Liberty Mutual Provides Safety Tips For Teen Drivers Hitting The Road This Holiday Season

Parents and Teens Can Test Their Skills and Learn the Rules of the Road at www.LibertyMutualTeenDriving.com To abstain accepting bent off bouncer if the acclimate gets bad, it's important to be able - even afore you get in the car - to ensure a safe and blessed anniversary for everyone.

Boston, MA -- Mother Nature can bandy abrupt curveballs to biting boyhood drivers this winter. To ensure that assurance is a top concern, Liberty Mutual Insurance urges parents and boyhood drivers to appointment LibertyMutualTeenDriving.com afore they hit the alley this anniversary season.

The U.S. Department of Transportation reported over 1,100 crashes by boyhood drivers, age 16-19 years old, endure anniversary division and according to the Insurance Institute for Highway Safety (IIHS), about 5,000 adolescence drivers were complex in baleful motor accidents endure year and motor car crashes are still advised the arch could cause of afterlife a allotment of teenagers.

''All of us - no amount how continued we've been active - charge to crop the challenges of winter active seriously,'' said Dave Melton, administrator of Transportation Technical Consulting Services at the Liberty Mutual Research Institute for Safety in Hopkinton, Mass. "To abstain accepting bent off bouncer if the acclimate gets bad, it's important to be able - even afore you get in the car - to ensure a safe and blessed anniversary for everyone."

Be Street Smart - Before, During and After the Trip
According to the U.S. Department of Commerce, about 70 percent of baleful auto accidents are ice or snow accompanying and addition 25 percent of winter deaths can be attributed to humans accepting bent out in a storm.

From betraying highways and aback anchorage to atramentous ice and freezing bridges, it takes a lot of affliction and alertness to ensure the disciplinarian is winter road-ready and that the car is safe and in acceptable active order. With millions of drivers on the alley this winter - Dave Melton and Liberty Mutual acclaim the afterward tips to accumulate top of apperception this anniversary season. More tips from Dave Melton are accessible at LibertyMutualTeenDriving.com and YouTube.
 

Create a winter active assurance kit Keep gas catchbasin at atomic bisected full. Test air-conditioning, which helps bright your windshield and windows. Add winter wiper blades and top off washer fluid. Have your tires arrested to ensure you accept abundant footstep to endure the winter Use snow tires if you abide in an across that gets common snow. Check the acclimate address in your across and in the across of your final destination. If altitude are bad and your cruise is necessary, be abiding to plan added time. In bad acclimate it's analytical to put some added ambit -- at atomic bifold -- amid vehicles. Reduce acceleration - antilock brakes and four-wheel drive will not advice you stop faster. Antilock brakes alone advice you advance council control. Always abrasion your bench belt.Interactive Resource for Teens and Parents
Liberty Mutual created National Safety Council's arresting active advance and sample driver's licensing assay questions from every state.

The dual-path website aswell appearance a parents' version, with advantageous tips for talking with their adolescence about driving. A new parent/teen safe active contract, developed by SADD, can facilitate this altercation and accredit parents and adolescence to adapt after-effects and rewards for active behaviors that cover cutting bench belts, afterward the acceleration limit, and attached or abbreviation active distractions.

About Liberty Mutual Group
''Helping humans abide safer, added defended lives'' back 1912, Boston-based Liberty Mutual Group is a adapted all-around insurer and sixth-largest acreage and blow insurer in the U.S. based on 2007 absolute accounting premium. Liberty Mutual Group ranks 94th on the Fortune 500 account of better U.S. corporations, based on 2007 revenue. The aggregation has over 45,000 advisers amid in added than 900 offices throughout the world.

The eighth-largest auto and home insurer in the U.S., Liberty Mutual (LibertyMutual.com) sells abounding curve of advantage for automobile, homeowners, admired possessions, claimed liability, and alone activity insurance. The aggregation is an industry baton in affection partnerships, alms car and home allowance to advisers and associates of added than 10,000 companies, acclaim unions, able associations and alumni groups.

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Trend Survey Reveals Future of Senior Living Communities

Older adults who ahead affective to a chief active association can attending advanced to advancement their ability through "smart home" technology and wireless connectivity, according to a contempo analysis of chief active trends. The analysis reveals how approaching ancestors will be served in chief active communities, including broadcast home bloom care, wellness programs, and "green" designs. The after-effects of this analysis are cogent because there are few appear studies that appraise trends in programs, amenities, and environments a allotment of crumbling casework providers The analysis after-effects acquaint us that it will not be business as accepted for chief active communities in the years ahead It's bright that with the projected abatement in the 75 to 84 age citizenry over the next decade, chief active organizations will charge to analyze their 'niche' to allure this bearing above-mentioned to the accession of the Baby Boomers.

Evanston, IL -- Older adults who ahead affective to a chief active association can attending advanced to advancement their ability through "smart home" technology and wireless connectivity, according to a contempo analysis of chief active trends appear today by Mather LifeWays Institute on Aging in accord with Caring Communities Shared Services and Life Services Network (LSN) of Illinois, the accompaniment accessory of the American Association of Homes and Services of the Aging and the Assisted Living Federation of America.

The analysis provides acumen into how approaching ancestors will be served in chief active communities, including broadcast home bloom care, wellness programs, and "green" designs.

"The after-effects of this analysis are cogent because there are few appear studies that appraise trends in programs, amenities, and environments a allotment of crumbling casework providers," said Mary Leary, President and CEO, Mather LifeWays.

The survey, conducted in October and November 2008, includes responses from 107 chief active organizations in 13 states, apery 435 chief active communities. "The analysis after-effects acquaint us that it will not be business as accepted for chief active communities in the years ahead," said Linda Hollinger-Smith, Vice President, Mather LifeWays Institute on Aging. "It's bright that with the projected abatement in the 75 to 84 age citizenry over the next decade, chief active organizations will charge to analyze their 'niche' to allure this bearing above-mentioned to the accession of the Baby Boomers."

Survey respondents articular the top arising trends, including:

Maintaining Resident Independence
 

Incorporating "smart home" technology and wireless connectivity into chief active residences. Bringing home bloom care, tele-health technology, aged appraisal services, and non-medical home affliction casework into chief active communities to advance above of activity as one "ages in place."
Expansion of Programs/Services Outside of Senior Living Communities
 
Providing home bloom and developed day affliction services. Delivering casework to earlier adults in their homes through programs such as the "Beacon Hill" model.
Wellness and Lifelong Learning for Senior Living Residents
 
Integrating and accretion wellness programs into chief active architecture including wellness/healing gardens, bloom spas, analysis pools, putting greens, and calm amphibian centers. Providing web-based apprenticeship and constant acquirements programs for residents.
Environmentally Aware Senior Living Communities
 
Obtaining LEED acceptance to authenticate new architecture and renovations are accomplishing "green" standards. Building "small house" models for association in abiding affliction settings: Small houses are independent barrio for baby numbers of residents, organized in a way to aerate accustomed active environments and routines, citizen autonomy, faculty of community, and above of life.
Results of the analysis authenticate that chief active organizations are acclamation and planning to accommodated the needs and interests of their accepted and approaching residents. Overall, chief active communities with 300 or added units appear to be arch the way in agreement of accepted and approaching planning in abounding areas of programs, services, amenities, and ecology issues compared to abate chief active communities.

Senior active providers announce they will abide to aggrandize partnerships in adjustment to accommodated and beat expectations of the next bearing of earlier adults. Potential partnerships cover added Continuing Care Retirement Communities, colleges/universities, for-profit ventures, Naturally Occurring Retirement Communities, breath developed communities, and accompaniment and bounded government agencies.

For added advice about the Survey of Trends in Senior Living, amuse contact: Linda Hollinger-Smith, Vice President, Mather LifeWays Institute on Aging, (847) 492-6811 or lhollinger-smith@matherlifeways.com

About Mather LifeWays Institute on Aging:
Based in Evanston, Illinois, Mather LifeWays enhances the lives of earlier adults by creating Ways to Age Well.SM The Institute on Aging was founded as a way to accommodate much-needed analysis and apprenticeship for the bloom professionals who serve earlier adults. Initiatives focus on person-centered affliction and able anamnesis abutment acclamation affairs appraisal tools, emergency preparedness, and abbreviation workforce about-face rates. Additional Institute programs ambition workforce wellness and allotment ancestors caregivers. To apprentice added about Mather LifeWays Institute on Aging, or Mather LifeWays chief residences and association initiatives, amuse alarm (847) 492.7500 or acquisition your way to www.matherlifeways.com.

About the Survey:
Mather LifeWays Institute on Aging conducted a analysis a allotment of chief active affiliate organizations to apprentice about trends in programs, services, amenities, and environments as providers attending against confined the next bearing of earlier adults. A web analysis was conducted in October and November and abstracts was analyzed in December 2008. A absolute of 107 chief active affiliate organizations alternate in the web survey, apery 435 chief active communities from 13 states civic (nearly 40,000 units). Approximately 60 percent of the chief active communities are based in Illinois. Of the accommodating chief active organizations, 35 percent accept a absolute of 300 or added units and 64 percent accept beneath than 300 units.

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Aging Parents in a Real Estate Crisis - From One Realtor's Perspective

Local Realtors® in every US across can advice accommodate a band-aid to the ancestors affliction bearings for crumbling parents and grandparents. A band-aid which is beneath cher than hospice, payed aids and nurses, assisted active accessories and demography affliction of them from a distance.

Portsmouth, NH -- New Hampshire absolute acreage abettor Rebecca Skane believes the nation's aged are in trouble. Although the bazaar seems to be on the border of a abeyant accretion and even the National Association of Realtors® (NAR®) is advertisement an access in home sales which has consistently accurate to be a huge bread-and-butter indicator, abounding of our aged assume to be in a bit of a debacle. The foreclosure amount is still adequately high. Many aged are accepting bankrupt on, artlessly because of bread-and-butter ache placed on retirees. Aside from foreclosures, abounding aged are not accessible to be in a nursing home, but can't abide by themselves anymore. What then?

Hampton NH Home with In-Law listed by Rebecca Skane

The amount of caring for our crumbling parents and grandparents is soaring. Even assuming the simplest of tasks to affliction for our own is proving to be costly "The amount of caring for our crumbling parents and grandparents is soaring. Even assuming the simplest of tasks to affliction for our own is proving to be costly," declared Rebecca Skane, a Portsmouth, NH absolute acreage agent. The amount of gas for active the groceries, the time out of our active and animated schedules (having to try and accomplish allowance for charwoman their homes or demography them to doctor's accessories while still accepting able to crop the accouchement to soccer convenance and babe scouts and accept affairs with clients) - the connected ache on the censor apprehensive if they are "okay". Sometimes, this is the best humans can do abreast from paying for abounding time nursing affliction or an assisted active ability which can amount added than a mortgage. Some aged will action tooth and attach afore traveling to a facility, adventurous it is a nursing home. And all we can do is abide to accomplish abiding they are bistro right, accept abundant groceries, are advantageous and accumulate their homes clean. The basal band is that it takes a accomplished lot of time and money to affliction for ancient ancestors members.

A bounded Realtor® can action a austere and applicable band-aid to accede while caring for crumbling parents and grandparents afore they charge connected auberge care. Consider affairs a home with an in-law apartment. Someone may not appetite the abstraction of active with his or her parents again, but accepting acclimated to the abstraction is abundant easier and abundant added applied than active hours anniversary week, spending the added money on gas and groceries, accident the time out of a active agenda and annoying on a circadian base apprehensive if they are okay. On top of this, a lot of aged will be abundant added acceptant to the abstraction of affective in with ancestors members, rather than accepting beatific abroad to a home. The chat would apparently go abundant smoother.

Depending on the situation, it is accessible to actualize a abstracted in-law accommodation in an absolute home if there is room. Or, one can buy a new home with an absolute in-law accommodation in place. A accountant Realtor® can advice locate the absolute acreage to abode an continued family. A home with an in-law accommodation is one of the best options accessible and the atomic expensive, but hardly used. Take advantage of this advantage during this abnormal buyer's market, it would be a astute decision.

Rebecca Skane is a trusted bounded Realtor® beneath Keller Williams Coastal Realty in Portsmouth, NH. She can be accomplished at SkaneRealEstate.Com. Ms. Skane aids buyers and sellers of residential and bartering absolute acreage in bank New Hampshire and Maine, and aswell deals with continued ancestors homes.

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CURE Auto Insurance Lists the Top 10 Ways to Drive Well Labor Day Weekend

CURE Auto Insurance celebrates Labor Day by reminding drivers to drive able-bodied and get home safe this anniversary weekend with its top 10 active assurance tips.

Princeton, NJ -- CURE Auto Insurance celebrates Labor Day by reminding drivers to drive able-bodied and get home safe this anniversary weekend with its top 10 active assurance tips.

According to the National Highway Traffic Safety Administration, the final weeks of summer afore and during the Labor Day anniversary weekend represents an acutely high-risk biking time. In 2008, broken active during those final summer weeks resulted in about 12,000 fatalities. CURE Auto Insurance offers the afterward active tips to advice ensure that workers and their families can cautiously bless the anniversary weekend.

1. Never allocution or argument bulletin on your duke captivated corpuscle buzz while driving. Cell phones backbite from your adeptness to apply on the alley and the use of the accessories while active is a primary breach in some states. If you charge to use the phone, cull over to a safe, ablaze parking lot and accomplish your call/place your argument there.
2. If you alpha to feel yourself become drowsy, anon cull off the alley and stop at a safe abode to crop a nap. Wait at atomic 10 account afterwards alive up to see how active you are. If you don't feel any added alert, don't drive. Driving if you're comatose reduces your adeptness to drive bigger and to anticipate quickly. Reaction time is slower, acquaintance is decreased, and judgement is impaired. Often the accomplishments of fatigued drivers are abashed with drivers who had been bubbler and the after-effects can be just as fatal.
3. Always drive with your headlights on because a car is arresting for about four times the ambit with its headlights on even in the daylight.
4. When traveling abaft vehicles, consistently leave a four additional amplitude amid your car and the one in foreground of you. When traveling at night or in bad weather, this time should be doubled.
5. As your acceleration increases, so does your breaking distance. Each incremental access in acceleration reduces your adeptness to acknowledge in time to hazards, because you may be accoutrement ambit in beneath time than it takes to react. Don't speed. The risks are not account the gain.
6. Always accumulate your eyes affective and analysis your ancillary and rear appearance mirrors every six to eight seconds.
7. Virtually all collisions absorb apathy on the allotment of one or both drivers. Inattention can absorb abounding things, some of which are absorbed or distractions. Make a acquainted accommodation to apply just on the alley and abstain the allurement to eat, put on makeup, etc.
8. Designate a abstaining disciplinarian afore you access at a anniversary celebration. If you acquisition yourself broken and after a abstaining driver, alarm a auto or use accessible busline to get home safely. Never get abaft the caster if you accept been drinking. Also don't await on anyone abroad who was bubbler to drive you home.
9. If you doubtable addition disciplinarian is impaired, alarm bounded law administration admiral immediately.
10. Always abrasion your seatbelt.

For added active tips amuse appointment www.drivewell.com or alarm 800-535-CURE.

About CURE
Headquartered in Princeton, N.J., Citizens United Reciprocal Exchange, (CURE) is a not-for-profit alternate exchange. Founded in 1990 by New Jersey Insurance Commissioner James J. Sheeran and award-winning allowance expert, Dr. Lena Chang as acknowledgment to the allowance crisis in New Jersey, CURE continues to advance the way as the not-for-profit band-aid for amenable drivers and the "cure" for the continuously evolving auto allowance problems. CURE is currently accessible in New Jersey and Pennsylvania. More advice can be begin at www.drivewell.com or by calling 800-535-CURE.

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