Insurance Blog

Pick pocket

Your summer and vacation plans will be the best ever - especially if you follow the checklist below! Remember to contact your Baldwin / Welsh & Parker agent for questions regarding insurance coverage for your vacation home, rental property, boat, or rental car. Here are 9 of the best quick tips we have found to keep you and your loved ones secure and safe!

Before You Leave

  1. Scan important travel documents and store them in a secure online repository. In the event that your information is lost or stolen, using an online repository allows you to easily access copies of your passport, drivers license, visa, and any other vital identification from anywhere in the world. Remember to do this for every person traveling with you, including children.
  2. Register in the Smart Traveler Enrollment Program. Visit https://step.state.gov/step/ to enroll in STEP, which provides comprehensive traveler information, including travel alerts and restrictions; information on visas or vaccinations; crime and stability update; road conditions; laws of the country you're visiting; and consular contact information.
  3. Take only what you need. Chances are that you will not be writing checks; leave these and any extra debit cards or credit cards that you will not be using at home. This will decrease the amount of institutions you will need to contact if they are lost and decreases the damage criminals can wreak on your accounts. 
  4. Put mail on "postal hold" while you're gone. Go to your local post office or do it online at https://holdmail.usps.com/holdmail/
  5. Make your home look lived-in. Arrange for friends or family you trust to pick-up newspapers, mail, and advertisement flyers in order to avoid drawing attention to your home. This will reduce the risk of break-ins which may result in the loss of valuables, including your identity.

While you are traveling

  1. Carry valuables safely. Your valuables and identification are a mere swipe away from a purse-snatcher or pickpocket. Money belts kept under clothing are the safest. For stowing cash, credit cards and identification, inside pockets and sturdy shoulder bags with straps across the chest are much better than handbags, fanny packs or outside pockets.
  2. Use the hotel safe. Place your cash, credit cards and especially your passport and all identification documents in the safe whenever they are not in use.
  3. Take caution with public computers and Wi-Fi. If possible, avoid using public computers to access anything sensitive, such as conducting online banking, making purchases, or accessing email accounts. These computers could potentially have malware that is designed to capture the information you have entered. Avoid these same activities when using a public Wi-Fi connection as the information can easily be captured by criminals on the same connection. Make sure to use an encrypted Internet connection whenever you go online.
  4. Be aware of social media updates. We all like to share photos online with our family and friends as we are traveling. However, when you tell people where you are, you are also telling them where you aren't - at home. Criminals use this information to gain access to your home, which contains your valuables, including your identification.

Click here for more travel tips.

Excerpt from Fraud Smarts, by Daniel Szabo. A practical how-to guide to help everyone stay safe to avoid the latest scams and prevent identity theft. With hundreds of easy to follow tips, this guide is designed as a go-to resource for consumers, teenagers, college students, families, senior citizens and small businesses. This book also provides a complete list of resources and support for victims of fraud.  

Published in Blog

Travel large

by Megan Wilson, Trusted Choice

As millions of Americans hit the airports, holiday joy can turn into holiday despair really quickly. Long lines, cranky infants, turbulence, unexpected delays, and cramped quarters can test your limits when traveling. Here is a list of pro tips to make your summer travel as easy and simple as possible.

1. Know your plane

Once you’ve decided on day, and are debating flights, take a look at the planes available. Look up the plane’s type, and make sure you’re comfortable with the layout. Websites likewww.seatguru.comare invaluable in giving you an insider’s peek at your flight. From customer photos and seating charts with recommendations to actual reviews by people who have taken the same flight, this website can help you make your flight as comfortable as economy can be, helping you avoid common pitfalls like limited recline or a squeaky neighboring seat.

2. Bring your own food

Many fliers are intimidated by the TSA regulations regarding bringing food through security; however, much of this anxiety can be avoided. To make it simple, you’re allowed to bring your own food through security, as long as it’s wrapped. (It does have to go through the scanner, however.) This not only can help those with special food needs or allergies, but also helps you avoid long lines and frustrating or expensive airport restaurant experiences. Additionally, many airport restaurants overload you with salt and fat, leaving you in an uncomfortable situation for sitting on a plane for hours on end.

3. Keep hydrated – start before you fly

Sitting in a 17.2-inch wide seat for hours is definitely not the most comfortable place to be. This can take a toll not only on your sanity, but on your health as well. In addition to cramped quarters, the oxygen in a plane is thinner, which can cause you to get dehydrated much more easily than usual. To combat this, cut down on your salt intake the day before you fly and drink a few extra glasses of water. Always say no to alcoholic drinks on board. While they may be tempting, the alcohol, in addition to the thin air, can lead to dehydration before you know it. Grab some H20 once you're past security and keep it handy during your flight.

4. Take a stroll

While it may not be convenient for your neighbors, it’s important to get up and walk during your flight. As you sit on a plane, blood flow to your upper body can be impeded, leading to swelling and aching in your legs and ankles. Every hour or so, make it a point to take a quick break to go to the restroom or walk the aisle a few times to give your body a kick-start. To avoid post-flight leg cramps, snack on a banana for a quick potassium boost.

5. Entertain yourself

While it’s nice to bring a laptop or music player on a plane, try to bring something a little more time-consuming, like a notepad and a set of coloring pencil, or an easy craft. Finding something that actually exercises your brain to take your mind off things can help make a long flight seem shorter.

6. Traveling with kids

Traveling with kids is a huge challenge. From diaper changes (whoever invented the changing tables that are found in airplane bathrooms needs to be shot) to squirmy kids, there’s no two ways about i: Be ready for anything. Kids and infants get restless easily, so opt to sit near the aisle so you can take frequent walking breaks. Additionally, if you ask politely and explain your situation, many stewardesses can help you find a row that has an extra seat for you and all your gear to spread out in for the flight. Bring lots of books and activities, and pick up some of those easy-to-do crafts from your local dollar store. Typically self-contained in a cellophane bag and not needing glue or heavy craft artillery, these are a great way to keep your kids amused.

7. Don’t get exposed

One big drawback to flying is the exposure to others – and their germs. Make sure to stock up on your immune-boosting vitamins before hitting the skies. You are 100 times more likely to catch a cold on a plane than at any other time. You may also want to consider wearing a mask while in flight to avoid germ inhalation as well. You may look silly, but you’ll be enjoying your destination while others may be sitting in a doctor’s office.

Good luck and safe travels from everyone here at Baldwin / Welsh & Parker!

Published in Blog

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