What's on your mind?
Sorry if that took you by surprise or perhaps seems a little personal. But the fact is that most of us have worries that run through our minds all day! And it's not just everyday concerns. One recent study found that almost 2/3 of us think we're living in a world that's riskier than ever. For instance, the vast majority of us worry about our accounts and computer being hacked, our identity being stolen and about our health. But our top worry is about money and our ability to provide for ourselves and others. We also worry a lot about the apparent increase in extreme weather, violent incidents in schools and public places, airplane crashes and terrorism. However, statistically the likelihood of some of these risks is minuscule and, in some cases, there's not a lot we can do to avoid them.
Far better to think about how you can better protect yourself against some of the more common risks. You'll probably never get total peace of mind, but here are 10 thoughts about how to make your personal world a safer one:
- Install or check smoke & carbon monoxide detectors and draw up an evacuation plan for your home.
- Have your car checked for safety every year, preferably before the bad weather season or a long journey. And carry a first aid kit.
- Have a stand-by store of food, water, flashlight, battery radio & candles to help cope with severe weather and other natural disasters.
- Make the time to create an annual budget and stick to it. Seek financial advice if you're struggling with bills. Free advice is available from the National Foundation for credit Counseling at http://www.nfcc.org/.
- Wear bright clothing when walking at night.
- Commit to exercising for at least a few minutes every day. Don't ride when you can walk. Don't sit when you can stand.
- In a public building, always know where the staircase & exits are.
- Don't use your cell phone when driving and don't even text when you are walking!
- Don't travel to high risk areas. The Department of State has a full list here: http://tinyurl.com/DoS-alerts.
- Keep your ID and online presence safe with tough passwords that you change frequently, protecting your accounts & social security details, and regularly monitoring your accounts for unusual behavior.
Remember too that insurance can help protect you against the costs of many of the risks you face, or make it easier to cope with mishaps when they occur. Are you properly protected? Please call me if you need to talk.
Just check in with me when you have a moment so I can answer your questions or do a quick review.