Personal Perspective

Planning to get married? Call us at 914-631-4353 to learn how we can help you protect your special day. See our online brochure for information.

Workers whose employers are cutting back on or do not offer group health insurance may turn to individual health plans for medical insurance. Individual plans usually require a review of your medical history, and many mandate an exam for qualification. Acceptance by the insurance company and the price of the premium are often determined by an applicant’s medical history and current health. It is imperative that applicants make a full disclosure. Most states will allow providers of individual health insurance policies to revoke a policy within a certain time frame usually two years if they discover that information provided on the application was false or inaccurate.

The National Highway Traffic Safety Administration (NHTSA) recently drafted new regulations in response to an abundance of data showing the severity of side-impact crashes. The new regulations, which are to be implemented in vehicles starting with the 2009 model year, are placing emphasis on the importance of side airbags that protect passengers’ bodies and heads. A major concern with side-impact crashes and the use of side airbags is the effect on children. Research indicates that side airbags, like other irbags, are designed to protect adults and that airbag deployment can harm children and small adults.

With March snows thawing and saturating the ground and April showers right around the corner, some homeowners are thinking more about soggy crawl spaces and puddles in the basement than about spring flowers. Here are some tips from builders and landscapers to help you prevent water damage this spring:

What do Mississippi, Alabama, Louisiana, South Carolina, Tennessee and Arkansas have in common? HINT: The answer is not Southeastern Conference (SEC) sports. All six of these states have the dubious distinction of making the Top 10...the Top 10 most “overweight” states in the country, that is. Obesity is at epidemic proportions in the United States. More than 69 million Americans are obese. An additional 127 million are overweight.