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June 2010 Newsletter

June 2010 Newsletter

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Published by Craig Hummel
June 2010 Circle of Safety Newsletter (reupload)
June 2010 Circle of Safety Newsletter (reupload)

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Published by: Craig Hummel on Nov 06, 2010
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11/06/2010

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IN THIS ISSUE:
 
Natural DisasterPrecautions
Beware TouristTricksters
Are Credit Unions ForYou?
 
Bathroom Safety Tips
 
TakeGood Care of Your Summer Lawn
VACATION ALERT FORTOURIST TRICKSTERS
So you're busy planning your summervacation? Someone else is thinking aboutthat too – tourist tricksters. These are thepeople you encounter in airports, taxi linesand on the sidewalk, who want to takeadvantage of your unfamiliarity, especiallyabroad. Here's our list of tips and alerts:
Beware distraction crime. Someone,maybe a child, tries to distract youwhile an accomplice steals wallets orluggage. Ignore them and hold tight.
If you're being met at an airport, checkthe credentials of your driver to makesure they're who they say they are. If indoubt, don't go. Phone the hotel orparty you're visiting.
Similarly, only use taxis at official taxiranks. And always establish the farebefore you leave.
Change currency before you travel, orin banks or well-known bureaux dechange. Others may offer poor rates orterms loaded with hidden extras.
Avoid invitations to free events anddon’t accept free scratch cards (whichalways 'win'). They're timeshare lures.
Don’t buy off anyone on the street, nomatter how great a bargain it seems.Bottom line: Always be skeptical. Nevertake the word of someone ou don't know.
Squaring Up ToNature
We watch with a mixture of sympathy and trepidationwhen a natural disaster hits the headlines. Whether it'san earthquake, flood, wildfire, hurricane or tornado, mostof us have two things on our minds:
What can I do to help?
What would I do if this happened to me?The help side of the equation depends on the nature ofthe incident and you can usually get information on thisfrom major charities like the Red Cross.When it comes to protecting yourself against disaster,there are three issues you need to address: precaution,insurance and recovery.
Precaution
 You can't tame nature to prevent a disaster fromhappening but there are things you can do to minimizeboth the risks and the impact. Here's our Top Five list:1. Establish if you're in a risk zone for any of theseevents. Your city or county authorities can tell you.2. Using their guidance and online research, have afamily safety plan for what to do in emergency.3. Do anything you can now to reduce risks, fromclearing brush to securing structures.4. Buy and maintain a supply of the things you'll needfrom food through flashlights to sandbags.5. Be alert to warnings about imminent high risk events.
Insurance
 The recent big earthquakes in Haiti and Chile may haveprompted you to think about 'quake or other disasterinsurance. Cover for fire and storm damage is normallypart of a homeowners policy. For 'quakes and floods,cover is available in many areas but obviously thegreater the risk, the higher premiums may be. Somestates and even the Federal Government may providesupport towards cover for certain risks.
   N   N   N  e  e  e  w  w  w  s  s  s   a  a  a  n  n  n   d   d   d    T   T   T   i   i   i  p  p  p  s  s  s    t   t   t  o  o  o    M   M   M  a  a  a   k   k   k  e  e  e    Y   Y   Y  o  o  o  u  u  u  r  r  r    L   L   L   i   i   i   f   f   f  e  e  e    E   E   E  a  a  a  s  s  s   i   i   i  e  e  e  r  r  r , , ,    S   S   S  a  a  a   f   f   f  e  e  e  r  r  r   a  a  a  n  n  n   d   d   d    H   H   H  a  a  a  p  p  p  p  p  p   i   i   i  e  e  e  r  r  r 
   J   J   J  u  u  u  n  n  n  e  e  e    2   2   2   0   0   0   1   1   1   0   0   0 
 
’ ’ ’  
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AAAA 
142 Main St, Oakland, IA 51560, Phone: 712-482-6424
114 Broadway, Carson, IA 51525, Phone: 712-484-2240
 
Protecting Yourselffrom Natural Disasters
 
Why It's Worth Taking An
Interest 
In Credit Unions
Bah, humbug! You don’t have to be a Scrooge to be careful with yourmoney. Whether you're borrowing or saving, you owe it to yourself andyour family to be cautious about cash.That may be why, according to latest figures, membership and fundsare climbing at the 7,500-plus community- or work-based financialinstitutions we call credit unions (CUs).Many people think they're the same as banks, but they're not. For astart, they're owned by their members – mainly customers (savers andborrowers) – not by stockholders. So they don’t have to make a profit;and if they do have a surplus, it goes back to the members.This means that, on average, interest rates are higher than the banks'for savers, and lower for borrowers.
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Make Sure the Smallest Room is Also the Safest
It may be the smallest room in the house, but the bathroom is big ondanger, especially for the elderly and youngsters. There are water,electricity, sharp corners, internal locks and perhaps drugs, all lyingin wait for victims. But a few simple precautions will defeat them:
Keep a non-slip mat in the bath and shower (and on the bathroomfloor if it's polished or slippery)
Only plug in electrical items when you use them. Then removeand replace with plastic outlet protectors.
Keep all drugs under lock and key and always out of kids' reach.
Install grab bars beside the bath and inside shower enclosures.
Ensure towel rails are firmly fitted. Check them regularly
Fit door locks that can be opened from the outside in emergency.
Squaring up …
 
(from Page 1)
This would most likely fall underthe “riot and civil commotion”portion of your homeownerspolicy, regardless of whether ornot you have 'quake or otherspecial cover. A disaster isn’t thetrigger for the coverage; thelooting is. Talk to us about this.
Recovery
How quickly you start to get backto normal depends on the scaleof the incident and availability ofservices to help you.Obviously, if you're insured, youshould contact us or your insureras soon as possible, to file aclaim.We hope you have arrangedcover, but if you haven't you mayhave to draw on your own funds,or look to state or federal aid if aState of Emergency has beendeclared.There are private companiesspecializing in disaster recoveryand home restoration and, ofcourse, builders and contractorsfor structural and service repairs.It's a wise move to indentifythese people now as there wouldlikely be a long waiting list if theincident was widespread.
FEMA
 One of the best sources ofinformation on dealing with anatural disaster is the FederalEmergency ManagementAgency (FEMA).Despite some bad publicity afterKatrina, the agency offers lots ofinformation and assistance bothin preparation for and duringincidents.
To learn more about credit unions, visit: http://www.ncua.gov/ To find a CU in your area, go to: ttp://www.creditunion.coop/cu_locator/quickfind.php 
Credit unions have been around since the 1930s and there was a timewhen they were regarded as rather stuffy old-fashioned organizations,difficult to join and offering only limited services. That's no longer true.Virtually anyone can join a credit union, as long as they live or work inthe area where it's based (or work for an organization or industry thathas its own CU). And because of this relationship, they are seen verymuch as part of the communities they serve.Most of them offer the key services we expect to find at a bank – including savings and money market accounts and CDs; auto loansand mortgages; checking accounts and access to ATMs nationwideand even abroad. Many also issue their own credit cards, includingsome that offer points or rewards.One important way in which they are similar to banks is in protectingsavers' deposits. Bank deposits up to $250,000 are covered by theFederal Deposit Insurance Corporation (FDIC). With CUs, the NationalCredit Union Share Insurance Fund backs deposits to the same level.Credit unions may not be suitable for everyone, and we can't adviseyou on that. But at least now you know they're worth looking into!
 
 
Heat Stroke: A DangerousSummer Illness
Each year in the United Stateshundreds of people die of heatstroke and many more arehospitalized. Heat stroke is thenumber one summer illness andit’s completely preventable.Heat stroke occurs when yourinternal cooling system stopsworking and your bodytemperature rises. This canpotentially cause brain damage,damage to internal organs, andeven death.
Heat stroke can happen verysuddenly; often without othersymptoms.
If you or someoneyou know is experiencing thesymptoms of heat stroke don’tdelay: obtain medical careimmediately.
The primary treatment for heatexhaustion is replacement oflost fluids and salt.
Victimsshould move to a coolenvironment, lie flat or with feetraised slightly above head level,and sip a cool, slightly saltybeverage -- such as a salty sportsdrink or plain drinking water withsalt added (one level teaspoon ofsalt per quart of water).Turn downthe thermostat and open awindow. Warm humid air cancause mold and mildew to growunseen inside your home. Freshair and cooler temps can helpreduce this problem in mostareas.
Prevention is the key
The best defense against heatstroke and other heat relatedillnesses is prevention.Heat injuries can be preventedsimply by good hydration andcommon sense. Drink plenty offluids before and during exerciseor sports. Water is all you needfor moderate exercise in thesummer, but if you plan onexercising or playing sports formore than an hour a sports drinkwith electrolytes is best.Take care when spending timeoutdoors in the hot sun soeveryone has a great summer.
 
This month Hummel Insurance Services is sponsoring a TriviaContest and offering you a chance to win 5 Scratch-off LotteryTickets. Test your knowledge! Answer the question below and youcould be this month’s winner. The entry that comes closest to thecorrect answer to the following question will be the winner. If morethan one person has the exact answer, the winner will be the personwhose entry reached our office first. Write down your name andanswer, and then fax – 712-482-3218 -- or mail – PO Box 579,Oakland, IA 51560 this page -- or email your name and answer toinfo@hummelins.com--. Good luck!
Which famous US military leader and politician had a half-brother nicknamed Austin. And what was Austin’s real name? 
Your Name: _________________________________________ Address or Contact Details:______________________________  ____________________________________________________  ____________________________________________________ Your Answer:_________________________________________  ____________________________________________________  ____________________________________________________ 
WIN! WIN! WIN!WIN! WIN! WIN!WIN! WIN! WIN!WIN! WIN! WIN!
Tell Others About Us and Win a Prize
Who will be our next Client of the Month? Could it be
you
?Referrals are the lifeblood of any business, and there’s no bettersource than you, our clients.Just mention Hummel Insurance Services to a friend, relative, orcolleague and have them give us a call at 712-482-6424 or toll-free at800-482-6426. Don't forget to tell them to use your name, so we canenter you for our prize draw! Thank you in advance.
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