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On May 21st, the inaugural Red Nose Day will be held to raise money and awareness for young people living in poverty. Money raised from this event will go to the Red Nose Day Fund and be distributed through grants to charities benefiting people in the United States and across the world.
There will also be a televised event the evening of May 21st. To learn more about how you can participate, visit https://www.rednoseday.org or to donate directly visit https://donatenow.networkforgood.org/rednosedayfund
In the past, we’ve touched on the question “How Much Life Insurance Do You Need?”. The old school rule of thumb was that it should be somewhere between five to 10 times your salary, but it really does depend on a few factors including:
– How much salary will you be replacing at home?
– Would the amount of the life insurance lead to enough interest to live on?
– What are the ages of your dependents?
To read the full article “Do You Really Need 10X Your Salary in Life Insurance” visit LifeHappens (http://www.lifehappens.org/blog/do-you-really-need-10x-your-salary-in-life-insurance/) and for all of your life insurance needs, contact TMIB.
Family vacations and spontaneous road trips can be a lot of fun! However, before you pack up the car and hit the road, be aware that speeding laws can differ in each of the 50 states. Thankfully, MSN put together a breakdown of the speeding laws from state to state.
To see the full breakdown read MSN’s “50 States of Speeding: Laws for Every State in the U.S.” (http://a.msn.com/08/en-us/AA9szB6) and for any automobile insurance questions, contact TMIB at 310-828-9662.
What once started out as Peanut Week in 1941 grew to an entire Peanut Month celebration in 1974. The month not only celebrates one of America’s favorite foods, but also George Washington Carver, who was dubbed “The Peanut Man”. Usually the textbook coverage on Carver ends there, but he lived a full and fascinating life of studying clays, seeds, and legumes.
To learn more about “The Peanut Man”, visit Biography’s “7 Facts on George Washington Carver” (http://www.biography.com/news/george-washington-carver-facts-national-peanut-month). For your insurance needs, be sure to contact TMIB.
Who wants some Pi?
On March 14th, 2015 the calendar will reach a fun once-in-a-century mathematical occurrence. Not only will the date read as the commonly known first five digits of Pi (3.1415), but at 9:26:53AM, it is actually the first ten digits of Pi – 3.141592653.
Be sure to keep that in mind on Saturday, March 14th and impress all of your friends. For more information about Pi Day, visit http://www.businessinsider.com/pi-day-2015-2014-3 and for information about your insurance, be sure to contact TMIB.
You might be surprised to learn that simple mistakes can increase your auto insurance premium or even worse, leave you responsible for costs in the event of an accident. MSN has put together a great list of “10 Horrible Decisions That Will Mess Up Your Car Insurance” http://a.msn.com/00/en-us/AA8YYP7. Being aware of these mistakes is the best way to avoid them.
If you have any questions on your auto insurance policy, call TMIB today.
On March 13th, McKinley School in Santa Monica will hold its annual Jogathon. The Jogathon proceeds help pay for updating the school’s technology, classroom supplies and various activities. For a complete breakdown of the event and how you can participate, please visit their event website at http://www.mckinleyevents.com.
If you would like to sign up or make a donation, you may do so by visiting http://www.signupgenius.com/go/20f0a45aeac283-jogathon1.
TMIB continues to be a proud supporter of the annual Jogathon.
Don’t forget to change your clocks! Daylight Saving Time (DST) begins March 8th at 2:00 am, so be sure to set all of your clocks forward one hour before you go to bed on Saturday.
While forgetting to set your clock for DST can be irksome and inconvenient, there are more dangerous factors associated with springing forward an hour.
According to a 2012 University of Georgia study, the days immediately following DST are associated with a 10% increase in the risk of having a heart attack. Furthermore, two studies from British Columbia found that losing just one hour of sleep can greatly reduce driver alertness.
As amazing as it may seem, losing just one hour of sleep can greatly affect your internal clock or “circadian rhythms”, leading to impaired judgment, diminished alertness, and insomnia.
Tegner-Miller Insurance Brokers has compiled some helpful and easy tips for coping with DST.
- Avoid caffeine. As difficult as it may be, try to limit your caffeine consumption in the days immediately following DST, by cutting back on your coffee/energy drink/stimulant of choice on groggy post-DST mornings, you will adjust to the time change more rapidly and decrease the negative effects.
- Be ready for dark morning commutes. After months of driving after sunrise, you should make sure that you are prepared for driving in the dark. Check that your headlights and tail lights are working. Additionally, wake up at least an hour before you plan on driving. Driving in the dark immediately after waking can greatly impair your ability to drive safely.
- Adjust your sleep cycle. The easiest way to avoid disrupting your circadian rhythms is to shift your sleep cycle during the week preceding DST. Begin going to bed 15-30 minutes earlier than usual the week before DST so that you can minimize your sleep disturbance.
While there are some dangers associated with DST, it’s not all doom and gloom. In fact, for many Angelinos, DST means the exact opposite: an extra hour to enjoy beautiful spring and summer afternoons and evenings. Whether you go for a run, enjoy an early evening barbecue, or take a sunset swim at the beach, you can greatly improve your mental and physical health by spending more time in the sun. The sun’s rays can reverse the depressive effects of Seasonal Affective Disorder (SAD) and provide much-needed Vitamin D. We at Tegner-Miller hope that you have a fun and sun-soaked spring! Don’t forget to use sunblock!
Lawyer Francis Scott Key wrote “The Star –Spangled Banner” in 1814 to commemorate the American victory against the British at the Battle of Baltimore. While detained on a British ship during the War of 1812, he was inspired to write the hymn after waking to find that the American flag still flew over Fort McHenry, signifying that the British had not captured Baltimore. While the National Anthem is now one of the most recognizable songs in the world, many facts about its composition and history are still little known. Below are some historical facts about the anthem.
1. The Original “Star-Spangled Banner”- The flag that flew over Fort McHenry on that August day in 1814 was made by Mary Young Pickersgill, a Baltimore flag-maker. The flag measured 30 feet by 42 feet and was sold to Fort McHenry for $405.90. That might not sound like a lot for such a massive flag, but consider that around the same period a cow cost about $10 in Maryland. The flag is on display at the Museum of American History, but you might notice something “off” about it: the flag is now 30 feet by 34 feet! This is not due to battle damage, but rather pieces of the flag cut off as mementos in the 19th century.
2. The Tune- When Key first wrote “The Defense of Fort M’Henry”, he intended for it to serve as an inspirational poem. However, his brother-in-law noticed that the lyrics fit the tune of a popular drinking song of the time – “The Anacreontic Song”. The tune stuck and the song quickly became popular across the country.
3. As National Anthem- While “The Star-Spangled Banner” was often played on July 4th and at baseball games, it did not become the national anthem of the United States until 1931. Before that time, the US had no national anthem!
Happy National Anthem Day from Tegner-Miller Insurance Brokers!
How well do you know the ins and outs of your insurance policies? Maybe not as well as you think. Even the smallest of policies may have some hidden benefits that will come in handy during a major crisis. From yard damage caused by falling trees to power outages that spoil all of the food in your refrigerator, you may be covered somewhere in your insurance policies.
To learn more about a few of these not so well known coverages, check out MSN’s “7 Perks Hiding in Your Insurance Policy” and if you are interested in reviewing your current insurance policies, contact TMIB and we would be happy to assist you.