Friday, December 28, 2012

Utah Travel Headlines


 
The Lone Ranger On Dead Horse Point
Our hearts go out to the people in Newtown, Conn. This is a good day to hug your children and say, “I love you.”

Last night on Conan, on late night TV, Armie Hammer talked about the new move, The Lone Ranger, which was shot in Utah. One sequence was shot at Dead Horse Point, one of Utah's most popular state parks, on a tower set on the edge of the cliff. It is included in the trailer and it is impressive.

Conan asked if the scene was computer-generated and Hammer talked about the challenges presented because they shot it live. Then they had a short discussion about Dead Horse Point. Here's a transcript of that part, and then we present video from Conan below.

Conan: “I'm stunned by that shot where you're on this giant structure. Is that CGI?”

Hammer: “No, that's real.”

Conan: “That looks crazy...”

Hammer: “That is a point called Dead Horse Point. You know if anything in nature is named after an animal it is pretty intense, and a dead animal specifically...”

Conan: “Right, never a good sign. No one says, let's go have a hamburger at Dead Horse Point.”

Hammer: “Right. You couldn't if you wanted to because you can't even get water on Dead Horse Point... ”

Well, actually there is water at the Visitor Center. But no hamburgers. Here's the video:

Auto Insurance Mega-Quiz

Friday, December, 21st, 2012 at 11:57 am

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Auto Insurance Mega-Quiz

The holidays are a time for fun, a time for family, a time for -- insurance.
Well, insurance may not be the first thing that comes to mind when you have visions of sugarplums dancing in your head. But, the holiday season can be a great time to make sure you're safe and protected.

If you think you know a lot about car insurance and driving safety -- or even if you just want to learn more -- take our quiz!

Have fun, and happy holidays!
  1. Question 1 of 10

    1. You are driving over the river and through the woods when a deer darts out in front of you, and you hit it. The deer seems unhurt and bounds away, but you are left with a big, ugly dent in your car. What type of auto insurance coverage will you be glad you bought?

    • Yes, you're right! Animal damage generally falls under the comprehensive coverage of your auto insurance policy, as do other perils like vandalism, hail and falling objects.

    • No, that's incorrect! Animal damage generally falls under the comprehensive coverage of your auto insurance policy, as do other perils like vandalism, hail and falling objects.

    Next »Check My Answer!
  2. Question 2 of 10

    2. You park your car in the mall parking garage and hit the stores. After hours of shopping, you come back to your car and find someone has smashed your window and stolen your iPad, an expensive pair of boots and some CDs. Your auto insurance policy likely will cover the damage to the window, but what can you do about your stolen items?

    • You're right! Many of the items you own are likely covered under the personal property protection of a homeowners or renters insurance policy, even if they're not inside your home when they're damaged, stolen or destroyed. There are some exceptions and limitations, so it's a good idea to ask your insurance agent what your particular policy covers in a situation like this.

    • You're wrong! Many of the items you own are likely covered under the personal property protection of a homeowners or renters insurance policy, even if they're not inside your home when they're damaged, stolen or destroyed. There are some exceptions and limitations, so it's a good idea to ask your insurance agent what your particular policy covers in a situation like this.

    Next »Check My Answer!
  3. Question 3 of 10

    3. Which kinds of distractions can be dangerous when you're behind the wheel of a car?

    Next »Check My Answer!
  4. Question 4 of 10

    4. Which season is most popular for road trips in the United States?

    • You got it! According to the Bureau of Transportation Statistics, the number of long-distance road trips (50 or more miles, round trip) climbs 53 percent above average during the six-day Thanksgiving travel period. That figure increases only by 23 percent during the Christmas and New Year's travel period–apparently, turkey is a bigger motivator than egg nog and candy canes!

    • Incorrect! According to the Bureau of Transportation Statistics, the number of long-distance road trips (50 or more miles, round trip) climbs 53 percent above average during the six-day Thanksgiving travel period. That figure increases only by 23 percent during the Christmas and New Year's travel period–apparently, turkey is a bigger motivator than egg nog and candy canes!

    Next »Check My Answer!
  5. Question 5 of 10

    5. You're on a trip in late December, and your rear wheels start to skid on the icy road. In order to safely recover, what should you do?

    • Right on! If your rear wheels start to skid toward the right, you should turn the steering wheel toward the right to correct it. If you overcorrect and the rear starts sliding toward the left, gently steer toward the left to get yourself straightened out. Never slam on the brakes in the ice -- or you could lose control.

    • That's not correct! If your rear wheels start to skid toward the right, you should turn the steering wheel toward the right to correct it. If you overcorrect and the rear starts sliding toward the left, gently steer toward the left to get yourself straightened out. Never slam on the brakes in the ice -- or you could lose control.

    Next »Check My Answer!
  6. Question 6 of 10

    6. You're driving home from holiday shopping when the car in front of you slams on the brakes. You don't notice in time, and you rear-end the car. If the accident is deemed your fault, what part of your auto insurance policy would help pay for damage to your own car?

    • You're right! While liability coverage helps you pay for damage to someone else's vehicle in an accident that's your fault, you'd need collision coverage to help pay for your own car in the event of an accident that's your fault.

    • You're wrong! While liability coverage helps you pay for damage to someone else's vehicle in an accident that's your fault, you'd need collision coverage to help pay for your own car in the event of an accident that's your fault.

    Next »Check My Answer!
  7. Question 7 of 10

    7. For the holidays, you receive an amazing stereo system to install in your car. Is this likely covered under your insurance policy?

    • Right on! For expensive after-market add-ons, like stereo systems, there is additional coverage you can buy to add on to your auto insurance policy. Click here for more information.

    • Wrong answer! For expensive after-market add-ons, like stereo systems, there is additional coverage you can buy to add on to your auto insurance policy. Click here for more information.

    Next »Check My Answer!
  8. Question 8 of 10

    8. The amount of money you pay toward a covered loss before the insurer pays for damages associated with an auto insurance claim is called ________.

    • That's right! The deductible is your portion of the out-of-pocket claim cost you agree to pay when you make a claim covered by your policy. Click here for more information.

    • Wrong! The deductible is your portion of the out-of-pocket claim cost you agree to pay when you make a claim covered by your policy. Click here for more information.

    Next »Check My Answer!
  9. Question 9 of 10

    9. All your teenage son wants for the holidays is his driver's license. The legal age for teens to begin learning to drive varies by state. What's the youngest age that any state allows teens to legally begin learning to drive under supervision?

    • That's right! Under Graduated Driver Licensing laws, the learner stage begins as early as age 14 in six U.S. states -- Alaska, Arkansas, Iowa, Kansas, North Dakota and South Dakota. The minimum age varies in other states from 14 1/2 years old to 16.

    • That's not the right answer! Under Graduated Driver Licensing laws, the learner stage begins as early as age 14 in six U.S. states -- Alaska, Arkansas, Iowa, Kansas, North Dakota and South Dakota. The minimum age varies in other states from 14 1/2 years old to 16.

    Next »Check My Answer!
  10. Question 10 of 10

    10. You're driving home from a holiday trip, and it's raining cats and dogs. Which of these is a good idea?

    Next »Check My Answer!

Your Score:

Congrats! You've earned a from the Allstate Auto Insurance Mega-Quiz!

 

 
 
 

Friday, December 21, 2012

Advice for caregivers: Take care of yourself, too
By Paul Nelson
 

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SALT LAKE CITY — Caring for a loved one with Alzheimer's or dementia is a highly demanding job. Health care professionals say too many people who do it are so focused on caring for their loved one that they're not taking care of themselves.Caring for a loved one with a disease like Alzheimer's, dementia or Parkinson's disease can be a full time job. Caregivers are frequently the child or the spouse of the patient. Paula Ledford with Burch Creek Home Care and Hospice said some people who tend their elderly loved ones don't go to their own doctor or see the dentist because they feel guilty about taking any time off from their work. "If they take time for themselves, they feel like they're pushing [aside] the job that they've committed to. People of the older generation take their commitment to each other a lot more seriously than the younger generation does," she said.Ledford said a lot of people don't want to leave their family members with someone else because they think they'll feel abandoned or unloved.
Tips for Caregivers
  • Accept help
  • Focus on what you are able to provide
  • Get connected
  • Join a support group
  • Seek social support
  • Set personal health goals
  • See your doctor
Source: Mayo Clinic
 
"Often times, they feel that their loved one is not going to want to go somewhere else to be taken care of," she said.But, the stress these caregivers face is only made worse when they don't properly care for themselves. That's why Ledford said it's important to tell them what can happen if they don't. "They can actually end up with depression. They can end up with heart failure. There are a number of different things they can end up with. Their body just gets exhausted and they no longer function. They end up sick. They end up in the hospital," she said.Ledford said there are many cases in which the caregiver dies before the person they were caring for. She pointed out there are elderly respite programs people can take advantage of. "They can give themselves a three hour break, for free," she said. "There are places where they can get a four or five hour break, or even an all day break for free, once a week."She said a lot of people hesitate to use them fearing their loved one may try to wander off. But, she said these centers are secure.

Friday, December 14, 2012

Allstate’s National Catastrophe Team: On the Front Lines



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Allstate National Catastrophe Team

On Monday, Oct. 29, 2012, millions of people were getting ready for Sandy—what meteorologists described as a “strikingly powerful” storm.
But while many people were doing what they could to get out of the areas forecast to be affected by the storm, Allstate’s National Catastrophe Team was doing what it could to get as close to them as safely possible.
With 825 inside and field employees, the National Catastrophe Team supplemented its staff with independent adjusting firms, and deployed a fleet of Mobile Claims Centers, and smaller Catastrophe Response Vehicles, to service people affected by Sandy.
Team members stationed themselves near the affected region, so they would be ready to move in and help customers as soon as local authorities deemed it safe.

Set up in locations for those who need help most.

The Mobile Claims Centers, which have been in use by Allstate since 1999, set up shop in highly accessible locations—in the parking lots of major retailers, for instance—so Allstate policyholders who needed help the most could easily find them.
One of multiple strategies to help customers impacted by natural disasters, the MCC units are fully equipped with generators and satellite connections, so, even as much of the region impacted by Sandy was in the dark, members of Allstate’s National Catastrophe Team were able to start helping customers right away, setting up claims and even issuing checks for temporary living expenses, as well as handing out bottled water and teddy bears.
“Unfortunately, after truly devastating storms, customers [sometimes] come to us for assistance with literally nothing more than the clothes on their backs,” said Mike Paul, who oversees the Mobile Claims Center program for the National Catastrophe Team. “Because we are physically onsite following a storm, we can immediately begin the claims process.”
On occasion, if a local Allstate agent’s facilities are inoperable due to a catastrophe, MCCs may be set up near the agent’s office to help customers, Paul said.
In this way, Allstate customers have the benefit of personal service from their agents, who live in their communities and understand what they’re going through, as well as the National Catastrophe Team, which brings in the personnel and facilities to help them in their time of need.
Since 1999, when the first MCC unit hit the road, the fleet has been an important tool for the National Catastrophe Team, which, itself, was established in 1996 after Allstate responded to Hurricane Andrew in South Florida.
Paul has been involved in the recovery efforts for numerous storms, including major events like Hurricanes Katrina and Gustav.

Part of ‘something bigger’ than yourself

“This is what we love to do. This is kind of our calling,” he said. “You feel like you’re part of something bigger than yourself when responding to a major disaster. This is where the rubber meets the road, where our customers need us the most.”
Last year, after more than a decade of success with the MCC units, the National Catastrophe Team started a new program, launching a fleet of Catastrophe Response Vehicles, which are smaller vehicles that allow Allstate personnel to actually go through affected neighborhoods to individual policyholders’ houses to check on them after a catastrophe.
Visit The Allstate Blog for an upcoming look at the National Catastrophe Team’s CRVs, the newest strategy in Allstate’s response to natural disasters.
Recommended by the editors:

Are you prepared for the next big storm? Sign up for Allstate’s weather alerts to stay in-the-know.

Monday, December 3, 2012

The Road to a Happy Retirement




Senior couple relaxing outside

Ask any two people what a happy retirement looks like and you’re likely to get two very different answers. “Golfing every day and reading presidential memoirs,” one person might say, while another might wax poetic about taking an Alaskan cruise and spending time with grandchildren. Still others might enjoy the peace of mind that comes from feeling financially secure or the satisfaction of volunteering for a worthwhile cause or even working part-time to stay busy and active.
All of these visions for retirement are perfectly valid ways to spend your time, and it’s a good idea to share your definition of a happy retirement with your spouse. You may be surprised to discover that your visions vary slightly, but discussing your goals and priorities can help you create a joint vision that incorporates both of your needs. Share this vision with your financial representative so he can help you set a realistic budget for the activities and lifestyle you want during retirement. Plus, he’ll be able to help you choose the investment vehicles that align with those goals.
Depending on your financial goals and other factors, there are some retirement investment options you might consider:
  • 401(k): This is among the most popular retirement savings options because the money in a 401(k)—or a 403(b), the nonprofit equivalent to a 401(k)—grows tax-deferred, meaning you don’t pay taxes on the income until you withdraw money. Some employers offer matching funds, which can also help boost your retirement savings. If you need to access funds in your 401(k) before you turn 59 1/2, you might be able to take a 401(k) loan if your plan administrator allows it. Or, you could withdraw funds early, which could be subject to early withdrawal penalties. However, withdrawing money early or borrowing from your 401(k) means missing out on potential growth and possibly having less money when you retire.
  • IRA: An Individual Retirement Account (IRA) is another retirement savings vehicle that comes in a few different forms. Based on IRS guidelines for 2012, most taxpayers can contribute up to $5,000 per year to an IRA, according to irs.gov. Contributions to a traditional IRA may be fully or partially tax-deductible, while contributions to a Roth IRA are not tax-deductible. (However, your distributions from a Roth IRA may be tax-free if you satisfy the IRA’s requirements.) Simplified Employee Pension (SEP) IRAs are a retirement savings option for self-employed people who don’t have an employer-sponsored 401(k) or 403(b). SEP-IRAs have higher contribution limits than traditional or Roth IRAs.
  • Deferred annuity: Generally, when you purchase an annuity, you make a lump-sum payment or series of payments, and in exchange, the insurance company makes ongoing payments to you, typically so you’ll have steady income during retirement, according to myallstatefinancial.com With an immediate annuity, you’ll often start receiving payments right away, while with a deferred annuity, you would receive payments in the future, perhaps when you retire.
Want to know more? An Allstate Personal Financial Representative can answer your retirement-savings questions and discuss which investments vehicles might make sense for you and your retirement goals.