Health Insurance

Usually, we think of mosquitoes as pesky nuisances, but the truth is that they can be both downright dangerous and helpful at the same time. Some of the most common illnesses caused by mosquitoes include dengue fever, malaria, West Nile virus, and Zika virus. 

Dengue is carried by mosquitoes in tropical and subtropical areas of the world and causes fever and flu-like symptoms. The most severe form of dengue fever causes excessive bleeding, a sudden drop in blood pressure, and death (“Dengue Fever” Mayo Clinic). 

Malaria is a disease caused by a parasite transferred to humans by infected mosquitoes that have deadly consequences. “In 2019, an estimated 229 million cases of malaria occurred worldwide and 409,000 people died” (“Malaria” CDC). Luckily for residents of the United States, a project begun In 1942 by the Office of Malaria Control in War Areas (predecessor of the CDC) was established to address the problem of malaria and other similar diseases. These efforts were so successful that in 1951, malaria was basically eliminated as a disease transmitted here in the United States, though about 2000 people are diagnosed with it each year who have recently traveled to areas where malaria is common (“Elimination of Malaria in the United States” CDC). 

Currently, West Nile virus (WNV) is the most prominent mosquito-borne disease in the continental U. S. There are currently no vaccines to prevent WNV. Most people who are infected do not show symptoms or feel sick, though about 20% of those infected develop a fever and other symptoms. Approximately 1 of every 150 people infected with WNV develop a serious illness which in some cases leads to death (“West Nile Virus” cdc.gov).

Worldwide, the virus most frequently spread to humans through mosquito bites is Zika. Most commonly found in tropical and subtropical areas, humans infected with Zika show no signs or symptoms. Those who do show symptoms typically experience mild fever, muscle pain, and/or rash, though in some cases victims experience brain or nervous system complications (“Zika Virus” Mayo Clinic). Another concern related to Zika virus involves women infected during pregnancy. Contraction of the Zika virus increases the likelihood of miscarriage for the mother as well as serious birth defects in infants including microcephaly (“Zika Virus” Mayo Clinic). 

So is there anything redeemable about this annoying, disease-carrying menace? As a matter of fact, yes! Mosquitoes are important pollinators, and in the case of a few rare plants, no other insect will suffice. And not all mosquitoes bite and not all of the time. “It’s only when a female mosquito lays eggs does she seek a blood meal for the protein. Males feed only on flower nectar and never bite” (National Wildlife Federation). 

Mosquitoes also serve as a food source for many animals including birds, dragonflies, turtles, bats, and more (National Wildlife Federation). 

So how do we let these annoying insects do their job without becoming their feast? For starters, we can decrease the population around our homes by eliminating standing water where they like to lay eggs (State of Connecticut Mosquito Management Program). We can also try to schedule our outdoor time when mosquitoes are less active. While there are a few species of mosquito that stay out all day, most are at their greatest activity around dawn and dusk (State of Connecticut). 

The most common mosquito deterrent people look to solve the pesky problem is a repellant. Those with ingredients such as DEET, picaridin, IR3535, or oil of lemon eucalyptus have been shown to be effective (State of Connecticut). Permethrin, a medication used to treat scabies and lice, is known to repel and kill mosquitoes and as an added bonus will also protect you from ticks (State of Connecticut). It is important if you use permethrin to be sure to apply it only to clothing. If it comes in contact with your skin, it is likely to cause burning and itching. It should also be kept away from pets (State of Connecticut).

At Waitte’s Insurance Agency, we want you to have a fun, healthy, happy summer. Give us a call when you are ready to discuss your unique insurance needs. 

"Dengue Fever" Mayo Clinic
"Elimination of Malaria in the United States" CDC
"Malaria" CDC
"Mosquito Control" Environmental Protection Agency
National Wildlife Federation
State of Connecticut Mosquito Management Program
"West Nile Virus" cdc.gov
"Zika Virus" Mayo Clinic

Outdoor fun and sunshine are things we are all taking advantage of and appreciating more than ever this year. Unfortunately, though spending time outdoors is good for our health, too much heat can be dangerous. One of the challenges we face regarding heat-related illnesses is that the symptoms can be difficult to recognize. 

Early signs of heat-related illness can include fatigue, nausea, headache, muscle cramps, weakness, confusion, and more (WebMd). Each person may respond differently, and these symptoms could be brushed off as general consequences of outdoor activity, especially for a person who is exercising. However, it is extremely important to recognize these symptoms as possible indicators of heat-related illness that, if left untreated, could cause serious complications.

The most dangerous heat-related illness is heat stroke, which occurs when the body is unable to control its temperature. “When heat stroke occurs, the body temperature can rise to 106° or higher within 10 to 15 minutes” (CDC). The body is unable to cool down because it is no longer able to produce sweat. Heatstroke requires immediate medical attention. “Untreated heatstroke can quickly damage your brain, heart, kidneys, and muscles. The damage worsens the longer treatment is delayed, increasing your risk of serious complications or death” (Mayo Clinic). 

Though not considered quite as dangerous as heat stroke, heat exhaustion can also require emergency treatment and has the potential to be deadly if ignored. While victims of heatstroke typically stop sweating, those experiencing heat exhaustion may continue to sweat (CDC). 

Regardless of whether a person is experiencing heat exhaustion or heat stroke, it is essential to seek immediate medical attention. While waiting for medical assistance, there are several steps you can take to assist the victim.

• Be sure to place the victim in the shade
• Drink frequent sips of cool water
• Use cold compresses or cold water to wash the victim’s head, neck, and face
• Remove unnecessary clothing including shoes and socks
• Stay with the victim until help arrives (CDC)

At Waitte’s Insurance Agency, we care about the health and well-being of our community. Give us a call when you are ready to discuss your unique insurance needs.

CDC
Mayo Clinic
WebMD

In 1736, Ben Franklin famously advised Americans that an ounce of prevention is worth a pound of cure. While Franklin was actually referring to fire prevention, his advice rings true for myriad other issues including contemporary concerns such as identity theft. 

While identity theft is not a new problem, the number of victims has recently exploded to nearly 1.4 million reports received by the Federal Trade Commission’s IdentityTheft.gov website in 2020 (Federal Trade Commission “New Data”). While it is commonly known that identity thieves make purchases in their victims’ names, they also open new credit card accounts, take out loans, and create accounts with vendors such as Venmo, PayPal, etc. (Federal Trade Commission). 

Identity thieves sometimes use victims’ information to receive health services. This results in bills that the victims have to spend time and/or money to clear up as well as compromising victims’ health records. They also may commit crimes under the name of the victim which frequently results in an arrest warrant in the victim’s name. 

Common indirect consequences for victims of identity theft include difficulty obtaining a loan or only qualifying for a higher interest rate on a loan, difficulty purchasing or renting a home, and problems at work including job loss or inability to qualify for a desired job as a result of complications related to the identity theft (Federal Trade Commission). While some victims are able to fully reclaim their identity in a few months, others continue to suffer financial consequences for years or even decades.

Not only must victims spend time and money trying to clear up the fallout from having their identity stolen, but there is also, unfortunately, a significant emotional cost. “Victims of identity theft will feel overwhelmed at times by the psychological pain of loss, helplessness, anger, isolation, betrayal, rage, and even embarrassment. This crime triggers deep fears regarding financial security, the safety of family members, and the ability to trust again” (Consumer Protection Division).

So how can you avoid becoming a victim? The following are some tips that can help you keep your identity safe:

• Shred expired credit cards and any documents with account information including account statements, receipts, and credit offers. If you do not own a shredder or have enough documents that a home shredder is impractical, most areas have local shredding services that will take care of your materials for a small fee. 
• Keep your social security card stored in a safe place and do not carry it with you. Only provide your social security number to trusted institutions and only when necessary.
• In addition to keeping your social security number private, also avoid sharing your birthdate and any other personal information such as bank account or credit card numbers when possible.
• Collect your mail in a timely manner and put your mail on hold when you are out of town.
• Create complex passwords that thieves will not be able to guess and avoid using the same password for multiple sites.
• Avoid using public wi-fi when possible. If you do use public wi-fi, use a virtual private network (VPN) to protect yourself from anyone who might otherwise be able to monitor your online activity (“Identity Theft” USA.gov).

If, in spite of your best efforts, you do end up becoming a victim, report the identity theft to the Federal Trade Commission online at IdentityTheft.gov or by calling 877-438-4338. You may also want to contact your local police department (“Identity Theft” USA.gov).

Consumer Protection Division

Federal Trade Commission "New Data Shows FTC Received 2.2 Million Fraud Reports from Consumers in 2020"

Federal Trade Commission "What to Know About Identity Theft"

"Identity Theft" USA.gov

Identity Theft Resource Center

Identity Theft Resource Center 2021 Survey Responses

You’ve prepared the soil and planted your garden, but now you may be faced with uninvited guests. Since deer are creatures of habit and a small number can do a great deal of damage, the quicker you act to deter them, the better. Thankfully, there are a lot of things you can try. 

There are many smells that may deter your local grazers including commercial deer repellents, blood meal, mothballs, fabric softener, decaying fish heads, and garlic (Better Homes and Gardens). Since different breeds and populations of deer have different tastes, you may need to do some experimenting to find what works best, and these methods may need to be reapplied after rain.

Some gardeners hang bars of strong-smelling soaps such as Irish Spring around their plants. Another option is to use a vegetable peeler and drop the soap shavings around low-growing plants. Benefits of the soap method include less frequent re-application (it lasts for about a month), it is not harmful to plants, and it can even decrease unwanted pests such as aphids which the soap dehydrates (Good Housekeeping). Irish Spring is not your only soap option, though you should avoid bars with coconut oil, which may actually attract deer (Good Housekeeping). 

Another option is making your own concoction out of ingredients such as milk, yogurt, eggs, cayenne pepper, garlic, or other strong-smelling substances. There are myriad recipes on the internet if you are interested in this method, the downside of which is obviously that you will be smelling the deterrent too. 

Luckily, there are some plants that deer, like to avoid that, may be more pleasant for the human nose. Lavender, marigolds, and fragrant herbs such as mint, oregano, or catnip can be good deterrents, though you may need to plant quite a few marigolds, and mint plants in the ground can become invasive. 

Hanging pie tins or aluminum cans from stakes, fences, or tree branches can be a great way to deter deer, as they reflect light and make noise, especially if there is a breeze. A similar idea is to install motion-activated sprinklers which tend to startle unsuspecting grazers.

When all else fails, there is also the option of a physical barrier. To keep deer out, you will need a fence that is fully enclosed and at least eight feet high. A shorter fence (six feet or so) may also work if it leans outward, making it more difficult for deer to jump. If you want to avoid a heavy-duty structure, you may opt for a durable fishing line. This method allows for a shorter fence (around three feet) and should include a second fence a few feet out from the first with some ties or other visible material on the lines for the deer to see for best results (Chicago Tribune). 

Whatever method you try, you will achieve the best results if you mix up your approach (unless your solution is the sturdy fence), as deer are likely to realize over time that what initially deterred them is not as undesirable as it at first seemed.

Better Homes and Gardens

Chicago Tribune

Good Housekeeping