Monday, October 26, 2009

Much Ado About Flu - How to Protect Yourself Against All the Influenza Viruses Circulating this Year


When H1N1 first swept the nation this spring, hand sanitizer and face masks flew off drugstore shelves. In June, the World Health Organization labeled it a full-blown pandemic—not because H1N1 (also known as novel influenza A and commonly called swine flu) was so deadly, but because it spread so far so fast. Fortunately, most cases were mild and the panic died down, but experts warned that H1N1 would be back come flu season (roughly, November through April). They also cautioned that although H1N1 was grabbing all the headlines, the “regular” seasonal flu can be just as serious.

As this article went to press, over 450 cases of H1N1 have been fatal. But in an average year, far more people than that—about 36,000 Americans—die from the seasonal flu. “This is going to be a double-barreled flu season,” says William Schaffner, MD, professor of medicine in the Division of Infectious Diseases at Vanderbilt University School of Medicine in Nashville, Tennessee, and liaison representative to the CDC’s Advisory Committee on Immunization Practices. “We’re not sure how bad H1N1 will be, which is why it’s crucial to do everything we know lowers the risk of catching any kind of flu.”

Even though the H1N1 story is a changing one, there’s plenty that experts are certain of. Here’s what you need to know to stay healthy:

Will the seasonal flu vaccine also protect me from H1N1?
No, but don't skip it. Experts say it's more importatnt than ever to get the flu shot this fall; otherwise, you could be putting yourself at risk for both seasonal flu and H1N1. "Keeping the 'regular' flu to a minimum will make it easier to focus on H1N1 if it does it badly," says Robert Bettiker, MD, an assistant professor of medicine at Temple University School of Medicine in Philadelphia.


It's particularly important to get the seasonal vaccine if you're 50 or older, work in health care, are pregnant or have a weakened immune system or chronic condition (like heart disease or asthma). Kids 6 months to 18 years should also get the seasonal vaccine, as should anyone who's in close contact with a baby under 6 months.


Once the H1N1 vaccine becomes available, it will be offered separately. THe list of people who are urged to get it is similar to the one for the seasonal flu vaccine, with one notable expection: Older healthy people will fall to the bottom of the priority list for the H1N1 vaccine. (Children and adults ages 6 months to 24 years are considered more susceptible to this strain.)


Do I really need to keep reapplying hand santizer?
Yes, but alcohol-based hand sanitizer should be considered a backup for when a sink's nowhere in sight. It's better to wash with warm, soapy water as often as you can (particularly after you've touched germy things like a computer keyboard, phone, doorknobs or money). Part of what removes the germs is the physical action of rubbing your hands together, and with hand sanitizer, it's not as easy to do this for as long (or as thoroughly) as you should. Sudsing up the right way involves using lots of soap and warm water for at least 20 seconds (about the time it takes to sing "Happy Birthday"), and really getting between your fingers.


Another good idea: Skip the hugs, kisses, even handshakes hellow. The two major ways germs spread are through touch (you shake the hand of someone who's sick) and the air (someone sneezes or coughs and then you breathe in the germs).

If I get sick, how do I know if it's seasonal flu or H1N1?
The symptoms of both are almost identical - fever, headache, body aches, cough, sore throat - except that H1N1 seems to cause some digestive problems as well, says Anne Gershon, MD, president of the Infectious Disease Society of America and a professor at Columbia University in New York City.

If you have flu symptoms, call your doctor. Depending on your health history, she may simply advise you to rest up and stay hydrated. But some people (usually those at greatest risk for complications) may need testing to determine if it's really the flu and if so, what kind. Your doctor may also prescribe antiviral drugs (Tamiflu, Relenza, Symmetrel or Flumadine), which can help shorten the duration and reduce the severity of the flu by stopping the virus from reproducing in your body.

How long should I stay home from work or school?
Don't be a martyr; it's better to err on the side of caution. In fact, the CDC says anyone with flulike symptoms should stay home for seven days after symptoms start or until you've been symptom-free for 24 hours, whichever is longer.


DON'T BELIEVE IT
Three flu misconceptions to file under "myth" once and for all.

MYTH: You can get the flu from the flu vaccine
FACT: Experts say even some health care workers believe this one. The vaccine contains a killed virus, so it's impossible to get the flu from it. The only potential side effects are a slight fever and a sore arm from the injection. One reason people may thing they've gotten sick from the shot is that the virus can incubate for up to a week before you start showing symptoms. So if you were exposed to the flu right before you got vaccinated, it'll seem like the shot made you sick. Another possibility, says Dr. Bettiker, is that people often use "the flu" colloquially to mean a runny nose and fever, "and there are a ton of viruses that can cause that."

MYTH: The older you are, the greater your risk of developing complications from the flu.
FACT: When it comes to seasonal flu, that's still true, but so far H1N1 seems to be more dangerous for younger people. Experts say this may be beacause they lack the immunity that older people (born in the 1950s and earlier) developed when they were exposed to a similar strain years ago. Another theory, says Dr. Bettiker, is that younger people have stronger immune systems, so they respond more vigorously to H1N1. That sounds beneficial, but if the immune system goes into overdrive, it causes inflammation, which can lead to swelling and fluid in the lungs.

MYTH: Never get the flu vaccine if you're sick.
FACT: Unless you have a fever higher than 101 Degrees, it's fine to get immunized, says Dr. Schaffner. (If your fever's higher than that, it's better to wait until you recover.)


Source: Women's Day





Thursday, October 22, 2009

Referral Rewards Program

The bulk of my business is based on word of mouth referrals. I truly value the business my clients send me so I’ve decided to institute a referral program as a thank you to all of you who trust me to help not only you, but your friends and family as well. Please read on for details of how to participate in this program...

Referral Rewards Program
Refer anyone to me for a consultation, including a quote, on their insurance from now until December 31, 2009 and receive the gift card(s) of your choice when they sign up for their coverage. I will contact you after I have been in touch with your referral to find out where you prefer to receive your gift card(s) from. Your reward will be sent to you when the referral’s policy goes into effect. Rewards are as follows:



Stand-Alone Policies:
Renters Insurance: $5
Auto Insurance: $10
Business Insurance: $15
Home Insurance: $15


Combo Policies:
Auto & Renters: $20
Auto & Home: $30



The “rules” are as follows:
1. Referral must mention your name when they make the initial phone call/email. (I will ask them to send me an email following any live conversation so I have the info for my files).
2. Referred must contact me by December 31, 2009.
3. Gift card will not be issued unless/until referral signs up with me for coverage.



Contact me today if there is anyone you’d like me to reach out to:
262.751.3140 or justinstaebler@zingenbraun.com



Monday, October 12, 2009

Holiday Travel Tips


The holidays are everyone's favorite time to travel. While this can make the experience more harrowing, some simple planning can make your holiday journey more enjoyable:
  • It is easier to get travel and accommodation reservations if you book early. With some airlines and hotels, early booking may even qualify you for a discount.

  • Plan to arrive at the airport or station at least two hours early. The holiday season means everyone is traveling, which means traffic jams and long lines; giving yourself this margin will pay off in reduced stress, and may mean the difference between a missed flight and one caught in plenty of time.

  • Travel light. Taking public transportation or trying to hail a cab is very difficult at the best of times when lugging around heavy suitcases; holiday crowds increase the difficulty.
    Carry essentials, including an ample supply of any medications you use, in your hand luggage. You never know when your luggage will be delayed or otherwise separated from you; it may take several days before you are reunited with your belongings.

  • Check your departure time with airlines or other services before heading out. Departures and arrivals are often delayed during the holiday season. If you are being met at the airport or train station, remind those meeting you to confirm arrival times. Travel is frequently delayed during the holidays.

  • Keep copies of your travel information in a safe place. It is wise to have copies with you in case the originals are lost. The holiday season means that most offices function on a skeleton staff, so replacements may take more time than you have. Also, do not forget to carry photo identification with you; a driver's license as well as a passport may sometimes avoid unnecessary delays.

  • Do not carry wrapped gifts in carry-on luggage, as gifts may need to be inspected at security check points and in some instances they will be unwrapped. Either check gifts or leave them unwrapped and accessible.

  • Call the airline for flight status before leaving for the airport.

  • Follow the airline's rules for carry-on baggage. When planes are full (as they generally are during holiday seasons), airlines will insist that extra carry-on luggage or oversized bags be checked.

  • Put address tags both on the outside and the inside of all baggage; external tags could get torn off during baggage handling.

  • Secure advance seat assignments to insure you are sitting with your family on the plane.

  • If carrying with oversized items such as golf clubs, skis, or snowboards, check with the airline ahead of time regarding their requirements. Make sure that they are securely padded and packed before you get to the airport.
Don't drive to the airport; roads are usually congested during the holidays. Ideally, have a friend or relative drop you off; otherwise, take public transport, a shuttle, or a taxi.

Source: http://www.weather.com/activities/travel/vacationplanner/destination/tips/traveltips_holiday.html

NOTICE: Your Policy Will be Impacted by Recent Changes to WI Insurance Laws

Wisconsin insurance laws have changed and will have an impact on many auto, motorcycle and umbrella policyholders. The policy changes will take place this month and are as follows. Please feel free to contact me with any questions you may have.

Auto and Motorcycle

· Effective Nov. 1, 2009 the lowest bodily injury limits will be 50,000/100,000 and 15,000 for property damage. The lowest Combined Single Limit (CSL) will be 300,000.


· Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverages will both be mandatory with minimum limits of 100,000/300,000. These coverages cannot be rejected. The new law allows stacking of the limits for up to three vehicles in the event of a loss.

· The minimum limit for Medical Payments will be $10,000, but this coverage is optional and may be rejected. If you wish to reject the Medical Payments Coverage, you may do so by contacting your insurance agent.

· For policy renewals with a renewal effective date on or after Nov. 1, where the existing policy limits are below the minimum limits, your insurance company will increase the policy limits to those new minimum limits as described above. This will include insureds that previously rejected UM, UIM and/or Medical Payments coverages. Rates will be adjusted accordingly. Insureds with a liability CSL less than the new required limits will be changed to 50/100/15. Insureds with a UM or UIM CSL less than the new minimum limits will be increased to 300,000 CSL.

Umbrella

· Effective Nov. 1, 2009, companies will offer Excess Uninsured Motorist and Excess Underinsured Motorist coverage on their personal umbrella policies. These are two separate coverages and may be accepted or rejected separately. If coverage is selected for both Uninsured Motorist and Underinsured Motorist coverage, the limits must match.

· Existing policyholders that already have Excess UM/UIM coverage on their policy at the $1,000,000 policy limit will have the coverage changed to $500,000 pervehicle. All other existing policyholders will have $300,000 per vehicle added to their policy. If you do not wish to have the coverage or want to change the amount, you will be directed to contact your agent to sign the appropriate form. The new law allows stacking of the limits for up to three vehicles in the event of a loss.


· For all companies, the underlying auto/motorcycle UM and UIM coverage must be at least $250,000/$500,000 or $300,000 CSL. If you have any less coverage on the underlying auto/motorcycle, you will face a gap in coverage should a loss occur and a claim is presented on the umbrella.

If you have any questions, please contact me at 262.781.4000 or justinstaebler@zingenbraun.com

Create a Home Inventory with this Checklist!

Appliances
Washing Machine & Dryer
Air Conditioner
Heaters
Stove & Range
Dishwasher
Vacuum Cleaner
Fans
Microwave Oven
Refrigerator & Freezer

Kitchen
Dishes
Silverware
Glasses
Electrical Appliances
Pots & Pans
Table & Chairs

Dining Room
China
Mirrors
Dining Table & Chairs
Glassware

Living Room
Sofas
Tables
Chairs
Clocks
Lamps
Bookcases & Content
Desk & Accessories
Curtains & Blinds
Rugs & Carpets
Pictures & Decorations

Bedroom
Linens
Blankets
Lamps
Bed & Headboard
Box Spring & Mattress
Chests & Dressers

Closet
Clothing
Shoes
Outerwear
Accessories

Audiovisual Equipment
Televisions
Computers
DVD Players
Media Storage
Telephones
Stereos
CD Players
CDs, DVDs
Musical Instruments
Cameras & Equipment

Other Items
_________________________
_________________________
_________________________
_________________________

Time to De-Clutter


There’s a lot going on this fall, but organizing the most cluttered rooms in your home will help you and your family stay on track throughout the upcoming school year.

Office
1) Organize your mail and take action against identity theft by shredding items once you’re finished with them
2) Apply chalkboard paint to one wall to create an interactive to-do list
3) Purchase an ottoman or side table with built in storage to house family board games
4) Store important files (including home inventory) digitally on a password-protected USB drive safely away from home

Mudroom
1) Assign each child a specific area to store coats, backpacks and shoes
2) Install hooks and cabinets at appropriate heights for each child
3) Keep sporting equipment in mesh bags in order to see contents clearly
4) Store potentially dangerous objects such as umbrellas or baseball bats out of reach

Closet
1) Designate closet sections for each type of clothing: skirts, button-down shirts, pants, etc.
2) Install cubicles to store shoes, handbags and foldable clothing
3) Double hang clothing rods to increase space for short garments
4) Donate any clothing you haven’t worn in a year to your favorite charity
5) Store off-season clothing under your bed in canvas bins on wheels or antique storage trunks


Source: Family Circle, October 1, 2009 Issue