August 2014 - Susman
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Enjoy Life to the Fullest

There are approximately 34 million people living with aids or HIV nationwide. What is important to remember is that Aids and HIV is a dangerous disease, but there is hope. Scientists are continuously working on developing new medication every day, that will prolong the life of Aids victims.

New medication choices, create new hope, and new plans for the future. Life is worth living, with or without AIDS, HIV, Cancer or any other disease. However, it is up to you to choose how fruitful you want your life to be. With the help and support of family and friends, you can live a productive and fulfilling life.

Studies show that with improved medication treatments, and with positive changes to lifestyle and diet, aids and HIV is manageable. Did you know that there are hundreds of celebrities living with aids? That’s right, hundreds. You too can do all the things you have ever wanted to do like start a career, get life insurance coverage, or plan an overdue vacation.

Living with aids or HIV is not easy, but life does not have to be a drag. Every day can be a new day to focus on all the positive things in life. Family, friends, jobs, careers, children, and even the prospect of meeting someone special, or enjoying time spent with a spouse. Life insurance coverage will give you a peace of mind knowing that you and your loved one are covered.

Taking Steps to Live Longer

People, especially men, like to think that they are invincible. There’s something about testosterone that makes us believe we can fix the roof even though we’ve never climbed a ladder, repair the car even though we have no tools and play basketball better than the NBA players we’re watching on TV.

We also think we’re impervious to getting sick even though everyone is susceptible to disease and illness. Taking precautions, such as starting a vitamin regiment, can decrease your chances of getting sick, but nothing can make you immune.

It’s more important than ever to have health insurance, and this becomes ever more true as we age. Men and women should get regular checkups even when you feel healthy. For women, your chances of getting breast cancer increase significantly at the age of fifty. For men the threat of prostate issues increases, but many of us don’t get examined because of a taboo dislike of the examination.

Getting a prostate exam makes you no less of a man. In fact, being a man is about doing the right thing even when you don’t want to. The American Cancer Society (ACS) now urges men over forty to get annual prostate exams, lowering the previously recommended age by a decade.

Prostate cancer is now the most common form of the deadly disease in the US. This is why the ACS has lowered the recommended age from 50 to 40. A few seconds, once a year can catch prostate cancer early when it’s easiest to deal with. People depend on you as a father, brother, son, uncle, friend, advisor, and provider. If not for yourself, get routine prostate exams for the people who love and need you.

Let's live a long healthy life!
Let’s live a long healthy life!

How My Life Changed

I still remember the day I went into the doctor for my routine checkup. I went through all of the general tests that someone my age might, and when the doctor returned to the room after being out to review the tests I had finished both that day and a few days prior, he had a very concerned look on his face. When he told me I tested positive for HIV, my entire life seemed to melt before my eyes. He continued to talk, yet I could not really hear anything. I just knew everything I had ever heard concerning HIV and it just is not good.

As I educated myself further on HIV, I realized my life did not end that day in the doctor’s office. In fact, by staying on top of my health, it really is possible to life a perfectly normal life. The medication used to treat HIV is something that has totally changed the game in recent years and nobody would ever believe I have HIV at all. It has been five years since I tested positive and I feel as good now as I ever had before hand. However, after testing positive for it I did decide to obtain life insurance, as I wanted to make sure my family would not be left with my final medical bills.

I Will Live Forever!

I will live forever! Immortality does not play a factor for most people when they begin planning for retirement or death (immortals; please skip to the Lifetime Annuities section).

Do you wish you could live forever?
Do you wish you could live forever?

Enjoying many, many more years

While you plan your retirement, you should plan to live past 90-years old, seriously. No one really plans to live that long, but thanks to advanced health care and proper nutrition, the number of people living beyond 90-years triples every year.

Without proper planning, this means you will have to work longer and harder because no one wants a lazy, unemployed 100-year old underfoot all day.

Plus, your heirs will know you have lived beyond your retirement savings and survive on less than $1,500 a month. Your bad planning can ruin their plans of living off your money in your home. Then, they will start taking your belongings and ask you to hold the door open while they do it.

It’s not really about you

Your selfishness and bad planning can adversely affect several generations, so plan for their futures, not just yours, and buy a life insurance policy that will support their plans of sitting in front of the television and buying As Seen on TV products until the money is gone.

If you enjoy a healthy, smoke-free, fat-free, fun-free life at the age of 30, you can leave your children and grandchildren enough money to party away their college years. They may even hold a proper funeral for you instead of using the plot they bought in the neighbor’s pet cemetery.

Lifetime annuities

Choose an annuity plan that guarantees you a monthly income that will pay the bills, buy food and let you play internet slots 12-hours a day until the end of your life. Even if you live forever, you will have a monthly income.

You can even have fun with your death benefits and your heirs: Leave everything to your poodle and watch from above as the contested Will crawls through the cluttered court system.

Dying for life insurance

You might be dying for life insurance, but the truth is you do not have to die to get life insurance. Whether or not your remains are placed in a brown paper bag and scattered across the ocean, or laid in an expensive $20,000 casket is your choice. As morbid as it sounds, you will have to say goodbye to your family and friends, as well as your cat, dog or pet frog.

Dying for Life Insurance
Dying for Life Insurance

Having Life Insurance Pays Off in the End

Sure, you want your family to miss you, but not in a bad way. At least they can say, you loved them enough not to leave them in debt. Life insurance, helps your family to take care of last minute expenses, like hospital bills, clothing, and other expenses you know nothing about.

Sure, the driver is sympathetic as long as he’s getting paid. The minute the check bounces your remains might be in danger of being lost on arrival or permanently missing. Not having insurance is not a pretty situation. You do not want your family looking for you, on the one day you should be early, right?

Be Prepared for Your Big Day

Well, with adequate life insurance you can be dressed and at your own memorial before anyone else arrives. All you need to do is take out a life insurance policy now, while you can still read and write. Assign someone you know and trust to be your beneficiary. Leave them with specific instructions about what you want to wear, whom you want to attend and where you want to be permanent.

As long as the insurance covers the expenses, and a little is left over to compensate your family, there is nothing for you to worry about at all. Good health is important, but accidents can take you out. When you take out a life insurance policy, be sure to include an accidental rider. Are you dying for good life insurance coverage, you should be.

My Dog Smokes Cigarettes

My Dog Smokes Cigarettes

It’s no joke. My dog Toot smokes cigarettes. Has for years. She is up to 2 ½ packs a day, unless it is bowling night; then it’s over 3 packs a day. Even with all the warnings on the packs these days about how unhealthy it is to smoke, she is addicted. I looked into rehab programs for nicotine addiction, but the only one that accepts dogs is in Vegas and my poor Toot already has an addiction to Bingo. I can’t imagine the trouble she would get into in Vegas. So that’s not an option.

There is such a thing as life insurance for dogs; perhaps I should invest in some. The problem with that is they would probably ask if she smokes and could deny her coverage. She doesn’t really have any other health issues, except that she is quite overweight. She says working out leaves her out of breath. I told her it’s supposed to do that! She quit the gym and took up bowling. At least she’s up and moving around, but smoking at the same time. My overweight Chihuahua comes home smelling like a beer served in an ashtray. It isn’t pleasant.

A solid life insurance plan from a reputable company is a very smart investment. It helps take care of your family should anything happen to you. You can also take life insurance policies out on your children when they are young, and give them the option once the policies have matured to cash them out. A life insurance policy doesn’t have to cost you a lot, either. You can make small monthly payments and eventually it adds up to a pretty good sized policy. You can at least make it enough to pay for funeral services so that burden isn’t on your family after you’ve passed on. Consider it a gift. They will be grateful to you for doing that for them. As for cigarette smoking Chihuahuas, good luck.

How awful if dogs smoked cigarettes!
How awful if dogs smoked cigarettes!

I will never grow old

Grow old? What a ridiculous notion! I’m a baby boomer. It’s not in baby boomer DNA. How could we get old as long as we have so many concerts to attend. Mick, Keith, and the boys keep coming back to get us moving in the aisles. Paul and Ringo unite from time to time. Elton and Billy combine concerts.

Then there’s those once-in-a-life time reunions that have a way of repeating themselves as warring factions who remembering the days they shared tour buses in peace and love, throw down their hatchets for “one last comeback concert.” Not naming any names but anybody got the dates for the next Fleetwood Mac gig? Or maybe Journey? Foreigner?

I mean, who can feel old at a tailgate party before going in to toast Jimmy Buffet and hope he finds his salt shaker in Margaritaville?

We hope to live a long healthy life
We hope to live a long healthy life

Why even Barry Gibb is coming back with a solo tour. Hold on.

Solo? What happened to the other Brothers Gibb? What’s that?

Maurice died in 2003? How old was he? 53? Oh my.

And Robin? 2012? How old ? 62? Uh-oh. I’m already older than both of them

Come to think of it, there are quite a few holes or substitutions popping up in the bands as they bound out onto the stage. Look at The Who, they’re without John Entwhistle. Gone in 2002 at shudder age 52. You know, maybe I should look into getting a life insurance policy. That way loved ones will be taken care of when the inevitable happens.

Meanwhile should you be looking for me next time the remaining Who get together for yet another “last reunion tour”, I’ll be the one standing on my seat, holding my lighter high, and belting out I hope I die before I get old.

What to Do If You Have a Blowout on the Highway

Having a flat tire when driving is always a problem. But experiencing a flat or blowout while traveling on an interstate highway or other high-speed roadway can present special dangers. The National Safety Council offers these tips for coping with tire trouble:

• At the first sign of tire trouble, grip the steering wheel firmly.
• Don’t slam on the brakes.
• Let the car slow down gradually by taking your foot off the gas pedal.
• Work your vehicle toward the breakdown lane or, if possible, toward an exit.
• If it is necessary to change lanes, signal your intentions to drivers behind and do so smoothly and carefully, watching your mirrors and the traffic around you very closely.
• Steer as your vehicle slows down. It is better to roll the car off the roadway (when you have slowed to 30 miles per hour) and into a safe place than it is to stop in traffic and risk a rear-end or side collision from other vehicles.
• When all four wheels are off the pavement—brake lightly and cautiously until you stop.
• Turn your emergency flashers on.
• It’s important to have the car well off the pavement and away from traffic before stopping, even if proceeding to a place of safety means rolling along slowly with the bad tire flapping. You can drive on a flat if you take it easy and avoid sudden moves. Don’t worry about damaging the tire. It is probably ruined anyway.
• Once off the road, put out reflectorized triangles behind your vehicle to alert other drivers. Keep your emergency flashers on. If you know how to change a tire, have the equipment and can do it safely without being near traffic, change the tire as you normally would.
• Remember that being safe must take precedence over your schedule or whatever other concerns you may have. Changing a tire with traffic whizzing past can be nerve-wracking at best and dangerous at worst. Therefore, it may be best to get professional help if you have a tire problem or other breakdown on a multi-lane highway.
• Raise your hood and tie something white to the radio antenna or hang it out a window so police officers or tow truck operators will know that you need help.
• Don’t stand behind or next to your vehicle. If possible, stand away from the vehicle and wait for help to arrive.
• All interstate highways and major roads are patrolled regularly. Also, some highways have special “call-for-help” phones. If you have a cell phone you can call right from the roadside. It is inadvisable to walk on a multi-lane highway. However, if you can see a source of help and are able to reach it on foot, try the direct approach by walking but keeping as far from traffic as possible.

These are the most important things to remember when dealing with a flat tire on the highway:

• Don’t stop in traffic.
• Get your vehicle completely away from the roadway before attempting to change a tire.
• Tackle changing a tire only if you can do so without placing yourself in danger.
• Finally, the Council recommends that you have a qualified mechanic check your vehicle after having a flat tire to be sure there is no residual damage from the bad tire or the aftermath of the flat.

Source: National Safety Council, “What to Do If You Have a Blowout on the Highway” website. Accessed August 5, 2014.

© Copyright 2014 intouch Business, Inc. All rights reserved. Certain names and articles used with permission of owners. Trade names mentioned herein are owned by third parties.

Be Tire Wise

Be TireWise!

Tire Tread

Be TireWise, because the only thing between you and the road are your tires.

Yearly estimates back up that statement. On average:

  • Drivers in the United States put more than 2,969 billion miles on their tires,
  • There are nearly 11,000 tire-related crashes, and
  • Almost 200 people will die in those crashes.

Many of these crashes can be prevented through proper tire maintenance—including tire inflation and rotation—and understanding tire labelstire aging, and recalls and complaints.

Because safety is our top priority, the National Highway Traffic Safety Administration and the Department of Transportation want to make sure you have the tools to avoid being in one of those 11,000 crashes. TireWise is your resource to help you make smart decisions to keep you and your family safe, whether you’re in the market to buy new tires or want to extend the life and safety of the ones on your car or truck.

TireWise is also a resource for tire manufacturers, sellers and other partners to provide essential information to consumers for choosing and caring for their tires.

Tips on tire inflation and rotation

The next time you’re in the garage, remember these handy tips to get the most out of your tires.

Source: NHTSA, “Be Tire Wise” website. Accessed August 5, 2014.

© Copyright 2014 intouch Business, Inc. All rights reserved. Certain names and articles used with permission of owners. Trade names mentioned herein are owned by third parties.

Turtles Live 100 Years?

Did you know that turtles live 100 years? Wonder if they even have life insurance? Why would they need it? If you knew that your ‘average’ life span was 100, would you even bother? Or, maybe they have an even better reason to buy life insurance than humans do–there are only so many decades you can be married before one turtle would start to think about offing the other turtle…that life insurance could provide for all the kids they have produced over the course of their long, healthy relationship!

I guarantee there are only so many times you can hear the same stories, over and over, from your mate of say, 80 years. Of course, maybe they are not so healthy in their old age, and the stories sound new every time they hear them!

However, as slow as those turtles move, could they be at risk of getting sick? Preventing cardiovascular disease is all about moving, and turtles are not known for their speed. Perhaps, if they picked up the pace, they would live even longer? The turtles who jump on the treadmill might even see a lifespan of 200 years. But what a price to pay! Why mess up that lazy, day to day existence with a sweaty cardio session? Let the turtles be. After all, a 100 year lifespan is not too shabby.

Turtles can live over 100 years!
Turtles can live over 100 years!