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Home is where the greatest accident risk is, warns top A&E doctor

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Dr Cliff Mann says people do not appreciate the danger in everyday situations, unnecessarily adding to strain on NHS.

If you want to avoid busy A&E units then you should shun the trampoline, discourage the kids from putting Lego up their nose, and be rather more careful getting something out of the loft.

That is the advice of the leader of Britain’s emergency medicine doctors, Dr Cliff Mann, who wants to highlight activities such as horse riding, mountain biking and even DIY, which are more dangerous than you might think.

Improvements in road safety and workplaces mean that homes and leisure pursuits now cause far more injuries and deaths – 1,000 per month – than car crashes and industrial accidents, according to Mann, president of the College of Emergency Medicine.

Of the 22 million people a year who attend A&E, about seven million do so as a result of an accident. Overall, accidents cost A&E units about £1bn a year.

“The public don’t appreciate the risk in everyday situations. If you ask them they would probably say that they’re more likely to die either on the roads or at work than at home. Both are untrue,” said Mann, who is keen to ease the heavy burden on the NHS from accidents.

by Denis Campbell

See Full Story on theguardian.com

Home is where the greatest accident risk is, warns top A&E doctor

By Leave a Comment

Dr Cliff Mann says people do not appreciate the danger in everyday situations, unnecessarily adding to strain on NHS.

If you want to avoid busy A&E units then you should shun the trampoline, discourage the kids from putting Lego up their nose, and be rather more careful getting something out of the loft.

That is the advice of the leader of Britain’s emergency medicine doctors, Dr Cliff Mann, who wants to highlight activities such as horse riding, mountain biking and even DIY, which are more dangerous than you might think.

Improvements in road safety and workplaces mean that homes and leisure pursuits now cause far more injuries and deaths – 1,000 per month – than car crashes and industrial accidents, according to Mann, president of the College of Emergency Medicine.

Of the 22 million people a year who attend A&E, about seven million do so as a result of an accident. Overall, accidents cost A&E units about £1bn a year.

“The public don’t appreciate the risk in everyday situations. If you ask them they would probably say that they’re more likely to die either on the roads or at work than at home. Both are untrue,” said Mann, who is keen to ease the heavy burden on the NHS from accidents.

by Denis Campbell

See Full Story on theguardian.com

10 Tips to Avoid Pickpockets while Traveling

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For many, vacation time is right around the corner and the thought of the perfect getaway does not include being a victim of crime. While most vacations will go as planned, some will fall victim to petty theft: mainly purse snatching and pickpockets. Thieves target tourists because they are the ones with the money.

1) Wear a money belt – This is the most important thing you can do to lower the chances of being pick-pocketed. A money belt is worn under your clothing; this is where you keep your passport, extra credit cards and cash.

2) Do not put anything in your back pocket – The outline of a wallet in the back pocket is advertising to pickpockets to rob you, especially in crowded areas like metro platforms and escalators.

3) Valuables need to stay in your hotel room – Laptops, tablets and such are much safer in your hotel room than in the bottom of a bag on the streets.

4) Walk with purpose and confidence – Pickpockets look for the confused tourists–the ones constantly looking at a map, taking hesitant steps, having a “deer in the headlights” look on their face.

5) Secure your belongings – When sitting or eating, never put your purse/bag on the chair behind you or on the ground.

6) Carry a purse or bag with the flap against your body – You want to cut down the number of entry points into your bag so thieves’ fingers have fewer places to wander.

7) Get to know your new money before heading out – If you’re traveling out of the country you will be confronted with foreign money.

8) Stay clear of commotions and avoid crowds – A fight breaking out, someone dropping items, even people falling down are most likely a smokescreen for bad guys wanting to separate tourists from their money.

9) Know how they work – Get to know the local scams thieves use to rob travelers. Most guidebooks will have a section just on this.

10) Be unpredictable – If you get the feeling someone is following you, change directions. Go into the nearest shop/hotel/restaurant and wait a few minutes.

by Adrian Kalvinskas

See Full Story on pasadenanow.com

Top tips for safe travel

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The world isn’t dangerous or unsafe. Quite the opposite. There are some desperate places and people, even in your home town, but these are a minority. In fact, you’re more likely to get into trouble at home than travelling if you follow these common sense tips on your trips.

1. Back (packer) glance

Get in the habit of looking back when you get up to leave somewhere. Travel is very distracting, and you’re probably carrying more stuff than when you’re at home, so you’re more likely to leave a jacket or journal at that Parisian cafe table where you were people watching.

2. Separate your sources of money

You know how you keep all your bank cards in your wallet/purse when you’re at home? Well, don’t do this while you’re travelling. Keep at least one in a different place, preferably not on your person. If you lose all your cards on the road it is very difficult to get replacements, and being without money in Timbuktu can be kind of unfun.

3. Don’t keep your wallet/purse in your jeans’ back pocket

To avoid being pickpocketed, keep your wallet in your front pocket, especially a pocket that can be buttoned up. Best of all, use the inside pocket of your jacket. There are also a load of different ‘money belts’ (see examples here) that either hang inside your shirt or wrap around your waist (under your shirt), etc. Make sure it’s waterproof because travelling can often be sweaty/perspiring work. I’d advise against the bum bag/fanny pack varieties. There is no better way to advertise the fact that you have a load of valuables on you…and, of course, they were never ever cool.

by Mark Broadhead

See Full Story on lonelyplanet.com

Top 10 safety tips when you’re travelling abroad

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Moving abroad, for any amount of given time, can be quite scary, especially for first-timers. You’ll have lots to think about, from where to stay to how to commute, with plenty of ups and downs in between. Travel, for the most part, will be done on weekends and/or during the holiday season. Regardless of how far you get to go, here are a few pointers so as to keep your belongings safe (as well as your person), avoid accidents abroad and most important of all, try not to get ripped off…Although most countries are safe, it’s still advisable to keep these tips in mind, just in case. After all, better safe than sorry (Ok, enough with the idioms…).

1) Keep an eye on your belongings

2) Keep an eye on your wallets and purses especially

3) Put your camera or camcorder away when not in use

4) Choose your travel buddy carefully as it might mean putting your belongings (or life) at risk

5) Get insurance for yourself in case something goes wrong at work or at least make sure you have got medical expenses covered

6) If someone has warned you not to go to a particular neighborhood or watch your belongings more closely in some areas, please take note

7) Scan your important documents and also email to yourself in case of misplacement

8) Get a health check-up and get the necessary vaccinations

9) Keep your cash and cards separate

10) Do your due diligence before typing in your personal details online

See Full Story on thirdyearabroad.com

10 tips for work safety

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Staying healthy and safe at work is important. No matter what your job, it is important to reduce your risks of injury and illness at work.

Here are some tips to help make your workplace safe.

  1. Understand the risks. Once you know the particular hazards of your job or workplace, you can take steps to reduce your risk of work-related injury or illness.
  2. Reduce workplace stress. Common causes include long hours, heavy workload, job insecurity and conflicts with coworkers or bosses. Stress can lead to depression, sleeping difficulties and problems with concentration.
  3. Take regular breaks. Staying fresh and alert will help you avoid injury or burnout. Schedule the most difficult tasks of each day for times when your concentration is best, such as first thing in the morning.
  4. Avoid stooping or twisting. Use ergonomically designed furniture and equipment, and rearrange your work area so that everything you need is within easy reach.
  5. Use mechanical aids whenever possible. Instead of trying to lift or carry a heavy object, use a wheelbarrow, conveyor belt, crane or forklift.

See Full Story on betterhealth.vic.gov.au

TM 365 (Personal Accident)

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Introducing Tokio Marine TM365 product. A personal accident plan that lifts financial burden off your shoulders when the unexpected happens. It shields you, your spouse and children with the following benefits:

  • Worldwide round-the-clock coverage
    For accidental death or permanent disablement
  • Up to 150% of capital sum insured*
    This is payable in the event of permanent disablement
  • Pays up to 10% of capital sum insured*
    This applies when you are in a accident-related coma.
  • Injuries caused by fire
    Offers coverage for second and third degree burns.
  • Extra protection
    This includes coverage for food poisoning, insect/animal bites, exposure to natural elements, motorcycling and more.
  • Emergency medical assistance
    Simply call our 24-hour hotline at +65 6225 8647 (+65 6CAL TMIS).
  • Automatic increase in sum insured
    Receive up to 25% for capital sum insured* as well as medical expenses.
  • Enjoy 10% savings
    This applies when you protect 2 Family Members. You’ll gain 15% savings if you insure 3 or more family members.
  • Accidental death
    If you or your spouse passes away due to an accident, Family Protector will protect your surviving family members who are insured for another 6 months free.
  • Free Look Period
    From the day you receive the policy, enjoy a trial period to review the policy. If you are not satisfied, you can return policy within 14 days for a full refund.

Note:
* Capital Sum Insured means the sum insured for Accidental Death.

See full product description on TM365

Those who owns motor insurance with Tokio Marine and are intending to renew from Jan 2015 will get 10% special discount on TM 365 insurance (up to 25% for family plan).

Leave your contact details below to find out more! 

 

How to Prevent Home Burglary – 8 Ways to Reduce the Risk of Someone Breaking Into Your House

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Here are 8 tips to help prevent a break-in from ever happening in your home, all of which can help provide you not only with emotional security, but also decrease the likelihood that you will have to replace items that could burn a major hole in your wallet:

1. Get an Indoor Dog

I drove down to Louisiana as soon as my dad told me about the robbery. And I brought him a great alarm system – an 85 pound Bordeaux Mastiff I’d rescued from the animal shelter just a few months before. He’ll be staying with my dad from now on.

2. Lock Your Doors and Windows

Make sure your doors and windows are always locked. And I mean all windows. Experts say 23% of break-ins occur through first-floor windows. So securing these should be a top priority. GE makes a wireless alarm kit you can purchase for $25 that will sound if a door or window is opened. This is a very inexpensive way to protect vulnerable areas in your home.

Don’t forget to secure side doors and garage doors as well.

3. Use Strategic Landscaping

Thorny rose bushes under windows will make thieves think twice before going in that way.

Also, keep your bushes and hedges trimmed to a minimum; don’t give thieves a place to hide while they scope out your place.

Gravel and loose stones can also alert you (or a dog) that someone is approaching your house.

And make sure your yard is well-lit during the night!

4. Hide Valuables

Make sure your valuables are hidden from passer-bys. Use privacy curtains (sheer curtains that let in light but block the view) so people can’t see in while you’re away at work. With the holidays coming up, this especially includes gifts! Don’t leave gifts, even wrapped ones, in front of any window.

5. Install Double Key Deadbolts

Double key deadbolts are the kind that require a key not only to enter, but also to exit. With a double key deadbolt lock, if thieves do break in, getting your stuff out is going to be really difficult unless they break the door down.

The downside to double key deadbolts is they can be dangerous in the event of an emergency, such as a fire. Consider this carefully before installing one. If you do put one in, keep the key very close to the door in a hiding place that’s easy to remember.

6. Secure Patio Doors

Security experts say most thieves don’t want to smash sliding glass doors because they’re so noisy. They’d much rather slide it open. To prevent this, secure your sliding door by placing a sawed-off broom handle in the track to prevent it from opening.

7. Don’t Advertise

If you’re going away for a week, don’t tell people on your answering machine that you’re out of town. Police say that, surprisingly, many thieves will find your number and call to see if you’re at home.

8. Be Prepared

Make sure you religiously back up your computers and laptops in the event those items are stolen. My dad didn’t do this. As a result, many years worth of family pictures are gone.

Also, make sure your portable hard drive is kept hidden in an innocuous place where it won’t get hurt (like the kitchen pantry or laundry room).

by Heather Levin

See Full Story on moneycrashers.com

General Insurance or Life Insurance

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A couple of close friends asked me sometime last week if my agency does deal with life insurance product. I like to clarify that Credence Insurance Agency ONLY deals with General Insurance. The reason is simply because of the history of this start up. I was previously working for an SME and was involved in a lot of HR matters, which includes the insurance requirements needed by an SME operating in Singapore. Once worked as a client of general insurance, I understand what clients are seeking in terms of their insurance needs  and how an in-depth of insurance knowledge is important to them. Hence I decided to venture my career in this aspect.

So these friends of mine did asked if I ever will venture into life insurance, with some even asking me to take up the life insurance exams first. Sorry to say I won’t be dealing with life insurance products because I prefer to focus on GI so that I can dedicate my time and effort in servicing my clients.

However, for those of you who are looking at life insurance products, you can kindly contact my reservist army friend, Jeremy Ng @ 9380 6098 or jeremyng@pruadviser.com.sg He represents Prudential and given the good character of his, I strongly recommend him to advise you on life insurance.

PS: I do not earn any commission for referring him to clients, but simply refer him in this blog because having worked with him during our reservist for the last 5 years, I understand and appreciate his kind and good nature  and believes he will be there to help you just like how he has helped his men in our platoon.

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At the west side of Singapore, our office sits on the second floor of the building.

1 Soon Lee Street
#02-43, Pioneer Center
Singapore 627605

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If not, give us a call at +65 6897 8226
or email us at enquiry@credence.agency