM/UIM policy "stacks" on top of the at-fault driver's coverage. In other states, such as Oregon, if someone buys $100,000 of UM/UIM coverage, they may not get some or all of that coverage if they are hit by another driver. It depends on the amount of insurance carried by the at-fault driver. For example, if the at-fault driver carried $25,000 of liability coverage, the Oregon $100,000 UM/UIM policy would only pay a maximum of $75,000. If the negligent driver had $100,000 worth of coverage, the Oregon UM/UIM policy would pay nothing. That policy in Washington would pay up to an additional $100,000, or $200,000 total!

Regardless of what state you're in, UM/UIM insurance is very important. It protects you and your family from huge medical expenses, lost wages, and pain and suffering costs if you are involved in an accident caused by a negligent driver. And for less than a dollar a day, it is an incredible bargain! Without it, you're either at the mercy of the other driver's coverage or looking for a lawyer and a lawsuit. Which would you rather have?

For more information on Uninsured/Underinsured Motorist coverage, please contact us toll-free at 888-867-2866, or contact your SAV-ON Insurance agent.

Permanent Life Insurance Growing in Popularity Among Middle Class Consumers

One in Four Likely to Purchase It in the Near Future

As the economic downturn rolls into its third year, middle-class consumers are showing a growing interest in managing financial risk through the use of permanent life insurance products.
The August survey of the First Command Financial Behaviors Index® reveals that 39 percent of middle-class Americans own some form of permanent life insurance coverage. And among those who don’t own a permanent life policy, one in four say they are likely to purchase this type of coverage in the future.

“After years of following the popular pitch to ‘buy term and invest the difference,’ consumers are now seeing how a market downturn can threaten a seemingly sound financial strategy,” said Scott Spiker, CEO of First Command Financial Services, Inc. “These numbers support findings by others in the industry who note that Americans are turning to permanent life coverage as a time-tested tool for managing long-term risk.”

The most popular permanent insurance product is whole life, which is owned by 26 percent of middle-class families. Other permanent life products held by survey respondents include universal life and variable life, which are owned by 10 percent and 4 percent, respectively.

Term life insurance remains the go-to product for many consumers. Term policies are owned by 45 percent of middle-class families. Interestingly people who own term life policies feel less comfortable with their coverage than those who own whole life and other permanent products. The survey reveals a 5-point gap between those who feel “extremely” or “very” comfortable with their permanent life insurance coverage (49 percent) and those who feel the same way about their term life insurance coverage (44 percent). Also, consumer satisfaction levels are highest for whole life (60 percent), followed by term (55 percent), universal life (53 percent) and variable life (50 percent).

“We are not surprised to see that whole life is associated with high consumer satisfaction,” Spiker said. “This seemingly old-fashioned product remains popular because of its long-term value, flexibility and stability. The guarantees offered by these policies make it an especially appealing choice during the uncertainties of the current economic crisis.”

At SAV-ON Insurance Agencies, we have an experienced agent who is an expert in life insurance, whether it be term, permanent life or long-term care insurance. Call Steve today at 1-888-867-2866 and find out what's available for you!

Source: Business Wire