RE/MAX 440
Mary Mastroeni
mmastroeni@remax.net
Mary Mastroeni
731 W Skippack Pike
Blue Bell  PA 19422
PH: 610-277-2900
O: 215-643-3200
C: 610-213-4878
F: 267-354-6212 
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Mary's Blog

Simple Steps to Protect Your Identity this Holiday Season

November 18, 2011 4:08 pm

The busiest shopping time of the year is here. Deal-seeking shoppers will hit the stores early to take advantage of massive Black Friday sales, and even more will shop online for discounted holiday gifts on Cyber Monday. 

With all the credit and debit transactions that will be coming through, shoppers need to remain alert to avoid identity theft in a time when they are the most vulnerable. Grange Insurance, a Columbus-based insurance company, offers advice for shoppers to remain protected this holiday season. 

1. Remove extra credit cards, social security card, birth certificate and passport from your wallet or purse.
In the case that someone’s purse or wallet gets lost, having personal information handy for a stranger to steal makes them susceptible to identity theft. If this happens, victims should call their credit card company and bank immediately to cancel accounts to avoid any unauthorized purchases. 

“Social security cards, passports and birth certificates should be kept in a secure place at home,” says Mark Russell, vice president of insurance operations for Grange Insurance. “When you go shopping or out in public, only bring what you absolutely need, and never leave your wallet or purse unattended or in an automobile. These situations could give thieves easy access to your personal information.” 

2. Reconcile check, credit card and bank statements.

“Regularly review your check, credit card and bank statements to ensure that all purchases listed are legitimate and authorized,” says Russell. “If you notice any transactions that don’t belong, call your bank or credit company immediately to challenge the purchase.” 

Also, confirming that home and work mailboxes are secure for receiving important mail such as credit card and bank statements will reduce the likelihood of theft. When ordering new checks, arrange to pick them up in-person at a local bank branch. 

3. Don’t click links in emails from financial institutions or vendors that log into your account or require personal information.

“Online shoppers should also be aware of emails they receive from vendors with links that, when clicked, ask you to enter personal information,” says Russell. “If you receive an email that looks like it’s from a financial institution or vendor, regardless if you’re familiar with that institution, don’t click on any links in the email to log into your account or provide information. Instead, go to your browser and type in the domain name of the institution (e.g. http://www.paypal.com). Often times, these emails are from identity thieves who are trying to obtain or phish for confidential information.” 

4. Consider purchasing identity theft coverage as part of your insurance policy.

Many insurance carriers, such as Grange, offer identity theft coverage as part of or an endorsement to their homeowner’s or renter’s policy, according to Russell. Adding identity theft protection to a policy will provide some coverage in the case that identity theft occurs. Policy owners should check with their independent insurance agent to confirm what options and assistance are available. 

“In addition to adding identity theft protection to your insurance policy, consider the monitoring and security options that your credit card company or other vendors offer,” says Russell. “Many companies offer protection tools, such as transaction alerts, to help their customers become less vulnerable to a breach.” 

5. Check your credit score. 

Holiday shoppers should also remember to check their credit score annually. Companies such as TransUnion, Experian and Equifax offer free yearly credit reports that allow shoppers to analyze their score for any suspicious activity. 

To learn more about identity fraud and access additional resources, visit http://www.us-cert.gov/cas/tips/.

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10 Ways to Manage Your Finances and Avoid Post-Holiday Regrets

November 18, 2011 4:08 pm

The holidays are upon us, bringing all those personal and family images and sensations we cherish. But for many of us, there are a few not-so-joyous holiday sights (a purse overflowing with credit card receipts) and sounds (the ca-ching! of the cash registers marking our escalating debt). These negatives can easily outweigh all that we love about the holiday season, especially during this less-than-prosperous economic period. 

“Overall, the recession has brought about a renewed dedication to saving,” says Eric Tyson, author of Personal Finance for Dummies, 6th Edition. “Before the recession, our national personal savings rate was close to zero, and now it’s around 4 percent. But it is very important that you not let your holiday spending zap all of the saving progress you made during the year.” 

“Whether it’s a dedication to the gift-giving tradition, a sense of obligation, or a feeling that the holidays entitle us to have a little more fun than usual, too many of us seem to turn a blind eye to the budget-busting reality of all that spending over just a couple of months,” says Tyson. “Don’t let excessive holiday spending cause any unnecessary financial stress for you and your family.” 

What if you could have a wonderful, memorable holiday and avoid the financial hangover afterwards? Tyson provides great tips on how to keep your holiday spending in check. 

Find an alternative to gift-giving during the holidays. Many people feel they have to give gifts during the holidays, either because it’s a family tradition or because they know their friends and relatives have gotten gifts for them. There are plenty of great ways to trade in this tradition for another one that is even more meaningful, and chances are your family and friends will be happy to save gift-buying dough as well. 

“Instead of exchanging gifts, your family members might want to pool their money and spend it on a holiday outing,” says Tyson. “If you have kids, you’ll probably want to get them a little something, but set strict spending limits. Instead of piling up the toys, let each child choose an outing or event that he or she gets to spend with you one-on-one. Kids will look back on the valuable time you’ve spent together a lot more fondly than they will any toy or video game they use a couple of times and then toss aside.” 

If you must buy gifts, cut your expenses elsewhere as necessary. Perhaps you’d rather dine out or go to the movies less, or maybe you can forego that new pair of shoes you’ve been wanting for yourself in order to afford gifts for the grandparents. “It doesn’t matter where you make cuts, just that you make them,” says Tyson. “Keeping your other spending under control while you’re out there doing your shopping can be a challenge, but just keep repeating to yourself the importance of not over-spending. That way when it comes time to actually pass out those presents you’ve purchased, you can do it without grimacing as you think about the damage they did to your bank account.” 

Set a budget and keep tabs on what you are spending. While you’re doing your holiday shopping, your new best friends should be your checkbook register, credit card statements, and all of your receipts. It’s easy to get into a spending rhythm when shopping for yourself or others, and that’s why you need to physically write down every purchase you make and make sure you don’t go over your budget. “When you start to add up everything you’re spending, you may be shocked at what all those expenses from this store and that store add up to be,” says Tyson. “And don’t forget about all those ‘necessary’ holiday extras. Most people don’t budget their shopping and don’t realize that by the time you buy all the presents, plus wrapping paper, cards, decorations, etc., it’s added up to a ridiculous amount. Having a budget that you know you must stick to will help keep your impulse spending from getting out of hand and will help you hone in on the most reasonably priced holiday items.” 

Plan what you are going to buy, and don’t get any extras! Particularly during the holidays, companies pull out their most appealing packaging in hopes of snagging the eyes of shoppers. That’s why along with your budget, you’re going to want to take an exact list of what you want to buy for your gift recipients. Don’t go shopping for someone’s gift until you know exactly what you are going to buy. 

“It’s very easy to go in with no plan, see something you like, and get it simply because you have no idea what else to get for a hard-to-buy-for relative despite the gift’s significant price tag,” says Tyson. “Another temptation that the list will help you squelch is the desire to buy those little knickknacks here and there that you think will make nice small additions to the gifts you’ve purchased. Very rarely are things like this necessary, and if you’ve got your list in hand, it will be easier for you to pass them by without hesitation.”
Use the season to set a good example for your kids. Your kids learn about money from you. And if they see you spending left and right during the holiday season, the lesson they come away with isn’t going to be a good one. During the holidays, it’s very easy for the “gimme gimme gimme” materialistic attitude to get out of control. After all, kids are bombarded with constant advertisements for toys, clothes, and the latest gadgets you can be guaranteed they’ll want (or at least think they do!). 

“There’s plenty you can do to help kids appreciate the true meaning of the holidays,” says Tyson. “Have them give some of their money to a local charity, participate in a program in which they buy and wrap gifts for underprivileged kids, or volunteer at a soup kitchen. It can be an eye-opening experience for kids to see that not everyone has enough money to have an enjoyable holiday.” 

Watch out for deals that seem too good to be true. Retailers run all sorts of specials to induce consumers to buy now, and the holidays offer these companies easy prey in the form of deal-seeking, cash-strapped consumers. For example, furniture stores frequently offer that if you buy now, you don’t have to pay a thing for a year, and you might even get free delivery. This sort of “push” marketing can make it harder for you to say no. 

“This is just one example of how stores coax in shoppers,” says Tyson. “Always remember that free financing for, say, a year is not a huge cost to the dealer, but it is a cost, and if you forgo it, you should be able to negotiate a lower purchase price. Retailers find that buyers are less likely to negotiate the price if they are getting a short-term financing break. Read the fine print on any deal you are considering taking before you go to the store to make the purchase. It can be even harder to say no once you get to the store, so you’ll want to know what you are in for before you get there.” 

Leave the plastic at home. Many of us can explain away spending so much on gifts because we simply charge everything and reason that we can pay it off gradually after the holidays. This is a great way to create a never-ending cycle of consumer debt for yourself. It only creates unnecessary financial stress for you after the holidays. 

“Use your budget to figure out how you can purchase the gifts you want to purchase without putting them on your credit card,” says Tyson. “If you are so cash-strapped that you think it will be difficult to avoid charging gifts, then you may want to sit down with other friends and family and propose a limit on how much gifts can cost this year—or propose no adult gift exchanges at all. Far from being disappointed, it’s likely they’ll view this reprieve from gift-buying as a gift in its own right.” 

Invest in your kids’ financial futures. It may not seem as exciting to your kids as a new iPod, but a contribution to their financial well-being will be appreciated long after such expensive “toys” are obsolete. “Have the grandparents contribute to a college tuition fund or savings account rather than buy them more stuff they don’t need,” suggests Tyson. “Or make one of your gifts to your kids a stock fund portfolio that can start accruing now. Also, make them aware of the budgets and tools you are using to keep your spending in check. The holidays are a great time for them to truly learn that money doesn’t grow on trees.” 

Give the gift of time to your kids. Often, parents buy gifts for their kids with the best of intentions. Either you don’t want to deprive them of the toys and gadgets all of their friends have, or you want to give them the things you didn’t have as a kid. 

“Both of these tendencies are perfectly understandable, but I’ve found that parents who buy too much for their kids often have difficulty changing the habit,” says Tyson. “The holiday season offers great opportunities for you to show your kids how much you love and care for them. For example, you can make time with them each week to watch a holiday film or TV show, go on a walk to see your neighbors’ holiday lights and decorations, or emphasize that giving back message again and take them caroling at a local retirement home. All of these activities cost next to nothing, and they will be fun for the kids and for you!” 

Remember that meaningful gifts don’t necessarily have a big price tag. “Sure, it might be nice to give your mom a brand new TV, but there are other things out there that will be even more meaningful and enjoyable for her—like a photo album with candid shots of the grandkids or something they’ve made for her themselves,” says Tyson. “If you are looking to give a gift that truly means something and that will keep its value for years to come, you are better off looking for nonmaterial gifts to give than for something your gift recipients could get themselves at the local big box store.” 

“Money can easily become the focus of the holidays when it should be the last thing you are thinking about,” says Tyson. “By keeping your spending under control, you can have a great holiday and avoid the sick feeling in the pit of your stomach that occurs when you start getting those credit card bills in the mail. If you prepare properly, you can achieve a happy balance of spending and saving during the holiday season. That’s a great gift in and of itself, for both you and the people you love.” 

To learn more, visit www.erictyson.com.

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I Hate My Job, but What Can I Do about It?’: Expert Reveals How to Change Your Career

November 18, 2011 4:08 pm

The late comedian George Carlin once said, “Do you hate your job? Sorry to hear that. There’s a support group for that. It’s called EVERYBODY, and they meet at the bar!”

As a consultant on employee engagement to major healthcare companies, Melissa Evans understands that feeling well. Her solution to it, however, is a little “uncorporate.”

“It’s a fact that most people don’t like their jobs,” said Evans, also author of Sole to Soul: How to Identify Your Soul Purpose and Monetize It. “According to a recent survey published by Time Magazine, fewer than half of American workers—45 percent—are satisfied with their jobs. This is the lowest percentage since 1987. Gallup reported that this phenomenon also hurt businesses in a significant way. Companies with large numbers of dissatisfied workers experience greater absenteeism and lower productivity. These workers create a turnover rate of 51 percent. Can you imagine working at a company, or trying to run one, that loses half its staff every year?”

That turnover isn’t just from firing or layoffs. According to the US Bureau of Labor Statistics, the number of people who quit their jobs from June 2010 through October 2010 was actually larger than the number of people who lost their jobs. Gallup says all these disengaged employees cost the U.S. economy upwards of $370 billion annually. Evans believes that one key way to turn this around is for employees to look inward before they look outward.

Her solution is for workers to get in tune with potential careers and job choices that plug into their passions as a person. She suggests people ask themselves the following questions:
• What do you want? – In an economy that is dicey at best, it seems like it’s a luxury to only consider the jobs you really want, even if they are in a field in which you may have to start over from the bottom. However, consider the alternative: bouncing from bad job to bad job, hoping the next one will be better than the last, when the real problem may be that you just aren’t doing anything you’re passionate about.
• How do you want to feel? – There is a vast difference between getting up in the morning excited about the day and waking up in the morning with a knot in the pit of your belly, anxious about having to go back to a workplace you can’t stand anymore.
• Why should you change course? – If what you’ve been doing hasn’t worked so far, logic dictates you change what you’re doing. My best advice is to find something that drives your spirit and your intellect and pursue that, before it becomes too late for you to fulfill your dreams. 

“The first thing most people do when they don’t like their job is to look for another one,” she said. “While that’s valid, I have to question the wisdom of running from a bad job as opposed to pursuing a good one. The problem is, most dissatisfied employees identify a good job as one that simply pays a little more and is not where they currently work. A good job, a good career, is far more than that.” 

For more information, visit www.soletosoulbook.com.

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Word of the Day

November 18, 2011 4:08 pm

Qualification. Act of determining a potential buyer’s needs, abilities, and urgency to buy and matching these with available properties.

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Question of the Day

November 18, 2011 4:08 pm

Q: How does a lease option work?

A: A landlord agrees to give a renter an exclusive option to purchase the property. The option price is usually determined at the outset, but not always, and the agreement states when the purchase should take place – whether, say, six months, or a year or two down the road.

A portion of the rent is used to make the future down payment. Most lenders will accept the down payment if the rental payments exceed the market rent and a valid lease-purchase agreement is in effect.

Before you opt to do a lease option, find out as much as possible about how they work. Talk to real estate agents, read published materials, and, in the end, have an attorney review any paperwork before you sign on the dotted line.

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6 Ways to Make a Small Space Look Larger

November 18, 2011 4:08 pm

When a New York family decided to rent out one floor of its two story brownstone, it left them with just 1,200 square feet of living space to be remodeled for their own use.

“It was a daunting project,” said Keith Pandolfi in This Old House magazine. “But they followed some tried-and-true formulas for making small areas look more spacious, and the result was both comfortable and pleasing.”

Pandolfi offers six solutions for opening up small spaces:

• Use paint and flooring wisely – Choose light colors, paint crown moldings white to match the ceilings, and install wood or tile floors in a diagonal pattern to give the impression of more space.
• Try mirrors – One large mirror is a good idea, but two mirrors facing each other create the illusion of more space and light.
• Install a bay window – Bumping out a bay window adds usable square footage and captures more natural light.
• Think vertical cabinetry – Take advantage of high ceilings by installing double cabinets, one above the other, for more storage in a small kitchen. Yes, you will need to use a step stool to access them, but the gain in space may be worth it.
• Build in bookcases – Use “lost” space, such as the foot or so of depth between the fireplace and the living room wall, to build in bookcases to hold knick-knacks and electronic devices as well as books.
• Use double-duty appliances – LGE makes a small microwave and coffeemaker combo that will cook oatmeal and make coffee at the same time in a 23- by 17-inch space. Make best use of limited counter space with appliances like this or a compact washer/dryer combo that can fit under a countertop or into a small closet.

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Money-Saving Winter Tips

November 17, 2011 7:08 pm

Rising heating costs will be a concern for many families this winter, so Amica Insurance is offering tips to help homeowners save money while keeping warm. 

“Now is the time to look around your house to make sure it’s as energy efficient as possible,” said Sean Welch, a senior assistant vice president with Amica Insurance. “Even small things—such as making sure doors and windows are tightly closed or turning your thermostat down a few degrees—can help you save money during the winter months ahead.” 

A good place to start is with your thermostat, Welch said. Make sure it’s not near a heating source or drafts of cold air, to help prevent faulty readings. Consider turning it down, even a degree or two, from what you’re used to. That can save quite a bit over the course of a few months. Also, don’t forget to turn it down while you’re not home and while you’re sleeping. Consider installing a programmable thermostat, which can be set to automatically adjust the temperature for you. 

Here are a few more money-saving tips:
• Shut doors and heating vents in rooms that are seldom used.
• Close curtains and draperies at night, to help preserve the heat. And make sure they’re open on sunny days.
• Use plastic sheets to cover windows and doors that aren’t used during the winter to help prevent drafts.
• Check the weather-stripping around all doors and windows. Repair or replace it in any spots that may make your home drafty.
• Keep dampers closed on fireplaces and stove vents shut when they’re not in use.
• Make sure you don’t have any cracks or openings in your foundation. If you do, fill them with caulking.
• Consider increasing the insulation in your attic and ceilings. If possible, cover the attic entrance with plastic. 

“While it’s great to save money by turning down the heat, never let a particular room or area of a house get too cold or you run the risk of having frozen water pipes that can burst and cause tremendous damage,” Welch said. “If possible, inspect all plumbing pipes leading in and through your house. Any pipes that run through unheated areas—such as attics, crawl spaces or outside walls – should be insulated.” 

“Also, if you’ll be using your furnace a lot this winter, make sure it’s ready to run as efficiently as possible,” Welch says. “Have your furnace inspected and cleaned by a professional and make sure you change the furnace filter regularly.” 

Every little bit helps, so before you turn up the heat, prepare your home for cold weather, Welch said. Hopefully you will save money and have a warm and comfortable winter. 

For more information on protecting your home for winter, visit http://www.disastersafety.org.
 
This is the third in a weekly series of tips Amica Insurance is offering during November to help prepare and protect your home and family this winter. To see the first and second installments of the series visit Amica.com.

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10 Holiday Gift Tips to Keep Families Debt Free

November 17, 2011 7:08 pm

With holiday shopping upon us, I’ve devised a list a list of 10 almost-no-money gift ideas for the whole family this holiday season. These tips will help you keep spending to a minimum, while still offering your loved ones gifts to be treasured. Best of all, you’ll set a good example for your kids on how to give at the holidays without overspending or taking on any credit card debt. 

Make it
Use only what you have at home. We all know that we have enough leftover craft stuff to last us a lifetime. Make a game of finding everything you have and bring it all into the kitchen and then start making a few homemade gifts for those you love. Grandparents especially love this kind of gift. Go ahead, make their day!
Re-gift it
One year my youngest wrapped up a stuffed animal she owned as a holiday present for her older sister. Well, that did not go over so well, as my youngest was 13 and was clearly late to the gift game and trying to make a silk purse out of a sows ear. With just a bit more thought, giving something you really love to someone you really love can be a great gift. 

I give books that I have read and adored. This way my friends get a book that is guaranteed to please. I often include a note with other books that I have read by that author and suggestions they might want to follow up with at the library. 

Kids can re-gift a favorite book, gently used and much-loved toy or even clothing that they have seen a sibling or friend admire. As long as they are willing to share the gift permanently and understand this, it’s a great way to let the person know you were listening. This strategy will also help strengthen a child’s sharing and empathy skills. 

Write it
Letters are so important. In the 21st century we are all inclined to email and text, but a real hand-written or typed letter is now so rare that it truly will get your child’s attention. Use it this holiday as a gift of your time and attention. Tell them how you spent your holidays as a child; what was most important. Pick a moment this year when you were proud of them. Recap a moment they really showed you what they were made of and then wrap the letter as a gift. Because it is a gift – showing you see them and think enough of them to capture this memory on paper for them to read and re-read. 

Forgive it
This is an all-time favorite of my family at New Years–but it can work at Christmas as well. I give them each a free pass on one thing they did wrong but have yet to confess. It’s a brilliant way to hear what might be lurking out there for you as a parent to yet be aware of, and it gets everybody talking about what took place that needs forgiving. 

Craft a “Forgiven” coupon and again, wrap it as a gift with a date and time when all will gather and share what they need to unburden themselves with. 

Acknowledge it
Look around you. There are likely a multitude of things to be grateful for. A word or a letter of acknowledgement is one of the best gifts you can give anyone. Thank your pastor for his or her spiritual leadership. Thank your friends for being there for you. Thank your doctor for his or her compassion. I’m sure that if you sit down for five minutes and think about the blessings in your life you will generate a very long list of people that deserve a gift of your acknowledgement. 

Promise it
My favorite gifts from my kids when they were young – coupons! “Anytime kitchen clean-up”, “shoulder massage”, “one hour of quiet time”, oh there were many such wonderful gifts. Kids made the coupons and wrapped each up and I got to “cash-in” throughout the year.

Grandparents love to get coupons for guaranteed time with grandkids. From face-to-face time to time on the phone or Skyping on the computer on a regular basis—this will be a cherished commitment that will end up being a gift to both grandparents and grandkids. 

This year, as budgets are tight and Christmas is notoriously tough on budgets, because so much money gets spent all at once, try stretching that budget with a coupon. Do the kids love baseball? Coupon them tickets to a home game this summer and add a baseball or t-shirt to the gift to make it fun. 

Tackle it
Everybody in the family can make a list of needs and wants for things that do not cost money, but need someone’s time and talent to do. Then print the lists and cut apart each item from the list separately. (To make sure you do not pick your own, you can either color the paper or use colored paper when you print your list –using a unique color for each family member.) Fold each item “card” up and place them all in Santa’s hat, then on Christmas Day, everybody gets to pick 11. And that becomes the family’s gift to one another. 

What’s on my list this year? Changing light bulbs around the house inside and out. Picking up shoes at the back door and putting them where they belong! Emptying the dishwasher. What kids list will depend on their age, but requests can range from a ride to the library to using the car on Friday night. 

Start it
Set a great example by starting something this year that your kids (or spouse) have been after you to do. Lose weight? Exercise? Cook more meals at home? Eat out more? Read more?

If you have a habit that is stressing out your kids—not to mention your own health—make a gift of quitting, tapering, changing or getting some kind of help that gives them peace. Show them how you plan to tackle the issue, and enlist their help. Everybody wins. 

Bake it
Okay, it does cost time and some money, but baking has long been a tradition for gifting at this time of the year for our family. I have a long list of kids that wait on my chocolate chip banana bread. Attach the recipe to the baked goods and you are good to go! 

Lend it
Make a list of what you have that you would be willing to “lend out” when asked. Maybe you have a snow blower—for those of us here in the Midwest, it’s a welcome gift on those wet, snow days—which you could lend to a friend and neighbor. Take the list and place it in your holiday card and include an email or phone number they can use when they’d like to take advantage of the gift you have offered for use. 

Susan Beacham is CEO of Money Savvy Generation. Susan is an award-winning education entrepreneur and nationally recognized kids and money expert.

For more information, visit http://www.msgen.com.

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Traveling Over the Holidays? Safety First!

November 17, 2011 7:08 pm

Wallet? Check. Passport? Check. Phone charger? Check. According to the Air Transport Association, an estimated 23.2 million air travelers will be going through similar mental checklists this holiday season. However, many will forget the importance of checking personal safety off of their lists. FrontierMEDEX, a global medical, safety and security solutions provider, conducted a survey of more than 400 travelers last week, and found that most travelers place a higher priority on the weather than on their own safety.
According to the survey, only 29 percent of travelers considered the crime rate a primary concern when researching their destination, as compared with 62 percent citing weather and 55 percent citing recreational activities as most important. FrontierMEDEX experts say that a shift in priorities is critical to keeping travelers safe this holiday season. 

A recent study conducted by USA Today found the risk of becoming a crime victim is four times greater than the national average in areas outside most of the nation's big city airports. However, only 51 percent of the FrontierMEDEX traveler safety survey respondents recognized those specific areas as the biggest threat to their personal safety. The number one choice for 73 percent of respondents was city streets, followed by subways at 53 percent. 

“During the holidays, people are carrying large sums of cash in their wallets, purses and bags,” said Charlie LeBlanc, president of security solutions for FrontierMEDEX. “They are in and out of airports and train stations and are distracted by getting to where they need to go, and not paying close attention to their surroundings when traveling. Larger crowds, longer lines, and extra articles to carry like coats, gifts, and luggage create an even greater opportunity for distraction. Being alert and mindful of who and what are around you are crucial to staying out of harm’s way.” 

In an effort to ensure travelers have a safe, and hopefully happy, holiday season, the following are tips from LeBlanc, a leading authority on security principles: 

• Skilled thieves steal smaller items like wallets, passports, and cell phones, so keep a close eye on all your possessions, especially small bags, purses and laptop cases as these are prime targets for airport thieves;
• Do not let your purse or laptop go through the security scanner before you do;
• Carry wallets in front pockets or in a zippered purse or handbag;
• Separate cash and valuables into different bags, so that if your wallet or purse is stolen, not everything will be gone;
• Arrange ground transportation in advance to ensure swift airport departure via a trusted driver you hire or a friend. 

“Most people let their guard down at the train station or airport because of a perceived increase in security,” LeBlanc added. “There are several no-cost things a traveler can do to help reduce the chance of personally becoming a victim of crime. By staying focused, knowing where the greater risks are and following our recommended tips, they’ll increase their personal safety this holiday season. A safe holiday should help to create a happy one.” 

For more information, visit http://www.FrontierMEDEX.com.

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Your Free Range Turkey May Not be All that Free

November 17, 2011 7:08 pm

It's nearly that time of the year again. Family members from across the nation will soon be congregating at your dinner table, eager to get a slice of that free range turkey you purchased at your local grocery store.
Before you selected this year's bird, you probably read its packaging, including the poultry label touting it as "free range." 

But you might wonder what the truth is behind these labels. And what the USDA actually requires of producers. 

In your mind, the phrase "free range" conjures images of an idyllic farm in the countryside. The turkey that is now cooked and prepped for your diners to devour lived a great life in the outdoors, wandering the hillsides and eating only the freshest... whatever it is that turkeys eat. 

Here is what the USDA requires of producers claiming their turkey is free range or free roaming:
"Producers must demonstrate to the Agency that the poultry has been allowed access to the outside."
This might just mean that a bird has been labeled "free range" simply because whatever structure is used to house the animal has access to the outdoors in the form of a small yard. The standard doesn't mandate how long birds can spend outdoors, or how big the outdoors area should be. 

So it could also mean that the turkey did have the dreamy outdoors life that you envisioned it living before it made its way onto your dinner plate. The USDA labeling requirement sets a minimum standard for what's considered free-range. It doesn't set a maximum. 

Savvy shoppers and bird lovers might want to look beyond the "free range" turkey label at the store. Poultry labeling can help you pick the perfect protein course for your Thanksgiving meal, though the requirements may not be as strict as you might think. 

For more information, visit www.findlaw.com.

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