Memorial Day

For thousands of years, it has been a custom of humans across cultures to honor those who have fallen in battle. “The ancient Greeks and Romans held annual days of remembrance for loved ones (including soldiers) each year, festooning their graves with flowers and holding public festivals and feasts in their honor” (History.com). This tradition evolved into a national holiday in the United States following the Civil War, though it was not always known as Memorial Day.

On May 5, 1868, three years after the Civil War had ended, Major General John A. Logan, head of an organization of Union Veterans, “established Decoration Day as a time for the nation to decorate the graves of the war dead with flowers'' (U.S. Department of Veterans Affairs). The designated date to observe Decoration Day was May 30 for a variety of reasons, one of which was because across the country, flowers would be blooming at that time (U.S. Department of Veteran’s Affairs).

Over time, the holiday changed and expanded, and by 1890 the practice of recognizing fallen heroes at the end of May became common across the nation. The holiday became more commonly referred to as “Memorial Day” rather than “Decoration Day,” and those honored were not only Civil War heroes but all fallen American troops (Military.com). The exact date to observe the holiday also changed when the U.S. government passed the Uniform Monday Holiday Act in 1968, moving Memorial Day to the last Monday in May (Military.com).

In December 2000, the U.S. passed and ratified P.L. 106-579, the National Moment of Remembrance Act (U.S. Department of Veterans Affairs). “The National Moment of Remembrance encourages all Americans to pause wherever they are at 3 p.m. local time on Memorial Day for a minute of silence to remember and honor those who have died in service to the nation” (U.S. Department of Veterans Affairs).

Join us as we remember America’s heroes on May 31.

History.com "8 Things You May Not Know About Memorial Day"

"Memorial Day History" U.S. Department of Veterans Affairs

Military.com

Moms in the Military

The draft ended in 1973, at which time only 2 percent of enlisted forces were women. Today women make up 16 percent of active-duty members, some of whom are mothers (Council on Foreign Relations). Recognizing that diversity and inclusion are keys to innovation, branches of the United States Military have taken steps over the years to increase opportunities for female service members (Department of Defense). In 2015, the ban restricting female soldiers in combat was lifted, and women’s participation in military services has slowly continued to grow.

For women of child-bearing age, military service can be a mix of both opportunity and challenge. Active-duty birth mothers are granted six weeks of maternity leave and may receive another six weeks of “primary care-giver leave” (Military One Source “Types of Military Leave”), and the Department of Defense in many cases is able to assist parents with child care (Military One Source “Parenting and Children”). Along with the support provided by the military, service members often turn to extended family for additional assistance in the case of deployment.

According to U.S. Navy Dr. Marion Henry, deployment is part of the job. "No matter what your job is in the military, you will not progress or succeed unless you deploy” (Today.com). Unfortunately, some disapprove of moms being deployed, but as U.S. Army Captain Megan Harless points out in Today.com, “We’re all still veterans and all still fighting for that one cause.”

At Waitte’s Insurance Agency, we salute all of our servicemen and servicewomen and today give special thanks to the sacrifices made by the mothers serving our country. Anyone interested in supporting our troops by writing letters can click on the link below to “8 Websites Where You Can Write Letters to Soldiers.”

"8 Websites Where You Can Write Letters to Soldiers"
Council on Foreign Relations "Demographics of the U.S. Military"
Department of Defense
Military One Source "Parenting and Children--Benefits"
Military One Source "Types of Military Leave: What It Is and How It Works"
Today.com

Jewelry Insurance

A young couple are having a romantic dinner. Man is giving the woman a beautiful necklace.

When you consider the monetary and sentimental value of certain items you own including jewelry or watches, it may be worth taking extra steps to insure that you won’t be at a loss if something unfortunate happens. While most of us maintain a standard homeowner’s or renter’s policy, these types of insurance are unlikely to offer sufficient protection for your jewelry. It may be worth looking into a jewelry insurance policy that can be tailored to your needs whether you have one particular treasure or a collection.

Because jewelry often represents a loved one who is no longer with us, a relationship to someone dear, a symbol of an important event in your life, or a combination of these things, each piece of jewelry is much more than just a physical object. Jewelry insurance is especially helpful if you travel. At home and away, jewelry insurance can provide you with peace of mind to enjoy yourself without having to worry about whether your adventures could result in damage or loss of items valuable to you.

According to the Insurance Information Institute, a standard homeowner’s policy covers jewelry, watches, and other precious items. However, since the typical coverage comes in at $1,500, this may fall far short of what some of your valuables are worth (Insurance Information Institute). If you are interested in additional coverage, you could consider raising the limit of your liability coverage. This raises the dollar amount of what you could claim for the loss of each individual piece but there may still be a ceiling on the potential dollar amount of the total claim. Another option is to purchase a floater policy and “schedule” your individual valuables. This is the most expensive option, but it offers the best protection, as it includes “losses of any type including those your homeowner's insurance policy will not cover, such as accidental losses”--for example, dropping a piece of jewelry down the drain or leaving it in a hotel room (Insurance Information Institute).

The staff at Brides.com reminds us that with great rings come great responsibilities: “While anything that happens to your engagement or wedding ring is heartbreaking, knowing it’s properly insured can help to soften the blow.” The same can be said for anniversary pieces, heirloom jewelry, and any precious piece that is meaningful to you.

If you have pieces you want to protect, Waitte’s Insurance Agency is happy to work with you to find a plan that fits your needs. Give us a call!

Brides.com
Insurance Information Institute "Special Coverage for Jewelry and other Valuables"
USA Today "10 Reasons Why Insuring Jewelry Can Benefit You Long-Term"

Enjoy the Fall Without Getting Burned

Enjoy the Fall Without Getting Burned

As the leaves begin to change and the cooler weather of fall approaches, we renew our appreciation for fire. The warmth of a fire brings with it images of cozy gatherings and good food. Backyard fire pits have grown in popularity over the years and now offer a great way to socialize in relative safety as we can enjoy the company of friends and neighbors and still be outside. Like seemingly all good things, though, fire can be risky.

According to the Journal of Burn and Care Research, “Outdoor fire pits represent an increasing hazard to young children who are particularly susceptible to burn injuries from falls in or around lit recreational fires.” On average, a fire injury occurs every 30 minutes, and each year approximately 3,400 burn injuries become fatal (Burn Statistics).

While backyard fire pits are one concern, what happens in the kitchen can be even more dangerous. Stanford Children’s Health indicates that home-cooking equipment is the “leading cause of home fires and related injuries.”

While medical research has led to advancements that enable 96.7% of patients treated in burn centers to survive, the consequences of serious burns often include serious scarring and life-long physical disabilities (American Burn Association).

Fortunately, there are steps we can take to help keep our family members and friends safe. Before building or purchasing a backyard fire pit or table, spend some time planning. Your fire should be at least ten feet from your house or a neighbor’s yard. Stay away from overhanging tree branches, fences, or anything else that might burn easily. Before burning, check the wind. If the trees are swaying in the wind, save your fire for another day. Only allow adults to start and maintain a fire, and anyone near the fire should not wear loose clothing. Have a fire extinguisher and first aid kit handy, and keep a close eye on any children. Those under five are especially vulnerable.

There are also steps you can take in the house to significantly reduce the risk of burns. Periodically check appliance chords for damage or fraying; unplug appliances when they are not in use; keep children away from hot liquids, hot oils, or deep fryers; turn pan handles in toward the stove; and check the temperature of bottles, other heated drinks, foods, and bathwater before allowing children access. A kitchen fire extinguisher is also a great idea.

You can help keep your family, friends, and neighbors safe by avoiding fire hazards and burns. More fire safety and burn prevention tips can be found in our links below. At Waitte’s Insurance Agency, we care about keeping our community members safe because we are part of the community. Our friendly agents look forward to talking with you about your unique insurance needs.

Oxford Journal of Burn and Care Research

Nationwide Children's

HomeAdvisor "Fire Pit Safety Precautions"

Stanford Children's Health

Stanford Children's Health "Preventing Burn Injuries"

American Burn Association

Burn Statistics

Teen Drivers: How to Help Keep Them and Our Community Safe

Teen Drivers- How to Help Keep Them and Our Community Safe

It is a sobering fact that motor vehicle accidents are the leading cause of death for U.S. teens. According to the Center for Disease Control (CDC), every day about six teens die, and hundreds more are injured in car crashes. Along with the loss of life and pain and suffering also comes a staggering economic cost of accidents involving teen drivers: over $13 billion annually (CDC).

Why are teen drivers contributing to such grave statistics? Obviously, inexperience plays a role. Teens are also more likely to speed and/or follow other vehicles too closely. In addition to these risky habits, teens are the least likely age group to wear seatbelts (CDC). Since research has shown that “seat belts reduce serious crash-related injuries and deaths by about half,” the importance of buckling up cannot be overstated (CDC). While teens cannot legally drink alcohol, many do drink and drive, and intoxication only exacerbates the challenges of operating a motor vehicle for an inexperienced driver.

As if they don’t already face enough of a challenge to focus on the road, cell phones and other devices may also be competing for teens’ attention and posing further distraction. According to the National Highway Traffic Safety Administration, a teen who is texting while driving is 23 times more likely to be involved in a crash than a driver who is not texting.

What can you do to help your teen driver stay safe in the face of these daunting statistics?

Model safe driving yourself, especially when your teen is with you. Avoid eating or drinking while driving, and talk to your teen about doing the same.
Talk to your teen about the risks of alcohol and other drugs, especially while driving.
Make sure your teen is aware of other factors that can compromise a driver’s focus including driving with passengers, driving at night, and driving while drowsy.
Stress the importance of wearing a seatbelt, and model by always wearing one yourself.
Talk to your teen about the dangers of using a phone while driving. Consider downloading an app to block calls while driving, and ask your teen to do likewise.
Make sure you and your teen are both aware of your state’s graduated licensing laws and follow them. These laws have reduced fatalities as well as crashes overall (CDC).
Consider utilizing a tracking app that will allow you to view your teen’s location and speed in real-time as well as track your teen’s recent trips on the road, such as Life 360. Tracking basics are free, and additional paid features are also available.

While worry is an inherent part of being a parent of a teen, there are steps we can take to reduce the likelihood of serious injuries or even fatalities. At Waitte’s Insurance Agency, we care about the safety of all of the families in our community because we are part of the community. Give us a call when you are ready to talk about your unique insurance needs.

For further information, visit the following publication:

CDC "Teen Drivers: Get the Facts"
NHTSA "Teen Driving"
Graduated Licensing Laws

Hit the Road in a Recreational Vehicle

Many of us are thinking about finally taking the vacations that have been on hold for so long, and we might be considering new ways to travel. The assets of recreational vehicles merit their consideration, especially now. An RV allows for a great deal of flexibility--you can go where you want whenever you want. An RV also allows you to avoid the expense, crowds, and hassles of air travel. You can save money by cooking your own food, and when you are ready to head to your next destination, everything is already in the vehicle--no need to pack.

Seasoned RVers are also quick to point out how friendly people are. If you don't know anyone when you arrive at a campground, you soon will. Another advantage is the view. While traveling, the RV driver and his or her companion are seated higher off the road than car drivers, and the large windshield offers a broad view of the destination.

RV travel offers a great way to experience the treasures that are our national parks and other great destinations while still enjoying the convenience of a bed and private restroom--go out sightseeing, hiking, biking, or fishing, and return to the convenience of the modern amenities in your RV.

Drawbacks of traveling by RV include the initial investment of purchasing the RV, the cost of gas, and the challenge of parking. Consider renting an RV to decide if the investment is right for you, though you may need to plan well ahead. Both sales and rental are significantly up from last year.

If you do decide to take advantage of the freedom and adventure that come with owning an RV, remember that just like your car, your RV needs to be ensured to be on the road. For more tips about RV travel, destinations, ownership, and rental, check out the links below. For information about insurance, contact locally owned Waitte’s Insurance Agency to discuss your unique insurance needs. Help our community thrive by making sure you, your friends, and your family are covered.

For further information, visit the following publication:

AARP "Pros and Cons of Owning an RV"
Tripsavvy "RV Pros and Cons"
National Geographic "Vacationing by RV"

Protecting Your Assets

As we accept some of the changes and limitations that life is confronting us with these days, we are learning to find fun wherever we can, and often this means recreating close to home. Home swimming pools, trampolines, swing sets, and treehouses are especially popular this year.

A home trampoline is a great way to get the kids and maybe even yourself outside and doing something active. Yet they are not without risk. According to Science Direct, “Trampolines account for up to 15% of pediatric orthopedic injuries requiring hospital care during the summertime.” You can take steps to significantly reduce the likelihood that your child will not become one of these statistics, such as allowing only one child to jump at a time, but what happens when a neighborhood kid escapes supervision and can’t resist the lure of your trampoline?

Another significant perk that is not without liability risk is the home swimming pool. Swimming is the joy of summer, and owning a pool for the convenient use of kids, grandkids, and even adults provide countless hours of healthy summer fun. Yet again, risks accompany the boon. The American Academy of Pediatrics reports that “drowning is the leading cause of injury-related death in children,” and home swimming pools are where most of these drownings occur for children ages four and under. While there are certain steps you can take and probably already have, such as never allowing children in the pool without adult supervision and maintaining a fence around your pool, children can be surprisingly adept at escaping watchful eyes, and drowning can occur in minutes.

Sadly, even man’s best friend can become a liability. During the pandemic, pet adoption rates have soared, and many of us are discovering the simple pleasures of walking a dog around our neighborhoods. Encounters with other dogs and their humans are also more common than ever, and if your dog tangles with another and the owner is bitten by your pooch while trying to separate them, you may be liable. Even though this occurs away from your property, this as well as the aforementioned circumstances are situations when an umbrella policy will ensure that you can protect your assets.

Even if you don’t have a trampoline, swimming pool, or pets, an umbrella policy is something you need more than you may realize. In today’s lawsuit-happy society, there are myriad situations that could be financially devastating if you are not properly covered, such as an icy sidewalk or an over-indulgent guest who makes a fatal mistake on the road after leaving your party.

Life is all about balance. While we don’t want to take extreme, unnecessary risks, we also want to enjoy our time rather than let it pass us by. While homeowners insurance is something we already recognize as a must-have, most of us would be wise to also invest in an umbrella policy for that extra security we don’t always realize we need. An umbrella policy covers not just the policy owner but the other members of your household as well, and since an umbrella policy kicks in after the standard insurance you already have, it is relatively inexpensive. At Waitte’s Insurance Agency, we want to help keep you and all of our community safe because we are part of the community. Call us when you are ready to discuss your unique insurance needs.

For further information, visit the following publication:

Evaluation of Primary Caregivers' Perceptions on Home Trampoline Use
Water Safety and Drowning Prevention

Enjoying the Outdoors Safely

While the past several months have thrust upon us many challenges, frustrations, and disappointments, there have also been a few positive changes. Some of us are getting more sleep, enjoying more exercise, or spending more time with family. As many of us have been working from home, we are turning to walking and bike riding as ways to get out of the house and improve our health.

Just being outside can help reduce stress levels, lower blood pressure, reduce the risk of a variety of diseases, and improve mental health (New York Times). When we add some exercise in the mix, things only get better. However, there are some safety factors that we need to consider.

The fatality rate for pedestrians and cyclists has been steadily rising over the last several decades. According to the Governors Highway Safety Association, 6,590 pedestrian fatalities occurred in 2019. While the fatality rate of cyclists is lower, at 857 in 2018, it is still an unfortunately high number (New York Times).

What are some of the factors contributing to these numbers? It’s no surprise that distracted driving plays a role. While it is illegal to text or talk on a hand-held phone in many states, not all drivers follow the laws, and hands-free phones can still compromise a driver’s ability to focus on the road. Another factor is the vehicles themselves. Increasingly, Americans favor SUVs and light trucks over cars. The greater mass of these vehicles along with the fact that they sit higher makes it more likely that the vehicle will smash directly into a cyclist or pedestrian rather than pushing the victim up onto the hood of the car (USA Today).

While these facts should give us pause, fortunately, there are steps you can take to avoid becoming part of the statistics.

Wear a helmet designed for cycling. Be sure it has a safety certification sticker and is properly fitted for you. A helmet that does not fit you or is not properly adjusted will not fully protect you. Consider purchasing one at a local bike shop where staff can help you find the right fit and adjustment.
Ride with the flow of traffic, not against it, and follow the rules of the road. While some people like to ride into traffic because they can see oncoming cars, in reality, this is both more dangerous than riding with the flow of traffic, and it is not legal.
Be sure your bike is in good working order before you ride, especially your brakes.
Whether you are walking or biking, wear clothes that make you clearly visible to drivers; on the bike, consider attaching flashing reflectors even during daylight. If you walk at night or early in the morning, consider wearing a reflective vest over your clothing.
Anticipate that drivers might not see you and be ready to act accordingly. A jump into a ditch or onto a sidewalk is clearly better than an encounter with any automobile when you consider that even lighter coupes weigh significantly north of two thousand pounds.

Enjoy the satisfaction of connecting with your community and the outdoors by getting out for a walk or a bike ride. Waitte’s Insurance Agency is here for you with tips on how to get the most out of opportunities while still staying safe. Stop in on your next walk or bike ride, or give us a call to talk about your unique insurance needs.

For further information, visit the following publication:

Governors Highway Safety Association
Bike Safety Tips
New York Times Health Article
New York Times Pedestrians and Cyclists Article
Bicycle Safety NHTSA

Keeping Your Home Safe While on Vacation

Following months on lockdown that may have felt like years, many families are deciding it’s finally time to take a vacation. While there is plenty of focus on how to stay safe during the trip, it’s also a good idea to take steps before we depart to keep our homes safe.

According to the U.S. Department of Justice, on average, one home is burglarized every 18 seconds in the United States. Burglaries occur most often during the summer months, and any evidence that your home is unoccupied will make it a more likely target. Before you take off, consider taking the following steps to keep your home safe.

Lock all windows and doors.
Have mail or package delivery stopped. A stack of mail or a package on the doorstep is a clear giveaway that homeowners are absent.
Hire someone to mow your lawn or shovel your driveway.
Tell a trusted neighbor what your plans are. If possible, ask the neighbor to bring in your garbage cans if they will be outside and to keep an eye out for anything suspicious.
Consider putting some indoor and outdoor lights on timer switches. This helps make your home look occupied.
Wait until you return to post pictures and stories about your trip on social media. Posts often circulate more widely than you intend.

While these steps will take a bit of time, they will help ensure that your trip is worry-free and relaxing.

Enjoy the peace of mind that comes with planning ahead for your well-earned vacation. Learn about more ways you can plan to protect your home and family by calling Waitte’s Insurance Agency where our staff can assist you with your unique insurance needs. Share our vacation tips with your family and friends, and be sure you, your family, and your friends are covered so we can all keep our community safe.

For further information, visit the following publication:

US Department of Justice "Crime Clock" article

Life insurance. Do I need it?

Single woman alone swinging on the beach and looking the other seat missing a boyfriend

Life insurance. Do I need it?

Life insurance is not a sexy topic, but like death and taxes, if you are a responsible adult, it should be on your radar. You may be asking yourself, Do I really need it? To answer this question, ask yourself who will be financially impacted in the event of your untimely death. Your life insurance policy can ensure that financial hardship won’t be added to the emotional grief of the people close to you if something unexpected should happen.

The first reason people typically consider life insurance is because they have a family. Ask yourself, How will my family function without my financial contribution? If you don’t work outside the home, your contribution is still significant, and your question might be, What might be the cost of care for my family if I am no longer able to be here for them?

In addition to a spouse and children, you may also be supporting older relatives. How will they get by if something happens to you? Also, consider any debt you may have. If you pass away, your debt will likely become the responsibility of your spouse, parents, or siblings’, which could put them in a difficult financial position.

Perhaps some of you are reading and at this point thinking, But wait, I don’t have a family yet, and I don’t have any debt either. Luckily for you, life insurance is most affordable for people in your situation. Now is a great time to plan for your future!

If you are still unsure why you need to think about life insurance now, consider the cost of the average funeral, which is somewhere in the ballpark of $7,000 to 10,000. This figure does not include a burial plot or monument (or marker), each of which will run you somewhere in the four figures or more. Cremation is typically less expensive. Services are roughly between $5,000 to $6,000 plus the urn and cemetery or interment fees for those who choose this option.

When your loved ones are grieving, you don’t want them to wonder how they will pay for your funeral today or how they will make ends meet moving forward. The steps you take to provide for the ones you love might be the greatest gift.

How much insurance do you need? This question is best answered when you sit down with your insurance professional, discuss your unique needs, and help you develop a plan that is right for you.

For further information, visit the following publications:

National Funeral Directors Association: Statistics
7 Reasons You May Need Life Insurance, Even if You Think You Don't
Yes, You Probably Need Life Insurance And Here's Why