Category Archives: General Information
Mature Driver discount
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Medicare Advantage Plan Information, December 3
Tuesday, December 3, 2019
Learn more about the SCAN health plan, a Medicare Advantage plan
9:30am Scripps AMP
9898 Genesee Avenue, La Jolla, CA
Call Mike to reserve a space!
Not in the Garage and Mentor Reading
What Not to Store in the Garage
Skis. Bikes. Sports balls of all sorts. A lawnmower. Old toys.
It’s easy for a garage to turn into a catchall storage unit. For most items that’s fine, but some things simply don’t belong in a garage, and they can even become a home hazard without proper storage protection. This list of common red-flag items can help identify what doesn’t belong in the garage.
- Extra fuel. Stashing portable gas cans and propane tanks in the garage can be dangerous: Highly flammable fuel poses a leaking risk. If you store any fuel in the garage, do so only in dedicated, leak-proof containers out of the reach of children and pets and away from potential sources of ignition such as water heaters or power tools. A shed away from your home is a better storage spot.
- Paint or home-improvement chemicals. Some liquids, such as latex, freeze at the same temperature as water. Others may need a temperature-controlled environment. Check the manufacturer’s directions for guidance.
- Furniture. Unless your garage is climate-controlled, its interior is subject to wild swings in heat and humidity. This, in turn, can warp wood, and pests such as rodents may root (and ruin) upholstery, fabric or mattresses. If the garage offers your only option for furniture storage, find a clean, dry spot that’s elevated off the floor. Then thoroughly clean and take apart furniture before wrapping or covering.
- Clothing. A better spot for out-of-season clothing is a sealed container in an attic, basement or the back of a closet. In a garage, clothing may soak up fumes and dust and be at risk of insect or pest damage.
- Food. This means any food — food for birds, for pets and for humans. Perishable items are far too tempting for rodents and vermin, and canned food may spoil more quickly in temperature extremes. And think twice about that extra fridge in an unheated and un-air-conditioned garage: The appliance may struggle to operate efficiently as temperatures fluctuate.
- Anything fragile or valuable. Photographs, artwork and electronics: These are just a few of the items that need the stability of climate control so expensive or delicate elements aren’t damaged. Remember: If you couldn’t bear to see it lost or destroyed, then it probably shouldn’t be in the garage.
Items safe to keep in the garage:
- Lawn care tools and equipment
- Gardening supplies
- Plastic storage bins (rather than cardboard boxes)
- Hoses (after draining)
- Sports equipment
- Cars, of course
Change a Life: Why Mentor Reading Works
Access, socioeconomic level, ability: There are many contributing factors that may lead a child to struggle with reading, but any lag in this essential skill for younger children has far-reaching consequences. Take high school graduation. If a child isn’t a reader by the end of third grade, they are far less likely to receive a diploma, according to the National Research Council. And recent tests by the National Assessment of Educational Progress found that nearly 1 out of every 3 fourth graders struggles with literacy skills.
But there’s good news and an immediate way to make a positive impact for kids: mentor reading. Studies show that adult involvement improves not only reading skills and enjoyment but also attitudes about school, participation in extracurricular activities, outlook on the future and, in the end, a child’s chance of continuing education. Ready to make a difference in your own home and for other children? Try these ideas:
- Boost a child’s ability
Literacy mentors — part coach, part cheerleader — can be found in schools and community organizations across the country. These volunteers’ one and only goal? Help children learn to love reading. How they accomplish that varies. Some may read (and be read to) for an hour a month with one child or a whole class. Some may complete formal training and commit to a weekly reading session that aligns with a specific curriculum.Your next step: Search an online volunteer database, such as NeighborhoodOfGood.com®, or contact your local school for connections to childhood community literacy programs.
- Boost a child’s access
You may have heard of the concept of a food desert: an economically challenged area in which residents have little or no access to fresh food. Some literacy experts have begun to use the idea of a book desert to characterize lack of access to reading materials for children. Their findings can be stark. In one recent study, a low-income neighborhood in Washington, D.C., had just 1 book for every 830 K–12 children. Reduced access may lead to literacy difficulties. If there are no books to check out from a library, no books to buy and no family resources for purchases, there may be an impact on interest and ability.Your next step: Struggling schools may not have a volunteer organization that can fund a book distribution plan — but you may be able to. Consider a book drive among friends, and work with literacy experts at a school to provide a book to every child in a classroom to take home as his or her own.
- Boost a school’s resources
School libraries continue to be affected by shrinking public school budgets: Nearly one-fourth of school libraries have had budgets cut by 40 percent since 2010. And 13 million students — 3.4 million of them in poverty and 6.6 million of them students of color — have less than 10 items per student of reading material. Exposing children to a range of writing and reading types can help improve language and interest in reading.Your next step: Volunteer to organize a book drive to benefit a school in need in your community. Work with your school district’s literacy staff to identify particular needs, and ask friends, neighbors and coworkers to donate.
How to Be Healthier, Happier and More Productive: It’s All in the Timing
By Daniel H. Pink
When is the best time to exercise or do creative work? Research on the science of timing has answers. You’re probably getting ready to make a few New Year’s resolutions, solemn promises to yourself to behave better in 2018. You might have pondered how you’re going to accomplish those goals, who could help you and why you need to change.
But if you’re like most people—and social science suggests that you and I are like most people—you’ve neglected a question that could help you actually stick to those resolutions: “When?”
We all know that timing matters. But most of our decisions on this front are intuitive and haphazard. Timing, we believe, is an art.
In fact, timing is really a science. For several decades, researchers in dozens of fields—from economics to anesthesiology to social psychology—have been unearthing the hidden science of timing. In randomized controlled experiments, field studies and the analysis of massive data sets, they are exploring questions that span the human experience. How do beginnings, midpoints and endings alter our actions and memories? How do groups synchronize in time? How do even the verb tenses we use affect our behavior? Time, they have discovered, shapes our productivity, health and well-being in powerful but often invisible ways.
Much of what we consider “natural” units of time—seconds, hours, weeks—are really fences that our ancestors constructed to corral time. But one unit remains beyond our control: We inhabit a planet that turns on its axis at a steady speed in a regular pattern, exposing us to consistent periods of light and dark. The day is perhaps the most important way that we divide, configure
and evaluate our time. By understanding the science of the day—and by giving more attention to the question of “when”—we can improve the effectiveness and success of our resolutions.
So how can we harness time to be healthier, happier and more productive? Resolution: Get a promotion, get a raise or otherwise do well at work. Each year, many of us vow to get more done at work and perhaps even make a few creative breakthroughs. Yet many of us don’t realize how much the time of day matters to our performance.
Scientists began measuring the effect of the time of day on human brain power more than a century ago, when the pioneering German psychologist Hermann Ebbinghaus conducted experiments showing that people learned and remembered strings of nonsense syllables more effectively in the morning than at night. Since then, researchers have continued that investigation for a range of mental pursuits. They’ve drawn three big conclusions.
First, our cognitive abilities don’t remain static over the course of a day. During the 16 or so hours we’re awake, they change—often in a regular, foreseeable manner. We are smarter, faster and more creative in some parts of the day than others.
Second, these daily fluctuations can be extreme. “The performance change between the daily high point and the daily low point can be equivalent to the effect on performance of drinking the legal limit of alcohol,” write Russell Foster, a neuroscientist and chronobiologist at the University of Oxford, and Leon Kreitzman in their book “Rhythms of Life.” Other research has shown that time of day effects can explain 20% of the variance in human performance on cognitive undertakings.
Third, how we do depends on what we’re doing. We’re more effective at some tasks early in the day and at other tasks later in the
day. From big data analyses of 500 million tweets to studies led by Nobel Prize-winning scientists, research has shown that we generally experience the day in three acts: a peak, a trough and a rebound. Most of us experience the pattern in that order. But the roughly one in five of us who have evening “chronotypes”—people who are night owls—tend to proceed in reverse order. (To
determine whether you’re an owl, consider a day when you don’t have to awaken to an alarm clock. What is the midpoint between the time you go to sleep and the time you wake up? If it’s 5:30 a.m. or later, you’re probably an owl.)
During the peak, our ability to focus is at its best. When we wake up, our body temperature slowly rises. That rising temperature gradually boosts our energy level and alertness—and that, in turn, enhances our executive functioning, our ability to concentrate and our powers of deduction. For most of us, these sharp minded analytic capacities crest in the late morning or around noon.
This is when we are most vigilant, when we can keep distractions from penetrating our cerebral gates. That makes the peak the best time to tackle work that requires heads down attention and analysis, such as writing a legal brief or auditing financial statements.
Vigilance, though, has its limits. Alertness and energy levels tend to plummet during the afternoons. And with that drop comes a corresponding fall in our ability to remain focused and constrain our inhibitions. This is the second stage: The trough, which usually occurs in the early to midafternoon.
The afternoon trough is the Bermuda Triangle of our days. The effects of the trough can be significant. In a 2016 study, Harvard University’s Francesca Gino and two Danish researchers examined four years of standardized test results for two million
students in Denmark and matched scores to the time of day the students took the test. They found that students randomly assigned to take the tests in the afternoon scored considerably lower than those who took the test in the morning—an effect equivalent to missing two weeks of school. The trough is an especially dangerous time for health-care professionals and their patients. In a study published in 2006 in Quality and Safety in Health Care, researchers at Duke Medical Center reviewed about 90,000 surgeries at the hospital and found that harmful anesthesia errors were three times more likely in procedures that began at 3 p.m. than at 8 a.m.
The afternoon trough is the Bermuda Triangle of our days—the place where effectiveness and good intentions disappear. This is the time to do your mindless administrative work, such as answering email, filing papers and filling out expense reports.
The third stage is the rebound, which for most of us occurs in the late afternoon and early evening. During this stage, we tend to excel at a different type of work. In 2011, two American psychologists, Mareike Weith and Rose Zacks, posed what are called “insight problems”—which require creative, rather than algorithmic, thinking and have nonobvious, surprising solutions—to 428 people, about half of whom were vigilant morning thinkers. These participants fared better on these problems not during their supposedly more optimal mornings but much later in the day—a phenomenon the researchers dubbed “the inspiration paradox.”
In the late afternoons and early evenings, most people are somewhat less vigilant than during the peak, but more alert and in a better mood than during the trough. That combination has advantages. A boosted mood leads to greater openness. A slight reduction in vigilance lets in a few distractions—but those distractions can help us spot connections that we might have missed when our filters were tighter. So we should move brainstorming sessions and other creative pursuits to the rebound stage. (Again, because night owls move through the day in the reverse order, their rebound period is the morning.)
The key is to seek what psychologists call the “synchrony effect”—to bring your own daily rhythms, your task (is it analytical, administrative or insight?) and your time (is it early, midday or later?) into alignment. Doing your analytic work during the rebound or your creative work during the trough is an ideal way to sabotage your resolutions.
Resolution: Get more exercise. It’s the most common New Year’s resolution. But when is the best time to hit the gym? Science has some answers, and most of them depend on the nature of our exercise goals.
Lose weight. When we first wake up, having not eaten for at least eight hours, our blood sugar is low. Since we need blood sugar to fuel a run, morning exercise will use the fat stored in our tissues to supply the energy we need. (When we exercise after eating, we use the energy from the food we’ve just consumed.) In many cases, morning exercise may burn 20% more fat than later, post-food
workouts.
Boost mood. Cardio workouts—swimming, running, even walking the dog—can elevate mood. When we exercise in the morning, we enjoy these effects all day. If you wait to exercise until the evening, you’ll end up sleeping through some of the good feelings. Keep a routine. Some studies suggest that we’re more likely to adhere to our workout routine when we do it in the morning. So if you find yourself struggling to stick with a plan, morning exercise, especially if you enlist a regular partner, can help you form a habit.
Exercise in the late afternoon or evening if you want to: Avoid injury. Studies have found that injuries are less common in workouts later in the day. Our body temperature reaches its high point in the late afternoon and early evening, and when our muscles are warm, they’re more elastic and less prone to injury.
Perform your best. In a 2015 study of 121 athletes, Elise Facer Childs and Ronald Brandstaetter of the University of Birmingham found that individual performance can vary by as much as 26% based solely on time of day—and that performance typically peaks between 10 and 12 hours after awakening. So working out in the afternoons can help you sprint faster and lift more. Lung function is highest this time of the day, so your circulation system can distribute more oxygen and nutrients. This is also the time of day when strength peaks, reaction time quickens, hand-eye coordination sharpens, and heart rate and blood pressure drop. In fact, a disproportionate number of athletic records, especially in speed events, are set in the late afternoon and early evening.
Enjoy the workout a bit more. People typically perceive that they’re exerting themselves a little less in the afternoon even if they’re doing exactly the same exercise routine as in the morning, according to the American Council on Exercise.
Resolution: Be happier and more productive. Ultimately, many of our New Year’s resolutions seek a broader sense of well-being. One powerful way to recast your daily routine is to take more breaks. Short breaks can help us to maintain focus and reactivate our commitment to a goal. And certain kinds of breaks are better than others.
Remember those Danish schoolchildren whose test scores sagged in the afternoon? When those students had a 20- to 30-minute break to eat, play and chat before the test, they actually scored higher than the morning test takers.
What’s the smartest approach to taking breaks? Frequent short breaks are more effective than occasional ones. The ideal break also involves movement. A 2016 study published in the International Journal of Behavioral Nutrition and Physical Activity showed that hourly five-minute walking breaks boosted energy levels, sharpened focus and “improved mood throughout the day and reduced feelings of fatigue in the late afternoon.” These “microbursts of activity,” as the researchers called them, were also more valuable than a
single 30-minute walking break. And regular short walking breaks increase motivation and concentration and enhance creativity, according to researchers at Stanford University.
Time alone can be replenishing, but research has found even more powerful effects when a break is spent with others. In high-stress occupations, such as nursing, social and collective rest breaks have been found to minimize physical strain, cut down on medical errors and even reduce staff turnover. Likewise, research in South Korean workplaces suggests that social breaks—talking with co-workers about something other than work—are the most useful in reducing stress and improving mood.
Nature breaks may replenish us the most. A 2011 study found that people who took a short walk outdoors returned feeling happier and more rested than people who walked indoors. What’s more, while people predicted they’d be happier being outside, they underestimated how much happier.
Finally, aim for full detachment. When we take a break, we often try to combine it with another cognitively demanding activity—checking our emails or talking to a colleague about a project deadline. That’s a mistake. Fully detached breaks have been found to ease stress and boost mood in a way that multitasking breaks do not. Another study from South Korea found that tech-free breaks increased vigor and reduced emotional exhaustion at work.
Perhaps the wisest thing you can do in the year ahead—after you’ve rearranged your work schedule to take advantage of the hidden pattern of the day and used your fitness goals to figure out your ideal exercise time—is to make a daily break list. Each day, alongside your columns of tasks to complete, meetings to attend and deadlines to hit, list the breaks you’re going to take. Then give it the same attention and reverence you devote to your to-do list. If one lesson rings out from the science of timing, it’s this: In 2018, we should give
ourselves a break.
This essay is adapted from Mr. Pink’s “When: The Scientific Secrets of Perfect Timing,”
which will be published on Jan. 9 by Riverhead Books
9 Vital Homeowner Maintenance Tips to Prevent Costly Damage & Losses
- Caulk where needed. | Caulk is cheap and can help keep moisture out of crevices to avoid water damage and mold. Caulk can help weatherize your home to keep cold air out in the winter and keep cool air in during the summer. Go through your house and look for any spots where the caulk could use an update, or a crevice could use some new caulking.
- Clean clothes dryer lint trap & exhaust duct. | A common cause of dryer fires is failure to do a thorough cleaning. Because a lint trap is not a foolproof method for catching all the fuzzy stuff from clothes, lint can gradually build up and catch fire in the heating element or exhaust duct. Between 2010-2014, U.S. fire departments responded to an estimated 15,970 home fires involving clothes dryers or washing machines each year, according to the National Fire Protection Association. These fires resulted in annual losses estimated at 13 deaths, 440 injuries, and $238 million in property damage
- Inspect & repair the roof. | Check you roof early for signs of wear or damage. Look for missing, damaged and aging shingles. If its age or an unresolved maintenance issue are to blame for your leaking roof, insurance likely won’t pay to repair the leak or the resulting damage.
- Test & clean the sump pump & pit. | Sump pumps are often found in basements, and are the last line of defense against floods, condensation build-up and water from drains. Water damage due to sewage and drain backups generally requires additional insurance coverage beyond a standard policy.
- Inspect & clean chimneys yearly. Unclean chimneys are a leading cause of structure fires, according to the National Fire Protection Association. From 2009-2013, chimneys resulted in $25 million in direct property damage each year. Improper cleaning can also lead to other serious issues including potential for carbon monoxide, fumes and possibly soot to enter home living spaces.
6 . Clean & maintain gutters and downspouts. | Clogged gutters can cause water to flow down the sides of the home and pool around its foundation, often leading to some major issues like uneven floors, cracks in walls and interior water damage. This type of claim, also known as seepage, is a maintenance issue and often is not covered under your home insurance policy.
- Check for termites every couple of years. | To prevent termites, get your home inspected by a professional periodically. Once the termites spread, they can cause some major structural damage, and that can cost thousands of dollars to treat and fix. Catch them early, and you can limit the damage.
- Regularly maintain pipes & plumbing. | Homeowners’ insurance does not cover pipe degradation due to old age or poor care. Look closely for cracks and leaks and have any necessary repairs made immediately. Also, know the location of the main water shut-off valve in your home. A damaged hose or a burst pipe can send water racing into your home. Being able to locate and shut off the main water supply quickly will save stress, money and time.
- Inspect your deck. | There’s been an increase in the number of decks that have collapsed, fallen apart or otherwise failed, according to the North American Deck and Railing Association. In most cases, simple upkeep could have prevented these incidents, which tend to happen when decks are packed with people.
5 Reasons Why Auto Accidents Are On the Rise
This was the first time since 2007 that more than 40,000 people died in motor vehicle crashes in a single year, according to the National Safety Council.
By Denny Jacob | March 02, 2017 at 07:01 PM
According to the National Safety Council, traffic deaths increased 6 percent to 40,200 — the first time since 2007 that more than 40,000 have died in motor vehicle crashes in a single year.
The 2016 total follows a 7 percent rise in 2015. Much of this is attributed to continued lower gasoline prices and an improving economy which has increased motor-vehicle mileage.
In addition, the U.S. Department of Transportation’s early estimates show the motor vehicle traffic fatalities for the first nine months of 2016 increased about 8 percent as compared to the motor vehicle traffic fatalities for the first nine months of 2015. Preliminary data reported by the Federal Highway Administration (FHWA) shows that vehicle miles traveled (VMT) in the first nine months of 2016 increased about 3 percent.
All 10 National Highway Traffic Safety Administration (NHTSA) regions experienced increases during the first nine months of 2016. In particular, the South, Southeast and Northeast saw motor vehicle traffic fatalities spike between 11 and 20 percent alone.
Here are 5 factors contributing to the increase in auto accident rates:
As the economy grows and gas and diesel remain cheap, drivers can expect heavy congestion and more cars on the road. (Photo: Shutterstock)
More cars on the road and miles driven today
Cheap gas and diesel, plus a stronger economy, has caused high road density with more cars on the road. The Department of Transportation’s Federal Highway Administration shows that driving jumped 3.5 percent over 2015, the largest uptick in more than a decade. Americans drove more than 3.15 trillion miles, equivalent to around 337 round trips from Earth to Pluto. The previous record, around 3 trillion miles, was set in 2007.
As drivers divert attention from the road to their phone, they create greater risks for themselves and everyone around them. (Photo: Shutterstock)
More distractions
Beyond texting and driving, from Bluetooth to Snapchat, approximately 660,000 drivers are attempting to use their phones while behind the wheel of an automobile. On top of that, we now have sensors and technologies that respond to our every move in vehicles. We have apps that connect to center consoles and more touch-screen technology in vehicles than ever before.
Along with their inexperience, millennial drivers are more likely to ignore the rules of the road, which can lead to more auto accidents overall. (Photo: Shutterstock)
Younger, more inexperienced drivers
A new study from AAA Foundation for Traffic Safety show that millennial drivers (more 19- to 39-year-old drivers) are texting, speeding and running red lights. They also think it’s OK to speed in school zones. While the statistics improve for older drivers, it’s not by much. From a commercial driver standpoint, the experience (or inexperience) of drivers can lead to more auto accidents overall.
The overall cost of car repair is more expensive as enhanced technology is required to ensure car functionality and optimization. (Photo: Shutterstock)
Cost of car repair more expensive
Think about your grandfather’s car. If the engine blew, you went to a mechanic who fixed the problem. Now, everything in a car is connected by a computer. If one fuse blows, it will likely have an impact on other parts of the vehicle. Yes, computers make it easier and quicker to fix, but overall costs tend to be higher, especially because cars on the road are much newer.
Ultimately, we pay for the technology (computers, advancements in bodywork, HVAC, etc.). To diagnose many computer issues and the dozens of sensors requires a scan tool that is capable of accessing the thousands of manufacturer-specific trouble codes and data streams. A good one can cost $7,000 alone.
The cost of medical care has increased as more than 35 percent of spinal cord injuries are caused by vehicle accidents. (Source: Shutterstock)
Injury costs from accidents on the rise
No surprise, the cost of medical care has increased, most of which are spinal and soft tissue injuries. According to the Mayo Clinic, more than 35 percent of spinal cord injuries are caused by vehicle accidents (truck, automobile, or motorcycle). Think about this — medical spending for spinal care per patient increased by 95 percent from $487 to $950 between 1999 to 2008, accounting for inflation.
But think about the full picture, which compounds the issue. You get whiplash (direct medical cost), have to stay home for a few weeks (loss of income) and get physical therapy (cost of post-injury medical care — according to one estimate, about 25 percent of whiplash injury patients end up suffering chronic pain). The costs can triple from an economic and quality-of-life perspective, costing the U.S. $2.7 billion per year.
Disaster Preparedness Tips for Homeowners
AUG 17, 2017 | BY PETER P. DUNCANSON
Disasters can strike with little or no warning, which means that adequate preparation is often the key to making it through one unharmed.
From having the necessary supplies on hand to making sure the entire household knows what steps to take in an emergency, proper planning isn’t necessarily difficult — but it’s important.
Improve your readiness with these easy-to-follow tips for disaster preparation in your home.
1. Create a family emergency plan
The midst of a disaster is no time to try and figure out how to react. Make preparations ahead of time so that everyone in your household knows what to do.
Here are the keys to putting together an effective family emergency plan:
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Know your risks. Depending on where you live, certain disaster risks will be more prevalent than others. How you should react will vary accordingly. Your preparedness plan should include a process for evacuating your home in advance of hurricanes, wildfires and other monitored risks, as well as what you would do if you need to shelter in place, like when a tornado is fast approaching.
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Secure your home. It can be hard to remember everything your house needs to stay protected during a storm. Make a list of all the areas you should inspect and secure before evacuating or sheltering in place, including your roof, windows, power and plumbing.
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Write it out. No matter what type of disasters you need to prepare for, document your plan and provide a copy to everyone in your household. Consider displaying your emergency plan where everyone can easily see it so that preparedness is always top of mind.
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Have a meeting spot. If you need to escape home quickly or find each other in the midst of a chaotic situation, make sure everyone knows where to go. Whether it’s a friend or family member’s house or a local storm shelter, everyone in your family should know where to meet if you get separated.
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Designate an outside contact. Have one person or family member who lives outside of your immediate area designated as the single point of contact in case you do get separated from your own family. Following a disaster, it may be easier to reach someone in an unaffected area. This person can help coordinate contact among the members of your household.
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Practice. Having a plan is only as good as your ability to use it. Conduct safety drills seasonally, especially if you have children, so that everyone can swing into action when it counts.
Often, the most dangerous phase of a disaster isn’t immediately when it hits — it’s during the aftermath. (Photo: Shutterstock)
2. Keep an emergency disaster kit
Often, the most dangerous phase of a disaster isn’t immediately when it hits — it’s during the aftermath. Losing access to essential supplies is a serious concern, so it’s important that you’re able to get by during the hours or days before things return to normal. Keep an emergency disaster kit stocked with all the necessities you’ll need to ensure the health, safety and comfort of your family.
Emergency kit basics include:
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Drinking water and nonperishable foods.
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First aid supplies.
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Prescriptions and other essential medicines.
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Flashlights and batteries.
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Spare clothing, blankets, shoes and outerwear.
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Important documents like passports and insurance information.
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If you have animals, include pet food and supplies.
Take advantage of today’s technology to improve your preparedness. (Photo: Shutterstock)
3. Use technology to stay connected and aware
Technology makes it easier than ever to stay aware of weather risks, coordinate with loved ones and stay safe in the event of an emergency. Take advantage of today’s tech to improve your preparedness:
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Sign up to receive emergency alerts on your smartphone. That way, you’re less likely to be caught off-guard by approaching danger.
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Stay connected to family members. Consider activating location-sharing on family smartphones to help keep track of each other during a disaster.
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Purchase a weather radio to keep in your emergency kit that can receive official warnings and notices if mobile networks get jammed. Remember: Opt for a battery- or solar-powered model or one that can be charged with a hand crank to ensure you have access information in the event of a power outage.
While disasters aren’t always predictable or preventable, there are things you can do to minimize the potential harm to you, your family and your home. Make sure your disaster preparedness checklist includes how to plan for emergencies, which essentials to stock up on, and how to use technology to stay plugged in throughout a disaster. Keep these tips in mind, and you’ll be well positioned to keep your household safe, even if the unexpected should occur.
California Fault Line Overdue for a Massive Earthquake
**GAME CHANGER**
By Associated Press
March 8, 2017
A Highway 14 overpass that collapsed onto Interstate 5 in the San Fernando Valley section of Los Angeles in 1994
SAN DIEGO — An earthquake fault running from San Diego Bay to Los Angeles is capable of producing a magnitude-7.4 earthquake that could affect some of the region’s most densely populated areas, according to a study released Tuesday.
The study looked at the Newport-Inglewood and Rose Canyon systems — previously thought to be separate — and concluded they actually form a continuous fault that runs underwater from San Diego Bay to Seal Beach in Orange County and on land through the Los Angeles basin.
The fault poses a significant hazard to coastal Southern California and Tijuana, Mexico, according to the study. It could produce up to a magnitude-7.3 quake if the offshore segments rupture and a magnitude-7.4 quake if the onshore segment also ruptures, according to the study by Scripps Institution of Oceanography at the University of California San Diego.
Even a moderate quake on the fault could have a major impact on the region, according to Valerie Sahakian, the study’s lead author. “This system is mostly offshore but never more than four miles from the San Diego, Orange County, and Los Angeles County coast,” Sahakian was quoted as saying in a press release from the American Geophysical Union.
The fault’s most recent major rupture occurred in 1933 in Long Beach and produced a magnitude-6.4 earthquake that killed 115 people.
The study looked at data from previous and new seismic surveys that included sonar studies of the offshore fault. Researchers looked at four segments of the fault that were offset — known as stepovers — and found the disconnections weren’t wide enough to prevent the entire offshore section of the fault from rupturing.
Researchers also looked at the onshore segment of the fault and concluded that there have been three to five ruptures in the past 11,000 years along the northern section and one quake about 400 years ago at the southern end.
Researchers at the Nevada Seismological Laboratory assisted with the study, which was funded by Southern California Edison. It was accepted for publication in the American Geophysical Union’s Journal of Geophysical Research.
You just got a moving violation ticket. Now what?
4 things to know regarding your auto insurance premium, according to insuranceQuotes
JUN 14, 2017 | BY DENNY JACOB, PROPERTYCASUALTY360
A moving violation can affect your premium for three to five years, so here’s what drivers should ask their insurance agents. (Photo: Shutterstock)
A moving violation ticket will leave a bitter taste in any driver’s mouth.
They will spike a driver’s auto insurance premium, and many come with hefty financial penalties. But depending on the violation or which state the driver is located, it could be an extremely burdensome on a driver’s wallet.
For the fourth consecutive year, insuranceQuotes commissioned a Quadrant Information Services study that found car insurance premiums can climb by as much as 96% after a single moving violation on average nationwide.
The study analyzed the average national premium increase for one moving violation in 21 different categories, including careless driving, reckless driving, driving under the influence and speeding. As in years past, the study found the economic impact on one’s insurance premium varies significantly among different types of violations and among different states.
Here are some of the study’s key findings along with some advice on what you can do after a moving violation to keep your rates as low as possible:
DUI/DWI produce the highest rate increases over the last four years while speeding 1-15 miles per hour over the limit produce the lowest rate increase. (Photo: insuranceQuotes)
Your premium increase will depend on the specific violation.
Take, for instance, the difference between reckless and careless driving.
According to Robert Nevo, a former Georgia police officer and current owner of Nevo Driving Academy, careless driving is usually defined as “a minor lapse in judgment,” such as following too closely to the vehicle in front of you. Reckless driving, however, concerns more “intentional acts,” such as driving in a way that shows no regard for the safety of others.
“Moving violations are typically weighted with a point system. This makes an excessive speeding violation much more severe than, say, a broken taillight violation,” said Nevo. “Insurance companies often see more points against a driver’s license as an increased risk. Therefore, you’re going to see higher premiums for that driver.”
Across the country, premium increases are directly affected by where the driver lives. (Photo: Shutterstock)
Your premium increase could be expensive.
Whether it’s a minor or major offense, your wallet will feel the toll.
According to the National Association of Insurance Commissioners (NAIC), the average annual U.S. auto insurance premium is $866. That means an 88% premium spike for one reckless driving offense will result in an increase of just more than $750 per year.
Even relatively “minor” infractions, such as following too close or not yielding to a pedestrian, can mean paying an average of $260 more per year for car insurance. Driving under the influence carries an expensive insurance penalty, with a single infraction resulting in an average premium spike of $1,086.
Across the 50 states, depending on the moving violation, premiums can increase by high percentages or very little. (Photo: Shutterstock)
It all depends on the state.
The impact on your auto insurance premium largely depends on where you live.
For instance, a first-time DUI conviction in North Carolina will result in an average premium increase of 298% (in Hawaii it’s 209%, 187% in California, and 165% in Michigan). Meanwhile, the same violation in Maryland will only result in an average premium increase of 21%.
Perhaps the starkest difference can be seen in a violation for failure to wear a seatbelt.
In North Carolina, just one ticket for this infraction will result in an average premium increase of 27% (22% in Oregon and 20% in Utah). Meanwhile, in 32 states this particular violation moves the premium needle by less than 5%, including seven states where it has no impact on the premium price at all.
While a moving violating will affect your premium, there are options drivers can discuss with insurance agents to save money. (Photo: Shutterstock)
You can still save money.
While your premium will be impacted for quite some time, the moving violation will eventually be erased from your driving record. How long you’ll feel the increased premium’s impact depends on the severity of the violation as well as the individual state laws. Here are some tips for the bumpy times ahead.
Seek forgiveness: If this your first moving violation, especially a minor one such as a failure to signal, talk to your auto insurer. They’re typically going to be somewhat forgiving for a small infraction. Take advantage of any driving classes your state might be offering to remove one or two moving violations from your record.
Make a deal: If your violation isn’t too severe, look for a plea bargain when your day at traffic court is due.
Shop around: Shopping for a new car insurance policy after receiving a traffic moving violation may also be a good idea, though it’s unlikely you’ll be able to hide the violation altogether.
Wait it out: Eventually, your driving record will go back to its original clean slate, but that could take anywhere between three to five years.