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What You Need to Know About Tick Prevention for Dogs and Cats

- Monday, March 06, 2023
Lallis & Higgins Insurance - Tick Prevention for Dogs & Cats

Warm weather has arrived. For many of us, that means spending happy hours outdoors hiking, running, and walking in the woods. It also means watching out for ticks.

Even if you remember to wear insect repellent and regularly check yourself, it's easy to forget that your pets are vulnerable to these sneaky critters, too.

Ticks prefer moist, wooded, and shady hiding places, such as tall grass, brush, and shrubs, and they can lurk in nonwild places, too, like your backyard. In order to survive, they feed on the blood of humans and animals.

After a tick bite, your cat or dog could develop a serious illness, such as Lyme disease (which can cause symptoms such as an abnormal gait or stance, fever, lethargy, and enlarged lymph nodes); cytauxzoonosis (a parasitic infection, specific to cats, that can cause difficulty breathing, fever, loss of appetite, jaundice, coma, and death); skin irritation or infection at the site of the wound; and other complications. That's according to the American Society for the Prevention of Cruelty to Animals (ASPCA).

There isn't a one-size-fits-all approach to protecting your pets from ticks, but there are ways to minimize the danger. (If your pet does get Lyme, treatment usually involves several weeks of antibiotics.)

Here are three strategies to help keep your dog or cat tick-free.

Check Your Pet Daily

If you live in or are visiting an area that's particularly vulnerable to ticks (check with the Centers for Disease Control and Prevention's website if you're not sure), one of your best defenses is to inspect your pet daily, says Lori Bierbrier, D.V.M., a veterinarian and medical director of the Community Medicine program at the ASPCA.

"Just having the tick walking on your pet is not dangerous," she says, "it's when the tick attaches and feeds for a long period of time, over a day or two—that's when parasites can be transmitted."

Pets with longer hair or fur may be particularly likely to pick up a tick, says Martine Hartogensis, D.V.M., deputy director of the Office of Surveillance and Compliance in the Food and Drug Administration's Center for Veterinary Medicine. Longer hair provides the critters with more surface area to latch onto and more places to hide.

If you have a dog, dedicate a few minutes each day to brushing or combing his or her fur, and run your hands through it.

Cats are vulnerable, too, though typically less so than dogs, says Hartogensis, because they are regular groomers. But you should still give yours a daily once-over, especially if he or she likes to play outdoors. Starting at the head, run your fingers like a comb over the cat's entire body.

Ticks prefer dark, moist places, so for both cats and dogs, make sure to inspect under their tail and around the anus, belly, face, ears, groin, "armpits," and between the toes. If your pet is particularly squirmy, you may need a partner to help hold your pet steady. Remove any attached ticks with fine-tipped tweezers.

Tickproof Your Yard

"If your only method of tick prevention is just checking the dog," Hartogensis says, that's not enough. You'll need to do more.

Minor adjustments to your yard, such as keeping tall grass and weeds trimmed, clearing leaf piles, and making a tick trap by using a "bait box" can make a big difference in keeping tick populations down. Several approved pesticides are available, though they come with risk, so it's best to first try to tickproof your yard without chemicals.

A fence around your yard that effectively keeps out wildlife that can spread ticks, such as deer, may also help.

Consider Medications

There are several products approved by the Environmental Protection Agency and the FDA, including topicals (which go on the pet, such as in its fur or in a collar), oral medications, and a Lyme vaccine for dogs—but there are pros and cons associated with each. (Consumer Reports has not tested these products.)

Topicals. These substances (such as fipronil, permethrin, pyrethroids, and amitraz) come in the form of medicated dusts, collars, sprays, shampoos, and other topical treatments. They kill ticks via direct contact with the animal's fur or skin. One topical product, permethrin, is toxic to cats, but small quantities are considered safe for dogs.

Several decades ago, Consumer Reports urged the FDA to remove DDVP, a pesticide found in some flea collars and no-pest strips, from the market entirely, says CR senior scientist Michael Hansen, Ph.D. But you can still find it in many products. Though it's not an ingredient in many of the more widely used tick medications for pets, such as Advantage II, Frontline Plus, K9 Advantix II, and Revolution, you should make sure to read labels carefully if you want to avoid it.

With some of these pesticides, Hansen warns, "there could be some transfer to kids who have a lot of contact with their pets."

According to a 2012 statement from the American Academy of Pediatrics, the evidence about whether childhood exposure to low levels of pesticides can be harmful is still emerging. But some data suggest that such exposure may be associated with cognitive and behavioral problems, as well as pediatric cancers.

Oral medications. These drugs—such as afoxolaner (NexGard) and fluralaner (Bravecto)—kill ticks via contact with your pet's blood. "The tick is still going to bite," Bierbrier says, and that bite could lead to a skin infection, but the tick "will be killed before it can transmit any of the disease-causing organisms."

Vaccine. The Lyme vaccine for dogs appears to be safe, but experts aren't yet sold on its effectiveness. And it's best when paired with another product, says Thomas Mather, Ph.D., of the University of Rhode Island.

Part of the problem is that many dogs, especially in high-tick areas, have already been exposed to Lyme—often without showing any symptoms—and data suggest that the vaccine works best on dogs who haven't been exposed. Your dog should be tested for Lyme disease before receiving the vaccine.

Reactions to the shot can include hives, itchiness, and facial and injection-site swelling. Vets typically administer it only to dogs in high-risk areas or if their owners ask for it.

Remember: Whichever products you choose to protect your pets from ticks, be sure to follow all the instructions about the species and size of animal the product is meant for. Don't use items meant for dogs on cats, for instance, and don't use items meant for adult animals on puppies or kittens. Don't use any products meant for humans on your pets, either.

It's best to rely on an EPA- or FDA-approved product. There's little evidence that homemade remedies, such as essential oil mixtures, will provide reliable protection, and there's a chance that a homemade anti-tick concoction could harm your pet.


Tips on Buying a New Home

- Tuesday, February 28, 2023
Lallis & Higgins Insurance

Once you first begin considering when and how to buy a house, you’ll likely get all sorts of advice — some helpful, some not so much. And while it can be a long process, buying a home is exhilarating, rewarding and a big commitment. Before taking the plunge, use this checklist as a guide to buy a house — and ensure you’re prepared for the various steps in the home buying process.

1. Understand what you can afford.

How much money do you need to buy a house? That’s the first question you’ll want to consider, especially if you’re buying a home for the first time. Before you start house hunting, you need to determine how much you can afford. Consider your income and existing monthly expenses.

There are several home mortgage calculators online that can help you figure out what you might be able to afford. Keep in mind that you will want to budget for not only the mortgage but also for new budget items that go along with owning a home, such as insurance, possible homeowner association (HOA) fees, taxes, landscaping and yardwork costs, utilities, repair costs, etc.

2. Find an agent that fits your personality.

You might think of this as an optional step on your buying a house checklist, but obtaining professional help can make the process of buying your home much easier. A real estate agent will be able to answer questions you may have, point out things to look for in the homes, help you make an offer and negotiate with the sellers on a price.

In addition, real estate agents are often more knowledgeable about the market value of other homes in the neighborhood and are aware of certain properties that may not be advertised to the public. If a bank or financial institution lists a new home, real estate agents are often the first to be informed, which can give you an advantage when finding a property before other buyers are aware that it's on the market.

3. Be picky but realistic.

No house is perfect. Focus on the things that are most important to you, and let the minor ones go. Try to visualize yourself in the home for the long haul.

When you begin shopping around for a home, the furniture, beautiful artwork and fresh towels in a home can easily make you fall in love with the style of the place or current owners. Try to look beyond this and focus on what is most important: the bare bones of the home itself. Try to envision the rooms without furniture to determine how spacious (or lacking in space) the property is. Examine the countertops, floors and walls for defects that staging may have camouflaged.

4. Factor in all your costs.

Your mortgage payment is only the beginning. You also need to factor in closing costs, property tax, and Home Owners Association (HOA) and homeowner's insurance. Not to mention basic upkeep.

If you are a first-time home buyer, there are a number of grants and programs available to help you find the right funding to purchase a home. Each state has different programs and first-time home buyer incentives to assist you with the buying process. Incentives can include qualifying for reduced interest rates if you meet income and property limits, assistance with down payment and closing costs, and a reduction in potential federal income tax liability.

You may also want to consider applying for an FHA loan, which is easier to qualify for if you have a lower credit score. An FHA loan generally requires a smaller down payment of 3.5 percent to obtain maximum financing.

5. Leave emotions at the door (and try to improve your credit score).

Don't get discouraged if you lose out on the first or second house, or if the seller won't come down in price.

Your credit score will influence whether you're approved for a home loan and how much you'll end up paying in interest. This is one of the steps to buying a house that can save you thousands of dollars over the years. You want a score of at least 700.

6. Practice your poker face and get pre-approved for a home loan.

Don't show the seller's agent all your cards if you've fallen in love with a house. Hang back and prepare to negotiate.

One of the many mistakes that home buyers make is failing to get approved for a home loan before shopping around. This can make it easy to fall in love with a property that you may not be able to afford. Most sellers are leery of accepting an offer if a buyer isn’t pre-approved. They also may not want to wait for the buyer to get approved for the loan and can end up accepting someone else's offer in the process. To avoid this, meet with a lender before you start looking to get your financial questions answered and get the pre-approval documentation all lined up.

Your mortgage interest rate will have a major impact on the total price you pay for your home, so it's important to shop around for the right mortgage lender. Different lenders will have different offers on loan terms, interest rates and fees. Talk with several before you start looking for a home so you can get the best deal.

7. Get an inspection.

You'll want to hire your own inspector if you're considering purchasing a home and making an offer. Although the seller may hire an inspector to look at the electrical components and the structure of the home, the results of the inspection can still be influenced by the fact that the inspector is working for the seller.

This makes it important for you to hire your own inspector to ensure that nothing is overlooked during the process. If the results include mold that was discovered in the basement or a roof that needs to be replaced, for example, this may impact your negotiations with the seller on price.

8. Think long-term.

Is this your starter or forever home? Asking these questions can dictate the type of property you purchase, as well as the mortgage terms that suit you best.

One of the most important tips for buying a house is to research neighborhoods before you buy. You may fall in love with a home that has all of the features that you're looking for, but the location can detract from the value and pose a future problem. Research the crime rate in the area. Visit the neighborhood at various times of the day to determine how safe it is and how comfortable you feel at night.

When visiting, listen to how much noise is in the area. The property may be in a location that is loud only during the day but is quieter at night. Check to see whether the homes in the neighborhood are well-maintained, because those other homes will impact the value of your house over time.

Determine how close nearby schools, banks and grocery stores are, as this will influence how much time you spend on the road commuting or running errands throughout the week. Check into the value of the homes in the neighborhood and their recent sale prices. Look for properties that are similar in size and condition to the one that you're interested in purchasing to compare the value.

Source: araglegal


What to Know About Property Tax

- Friday, February 24, 2023
Lallis & Higgins Insurance - Property Tax

With the housing market booming, you may have recently purchased your first home and are curious about what you should know about property taxes.

What is property tax?

Property tax is a tax paid on real estate or other types of properties you own. It’s also a type of ad valorem tax, meaning this tax is based on the assessed value of the property. Generally, property tax is based on the location of the property and assessed value of the property.

Property tax is typically assessed and collected by state and local governments on an annual basis. They can vary significantly within a state and even between neighboring counties.

Key Takeaways

How is property tax calculated? Property tax is determined by multiplying the assessed value of your property by the basic levy rate, which is a percentage set by the municipal tax authority. In some cases special assessments are also included in the total property taxes assessed.

Why do we have property taxes? Property taxes are local taxes that fund local government programs and help pay for services and projects that benefit your community.

What is the difference between property taxes and. real estate taxes? Used interchangeably but they aren’t the same. Real estate tax is a type of property tax – not all property taxes are real estate taxes. Real estate taxes are assessed on real property like your home and other property taxes like personal property taxes are assessed on tangible and movable property you own like vehicles.

How is Property Tax Calculated?

Property tax is typically calculated by multiplying the value of the property by the basic levy rate:

Assessed Value x Levy Rate = Property Tax

For example, if the assessed value of your home is $200,000 and your county levy rate is 2% then your property tax would be $4,000 ($200,000 x .02 = $4,000). Your property tax bill is typically paid annually to your tax assessor or it can be split monthly and paid with your mortgage payment. Your lender will then send the property tax you paid with your mortgage payment to your tax collector.

What is the Assessed Value of Property?

The assessed value of your property is not to be confused with the price you paid for your home or the price you could sell it for – those are considered the “appraised value” or “market value”. The assessed value of your property is given by the local government’s tax or property tax assessor. This assessed value is typically lower than the market value of the property. This works in your favor since your property tax will then be based on that lower value.

Finding out the assessed value of your property is fairly straightforward. It should be stated on your most recent property tax bill or you can perform a quick search for your property on your property tax collector or tax assessor website.

What is a Levy or Tax Rate?

The levy or tax rates are set by local governments and authorities and will vary depending on where the property is located. Property tax rates can vary significantly within a state and between neighboring towns can be subject to different rates.

It’s possible that your levy or tax rate is expressed as a “millage rate” instead of being expressed as a percentage. Simply stated one “mill” is equal to one-thousandth of a dollar. So if your local property tax rate is 10 mills then you would pay $10 for every $1,000 of the property’s assessed value. So if your home has an assessed value of $200,000 at 10 mills, you would be taxed $2,000 ($200,000 x .010 = $2,000). Sometimes taxing authorities only tax a portion of the assessed value rather than the whole thing to help reduce the tax bill.

It’s important to note that these property tax rates are not permanent and can change. Keep up to date on your county or city’s property tax rate and assessments to avoid a surprising tax bill.

Why Do We Have Property Taxes?

Property taxes are used to fund many services and initiatives that impact everyday life. Property taxes finance local government programs such as police officers, fire fighters, libraries, road maintenance, community pools, and community activities. These services and projects provided by property taxes benefit the community where you live.

What is the difference Between Personal Property Tax and Real Estate Tax?

The terms property taxes and real estate taxes are often used interchangeably. However, while it is true that real estate tax is a type of property tax – not all property taxes are real estate taxes.

Real estate taxes are only on real property like your home or rental property but personal property taxes are levied on movable personal property like vehicles. Businesses are also required to pay property taxes on personal property they own or lease like machinery, fixtures, office furniture, and equipment.

How Do I Pay Property Taxes?

There are typically two ways that people pay their property tax bill:

Once the tax bill arrives (annually or every 6 months) you go online and make a payment or pay via check.

Monthly when paying your mortgage, if you have an impound account and your lender sets aside the money you pay for property taxes in an escrow account to pay the property tax bill. Think of the escrow account as a savings for when the property tax bill arrives.

What if I Don’t Pay My Property Taxes?

Not paying your property taxes can result in the taxing authority placing a tax lien against your property. A tax lien is a legal claim against the property or other financial assets that you own. A tax lien does not take possession of your property but if you were to sell the property, the local government could be entitled to some or all of the proceeds from the sale of the property or asset to cover unpaid property taxes

How Do I Deduct Property Taxes on My Tax Return?

If you can itemize your deductions (instead of taking a standard deduction) you can deduct up to $10,000 ($5,000 if you are married filing separately) in combined property taxes and either state and local income taxes or sales taxes on your tax return.

turbotax.intuit.com


Prevent Carbon Monoxide Exposure

- Monday, February 13, 2023
  • Do have your heating system, water heater and any other gas, oil, or coal burning appliances serviced by a qualified technician every year.
  • Do install a battery-operated or battery back-up CO detector in your home. Check or replace the battery when you change the time on your clocks each spring and fall. If the detector sounds, leave your home immediately and call 911.
  • Do seek prompt medical help if you suspect CO poisoning and are feeling dizzy, light-headed, or nauseated.
  • Don’t use a generator, charcoal grill, camp stove, or other gasoline or charcoal-burning device inside your home, basement, or garage or near a window.
  • Don’t run a car or truck inside a garage attached to your house, even if you leave the door open.
  • Don’t burn anything in a stove or fireplace that isn’t vented.
  • Don’t heat your house with a gas oven.
  • Don’t use a generator, pressure washer, or any gasoline-powered engine less than 20 feet from any window, door, or vent. Use an extension cord that is more than 20 feet long to keep the generator at a safe distance.

cdc.gov


Fireplace Safety Tips

- Tuesday, February 07, 2023
Lallis and Higgins Insurance

Nothing quite creates a winter holiday ambiance as well as a log in the fireplace and family gathered around to bask in its warmth and glow. Of course, playing with or near fire is dangerous for children, so please remember these tips from the AAP before you light your hearth.

  • If possible, keep a window cracked open while the fire is burning.
  • Be certain the damper or flue is open before starting a fire. Keeping the damper or flue open until the fire is out will draw smoke out of the house. The damper can be checked by looking up into the chimney with a flashlight or mirror. Do not close the damper until the embers have completely stopped burning.
  • Use dry and well-aged wood. Wet or green wood causes more smoke and contributes to soot buildup in the chimney. Dried wood burns with less smoke and burns more evenly,
  • Smaller pieces of wood placed on a grate burn faster and produce less smoke.
  • Clean out ashes from previous fires. Levels of ash at the base of the fireplace should be kept to 1 inch or less because a thicker layer restricts the air supply to logs, resulting in more smoke.
  • The chimney should be checked annually by a professional.
  • Even if the chimney is not due for cleaning, it is important to check for animal nests or other blockages that could prevent smoke from escaping.
  • Minimize your child's chance of burns from the hot glass front of some fireplaces, including gas fireplaces. Safety screens can be installed to reduce the risk of burns.
  • Make sure the area around the fireplace is clear of anything that is potentially flammable (ie: furniture, drapes, newspapers, books, etc.). If these items get too close to the fireplace, they could catch fire.
  • Never leave a fire in the fireplace unattended. Make sure it is completely out before going to bed or leaving the house. If you leave the room while the fire is burning or the fireplace is still hot, take your small child with you.
  • Put fireplace tools and accessories out of a young child's reach. Also, remove any lighters and matches.
  • Install both smoke and carbon monoxide detectors. Test them monthly and change the batteries at least once a year.
  • Keep a fire extinguisher on hand.
  • Talk with children as early as possible the dangers of fires and the heat coming from them.

Source: healthychildren.org


Sub Pump Overflow and Groundwater Damage

- Monday, January 30, 2023
Lallis & Higgins Insurance

Sub Pump overflow and groundwater damage can be serious issues for homeowners. A sub pump is a device that is installed underground to pump water out of a basement or crawl space to prevent flooding. However, if the pump malfunctions or becomes clogged, it can cause water to overflow, leading to damage to the home and its contents.

Groundwater damage can occur when the water table rises and enters the home through the foundation or basement walls. This can also lead to mold growth, structural damage, and other issues.

Both of these issues can be covered by homeowners insurance. However, it is important to check the specific details of your policy to see what is covered and what is not. In some cases, additional endorsements or riders may be needed to ensure full coverage for these types of damages.

It is also important to take preventative measures to reduce the risk of sub pump overflow and groundwater damage. This can include regularly maintaining and inspecting the pump, installing a battery backup system, and ensuring proper grading and drainage around the home.

Overall, it is important for homeowners to be aware of the potential for sub pump overflow and groundwater damage, and to take steps to protect their home and belongings through proper maintenance and insurance coverage.

For more information, contact Lallis & Higgins Insurance.


Organization Tips, Here Are Our Top 12

- Wednesday, January 25, 2023
Lallis and Higgins Insurance - Home Organization

1. Start in one place

If you have several areas in your home you want to get under control, start with just one. You decide which one to start with — is it the area that gives you the biggest headache, or the area that guests to your home most easily see? Whatever your priorities, select one area and stick to it. Many attempts at organization fail when the task of cleaning up the entire house seems daunting and folks give up. When you complete one area, celebrate and then move on to the next.

2. Allow plenty of time

Don't expect organization to happen overnight. Depending on the area to be organized, schedule a couple of hours each day to work on getting the area organized. Getting a garage whipped into shape will take more time than it takes to organize a linen closet.

3. Clean house

Once you've selected an area, go through the contents. Donate or hold a garage sale for anything you don't or can't wear or use any more. Use the two year rule of thumb — if you haven't worn it in two years, it's time to say goodbye to it. These items take up valuable space and probably won't be missed.

4. Take inventory

After you've removed extraneous items, take a look at what remains. Does it belong here? Does it make sense to keep it here? Is there another place where you've got more room to keep it, or another area where it would be more easily accessible for its purpose? For example, take that professional-grade mixer that you've been keeping in the back of your closet and move it to the kitchen. When it's time to tackle that area of the home, you can incorporate the mixer into the new storage plan for the kitchen.

5. Look for wasted space

If you're in need of more storage space, think creatively about additional areas that you can put to work. Prime examples include over doors and underneath beds. These areas are valuable real estate in your home and are often overlooked.

6. Maximize vertical space

If you don't have a lot of room to work with, a surefire way to instantly create more space is to go "up." Instead of only having a couple of shelves to house your kitchen items, take them up to the ceiling to really maximize the vertical space — you'll store the things you need less frequently on the higher shelves.

7. Divide the space

By adding additional shelves to a single shelf, or by using containers that stack atop one another, you can divide the vertical space and make efficient use of the area you have to work with. By dividing the space, you eliminate the possibility of stacking tall piles of clothing, papers or other items that are destined to topple over.

8. Keep it moving

Consider storage options on wheels: to allow for greater flexibility and to help keep the clutter under control. Carts can hold an assortment of accessories in a small amount of space, and can be wheeled back into a closet or storage area when not in use.

9. Organize with color

Whether you're working to organize the family room or striving to get your home office under control, use color to enhance your efforts. Assign each child a different colored container to keep his or her belongings in and keep them responsible for cleaning up after themselves. Organize projects, bills and other important papers by function and color in your home office.

10. Visibility

The three rules to organization are visibility, accessibility and flexibility. Choose containers that are either transparent or that you can easily label to help immediately identify the contents and save valuable time.

11. Accessibility

Make sure that the items you need most often are the easiest to access. Likewise, place the items you don't need to get to as often on a higher shelf or in another area.

12. Flexibility

Select a storage system that can adapt to your changing needs. That way, you can reconfigure and reuse solutions to solve a variety of storage and organization problems.

Source: containerstore.com


How to Renew Your Car Insurance

- Tuesday, January 17, 2023
Lallis & Higgins Insurance

Most car insurance policies have a policy period lasting either six or 12 months, depending on the length the company offers and for which you signed up. The last day your policy is effective is called the expiration date, and at that point, you can renew your policy.

Most auto insurance companies offer automatic renewals, meaning that if you wish to continue coverage, simply take no action to stop the renewal and continue making your payments. If you are enrolled in autopay, the insurer will take your scheduled payment via the method on file (your credit card, checking, savings or debit information). As long as you are in good standing, your car insurance company is likely to automatically offer you a policy for the next term. This is convenient for many, as it is low-hassle; it's not necessary to fill out any more paperwork or take any action to ensure that they remain covered.

Typically, about a month before your policy’s expiration date, your insurance provider will contact you with your renewal offer, with the same limits and parameters of the policy that you previously enjoyed. This message will contain your new policy documents: the new effective dates, the new declarations page and ID cards, and your new car insurance premium. Making your regular payment signals the insurer to automatically renew your policy and continue covering you. The possible danger in automatic renewals is that car insurance premiums can increase without you noticing, even if there is no change in coverage or driving history. It’s important to read the terms of the renewal offer carefully before the new policy begins.

What happens if I don’t renew my policy and my coverage lapses?

  • If you begin your new coverage any time after the expiration date of the previous policy, there will be a lapse in coverage. You want to avoid a lapse in insurance coverage for several reasons:
  • You are unprotected throughout the lapse period.
  • A lapse in coverage can lead to higher premiums down the line.
  • New insurance companies might offer discounts for continuous coverage over a certain length of time; if you lapse, you will not be eligible for this discount.

If your insurance provider does not automatically renew your policy and you let your policy expire before purchasing another, you will also experience a lapse in coverage. From the day your policy expires to the effective date of a new policy, you will not be covered and should not drive your vehicle. If you decide you want to renew your previous policy after all, your insurance agent may be able to reinstate your policy, though you may be subject to a penalty fee. If reinstatement is not an option, it’s time to shop for car insurance online.

For more information, contact Lallis & Higgins Insurance.

Source: thezebra.com


Winter Auto Safety

- Monday, January 09, 2023
Lallis & Higgins Insurance

Changes You May Notice

Tires

As the outside temperature drops, so does tire inflation pressure. Make sure each tire is filled to the vehicle manufacturer’s recommended inflation pressure, which is in your owner’s manual and on a label located on the driver's side door frame. Do not inflate your tires to the pressure listed on the tire itself. That number is the maximum pressure the tire can hold, not the recommended pressure for your vehicle.

Some other tips:

  • Inspect your tires at least once a month and before long road trips.
  • It’s best to check the tires when they’re cold, meaning that they have not been driven on for at least three hours.
  • Check each tire’s age. Some vehicle manufacturers recommend replacing tires every six years regardless of use.
  • An inspection is not just about checking tire pressure and age. Remember to check:
  • for any damage or conditions that may need attention;
  • the tread and sidewalls for any cuts, punctures, bulges, scrapes, cracks, or bumps. The tread should be at least 2/32 of an inch or greater on all tires; and your spare tire.
  • If you find tire damage, take your vehicle to a tire service professional.

Consider installing snow tires, but before buying new tires, visit NHTSA’s Tires page to review tire safety ratings. The Uniform Tire Quality Grading System (UTQGS) lets you compare tire treadwear, traction performance, and temperature resistance.

Car Seats

Side by side of children in car seat, one in puffy coat, one not.In colder weather, parents typically dress their children in winter coats. But it’s important to know that heavy coats can interfere with the proper harness fit on a child in a car seat. When your child will be secured in a car seat, pick thin, warm layers, and place blankets or coats around your child after the harness is snug and secure for extra warmth.

Also, make sure car seats and booster seats are properly installed and that any children riding with you are in the right seat for their ages and sizes. See NHTSA’s child passenger safety recommendations to find the right seat for your child’s age and size. You can visit NHTSA’s Child Car Seat Inspection Station Locator to find a free car seat inspection site near you, or to get information on virtual inspections.

Batteries

When the temperature drops, so does battery power. In cold weather, gasoline and diesel engines take more battery power to start, and electric and hybrid-electric vehicles’ driving range can be reduced. Have a mechanic check your battery, charging system, belts, and for any other needed repairs or replacements.

Safety Technologies

Familiarize yourself with the safety technologies on your vehicle and how they perform in wintry conditions. Know whether your vehicle has an antilock brake system and learn how to use it properly. Antilock brake systems prevent your wheels from locking up during braking. If you have antilock brakes, apply firm, continuous pressure to the brake pedal. If you don’t have antilock brakes, you may need to pump your brakes if you feel your wheels starting to lock up. For more information on driver assistance technologies, visit NHTSA.gov/DriverAssistTech.

Floor Mats

Due to slushy winter conditions, you might consider switching out your usual floor mats for thicker material or rubbery ones. Improperly installed floor mats in your vehicle could interfere with the operation of the accelerator or brake pedal, increasing the risk of a crash. Follow the manufacturer’s instructions for mat installation and use retention clips to secure the mats. Always use mats that are the correct size and fit for your vehicle.

Preparing Your Vehicle

Lights

Check your headlights, brake lights, turn signals, emergency flashers and interior lights. Be sure to also check your trailer brake lights and turn signals, if necessary.

Windshield Wipers

You can quickly go through a lot of windshield wiper fluid in a single snowstorm. Make sure your vehicle’s reservoir is full of high-quality “winter” fluid with de-icer before winter weather hits. Make sure defrosters and all windshield wipers work and replace any worn blades. Consider installing heavy-duty winter wipers if you live in an area that gets a lot of snow and ice.

Cooling System

Make sure you have enough coolant in your vehicle, and that it meets the manufacturer’s specifications. See your vehicle owner’s manual for recommendations. Check the cooling system for leaks, test the coolant, and drain or replace the old coolant.

You may also want to visit your mechanic for a tune-up and ask them to check for leaks, badly worn hoses, or other needed parts, repairs, and replacements.

Source: nhtsa.gov


Learn the Top 10 Tips for Mind and Body Wellness

- Tuesday, January 03, 2023
Lallis & Higgins Insurance  - Meditation

Do you find that balancing professional and personal excellence is like walking on the razor’s edge? Sometimes when we are consumed with succeeding at work, we tend to forget that we have a human body– that has certain requirements like rest and nourishment. When we are mentally and physically healthy, we are able to yield better results at work and outside of work. If that rings a bell somewhere, then here are 10 simple tips for mind and body wellness to help you have a healthy lifestyle:

1. Meditation

Striking a balance between the demands in life requires some tools, and meditation can be that one tool that makes a significant difference. It is one of the most powerful tools for restoring the balance in our lives. In meditation, you experience a deep state of restful awareness, in which your body and mind are resting deeply while your mind gains greater awareness.

Meditation is like the foundation of a building, giving you better footing, or the means to withstand greater challenges and pursue your goals. “If you want to build higher, you have to dig deep. The deeper and stronger the foundation, the higher the building”, says Bhanumathi Narasimhan, senior Sahaj Samadhi Meditation teacher who has been teaching meditation globally for 30+ years.

2. Healthy diet

The old adage, ‘You are what you eat,’ could be expanded to include, ‘You are how you eat and when you eat’. Keeping a food diary can give you a clear picture of all the ‘what, how, and when’ effects you. But even just thinking back to when you overate or missed a meal or grabbed something on the go, you may remember feeling dull, unclear, and less dynamic. Taking care of our body definitely contributes to our physical health but also our mental wellness.

Food is the primary fuel for our body which then affects the quality of our minds. When we eat fried foods, spicy foods, leftovers, high fat, and sugar-laden foods we not only experience various health issues but our minds also suffer. Giving attention to a healthy diet eaten on time in a relaxed manner is possibly one of the most overlooked ways of improving mind body wellness, immunity, and even our level of happiness.

3. Daily exercise

If you are not exercising daily you are probably noticing some lack of vitality, health issues, or possibly even premature aging. Everything from our complexion, ability to be mobile and flexible, as well as the quality of our sleep, are all connected to whether or not we have a regular exercise routine.

It is recommended to do thirty minutes of daily and appropriate exercise which can give you more energy, help you relax, and sleep better- even the quality of our mind improves with physical activity.

Exercise changes the levels of the "feel-good" hormones in your brain, such as serotonin, which brings your mood to the happier side. Exercise also removes inertia from the body as well as pent up energies. Daily practice of yoga contributes to mind-body wellness utilizing the power of your breath and awareness with the body. Try doing a few rounds of Sun Salutations to start your day and see your energy increase along with mental focus.

4. Restful sleep

Do you know how important sleep is for us? Doctors say, 7–9 hours of sleep each night maintains blood pressure, reduces cholesterol levels, and breaks the cycle of stress and counteracts its effects on our body, thus making us feel fresh and happy each day. After a good night’s sleep, energy levels are higher. Your mental awareness is more acute and you are likely to smile more. A good night’s sleep also makes us more productive.

5. Cultivate loving relationships

Connecting to people is as important as, or even more than to have a 24x7 Wi-Fi connection. It keeps us from feeling lonely and isolated and helps us deal more effectively with stress. Connections can happen even on the phone or a Zoom call, when meeting in person is not feasible. When possible, do things in a group. This can lead to an increase in dynamism and creativity and even benefit your performance at work. In fact, when the ‘I’ changes to ‘We’, then even illness changes to wellness!

With depression reaching higher and higher numbers across the globe, connection with others is paramount. Sometimes depression comes when we spend too much time thinking, ‘What about me?’ A couple of simple antidotes are to extend your hand to another person in need or do a random act of kindness for a stranger. For a bigger impact on depression and anxiety, learn SKY Breath Meditation which significantly decreases both clinical and non-clinical depression and anxiety. Participants have also noticed improved personal relationships.

6. Drinking plenty of water

Did you know that water can help burn fat and keep you healthy? And that 70% of our brain is made up of the same water that is so critical to our body's proper functioning? In fact, water also regulates the digestive processes and helps get rid of waste. Without water or enough of it, our bodies either function at a reduced capacity or sometimes parts simply stop working.

Definitely drink water when you’re thirsty and drink extra water when it is warm outside to keep you perfectly hydrated. While there are some differences of opinion, around eight to ten glasses of water every day is all we need to maintain the water requirement of our body. If you like, you can carry a fancy water bottle to add a dash of style!

7. Smile a little more

"A smile is a curve that sets everything straight." Did you know that smiling can release stress and tension from different parts of your face? It is like giving your facial muscles some exercise along with relaxation. Smiling also releases endorphins – a chemical in the brain that lifts your mood. Smiling slows the heart rate and relaxes the body. So when faced with problems you can reduce tension if you take a minute to smile. You might just find along with the tension leaving, a new perspective arrives.

8. Be generous

Just take a minute and reflect: which of these makes you happier: giving a gift or receiving a gift. It is always the joy of doing something for others that makes us feel uplifted. Just as a random act of kindness benefits the recipient, it also uplifts the giver.

The possibilities are endless, whether it is a small gesture or a large donation to a non-profit, random acts of kindness and charity, contribute to your physical, mental and even spiritual wellness. Consciously planning for ways to be generous is both worthwhile and needed.

9. Say no to drugs

There has never been a time when it was easier to gain access to both prescription and non-prescription drugs than in today’s world. Pain medications unfortunately often come with builtin addiction risks. And recreational drugs have so many negative effects, from lung damage to brain damage.

10. Save time for fun

Having fun may not be the first thing that comes to mind when you think of mind and body wellness, but fun can be a big influencer when it comes to healthy living. If we don’t take time for fun then stress could have an even bigger impact on our life. Having fun helps us balance work and home, and also recharges us in ways no other self-care tool can. So take a break and meditate, then do something playful, surprising, and FUN! Your mind and body will thank you!

Source: artofliving.org



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