On the Shore
















Is Travel Insurance Right for You?

by Peggy Hartmann, CIC, Agent, Jerviss-Fethke Insurance Agency

With the holidays rapidly approaching, many of you are planning trips. Here's some information on travel insurance.

Travel insurance provides coverage for yourself or your family against injury or death and loss of personal property while you are traveling. Travel insurance is always restricted to certain dates and locations based on a predetermined itinerary. You only need travel insurance if you are traveling to a place that your normal medical insurance coverage is not valid.

Travel insurance covers the cost of medical expenses such as hospital stays, medical treatment, ambulance rides. Travel insurance will also pay to replace lost, stolen or damaged personal items.

Single trip travel insurance provides coverage for a single excursion and for a fixed time frame. The maximum duration for single trip travel insurance is usually 30 days.

Long stay travel insurance has the same basic coverage as single trip travel insurance, but will normally cover a maximum stay of 90 days.

Annual travel insurance is a mix of single trip and long stay coverage and will cover multiple trips with a duration of 31 to 60 days for an entire year. Check with your current home owners and medical insurance carriers to see if you will require travel insurance for your next trip.

Jerviss-Fethke Insurance, (231) 722-2375, 71 W. Webster, is conveniently located in downtown Muskegon. Visit the website at www.jervissfethkeinsurance.com.

Better Sleep Tips for the Road

Sleepless in a strange city? On the road, quality sleep can be even more elusive than it is at home. At the beginning of the summer travel season, inconvenient delays and even time zone changes can wreak havoc on your schedule, making sleep more important than ever.

"Even at home, sleeping well can seem like a dream come true. When you're traveling, it's especially hard," says Pete Bils, senior director of Sleep Innovation and chair of the Sleep Advisory Board for Select Comfort. "That's why it's important to customize your sleeping environment to help you cope with the added stress and difficult sleeping conditions on the road and to help you gain restorative sleep."

More than one in three American adults say they rarely get a good night's sleep when traveling, according to the 2005 Travel Sleep Habits Survey conducted by Select Comfort and Radisson Hotels and Resorts. In fact, more than half (55 percent) say they would choose to bring their own bed above all other comforts of home while traveling. That not being practical, however, two out of every five (42 percent) say they would be more likely to stay at a hotel where they could adjust the firmness of the room's mattress.

Bils offers the following tips to ensure better sleep on the road.

- Create a Sleep-Friendly Environment - Test the hotel's pillows for comfort; exchange them if they aren't to your liking or travel with your own. Make sure to eliminate excessive sources of light and keep the thermostat set to around 65-70 degrees. If you are a "light" sleeper, request a room away from elevators, stairs and vending areas. Mask unwanted noise by using the fan-only setting on the air conditioner, which provides an excellent source of steady volume.

- Feel Right at Home - Mimic your home sleep environment as much as possible. For example, if your hotel room features a Sleep Number bed, you can adjust the firmness of the mattress to your exact preference. Radisson Hotels and Resorts now offers custom-designed Sleep Number beds by Select Comfort in all its hotels throughout the U.S., Canada and the Caribbean.

- Iron and Organize - Relieve stress by preparing your attire for the next day in advance. Unpack your toiletries. If you have forgotten any essentials (toothbrush, shave kit, etc.), call the front desk and get a replacement before you go to sleep.

- Test the Alarm Clock - Arrange a wake-up call and set the alarm clock. Make sure that the current time and the alarm time both have the correct AM/PM designations. Also, make sure the buzzer or radio is loud enough to wake you.

- Plan Your Itinerary - To compensate for jet lag, arrive at your destination in the early evening whenever possible. Avoid heavy meals before bedtime. If you live far from the airport and have an early morning flight or anticipate bad weather, plan to stay the night at a hotel near the airport and use the hotel's parking and shuttle service. Pre-pack your suitcases the day before your flight and set aside a special bag for personal grooming items that you use just for traveling.

- Avoid Alcohol and Stimulants - While alcohol may make you feel sleepy initially, it can actually interfere with a good night's sleep. Avoid caffeine after 2:00 p.m.

- Get Outside and Move Around - Exposure to sunlight helps to adjust your internal clock, so try taking a walk upon waking or a light jog in the morning sun. If you are traveling for business and work can't wait, try to find a room with lots of natural light and sit near a window.

"While sleeping well on a consistent basis is always important for our health and happiness, it can be a savior at times of heightened activity and stress," adds Bils. "Whether you're traveling for business or for pleasure, you're bound to be busy and even stressed. Quality, restful sleep can mean the difference between sleep-walking through your trip and truly seizing its every moment."

Article courtesy of ARA Content.

Don't Let Identity Theft Derail Your Vacation

You have planned for months, and now your bags are packed and you're on your way to a long-awaited vacation. Like many vacationers, the threat of identity theft isn't on your mind, much less your itinerary.

As millions of Americans pack their bags and plan their summer excursions, many of these travelers could be easy targets for identity theft, which, according to the Federal Trade Commission, affects approximately 10 million Americans each year.

"Few consumers realize how easily their summer get-away can be derailed by identity thieves looking for new ways to defraud unsuspecting victims," says Robin Holland, consumer credit expert and group executive of North American operations for Atlanta-based Equifax. "Simply losing your wallet can mean that a thief now has the tools needed to steal your identity and wreak havoc on your finances."

While there is no perfect solution to prevent identity theft, there are steps you can take to stay ahead of thieves.

Plan in Advance - Have your mail held at the post office for the duration of your trip. A mailbox stuffed with bills, bank statements and pre-approved credit card offers signals that you're away, giving thieves easy access to documents containing your personal information.

Guard your cards - Limit the number of credit cards you carry. Withdraw small amounts of cash from an ATM each day so that you can use local currency and minimize the chance that someone may steal your credit card number. If you lose your credit card, contact the credit card company's fraud division immediately.

When you get home, pay close attention to your credit card bills and the billing cycles. If your bill arrives late or you notice other unusual activity, contact the credit card company to ensure the card hasn't been used fraudulently.

PIN it Down - Memorize your personal identification number (PIN) and don't travel with a written record of personal information. Always safeguard your PIN from the view of potential "shoulder surfers" who may watch you enter your information at the ATM.

Play it safe in Internet Cafes - While Internet cafes are an easy way to keep in touch while on vacation, they can make your personal information especially vulnerable to identity thieves. Avoid using these computers to pay bills or carry out other business that involves sensitive information.

Monitor your Credit Regularly - Review your credit report frequently to ensure that it reflects only activities you've authorized. Credit monitoring services such as Equifax Credit Watch can serve as an effective early warning system for fraud. Recently Equifax introduced Credit Watch Gold with 3-in-1 Monitoring, which notifies you of key changes to your credit files from all three nationwide credit reporting companies. For those on the road, this product is equipped to provide wireless alerts via cellular phone or through a PDA device.

With a little advance planning, you can help prevent identity thieves from turning your dream vacation into a nightmare.

For more information about protecting yourself against identity theft, visit www.equifax.com. Article courtesy of ARA Content.