Money Saving Tips on Insurance
Insurance
protects individuals and families against financial loss caused by accidents, illness,
death, loss of personal property and loss of income. The following tips can help you save money
on auto, health, life, home/renters, and disability insurance:
- Contact at least 3 firms to compare rates; ask about discounts and special rates.
- Read sources of information such as Consumer Reports.
- Purchase more than one type of insurance from the same company.
- Don't smoke; take care of your health.
- Carefully consider before adding riders or floaters.
- Select a higher deductible.
- Have a good driving record; good grades.
- Insure all cars with the same company.
- Check your bills for mistakes.
- Decide how much life insurance you need.
- Make sure your life, health and disability policies are guaranteed renewable.
- Inquire about a discount for smoke detectors and burglar alarms.
- Stay well; accumulate your sick leave.
Other Insurance Shopping
Tips
Agent vs Broker? When
shopping for insurance, it is important to know the difference between
agents and brokers.
Agent: represents the
insurance company. An advantage is the insurance company must
honor everything the agent promises you. A disadvantage is the agent can help you on just one
company's policies.
Broker: sells a wide range
of products from many companies. An advantage is a broker
can help you compare many different policies and represents you, the consumer, not the interests
of the insurance company. A disadvantage is the insurance company is not bound by the
promises the broker makes to you.
A-Rated Companies
Only!
- Insurance companies are rated by independent rating services, such as Best's Insurance
Reports (available in most libraries).
- A rating of "A" or better (A+ or A++) indicates financial stability and that the company is
good on paying claims. Your insurance broker or state insurance commissioner can give you the
rating.
Licensing Is
Important
- Make sure your insurance company is licensed with the state. If it is, the insurance
commission can be helpful if a misunderstanding or dispute occurs between you and the
insurance company.
Source: Women's Financial Education Program Participant's Booklet, AARP,
1990
Caring for Athletic Uniforms Tips for A+
Appearance
When the ball's
in play, a clean uniform is the last thing on anyone's mind. But, once that final
whistle blows, those dirty uniforms come in from the field and off the court to confront their next
challenge: getting clean.
The best
cleaning method depends on the fiber content of the fabric, the type of soil and the
colorfastness of the dyes. Synthetic fibers, including nylon, polyester and spandex, are
commonly used to create fabrics that are washable at high temperatures. However, because the
dyes used for athletic uniforms are often water-soluble, fading or dye transfer during washing
may be a problem. To avoid this, read and follow instructions on garment care labels.
Frequently, a cold water wash is recommended because higher temperatures may cause the
colors to bleed. To prevent bleeding, it's also best to avoid soaking the items for long periods of
time. If a damp garment cannot be cleaned immediately, hang it to air dry.
Mud, grass and
perspiration are common enemies of clean athletic uniforms, warns The Soap and
Detergent Association. Before treating these stains, test the removal procedures in an
inconspicuous spot on the garment.
For mud
stains,
let the garment dry and then brush off as much of the mud as possible. Pretreat
with a pretreat product, a paste of granular detergent and water or a liquid laundry detergent.
For grass
stains, pretreat with a product containing enzymes. If the stains remain, launder with a
bleach that is safe for the fabric.
For
perspiration stains, apply a prewash stain remover or rub the affected area with bar soap. If
the fabric color has changed, treatment depends on the age of the stain. For fresh stains, apply
ammonia; for old stains, apply white vinegar. Rinse thoroughly, then launder. If the stains
remain, wash in a product containing enzymes or oxygen bleach.
Athletic
uniforms should be dried at a low temperature. A high temperature may cause shrinkage
and permanent wrinkling. When dry, remove items from the dryer and hang them up to help
prevent permanent wrinkling.
Source: Cleanliness Facts, September/October 1997.
Garage Refrigerators Need TLC Too!
The
refrigerator in the garage...how often does it come in handy? In the winter it's used for
storing foods that go on sale or as a space to temporarily house the extra dishes for holiday
get-togethers. In the summer, it's a way to keep kids from running in and out for soda on a hot,
humid day.
It's the change
in seasons that can be the hardest on your garage refrigerator, according to
Whirlpool consumer assistants. Some refrigerators are designed to operate properly at 55
degrees F or above. If you live in an area where temperature fluctuations are highly varied, it is
not recommended to place refrigerators in unheated garages.
If you do have
a garage refrigerator, the following tips may help extend its usefulness:
If the
appliance
has an anti-sweat switch (power saver/energy saver), it should be in the ON
position for reducing external moisture in the summer and OFF in the winter.
Check the
temperature in both compartments of your refrigerator as the seasons change to verify
accurate storage temperatures. Adjust controls as needed to maintain appropriate
temperatures.
Use a
high-quality thermometer to check the temperature of the food stored in your outside
refrigerator. Here's how to get an accurate reading:
Refrigerator compartment:
Put the thermometer in a glass of water on the middle shelf of the
refrigerator section. Leave the thermometer in the unopened refrigerator overnight. Read the
thermometer the next morning immediately after opening the refrigerator door the first time. The
recommended internal refrigerator temperature is 33 degrees F to 40 degrees F.
Freezer compartment:
Place the thermometer securely between two packages of firmly frozen
food items. Close the freezer door and wait 30 minutes. Recommended internal freezer
temperatures are -5 degrees F to 5 degrees F.
Garage Refrigerator Food Storage
Tips
Rotate food
stored in the garage refrigerator into your kitchen refrigerator as soon as space is
available. Use the "first in-first out" rule to ensure food is used in the order it was
purchased.
Food items
intended for long-term storage should be unopened foods that basically are better
served cold - generally foods that are purchased off the grocery shelf rather than from a
refrigerated grocery cabinet.
Leftovers or
extra party items should only be stored in the garage refrigerator temporarily (less
than two days).
Store delicate,
temperature-sensitive foods - like ice cream and meat - in your kitchen
refrigerator.
Cleaning and Maintenance: Hints and
Tips
If the gas
refrigerator is connected to a GFCI (ground fault circuit interrupter) protected circuit,
check it once a day to prevent food loss.
During humid
weather, check the exterior of the product for moisture. Dry it off if necessary.
Don't plug the
refrigerator into a circuit controlled by a wall switch. You could accidentally turn
off the lights and the refrigerator.
Always be sure
the receptacle is properly grounded to prevent electric shock hazard.
Follow all
installation guidelines in your use and care guide. Do not locate next to a heat source
and do not store flammables near your refrigerator or freezer.
Seasonal Tips
Summer conditions result
in increased energy consumption and increased maintenance. Warm
and humid: Limit the number of door openings, vacuum the coils. (Garages get dusty.)
Humid: Mildew growth
on gaskets is more likely. Clean and wash regularly. Use an auto paste
wax on painted, metal exterior surfaces to help prevent rust. Do not get wax on plastic.
Winter conditions result
in increased temperature fluctuations in food packages due to less
frequent product cycling in unheated garages. In some cases frozen food can begin to thaw when
garage temperatures are very cold. Check your use and care manual to determine the lowest safe
operating temperature for your specific product.
Source: Whirlpool TimeSmart Newsletter, Summer 1997.
| Herb | Documented Harmful
Effects |
| Aconite (e.g., bushi) | Numerous
poisonings
in China. |
| Arnica (wolf's bane, mountian
tobacco) | Fatal
poisonings reported with internal use: cardiac
toxicity. External use acceptable but rashes possible. |
| Belladonna (deadly
nightshade) | Contains
three toxic alkaloids, one of which is atropine. |
| Blue
cohosh (squaw root) | Potential for toxic effects on heart
muscle, intestinal spasm; labor
inducer. |
| Borage | May contain liver-toxic and
cancer
causing chemicals. |
| Broom (broom-tops, Irish
broom) | Contains
toxic alkaloids and tyramine. Danger of mold contamination in flowers. May slow heart
rhythm. |
| Calamus (sweet root/flag) | Types
containing
isoasarone are cancer-causing. |
|
Chaparral (creosote bush) | Responsible for at least 6 cases of
hepatitis, with 1 woman requiring a
liver transplant. |
| Coltsfoot | Contains liver-toxic,
cancer-causing chemicals. |
| Comfrey | Contains liver-toxic
chemical
linked to 7 causes of liver disease and 1 death. |
| Convallaria (lily of the
valley) | Organ
problems and cancer seen in animal studies. |
Ephedra (ephedrine, epitonon, ma
huang) | Contains toxic cardiac chemicals. |
| Germander | Stimulant that can
induce heart
palpitations, high blood pressure, stroke, psychosis,
etc. Several deaths and 800 adverse reports have been reported to FDA. Marketed as a folk
medicine for weight loss. Linked to 27 cases of liver inflammation and 1 death. |
| Jimson weed | Contains potentially
toxic
chemicals. |
| Jin bu
huan | Hepatitis reported in 7 cases, 3 children developed
respiratory depression with
bradycardia. |
| Laetrile | Tested and found
ineffective in
cancer therapy; can result in cyanide poisoning if
ingested. |
| Licorice | Used in excess, potential
for high
blood pressure, low potassium, and cardiac arrest. |
| Liferoot (golden senecio,
ragwort) | Can
induce liver disease and malignancies. |
| Lobelia (Indian or wild
tobacco) | Reports of
respiratory depression, rapid heartbeat, low blood
pressure, coma, convulsions, death. |
| Mandrake | Poisonous narcotic
similar to
belladonnna, a strong hallucinogen. |
| Mistletoe (iscador) | Although
research is
being done in other countries for its potential in cancer
chemotherapy, it is still considered highly toxic and not safe for normal
consumption. |
| Pau
d'Arco | Produces severe side effects at effective levels and
may interfere with blood clotting. |
| Pennyroyal | Oil is especially toxic.
Liver damage, convulsions, abortions, coma
and death
reported. |
| Periwinkle | Blood and liver toxic
effects:
contains some chemotherapy agents which need
physician dosing and monitoring. |
| Poke
root | Extremely toxic, deaths, gastroenteritis, low blood
pressure, and reduced respiration
reported. |
| Sassafras | Contains a carcinogen,
safrole,
banned by FDA for food use but sold in health food
stores. |
| Scullcap | Liver damage reports and
potential
for adulterations. |
Wormwood (madder, mug & ming
wort) | Convulsions, unconsciousness, extreme mind-altering
effects if not thujone-free. |
| Yohimbe | MAO inhibitor, which
can
increase blood pressure if certain foods are not avoided,
psychoses, paralysis, fatigue, kidney failure, death. |