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Halloween Safety Tips

Thursday, October 28, 2010

halloween2.jpgHalloween is one of the most exciting holidays of the year! You get to dress up, have fun, watch spooky movies and eat lots of candy! Although this holiday is a happy one, it could become dangerous if some precautions are not taken. Here are some trick or treating and decorating tips to be safe this upcoming Halloween.

Trick or treating tips to safety:

  • It is always wise to go online and see if there are sex offenders in your area, map out their houses and make sure your kids stay away! 
  • Always keep an eye on your child when trick or treating.
  • Make sure costumes are made out of fire retardant material or fire proof and make sure the costume is comfortable to walk in (a scraped knee might ruin the Halloween fun!).
  • Carry a flash light or some type of reflective stripe to allow drivers to easily see the trick or treaters.
  • Wait to get home before allowing children to consume any candy. Parents need to inspect all candies first; do not let children eat unwrapped, open or suspicious candy.

 Spooky decoration safety tips:

  •  Take caution with candles, make sure if Jack O’ Lantern have candles inside that they are out of children’s reach or switch out the candles for battery powered lights (a safer choice). 
  • Do not over power your electrical outlet. 
  • Make sure the lights or items that require electricity are certified for outside use if that is where you are going to place them. 
  • If you decide to create a haunted house on your property, you may want to call Salmon Agency for extra insurance that day. This will protect you if someone happens to become injured inside your property.

From our Salmon Agency family to yours, we hope you enjoy the holiday and be safe this Halloween. If you have any insurance questions or concerns this holiday season, our experts are only a phone call away at 407-365-1766.

College Students and Parents: Expect the Unexpected

Thursday, October 14, 2010

Are you a college student or parent? A new college school year means a new apartment/house, new roommates and new adventures. College students aren't usually prepared to deal with unexpected disasters that come along with living alone in a new place, and far away from home. This could mean a fire, an overflowed kitchen or bathroom, or any other unexpected emergency. These events can be prevented with the right precautions and the right tools. Make sure to have the electronics plugged into surge protectors, especially here in Florida with those unpredictable thunderstorms. You’ll also want to make sure you have a plunger on hand, a mop and a fire extinguisher!

After properly equipping your place with these handy tools, the next step is to make a plan in the case of unexpected events occurring. Make sure to also draw a map identifying where the fire extinguisher, the circuit breaker, the plunger and the fire detectors are located. Share your plan and map with your roommates (if you have any) and post in a conspicuous location.

Now, for your quick tips and solutions:

  • Electrical problems? Live wires or electrical surges? Shut off the circuit breaker.
  •  Remember to unplug all heat producing electronics when you leave the house (i.e. irons, curling irons, hair straighteners and hair dryers).
  • Overflowed bathroom? Close the water valve and mop up the water before furniture and carpets get ruined. Get the plunger and start unclogging.
  • Make sure to clean off the stove before cooking something new; old food remains could help start a fire.
  • Do not heat food in containers not approved for heating and take food out of aluminum containers.
  • Expensive electronics in the house? Make sure to locate them in areas that don’t cause temptation for burglary. Keep the blinds closed and always lock the doors.

Since you are either alone or living with strangers in your new apartment/house, it's important to be ready for anything that might come up. New responsibilities arise with a new apartment and new roommates. The Salmon Agency also offers renters insurance that can help cover unexpected events! Call 407-365-1766 to chat with our team of experts about coverage for your new or returning college student.

Domestic Violence Awareness Month

Thursday, October 7, 2010

DVAM-Purple-Ribbon-731880.gifMany people know that October is Breast Cancer Awareness month, a very important issue; but did you know that October is also Domestic Violence Awareness Month? It’s no secret to my clients and friends that the prevention of domestic violence and helping domestic violence victims is one of my passions in the community. What you may not know is that I am lucky to be working with an incredible company that provides invaluable assistance through economic empowerment and other programs to victims and survivors of domestic violence.

In celebration of Domestic Violence Awareness Month, this Friday morning I’ll be joining my fellow board members at the Harbor House of Central Florida 34th Annual Domestic Violence Awareness Fundraising Breakfast to listen to keynote speaker, Tiffany Carr, the Chair of the National Network to End Domestic Violence and stories of survival. Harbor House has a very unique approach and great programs for domestic violence intervention, awareness and prevention. They also recently co-hosted a walk, Paws for Peace, to raise awareness about the link between animal abuse and domestic violence.

Whether it’s the newly renovated site for The Office for Victims of Crime with resources, statistics, and general information about programs offered through the federal government, the Allstate Foundation and their Click to Empower or Tell a Gal Pal Program or getting involved with a local non-profit that helps eliminate domestic violence in the community like Harbor House; there are countless ways to become more informed and engaged. You can easily make a donation to Harbor House – for as little as $40, the cost of dinner out (without drinks), you can shelter a survivor fleeing a violent relationship! So join me in making a donation and wearing a purple ribbon this month in honor of the numerous voices – both silent and outspoken – of the victims and survivors of domestic violence; YOU can make a difference today!

The Salmon Agency (www.salmonagency.com) is a trusted resource for insurance and financial planning needs since 1999.

Homeowner's Defense Act: Your Best Defense Against Natural Disasters

Friday, August 20, 2010

Capitol HillThe Homeowner’s Defense Act of 2009 was introduced last year to ensure that homeowners would be better prepared for catastrophic events and that coverage would be available for those at the greatest risk. This comprehensive and effective bill would only cost American’s $1.75 annually over the next four years. Here’s a brief overview of the Homeowner’s Defense Act in less than a minute: 

  • Ensures accessibility of homeowners’ insurance policies for Americans living in disaster-prone areas.
  • Improves relief, response and recovery after large-scale natural disasters.
  • Implements a voluntary program working within the current framework of state regulatory systems.
  • Expands consumer catastrophe education programs.
  • Establishes catastrophe funding at state and national level.
  • Encourages responsible development and homeowner mitigation.

The Homeowners' Defense Act of 2009 also establishes the National Catastrophe Risk Consortium as a nonprofit, nonfederal entity in order to act as a centralized place for helping manage the legal and financial effects of natural disasters.

This bill would help ensure that individuals and communities devastated by natural catastrophes have the resources necessary to repair, rebuild and recover in the aftermath of massive hurricanes, earthquakes or other natural events. Take action today by writing to your representative and telling them to support the act.  Click here for an outline of the letter.

Join Us This Saturday for our Summer End Fest!

Thursday, August 12, 2010

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It’s been a long, hot summer and many families are looking forward to getting to the cooler fall days. First though, we all have that fateful event that all families with young children face, Back to School! We wanted this Back to School to be better than ever, so we spoke with other local businesses and decided to celebrate the end of a wonderful summer and start of a successful school year with our community. The Salmon Agency is proud to partner with other Oviedo-based businesses through the Oviedo Professional Alliance to sponsor the 2010 Summer End Fest.

You are invited to come out with your family and friends this Saturday, August 14th between 3:30 and 7:30 PM at River Run Seminole Campus and join us for live music from Dana Kamide and Blender, great food and family fun. There will even be hot air balloon rides! If you pre-register for the event, you can win any of $10,000 worth of prizes, ranging from free chiropractic services, to a free cruise! We will also have a line-up of VIP guests, including 2009 Miss Florida, Rachael Todd. The best part is that all proceeds will go to Oviedo schools, providing much needed supplies!

Please visit our event page to pre-register for the Summer End Fest.

You can help us as we benefit Oviedo Education! Please join us for this free event as we continue to give back to our community and show our customers how much we appreciate them!

 

Summer End Fest 2010

Saturday, August 14, 2010, 3:30  to 7:30PM 

River Run Seminole Campus 
141 River Run Point
Chuluota, FL 32766

Lincoln Salmon is the owner and founder of Salmon Agency (www.salmonagency.com). He is an active community leader and a trusted resource for insurance and financial planning needs since 1999.

Your Easy Guide to Life Insurance

Thursday, August 5, 2010

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Life insurance provides security to families in the event that a spouse and/or parent dies. However, making the decision to obtain life insurance requires serious consideration as the wrong kind of insurance can quickly become a financial nightmare for loved ones when it comes time to use the policy. Salmon Agency offers three forms of life insurance policies: term, and whole life and universal which are both permanent insurance. Here’s a brief description of each:

Term Insurance

This is the simplest type of insurance and it provides coverage for a specified number of years for a specific premium. In the event of sudden death, the beneficiary will receive the value of the policy. This type of life insurance has no savings or investment component to it; if the term ends and there is no death, you won’t receive any money back.

Whole Life Insurance

This is similar to term life insurance, but you purchase the policy to cover your whole life not just a set period. Premiums remain level throughout the life of the policy, and at least a portion of your premiums is invested into bonds, money markets or stocks. Some firms share investment proceeds with policyholders in the form of a dividend. Many companies will offer a relatively low guaranteed rate of return, but in reality pay at a rate in excess of the guarantee.

Universal Insurance

This insurance is intended to provide permanent coverage with greater flexibility in premium payment and the potential for a higher internal rate of return. The investment and the returns go into a cash value account, which you can use against premiums or allow it to build over time. With some policies, sometimes called Type I or Type A, the cash account goes toward the face value of the policy upon death of the policyholder. With a second variety, sometimes called Type II or Type B, the beneficiary receives the face value of the policy plus all or most of the cash account. While Type II is meant to provide a partial hedge against inflation, it demands higher premiums as you get older than Type I.

Guidelines for buying

The key to deciding which policy is right for you is to consider how long you would need it for. If you need it for less than 10 years, term might be the right choice for you. If you need it for more than 20 years, whole life or universal would be better options. The gray area in between is where our experts at Salmon Agency can help to determine which policy best suits your needs. A simple analysis can determine which life insurance policy is right for you and ensure that your family will be taken care of in the event of your sudden death. , Please visit our website and our team of trained professionals at Salmon Agency will assist you with obtaining the coverage you need.


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