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Thanksgiving Trivia Quiz

© Jeanne Provost

Thanksgiving, that all American holiday is a few days away.  We thought a few trivia questions would be appropriate to spice up your meal.  The answers are below – no peeking!

  1. When was the first Thanksgiving celebration?  1492, 1567, 1621, 1777
  2. What great American statesman lobbied to make the turkey the national symbol?

    Benjamin Franklin, Thomas Jefferson, John Adams, Andrew Jackson

  3. What sound does a female turkey make?

    Gobble, cluck, chirp, peep

  4. What sound does a male turkey make?

    Gobble, cluck, chirp, peep

  5. The dangling skin under a turkey's neck is called?

    Wattle, Weedle, Wuddle, Widdle

  6. Back in the early Thanksgiving celebrations, they also liked sporting events and took bets. Of course it wasn't football back then. Which sport was it?

    Shooting, Archery, Knife Throwing

  7. Approximately what percentage of American homes eats turkey on Thanksgiving?  

    49%, 67%, 82%, 90%

  8. What Native American tribe celebrated the first Thanksgiving with the colonists?
    Wampanoag, Sioux, Choctaw, Arapaho

  9. Who was their chief?

    Massasoit, Pemaquid, Samoset, Squanto

  10. Thanksgiving is celebrated only in the United States.
    True or False?
  11. The first department store to hold a Thanksgiving parade was:

    Montgomery Wards, J. C Penney’s. Gimbels, Macy’s, none of the above

  12. In what year did the first Macy's Thanksgiving parade take place?

    1864, 1894, 1904, 1924

  13. Which balloon was the first balloon in the 1927 Macy's Thanksgiving Day Parade:

    Mickey Mouse, Felix the Cat, Betty Boop, Superman

  14. Thanksgiving became a national holiday thanks to this woman who was an editor of a woman's magazine called "The Godey's Lady's Book":

    Sarah Hale, Sarah Parker, Sarah Bradford, Sarah Standish

  15. Which President was the first to establish Thanksgiving as a legal national holiday to be held the 4th Thursday in November?

    Abraham Lincoln, Franklin D. Roosevelt, Thomas Jefferson, James Madison

  16. Every year the President of the US pardons a turkey and it goes to a public farm called Frying Pan Park, Herndon, VA.  Which president is believed to be the first to pardon a turkey and start this annual tradition?

    Andrew Jackson, Millard Fillmore, Harry Truman, Warren Harding

  17. The first meal eaten on the moon by astronauts Neil Armstrong and Buzz Aldren was a roasted turkey dinner with all the trimmings.  True or False?

  18. Before being harvested and sold, an individual cranberry must bounce at least how many inches high to make sure they aren't too ripe?

    1 inch, 2 inches, 3 inches, 4 inches

  19. Cranberries are native to North America. Which of the following fruits are also native to North America?

    Blueberries, Concord Grapes, Both

  20. In 1943, Norman Rockwell created his famous "Freedom From Want" illustration by using a Thanksgiving dinner as an example of this.  This illustration first appeared on which magazine?

    McCalls, Saturday Evening Post, Life

We hope you have some fun with our Thanksgiving Trivia.  We also wish you a warm and wonderful holiday.  Enjoy each other, eat well, and create some wonderful memories.  At Dean & Draper, we are grateful for our clients, friends, and families.

Dean & Draper is a Trusted Choice insurance agency representing over 200 insurance companies. For over 34 years we have offered a trusted freedom of choice to our clients.  Contact Us.

Thanksgiving Trivia Answers

1. 1621; 2. Benjamin Franklin; 3. Cluck, 4. Gobble; 5. Wattle; 6. Shooting; 7. 90%; 8. Wampamoag; 9. Massasiot; 10. False, Canada celebrates Thanksgiving, too; 11. Gimbels in 1920; 12. 1924; 13. Felix the Cat; 14. Sarah Hale; 15. Franklin D. Roosevelt; 16. Harry Truman in 1947; 17. True; 18. 4 inches; 19. Both; 20. Saturday Evening Post.


Clean Out Your Wallet This Holiday Season

© tashka2000

Before you get the wrong idea, we’re talking about cleaning out the extra credit cards and ID that thieves could use.  While we’re all thinking about those fabulous bargains, there’s one more thing to consider.  Crime peaks during the Holidays.  Yes, we’re out there searching for the perfect gift and distracted by all of those items that scream “Buy me!”  What a great opportunity for pickpockets and identity thieves to strike. 

“Pickpocketing can happen virtually anywhere, and people should be on their guard, especially while shopping this holiday season,” says Ken Chaplin, senior vice president of Experian’s ProtectMyID. “Thieves take advantage of the shopping rush and its inherent distractions to steal wallets and, potentially, identities.”

Kiplinger has provided a great list of things you should leave at home this Holiday season in their article “8 Things Not to Keep in Your Wallet This Holiday Season” by Emily Inverso.  To see the entire Kiplinger article, click here.  Here’s the condensed list:

A Stack of Receipts. Crafty ID thieves can use the limited credit card and merchant information to phish for you account numbers.  Clear out those receipts each night. 

Your Social Security Card and anything with the number on it.  Your nine-digit Social security number is all an ID thief needs to open new credit card accounts or get loans.  Take out you Medicare card as well.  It contains your Social security number, too.

Password Cheat Sheet.  The average American uses at least 7 different passwords.  No wonder we all need a little help remembering them.  However, carrying a list of PIN numbers and passwords in your wallet is truly a prescription for disaster.  Consider an encrypted mobile app, such as SplashID Basic version is free on all major platforms, Password Safe Pro (free, Android only) or Pocket (free, Android only). 

Spare Keys.  So, your wallet is stolen and contains your driver’s license with your home address.  Storing a spare key in your wallet is like an open invitation for burglars. 

Checks.  Blank checks are an easy way for thieves to quickly withdraw money from your checking accountWith the routing and account numbers on your check, anybody could electronically transfer funds from your account. 

Passport.  Any government-issued ID opens a world of opportunities for an ID thief.  In most cases, they can use the ID to travel in your name, open bank accounts, or even getting a new copy of your Social Security card. 

Multiple Credit Cards.  Can’t imagine Holiday shopping without your credit card?  We’re not suggesting that you go cardless – how about lightening the load?  Take a single card or two with you on your shopping trip.  And maintain a list of the cancellation numbers for your cards in a safe place. 

Birth Certificate.  Most of us don’t have our birth certificates folded up in our wallets.  However, you could be required to present a host of identification on occasion – like closing a mortgage.  There you are with everything a thief could wish for in one envelope.  Take the time to secure those papers immediately.  Don’t leave them in your car.

And when you’re finished removing your wallet’s biggest information leaks, take a moment to photocopy everything you’ve left inside, front and back. Stash the copies in a secure location at home or in a safe-deposit box. The last thing you want to be wondering as you're reporting a stolen wallet is, “What exactly did I have in there?”

At Dean & Draper we wish you a great Holiday Season.  We want to be a resource for you and welcome your questions about insurance or your policies.

Dean & Draper is a Trusted Choice insurance agency representing over 200 insurance companies. For over 34 years we have offered a trusted freedom of choice to our clients.  Contact Us. 

Insurance Myths – Houses, Red Cars, and Big Crashes

© Christopher Dodge - Fotolia

Who knows how myths get started?  One thing for sure, the more you hear them the more likely you are to believe those untruths.  In a recent survey, Insure.com found some interesting results as reported by Amy Danise in her article Biggest Insurance Myths Involve Houses, Red Cars, and Big Crashes. 

“Any confusion over what to buy or how to use a product can end up being costly, but when it comes to insurance, misunderstandings can end up costing thousands of dollars.”

“We set out to find the worst sources of confusion, based on 10 common insurance myths. Insure.com asked 2,000 adults whether 10 statements were true or false. All the statements were false. We also looked at who believes each myth more – women or men.  In all cases except one, men were more likely to be duped by an insurance myth.

Coming in as the top myth: Over half of people surveyed (52 percent) don’t know how to buy insurance for a house.”  Click here for the Insure.com article.

What were the 10 myths?  We thought we would share them below.

Myth 1: "I should buy insurance coverage for my house based on its real estate market value"

Myth 2: "Red cars cost more to insure"

Myth 3: "If I cause a crash with extensive damage to others, my auto insurance company can cancel me immediately"

Myth 4: "Small cars are the cheapest to insure"

Myth 5: "The Affordable Care Act (also called Obamacare) allows health insurance companies to base rates on medical conditions such as high blood pressure, heart disease and cancer"

Myth 6: "Comprehensive auto insurance covers everything and anything"

Myth 7: "Thieves prefer to steal new cars"

Myth 8: "If my friend borrows my car and crashes it, their insurance will pay for damage"

Myth 9: "The Affordable Care Act requires me to take the health insurance plan offered by my employer"

Myth 10: "Out-of-state speeding tickets can't follow you home"

At Dean & Draper, we’re all about demystifying insurance.  We welcome your insurance questions.  Contact Us 

Dean & Draper is a Trusted Choice insurance agency representing over 200 insurance companies. For over 34 years we have offered a trusted freedom of choice to our clients.  Contact Us.


Home Cooked Thanksgiving Meal Could be Risky Business

© Brent Hofacker - Fotolia

According to statistics from the National Fire Protection Association (NFPA), Thanksgiving is the peak day of the year for home cooking fires.  A study by State Farm indicates that grease and cooking-related claims more than double on Thanksgiving Day compared to an average day in November.  Texas also has the dubious distinction of leading the country in Thanksgiving Day claims in State Farm’s survey.  While we’re all looking forward to our favorite dishes, we thought we’d collect some tips to keep your Thanksgiving on track. 

Based on 2007 – 2011 annual averages, the NFPA lists these six items as the top reasons for cooking fires.

  • Unattended cooking was by far the leading contributing factor in these fires.

  • Two-thirds (67%) of home cooking fires started with the ignition of food or other cooking materials.

  • Clothing was the item first ignited in less than 1% of these fires, but these incidents accounted for 15% of the cooking fire deaths.

  • Ranges accounted for the largest share (57%) of home cooking fire incidents. Ovens accounted for 16%.

  • More than half (55%) of reported non-fatal home cooking fire injuries occurred when the victims tried to fight the fire themselves.

  • Frying poses the greatest risk of fire.

The growing popularity of deep frying turkeys has contributed to the Thanksgiving Day disasters.  Though a deep fried turkey is very good, the actual frying can be extremely dangerous. According to the U.S. Fire Administration (USFA), nearly 4,300 fires occur on Thanksgiving causing 15 deaths and almost $27 million in property damage, many of them due to deep frying accidents.

If you intend to deep fry your bird, let’s start with figuring out how to make sure the hot oil doesn’t overflow into the fire.

Most deep fried turkey recipes call for peanut, corn or canola oil—but just how much oil is necessary? Many turkey frying accidents happen when too much cooking oil is used and spills over the pot, catching fire when the turkey is dropped in.

Here is a simple way to figure out how much oil to use:

  • Place the turkey - still in the plastic wrap - in pot
  • Fill with water until the turkey is covered by about 1/2 inch of water
  • Remove and dry turkey (a wet turkey can cause oil to splatter latter)
  • Mark water level. Dump water, dry the pot, and fill with oil to the marked level

The U.S. Consumer Product Safety Commission (CPSC) says that most turkey frying accidents occur while the oil is being heated, prior to even adding the turkey. This means we must be extra vigilant when heating the oil, and turn off the fryer immediately if any smoke appears.

The CPSP also thoughtfully provided these additional tips.

  • NEVER leave a fryer unattended.
  • Place fryer in an open area AWAY from all walls, fences, or other structures.
  • Never use your fryer IN, ON, or UNDER a garage, breezeway, carport, porch, or any structure that can catch fire.
  • Completely thaw (USDA says 24 hours for every 4 to 5 pounds) and dry turkey before cooking. Partially frozen and/or wet turkeys can produce excessive hot oil splatter when added to the oil.
  • Center the pot over the burner on the cooker.
  • Raise and lower food SLOWLY to reduce splatter and avoid burns.
  • COVER bare skin when adding or removing food.
  • Check the oil temperature frequently.
  • If oil begins to smoke, immediately turn gas supply OFF.
  • If a fire occurs, immediately call 911. DO NOT attempt to extinguish fire with water.

We would also like to add that having a fire extinguisher in your kitchen are is always a great idea.  For information on which type of extinguisher and how large, here’s the link to the NFPA fire extinguisher page.  Click here. 

For great information about thawing, preparing, and cooking your turkey our friends at Butterball have it all laid out for you.  Click here. 

We wish you a happy and safe Thanksgiving. 

Dean & Draper is a Trusted Choice insurance agency representing over 200 insurance companies. For over 34 years we have offered a trusted freedom of choice to our clients.  Contact Us

Selling to Millennials: Just Who are They Anyway?


Seems like everywhere you turn these days, you hear about the “Millennial” generation.  Clearly their influence is being felt across our country.  They are also possibly the most researched generation in our history.

The Pew Research Center, an American think tank organization, defined "adult Millennials" as those who are 18 to 33 years old, born 1981–1996.  According to them, the youngest Millennials are still "in their teens" with "no chronological end point set for them yet".  Another chart by the organization lists the Millennial birth range as 1981–1998.  To see the full report, click here..

According to the Pew Social Trend report, millennials are the American teens and twenty-somethings who are making the passage into adulthood at the start of a new millennium — have begun to forge their generation: confident, self-expressive, liberal, upbeat and open to change. 

They are more ethnically and racially diverse than older adults. They’re less religious, less likely to have served in the military, and are on track to become the most educated generation in American history.  Their entry into careers and first jobs has been badly set back by the Great Recession, but they are more upbeat than their elders about their own economic futures as well as about the overall state of the nation

They embrace multiple modes of self-expression. Three-quarters have created a profile on a social networking site. One-in-five have posted a video of themselves online. Nearly four-in-ten have a tattoo (and for most who do, one is not enough: about half of those with tattoos have two to five and 18% have six or more). Nearly one-in-four have a piercing in some place other than an earlobe — about six times the share of older adults who’ve done this. But their look-at-me tendencies are not without limits. Most Millennials have placed privacy boundaries on their social media profiles. And 70% say their tattoos are hidden beneath clothing.

So, just how do the rest of us meet the millennial in the marketplace?  Melissa Hillebrand offers some tips in a PropertyCasualy360 article, The 5 Rules for Winning Over Millennial Customers.  To read more, click here.

Be a trusted advisor

Despite their reputation for living entirely online, many millennials respond well to in-person interactions, especially in the workplace. Be available in person and be available to help. 

Engage millennials with technology

Offer multiple channels, including online, phone, and social media, to enhance your credibility and reach millennial customers where they are most comfortable.

Update your website

Increase conversion rates and capture more customers with a more prominent, better designed online presence. Remember, your site will likely be millennial customers' first contact with you -- make sure you give them a good impression.

Use a cloud-based agency management system

Allow your sales staff to service clients remotely and for clients to access their account information online. Not only is it a value-add for the client, but it makes account management easier for everyone.

Leverage tech solutions

Provide online self-service capabilities that make it easier for millennials to do business on their terms.

To see the complete article, The 5 Rules for Winning Over Millennial Customers, click here 2.

At Dean & Draper, we have served generations of clients and invite your calls, questions, and comments. 

Dean & Draper is a Trusted Choice insurance agency representing over 200 insurance companies. For over 34 years we have offered a trusted freedom of choice to our clients.  Contact Us.


Who Knew? Curious Uses for WD-40

Scoiattolo© Nikokvfrmoto

Welcome to a new addition to the Dean & Draper blog topics – Who Knew?  We always want to provide you with ideas you can use and really enjoy the sending you on occasion some unusual and slightly strange information. 

Right after the required duct tape, just about every household has a can of WD-40 stashed on a shelf.  Reader’s Digest recently published over 50 ways to use WD-40.  We selected our top 10 favorites to send to you. 

1.    Use WD-40 to protect a bird feeder.  To keep squirrels from taking over a bird feeder, spray a generous amount of WD-40 on top of the feeder. The pesky squirrels will slide right off.

2.    Remove chewing gum from hair.  It’s one of an adult’s worst nightmares: chewing gum tangled in a child’s hair. You don’t have to panic or run for the scissors. Simply spray the gummed-up hair with WD-40, and the gum will comb out with ease. Make sure you are in a well-ventilated area when you spray and take care to avoid contact with the child’s eyes.

    3.    Keep wasps from building nests.  Don’t let yellow jackets and other wasps ruin your spring and summer fun. Their favorite place to build nests is under eaves. So next spring mist some WD-40 under all the eaves of your house. It will block the wasps from building their nests there.

      4.    Remove doggie-doo.  Uh-oh, now you’ve stepped in it! Few things in life are more unpleasant than cleaning doggie-doo from the bottom of a sneaker, but the task will be a lot easier if you have a can of WD-40 handy. Spray some on the affected sole and use an old toothbrush to clean the crevices. Rinse with cold water and the sneakers will be ready to hit the pavement again.

        5.    Remove strong glue.  You didn’t wear protective gloves when using that super-strong glue and now some of it is super-stuck to your fingers! Don’t panic. Just reach for the WD-40, spray some directly on the sticky fingers, and rub your hands together until your fingers are no longer sticky. Use WD-40 to remove the glue from other unwanted surfaces as well.

          6.    Loosen zippers.  Stubborn zippers on jackets, pants, backpacks, and sleeping bags will become compliant again after you spray them with WD-40. Just spray it on and pull the zipper up and down a few times to distribute the lubricant evenly over all the teeth. If you want to avoid getting the WD-40 on the fabric, spray it on a plastic lid; then pick it up and apply it with an artist’s brush.

            7.    Remove decals.  You don’t need a chisel or even a razor blade to remove old decals, bumper stickers, or cellophane tape. Just spray them with WD-40, wait about 30 seconds, and wipe them away.

              8.    Remove marker and crayon marks.  Did the kids use your wall as if it was a big coloring book? Not to worry! Simply spray some WD-40 onto the marks and wipe with a clean rag. WD-40 will not damage the paint or most wallpaper (test fabric or other fancy wall coverings first). It will also remove marker and crayon marks from furniture and appliances.

                9.    Untangle fishing lines.  To loosen a tangled fishing line, spray it with WD-40 and use a pin to undo any small knots. Also use WD-40 to extend the life of curled (but not too old) fishing lines. Just take out the first 10 to 20 feet of line and spray it with WD-40 the night before each trip.

                  10. Keep dead bugs off car grille.  It’s bad enough that your car grille and hood have to get splattered with bugs every time you drive down the interstate, but do they have to be so darn tough to scrape off? The answer is no. Just spray some WD-40 on the grille and hood before going for a drive and most of the critters will slide right off. The few bugs that are left will be easy to wipe off later without damaging your car’s finish.

                  You’ve just seen our top 10 favorites for using WD-40.  If you would like to see the Reader’s Digest complete list of ideas, click here.  We hope that you’ve found some new ideas for your trusty can of WD-40.

                  Dean & Draper is a Trusted Choice insurance agency representing over 200 insurance companies. For over 34 years we have offered a trusted freedom of choice to our clients.  Contact Us.

                  October is National Cyber Security Month


                  October 2014 marks the 11th Annual National Cyber Security Awareness Month sponsored by the Department of Homeland Security in cooperation with the National Cyber Security Alliance and the Multi-State Information Sharing and Analysis Center.  With the continued threat of cyber breaches and online security risks, we all need increased awareness plus tips and ideas to assure the security of our business and personal data. 

                  The Tips below are from the National Cyber Security Alliance and the Stop Think Connect program. 

                  Keep a Clean Machine.

                  • Keep security software current: Having the latest security software, web browser, and operating system are the best defenses against viruses, malware, and other online threats.

                  • Automate software updates: Many software programs will automatically connect and update to defend against known risks. Turn on automatic updates if that’s an available option.

                  • Protect all devices that connect to the Internet: Along with computers, smart phones, gaming systems, and other web‐enabled devices also need protection from viruses and malware.

                  • Plug & scan: “USBs” and other external devices can be infected by viruses and malware. Use your security software to scan them.

                  Protect Your Personal Information.

                  • Secure your accounts: Ask for protection beyond passwords. Many account providers now offer additional ways for you verify who you are before you conduct business on that site.

                  • Make passwords long and strong: Combine capital and lowercase letters with numbers and symbols to create a more secure password.

                  • Unique account, unique password: Separate passwords for every account helps to thwart cybercriminals.

                  • Write it down and keep it safe: Everyone can forget a password. Keep a list that’s stored in a safe, secure place away from your computer.

                  • Own your online presence: When available, set the privacy and security settings on websites to your comfort level for information sharing. It’s ok to limit how and with whom you share information.

                  Connect with Care.

                  • When in doubt, throw it out: Links in email, tweets, posts, and online advertising are often the way cybercriminals compromise your computer. If it looks suspicious, even if you know the source, it’s best to delete or if appropriate, mark as junk email.

                  • Get savvy about WiFi hotspots: Limit the type of business you conduct and adjust the security settings on your device to limit who can access your machine.

                  • Protect your $$: When banking and shopping, check to be sure the sites is security enabled. Look for web addresses with “https://” or “shttp://”, which means the site takes extra measures to help secure your information. “Http://” is not secure.

                  Be Web Wise.

                  • Stay current. Keep pace with new ways to stay safe online. Check trusted websites for the latest information, and share with friends, family, and colleagues and encourage them to be web wise.

                  • Think before you act: Be wary of communications that implores you to act immediately, offers something that sounds too good to be true, or asks for personal information.

                  • Back it up: Protect your valuable work, music, photos, and other digital information by making an electronic copy and storing it safely.

                  Be a Good Online Citizen.

                  • Safer for me more secure for all: What you do online has the potential to affect everyone – at home, at work and around the world. Practicing good online habits benefits the global digital community.

                  • Post only about others as you have them post about you.

                  • Help the authorities fight cybercrime: Report stolen finances or identities and other cybercrime to http://www.ic3.gov (Internet Crime Complaint Center), the Federal Trade Commission at http://www.onguardonline.gov/file‐complaint.

                  Visit http://stopthinkconnect.org more helpful information.

                  Before your business becomes a cyber target, consider Cyber Breach Insurance.  At Dean & Draper, we welcome the opportunity to talk with you about your needs and to explain the choices of coverage.  Contact Us.

                  Dean & Draper is a Trusted Choice insurance agency representing over 200 insurance companies. For over 34 years we have offered a trusted freedom of choice to our clients.  Contact Us.


                  Health Alert – Ebola Virus in Texas

                  © fotoliaxrender

                  With the first U.S. case of Ebola virus just up the road in Dallas, we’re all getting jumpy about this deadly disease.  So, how prepared is Houston in case the virus spreads? 

                  In an October 1, 2014 article in the Houston Chronicle, Dr. Kenneth Maddox, chief of staff at Ben Taub General Hospital outlined Houston’s Ebola plan.

                  "We spent a fair amount of time developing this strategy to identify and safely treat at-risk patients," said Dr. Kenneth Mattox, chief of staff at Ben Taub General Hospital. "We are dependent on individuals to follow all the steps and exercise proper judgment, but the protocol is in place to make sure no Ebola patient is prematurely discharged."

                  Mattox said the need to follow the protocol is critical because it could be easy to confuse Ebola symptoms with those of so many other, less deadly conditions. He said Ebola symptoms are identical to those of 20 other diagnoses, such as malaria, dengue fever, West Nile and the flu.

                  Dr. Thomas Geisbert, an Ebola expert at the University of Texas Medical Branch at Galveston, said that the miscue in Dallas likely will put hospitals in Houston and throughout the country on alert and make it less likely the incident will be repeated.

                  Houston health officials were quick to note that U.S. hygienic conditions and infection control procedures would prevent any rapid or sustained transmission of Ebola here.

                  CDC Responds to the 2014 Ebola Outbreak

                  As Center for Disease Control experts work 24/7 in response to the Ebola Outbreak in Guinea, Liberia, Sierra Leone, and Nigeria, they support the response in many different capacities. In an effort to get the worst Ebola outbreak in history under control, CDC is not only providing guidance to healthcare professionals but traveling back to West Africa to focus on stopping the spread of the disease.  To see their individual stories, click here 

                  How is Ebola Transmitted?

                  According to the World Health Organization (WHO), Ebola is spread through direct contact with the bodily fluids of infected animals and humans.

                  “It is thought that fruit bats of the Pteropodidae family are natural Ebola virus hosts. Ebola is introduced into the human population through close contact with the blood, secretions, organs or other bodily fluids of infected animals such as chimpanzees, gorillas, fruit bats, monkeys, forest antelope and porcupines found ill or dead or in the rainforest."

                  "Ebola then spreads through human-to-human transmission via direct contact (through broken skin or mucous membranes) with the blood, secretions, organs or other bodily fluids of infected people, and with surfaces and materials (e.g. bedding, clothing) contaminated with these fluids."

                  "Health-care workers have frequently been infected while treating patients with suspected or confirmed EVD. This has occurred through close contact with patients when infection control precautions are not strictly practiced.”

                  To see the complete WHO Ebola Fact Sheet, click here.

                  30 Ebola Facts

                  Melissa Hillebrand not only covers the scary facts about Ebola in her October 1, 2014 article for PropertyCasulaty360, 30 Ebola Facts That Will Make You Cringe, Plus 7 Ways to Manage the Risk, she also discusses the insurance risks in the areas of General Liability – alleged negligence in exposure for customers or employees; Workers Compensation – exposure due to business travel; and Property/Business Interruption – due to temporary facility closures.  To read the entire article, click here. 

                  We invite you to call or contact us if you have questions about your insurance or getting additional specialized coverage.  

                  Dean & Draper is a Trusted Choice insurance agency representing over 200 insurance companies. For over 34 years we have offered a trusted freedom of choice to our clients.  Contact Us.

                  October is Breast Cancer Awareness Month

                  © ilzesgimene - Fotolia.com

                  The statistics are stunning.  Each year in the United States, more than 200,000 women get breast cancer and more than 40,000 women die from the disease according to the Center for Disease Control.  It is the second leading cause of cancer death in women, after lung cancer.  The chance of a woman having invasive breast cancer during her life is about 1 in 8. The chance of dying from breast cancer is about 1 in 36.  Right now there are more than 2.8 million breast cancer survivors in the United States.

                  Most breast cancers are found in women who are 50 years old or older, but breast cancer also affects younger women. About 11% of all new cases of breast cancer in the United States are found in women younger than 45 years of age.  Black women have the highest breast cancer death rates of all racial and ethnic groups, and are 40% more likely to die of breast cancer than white women.

                  Second only to skin cancer, breast cancer is the most common cancer among American women.  Getting regular mammograms allows any cancer to be discovered early when treatment is more effective.  Most insurance companies and Medicare cover the cost of mammograms. And, in many parts of the U.S., low-cost or free mammograms are offered through national programs and community organizations.

                  Komen Affiliates fund breast cancer education, screening and treatment projects for those who need it most. Find an Affiliate in your area to learn what resources are available. Or, call our breast care helpline at 1-877 GO KOMEN (1-877-465-6636) to help find low-cost options in your area.  For more information, click here. .

                  A great way to fight breast cancer is to have a plan that helps you detect the disease in its early stages. Create your Early Detection Plan to receive reminders to do breast self-exams, and schedule your clinical breast exams and mammograms based on your age and health history. An Early Detection Plan enables you to be proactive about your health by reminding you to do monthly breast self-exams and schedule clinical breast exams and mammograms – and the app or plan is FREE.  Click here to get started on your plan.

                  Want a good tool to assess breast cancer risk levels?  The Breast Cancer Risk Assessment Tool is an interactive questionnaire designed by scientists at the National Cancer Institute (NCI) and the National Surgical Adjuvant Breast and Bowel Project (NSABP) to estimate a woman's risk of developing invasive breast cancer.   Click here for the assessment. 

                  Are you looking for ways to support Breast Cancer Month?  A good start is the Susan G. Komen Houston Race for the Cure on Saturday, October 4, 2014.  To register for the race or get more information, click here.  For a complete list of events in Houston for Breast Cancer Awareness Month, click here.

                  Have questions about your health insurance coverage?  At Dean & Draper, we invite you to call with your questions or concerns.  Contact Us. 

                  Dean & Draper is a Trusted Choice insurance agency representing over 200 insurance companies. For over 34 years we have offered a trusted freedom of choice to our clients.  Contact Us. 

                  Health Expenses, Health Insurance, and Saving Money

                  © Les Cunliffe - Fotolia.com

                  We’re all interested in saving money on just about everything.  Our friends at AARP have compiled an interesting list of ideas from three experts - Holly Phillips, contributor to CBS News; Patricia Barry, author of Medicare for Dummies; and Nancy Medcalf, senior editor of Consumer Reports.  We thought you would find some suggestions that you could use in the article below. 

                  13 Ways to Lower Health Expenses

                  Tips from Holly Phillips, internist and medical contributor for CBS News:

                  1. Switch to generic drugs. The price is usually lower, as well as the copay.

                  2. Don't smoke. Cigarette smokers pay more for insurance and require more medications and doctors visits. Cigarette smoking costs the United States up to $333 billion annually, including at least $130 billion in health care costs.

                  3. Ask about independent facilities for radiologic tests. Having an MRI at a hospital costs an average of $1,200, but the same procedure at independent radiologic facilities costs about half that.

                  4. Take advantage of wellness benefits. Many employers offer incentives for participation in exercise and other health programs.

                  5. Take your medications regularly. Many costly hospital visits are for conditions (like asthma or high blood pressure) that were managed well with medications until they worsened when the patients skipped doses.

                  6. Eat veggies. Vegetable intake is inversely correlated with diabetes incidence. And diabetes drives up insurance costs. The more colorful your veggies, the better.

                  Tips from Patricia Barry, AARP Media editor and author of Medicare for Dummies:

                  7. Sign up for Medicare at the right time. Missing your deadline could cost a lot in late penalties, which would be added to your premiums for all future years.

                  8. Pick a prescription drug plan wisely, according to the drugs you take. Plans charge different copays — sometimes varying by more than $100 a month for the same drug. To compare costs, go to Medicare's website or call 800-633-4227.

                  9. Check out programs that reduce Medicare costs. If your income is low, you may qualify for a Medicare Savings Program (under which states pay premiums and other expenses) and/or low-cost drug coverage under Part D's Extra Help program. For details call Social Security at 800-772-1213 or go to Social Security's website.

                  10. Choose the right doctor. A physician who accepts Medicare "on assignment" cannot charge more than the Medicare-approved amount. Otherwise, your share of the cost can be up to 15 percent greater. Medicare pays nothing if you see a doctor who has opted out of the program.

                  11. Read the Annual Notice of Change in which your Medicare Advantage or Part D drug plan lists all its changes for the following year, then compare it with other plans during open enrollment and consider switching to another that gives you a better deal.

                  Tips from Nancy Metcalf, senior editor, Consumer Reports:

                  12. Register on your health insurer's website. Many allow you to look up in-network prices of common services, which can vary by a factor of two or three depending on the provider.

                  13. If your health plan has high prescription copays, check to see whether you could get a better price paying cash at a major pharmacy chain or warehouse store.

                  At Dean & Draper we invite you to call us with your health insurance questions.  We welcome the opportunity to talk with you, provide information, and assist you in making choices. 

                  Dean & Draper is a Trusted Choice insurance agency representing over 200 insurance companies. For over 34 years we have offered a trusted freedom of choice to our clients.  Contact Us. 

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