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11 hours ago · by · 0 comments

29 Injured In London Subway Bombing

A homemade bomb exploded in a rush-hour subway car injuring 29 people in London on Friday.  Most of those injured suffered flash burns while others were hurt when the blast triggered a stampede.  Police and ambulances were on the scene within minutes and emergency services said none of the injuries were serious or life-threatening.  Britain raised its terrorism threat level to critical — meaning another attack is expected shortly.   The British government is investigating the explosion as a terrorist incident and a manhunt for the perpetrators ensued in what police said was the fourth terrorist attack in the British capital this year.

The bomb went off around 8:20 a.m. as the train was at Parsons Green station in the southwest of the city.  The bomb was hidden in a plastic bucket inside a supermarket freezer bag but it only partially exploded, sparing the city much worse carnage.  Prime Minister Theresa May said the device “was intended to cause significant harm.”  Witnesses describe a loud bang and a massive flash of flames that went up the side of the train, followed by a chemical smell.  As the flames shot up the side of the train chaos ensued as hundreds of people poured from the train.   Others describe a scene of “every man for himself” as people pushed to get out the doors.  Photos taken inside the train showed a white plastic bucket inside a foil-lined shopping bag, with flames and what appeared to be wires emerging from the top.

Trains were suspended along a stretch of the Underground’s District Line, and several homes were evacuated as police set up a 150 foot area around the scene while they secured the device and launched a search for those who planted it.  Hundreds of police investigators, along with agents of MI5 were pouring over surveillance camera footage, carrying out forensic work and interviewing witnesses.

The next day, two suspects were detained over the bombing, an 18-year-old refugee from Iraq and a 21-year old from Syria.  Police searched three addresses, including the house of Penelope and Ronald Jones, of Sunbury.  The couple has been honored by Queen Elizabeth II for fostering more than 200 children, including refugees from Middle Eastern conflicts.  Both of the suspects were fostered by the British couple.

The 18-year-old was detained Saturday at the southeast England port of Dover, a departure point for ferries to France. Later the same day, the 21-year-old man, identified as Yahyah Farroukh, was detained as he left his work shift at a restaurant in Hounslow, West London.  Surveillance footage shows a man near the Sunbury address Friday morning carrying a bag from Lidl supermarket. Images posted on social media following the attack appeared to show wires protruding from a flaming bucket contained in a Lidl bag on the floor of the train carriage.

The threat level was lowered to severe by Sunday and police said the investigation was making rapid progress.  Both men are being held under the Terrorism Act 2000 but neither has been charged.  British authorities say they have foiled 6 terror plots since the since the van and knife attack on Westminster Bridge and Parliament in March, which killed five people. Police and MI5 say that at any given time they are running about 500 counterterrorism investigations involving 3,000 individuals.

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1 day ago · by · 0 comments

Equifax Massive Data Breach

 

 

A huge security breach at credit reporting company Equifax has exposed sensitive information, such as Social Security numbers and addresses, of up to 143 million Americans.  Others in the U.K. and Canada were also impacted, but Equifax hasn’t said how many. The data breach is considered one of the worst ever because of its reach and by the sensitivity of information exposed to the public.

The hackers have accessed sensitive information — including names, social security numbers, birth dates, addresses, and the numbers of some driver’s licenses. Credit card numbers for about 209,000 U.S. customers were compromised, in addition to “personal identifying information” on about 182,000 U.S. customers.

Equifax (EFX) is one of three nationwide credit-reporting agencies that track and rate the financial history of consumers. The company gets its data from credit card companies, banks, retailers and lenders.   The data breach is among the worst ever because of the amount of people affected and the sensitive type of information exposed.  The company said it found no evidence that consumers in other countries were affected beyond the U.S., U.K. and Canada.

Equifax said the breach happened between mid-May and July 2017.  They discovered the hack on July 29th and promptly engaged a leading, independent cybersecurity firm which has been conducting a comprehensive forensic review to determine the scope of the intrusion, including the specific data impacted. Equifax also reported the criminal access to law enforcement and continues to work with authorities.

They reported the breach to the public on September 7th.  They said hackers exploited a U.S. website application vulnerability to gain access to certain files and they are investigating the breach.  New York Attorney General Eric Schneiderman has also launched a formal investigation into the hack.  Consumer Financial Protection Bureau is looking into the breach as well.

Equifax said it will send notices in the mail to people whose credit card numbers or dispute records were breached.   They have also established a dedicated website, www.equifaxsecurity2017.com  to help consumers find out if they have been impacted.  To find out if you are potentially impacted, you can go the website-click on “Potential Impact,” and enter your last name and last 6 digits of your Social Security number.

The company is also offering a program called TrustedID Premier. It says that includes 3-Bureau credit monitoring of Equifax, Experian and TransUnion credit reports; copies of Equifax credit reports; the ability to lock and unlock Equifax credit reports; identity theft insurance; and Internet scanning for Social Security numbers – all complimentary to U.S. consumers for one year.  You must complete the enrollment process by November 21, 2017.  Consumers should be aware that buried in the terms of service of this program, is language that bars those that enroll in the Equifax checker program from participating in any class action lawsuits that may arise from the incident.

The best defense against identity theft and credit fraud is to monitor your credit report frequently to check for any suspicious activity, such as accounts you didn’t open, address changes, or anything else that you don’t recognize.

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2 days ago · by · 0 comments

Daily HI4E.org Trivia Contest Winners For The Week Ending: Sunday, September 17th, 2017.

 

  

 

 

In an effort to broaden the company’s “social interaction” with our clients and FaceBook fans, Daily Trivia Questions are posted on both of our business pages. Here are the weekly standings for this past week, and the winner of the Sunday night Weekly Drawing for an AmEx gift card!            

Congratulations  – To this past week’s Trivia Contest Winner!!   Our latest contest winner for the weekly FaceBook HealthInsurance4Everyone/Health & Life Solutions, LLC Trivia Contest, drawn randomly by computer late Sunday evening, September 17th, 2017 was:

 

BRANDI  LONG

Winner Of A $25.00 AmEx/VISA Gift Card

 

Each day, fans who have “liked” either of our company FaceBook pages (HealthInsurance4Everyone  or Health & Life Solutions LLC) are able to test their skills with our Daily TRIVIA QUESTION.  The first 20 winners who post the correct answer to the TRIVIA QUESTION, will then get entered into the weekly drawing held late on Sunday evenings for a $25.00 Am Ex Gift. Card


Weekly Gift Card winners will be posted in our blog at this site.  Remember to become a FaceBook “fan” on either of our company pages to enter and post your answers. 

 

Here are the daily contestants from last week’s Trivia Contest that were entered into the Sunday drawing:

 

 

 

 

9/11/17

 

Katrina Worford

April Ashcraft

Bethany Henry

Mary Mcmenamy

Anna Nichols

Isis Sample

Adaria Johnson

Amber Cheras

Joanie Waterman

Judy Custer

Heather Marie Stacy

Brandi K Chaney

Joleen Renee

Hayley Cordaro

Juanita Williams-Jones

Shona Ort

Katherine Oliveira

Alexis Maureen

Deborah Farris

Crystal Dougherty Merrill

Abby Cox

 

9/12/17

 

Brittany Marie Thompson

Kelly Jo Francisco

Poonam Gosain

Kristina Harris

Mary Ferguson

Mary Beauregard

Gloria Stuart-Wade

Emily Rice Bowersock

Mary Pettiford

Jill Nauyokas

David M Still

Trish Musgrave

Chris Blythe

Jennifer Downing

Shona Ort

Abby Fletcher

Aarti DM

Susanne Killion

Tiffany Greene Elliott

Trish Marks

Sheila Carvell

Dean Bruss

Geri Rus

 

 

9/13/17

 

Jenny Merritt

Deborah Farris

Megan McCarver

Amanda Rosario

Dean Bruss

Traci Anderson

Susanne Killion

Dawn Raasch

Melissa Ann Stura-Bassett

Hollie Jahnke

Tina Casto-Shafer

Beeg Reeb

Isis Sample

Priscilla Shimp

Allison Frederick

Jodi Stevens

Brittany Whitley

Amber Cheras

Marcy Coull

Farrah Miller King

 

9/14/17

 

Alexis Maureen

Beata Tybor

Cheryl Hall

Kelly Jo Francisco

Tabitha Sinks

Isis Sample

Dale Fish

Leslie Wagner Hobson

Debbie Smith

Sheri Boydston

Kathleen Newell

Darlene Whyte

Holly Kay

Crystal Young

Holly D Lawson

Pam Johnson Rowland

Amanda Rosario

Christina Domingue

Sandy Nevels

Jill Nauyokas

 

9/15/17

 

Brandy Williams

Paula Rousseau

Amy Marie Wilkinson

Andrea Timms

Laurie Griffith

Mya Murphy

Alysia Jackson

Misty Shallcross

Benjamin Odell

Shelley LaClear

Crystal Gipson

Kristina Rosson

Lesa Moats

Karen Bondehagen

Dana Marie Germain

Sherry Lilly

Tiffany Greene Elliott

Alicia Smith

Jessica Davis

Deborah Farris

Kalynnilene Carter

Kathleen Newell

 

 

 

9/16/17

 

Traci Anderson

Michelle Cervantes

Dean Bruss

Wayne Gallas

Helen Robinson

Kimberly Snyder

Dawn Raasch

Sherri Kidwell

Alysia Jackson

Victoria Cassella

Brandi K Chaney

Valerie Kuehn

Peggy Burdick Buchanan

Tabitha Sinks

Laurie Griffith

Anne Delos Reyes-Villafuerte

Kathleen Hickman

Nia Rammal

Barbie Sundy

Sheila Carvell

Brandy Williams

Melissa Turner Baker

 

 

9/17/17

 

Trish Musgrave

Kimberly Taylor Hall

Brittany Daly

Sandy Nevels

Laurie Griffith

Andrea Timms

Deborah Farris

Summer July

Kathleen Hickman

Adaria Johnson

Amanda Rosario

Jennifer Vega

Tiffany Borek

Michelle Hughes

Brandi Long

Dena Baji

April Ashcraft

Pam Johnson Rowland

Stephanie Beckwith

Shelley LaClear

Crystal Dotson

Lori Capobianco

Misty Shallcross

Brittany Deaver

 

 

      


Be sure to watch both of our FaceBook pages for your chance to win and enter again next week, with questions posted daily on HealthInsurance4Everyone or at Health & Life Solutions, LLC!!

Remember that if you try your hand at answering the Trivia Question several days each week, your odds of winning the Sunday weekly drawing are much better.  Also note that a number of the posted answers each day are from contestants who have forgotten to “Like” one of our pages, so their names WILL NOT be entered at the end week drawing for the gift card, giving our fans a better chance!

You may also find that if you “Like” BOTH of the business pages, you will receive faster notifications of the other players as they post their answers to compete with you!  

—————————————————————-

At Health Insurance 4 Everyone, we not only want to improve our customer service but also interact with our customers on a social media level that wasn’t available before. Interested in connecting with us?  Look us up on….

 

Twitter: Healthinsurane4  (Follow Us On Twitter To Receive Faster Notifications When Daily Trivia Questions Posted, & To Be Immediately Notified When Weekly AmEX  Card Winners Are Announced!!)

 

 

Click-On for LinkedIn To Follow Our Posts: LinkedIn

 

 

 

 

Like us on facebook: HealthInsurance4Everyone or Health & Life Solutions, LLC

 

Over 54,000 Combined Fans/Followers To Our Social Media Sites, & We’re Growing Daily!

 

Follow Mark Shuster, Founder/Owner at Health & Life Solutions, LLC for daily health tips!

Mark Shuster FaceBook Link

 

Follow our word press blog and read about everything from health insurance and reform news to healthy living and current events!

 

Company Blogs

 

Find out more about LegalShield, our corporate partner which gives you the power to talk to an attorney about any legal issue, and offering high-quality Identity Theft plans.

 

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2 days ago · by · 0 comments

Troy Gentry Killed In Helicopter Crash

 

 

Troy Gentry, of country duo Montgomery Gentry, has died at the age of 50, following a helicopter crash in Medford, New Jersey.  The crash took place around 1pm on Friday September 8th at Flying W Airport where bandmate Eddie Montgomery waited.  Pilot James Evan Robinson, 30, died on the scene and Troy Gentry was taken to nearby Virtua Hospital, where he succumbed to his injuries.  Montgomery Gentry was scheduled to perform that night at the Flying W Airport & Resort in Medford but the show was immediately cancelled.

Medford police said first responders received news of a helicopter in distress that was returning to the Flying W Airport.  A police statement said “Initial reports were the helicopter was going to attempt to crash land.” “Emergency crews arrived at the airport and shortly thereafter, the helicopter suddenly crashed in a field just south of the airport runway.”  The Federal Aviation Administration has said that the Schweizer 269 helicopter crashed into a wooded area off the Runway 1 at the airport.

Brian Rayner, senior air safety investigator with the National Transportation Safety Board, described the flight as a “spur of the moment” helicopter ride.  Rayner explained “Not long after takeoff, the pilot announced over the airport frequency – which was being monitored by a number of people – that he was having difficulty controlling engine RPM.”  “A couple of different responses to that challenge were discussed, and he was performing an auto rotational descent to runway one.  The helicopter landed short of the runway in low brush, it was substantially damaged and the occupants were fatally injured.”

Friends long before they made it big, the Kentucky-based duo formed in the late ’90s.  They produced a number of country music hits, including “My Town,” “Headlights” and “Hillbilly Shoes.”  They were named duo of the year by both the Academy of Country Music and the Country Music Association in 2000, and were inducted into the Grand Ole Opry in 2009.

The duo’s recent years were marked with loss and struggle. In 2014, Gentry grieved the death of his brother, Keith.  In 2015, Hunter Montgomery, the 19-year-old son of Eddie Montgomery died from an accidental overdose.  Gentry was also by Montgomery’s side as he battled prostate cancer in 2010. A few years later Troy Gentry’s wife, Angie McClure Gentry, was diagnosed with breast cancer. She was eventually declared cancer-free in 2015.  Troy Gentry also lost his father Lloyd Gentry on August 13 of this year.  Troy Gentry leaves behind a wife and two daughters.

 

 

 

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3 days ago · by · 0 comments

Reducing Medical Claims By Staying Active After Summer.

Summer is winding down and the kids are back to school which means many will be spending more time indoors whether it’s because of the weather cooling off or all that homework that needs to be finished. There are plenty of reasons to maintain outdoor activities into the cooler months for yourself and your family. If you find that you are one of the many people that spend little time outdoors once summer is over or this sounds like someone you know – you may want to keep reading.
Sunlight hitting the skin begins a process that leads to the creation and activation of vitamin D. Studies suggest that vitamin D helps fight certain conditions, from osteoporosis and cancer to depression and heart attacks. Limited sun exposure is a good regimen and shouldn’t just be limited to the summer months.

Light also tends to elevate people’s mood and there’s usually more light available outside than indoors. Getting some sunshine or daylight can improve your mood and ease symptoms of depression. It will also make you more alert and focused to get some natural light on a daily basis. When you are outside you are usually getting more physical activity which has been shown to help people relax and cheer up. If you tend to feel more tired or depressed once summer is over – spending a little more time outdoors may improve this.
If you make getting outside a goal, that means less time in front of the television or computer screen and more time walking and doing other things that put the body in motion. Exercise keeps the body healthy and in motion as well as elevates your mood. Those who get exercise also tend to improve their quality of sleep. Taking a walk during your lunch break or a family walk after dinner can help burn off that extra energy that keeps you up at night. There is a reason kids fall asleep quicker after a day at the park versus a day spent indoors.
While there are plenty of outdoor activities to choose from during the summer – inactivity doesn’t have to start once the pool closes. Throwing an extra layer on in the fall to take a walk or bike ride will help you feel better and can become a family or social activity you’ll look forward to. A short 15 or 20 minute walk with the family can also be a great time to talk to your kids about how their day at school went without just getting a one word answer in between commercial breaks. 
Being active outside more often can help kids with health issues such as obesity, reduced symptoms of attention deficit hyperactivity disorder, increased vitamin D production, which may help protect a child from future bone problems, heart disease, and diabetes; and improved distance vision. It can also familiarize them with their local neighborhood and outdoor environments, boosting their self-confidence.
For adults, spending more time being active outdoors can help with weight management, reduced risk of developing Alzheimer’s disease (cognitive function is enhanced by physical activity), increase opportunities for social interactions, an increase in energy and improved immunity and reduced risk of diabetes, heart attack and some forms of cancer.
Adults and children can all benefit from outdoor activities and special times with family and friends that will create memories that last a lifetime!

 *     *     *     *     *     *     *     *     *     *     *     *     *     *

 

At Health Insurance 4 Everyone, we not only want to improve our customer service but also interact with our customers on a social media level that was not available before. Interested in connecting with us? Look us up on….

Twitter: Healthinsurane4

 

Click-On for LinkedIn: LinkedIn

 

Like us on facebook: HealthInsurance4Everyone

 

Follow Mark Shuster, Founder/Owner at Health & Life Solutions, LLC for daily health tips! HealthInsurance4Everyone or Health & Life Solutions, LLC

Mark Shuster FaceBook Link

 

Follow our word press blogs and read about everything from health insurance and reform news to healthy living and current events!

 

Company Blogs

 

Find out more about LegalShield, our corporate partner which gives you the power to talk to an attorney about any legal issue, and offering high-quality Identity Theft protection plans.

LegalShield

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6 days ago · by · 0 comments

Hurricane Irma Predicted To Hit Florida

 

 

Hurricane Irma made its first landfall in the northeast Caribbean early Wednesday after growing into one of the most powerful storms ever recorded over the Atlantic Ocean.  The storm is one of three (Irma, Jose and Katia) hurricanes in the Atlantic basin, the first time since 2010 that three active hurricanes have been in the Atlantic.  Jose, in the open Atlantic far to the southeast of Irma, became a hurricane. Katia, in the Gulf of Mexico, also became a hurricane.

Irma has maintained intensity above 180 mph longer than any storm in Atlantic basin history.  Late Wednesday night, Irma’s core was spinning about 85 miles northwest of San Juan, with maximum sustained winds of 185 mph.  In the US Virgin Islands, Gov. Kenneth E. Mapp ordered a 36-hour curfew.

Irma’s core slammed the tiny island of Barbuda before moving over St. Martin and Anguilla and parts of the British Virgin Islands. Its maximum sustained winds of 185 mph were well above the 157 mph threshold of a Category 5 storm.  Prime Minister of Antigua and Barbuda Gaston Browne said that the telecommunications system in Barbuda, where 1,800 people live, was wiped out and cell towers were knocked over.  Both of the island’s hotels were demolished, he added.  There is also no way to land airplanes on the islands, Browne said from Antigua, whose 80,000 people comprise most of the two-island nation’s population.

French Interior Minister Gérard Collomb said Irma destroyed four of the most solid government buildings on the French-administered portion of nearby St. Martin, an island of about 75,000 people.  Puerto Rico and Storm surge is a concern for the Turks and Caicos Islands and the Central Bahamas (up to 20 feet), as is heavy rain (up to 20 inches in the Virgin Islands, and up to 20 in parts of Puerto Rico).

Computer models show that on Thursday the storm will move very near or over the Turks and Caicos, with catastrophic damage likely. The storm will also pass just north of the Dominican Republic and Haiti, bringing hurricane force winds to northern sections of the island, with flooding and mudslides probable.

In the Bahamas, emergency evacuations have been ordered for six southern islands — Mayaguana, Inagua, Crooked Island, Acklins, Long Cay and Ragged Island.  “This is the largest such evacuation in the history of the country,” Prime Minister Hubert Minnis said.

It’s too early to tell whether it will make landfall on the US mainland but models show it could hit near  Florida’s east coast by late Sunday, and forecasters warn the core still could hit the Florida peninsula.

Emergency management officials are requiring visitors to the Florida Keys to begin evacuations by sunrise Wednesday due to incoming Hurricane Irma; resident evacuations begin 7 p.m. Wednesday.  Floridians should heed any evacuation order, Gov. Rick Scott said. “A storm surge could cover your house. We can rebuild homes — we cannot rebuild your family,” he said.

 

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1 week ago · by · 0 comments

FBI Involved In Investigation of Utah Nurse’s Arrest Over Refusing Blood Draw

 

 

Prosecutors have asked the FBI to assist in an investigation into the rough arrest of a Utah nurse after video of her being dragged screaming from a hospital drew widespread condemnation.  Salt Lake County District Attorney Sim Gill is overseeing a criminal investigation into officers involved in the handcuffing of nurse Alex Wubbels. He is asking for FBI help in part because his office can’t prosecute possible civil rights violations like wrongful arrest.

The incident happened on July 26 but bodycam footage that was released last week sparked national outcry.  That night, a man named William Gray was taken to the hospital after suffering severe injuries from a car crash.  Gray, a reserve police officer with the police department in Rigby, Idaho-who works as a truck driver, had been injured after being in the fiery head on car crash with a truck that was fleeing from Utah State Highway Patrol.

In the video, Salt Lake City Detective Jeff Payne is seen squaring off against Utah nurse Alex Wubbels, the charge nurse working the night shift on the burn unit at Utah University Hospital.   Wubbels was following hospital protocol and the law when she calmly refused to allow a blood draw on an unconscious patient without consent or a warrant.   She presented the officers with a printout of hospital policy on drawing blood and said their request did not meet the criteria.

Hospital policy specified police needed either a judge’s order or the patient’s consent, or the patient needed to be under arrest, before obtaining a blood sample.  “I’m just trying to do what I’m supposed to do. That’s all,” Wubbels tells the officers, according to the body camera video.  She put her supervisor on speakerphone who told Payne “You’re making a huge mistake because you’re threatening a nurse.” “No, we’re done,” Payne said. “We’re done. You’re under arrest.”

Salt Lake City police detective Jeff Payne insisted on drawing the blood, maintaining in his report that he wanted the sample to protect the man rather than prosecute him. He was supported by his supervisor, Lt. James Tracy, who said the nurse could be arrested if she didn’t agree.  The dispute ended with Payne handcuffing Wubbels and dragging her outside while she screamed that she’d done nothing wrong. She was detained for 20 minutes and later released without charge.

Payne, who has worked for the department for over 20 years, and a second unidentified officer were put on full paid administrative leave by Salt Lake City police after the video emerged.  Lt. James Tracy’s actions are also under review.  Payne has also been fired from his part-time job as a paramedic following comments he made on the video about taking transient patients to the hospital as retaliation.

The Rigby Police Department said they hope the incident will be investigated thoroughly and “appropriate action” will be taken.  “The Rigby Police Department would like to thank the nurse involved and hospital staff for standing firm and protecting Officer Gray’s rights as a patient and victim,” “Protecting the rights of others is truly a heroic act.”  “It is important to remember that Officer Gray is the victim in this horrible event, and that at no time was he under any suspicion of wrongdoing,” the statement said, adding that Gray “continues to heal.”

A GoFundMe page has been set up to help William Gray and his wife with expenses while he recovers at the University of Utah Hospital in Salt Lake City.  https://www.gofundme.com/BillGray

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1 week ago · by · 0 comments

How To Develop a Small Business Disaster Recovery Plan.

Do You Have a Small Business Disaster Recovery Plan?

The recent devastation of Hurricanes Harvey and Irma highlight the vital importance of disaster planning. Our hearts go out to all of those who were impacted by these disasters. Even those who live outside of regions that typically experience hurricanes need to prepare for other types of natural and man-made disasters. Small businesses face a particularly challenging recovery process. It is estimated that 40 percent of businesses never reopen after a disaster. Developing a solid recovery plan will give your business a chance to bounce back. The following information will help you create the right plan for your business.

If you are recovering from a disaster and need legal assistance call your LegalShield provider law firm. 

If you are not currently a LegalShield member, please contact our membership offices at:  1-800-793-0471

Or Find A Plan & Pricing Available Within Your State At:  www.HI4E.Org

 

  • Understand the most common threats to your business. Many disasters are difficult to predict but you are probably more likely to encounter certain types of disasters based on where you live. For example, if you run an online business you may be more likely to experience a data loss or cyber extortion. If you live in a coastal region you may be more likely to face a major storm or flood damage. Consider the types of disasters you may face and take care in evaluating how to protect and recover your business.
  • Develop a disaster recovery plan. Your priority is the safety of customers and employees. Your plan should include evacuation or shelter-in-place guidelines in the event of a disaster. You should develop a plan for communicating with employees, customers and vendors during and after a disaster. You will also need to identify your critical business functions and set a plan for getting them back online. Your plan should be a path towards temporary short-term recovery and ultimately sustained long-term recovery. Keep copies of the plan, both physical and electronic, in multiple locations. Review and revise your plan every year or whenever your business undergoes major changes.
  • Train employees on your disaster plan. Your plan is useless if your employees do not know what to do. Everyone in your business should understand his or her role in the recovery process. Train all new employees and periodically review procedures with existing staff. Personally manage the most vital recovery aspects or assign them to your most trusted employees.
  • Familiarize yourself with IT threats and back up your business data. Cyber security is a critical component of disaster planning. The FCC offers a free tool to create a custom cyber security guide. Visit www.fcc.gov/cyberplanner to start your plan. Use offsite computer backup and storage to make sure all of your vital data is recoverable in the event of a cyber-attack or natural disaster. Keeping your data in only one location is asking for trouble. Offsite cloud backup allows you to easily retrieve your data if your main office or data storage is destroyed.
  • Evaluate your business insurance. Not all business insurance covers natural disasters and some types of coverage can be prohibitively expensive. It is important to consider the needs of your business and the likelihood of a disaster affecting your business. Many victims of Hurricane Harvey’s flooding did not have flood insurance, because they were not in a floodplain. Visit FEMA online to learn more about flood insurance and risk. You may also consider purchasing data breach insurance, which may provide coverage if your business is hacked or your systems are sabotaged. The loss of client data could be a public relations nightmare and may lead to fines or expensive litigation.
  • Review your lease and talk to your landlord. If your business rents office or retail space it is important to understand the responsibilities of the landlord and their plan for recovering from a disaster.
  • Talk to your vendors. Without key vendors, many businesses would quickly sink. You should keep an open line of communication with your vendors and understand their own disaster recovery plan.
  • Make sure you have access to the necessary capital to recover. Many businesses fail after a disaster because they do not have the money to make it through even a brief shutdown. If your business needs assistance after a disaster you may be eligible for a short-term low interest business recovery loan. Learn more about disaster recovery loans by visiting the Small Business Administration website. For Hurricane Harvey victims, the SBA also has a section devoted recovery questions and loans.

 

 

 

If you are not currently a LegalShield member, please contact our membership offices at:  1-800-793-0471

Or Find A Plan & Pricing Available Within Your State At:  www.HI4E.Org

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1 week ago · by · 0 comments

Daily HI4E.org Trivia Contest Winners For The Week Ending: Sunday, September 10th, 2017.

 

 

In an effort to broaden the company’s “social interaction” with our clients and FaceBook fans, Daily Trivia Questions are posted on both of our business pages. Here are the weekly standings for this past week, and the winner of the Sunday night Weekly Drawing for an AmEx gift card!            

Congratulations  – To this past week’s Trivia Contest Winner!!   Our latest contest winner for the weekly FaceBook HealthInsurance4Everyone/Health & Life Solutions, LLC Trivia Contest, drawn randomly by computer late Sunday evening, September 10th, 2017 was:

 

NIKKI  HUNSACKER

Victorville,  CA

Winner Of A $25.00 AmEx Gift Card

 

Each day, fans who have “liked” either of our company FaceBook pages (HealthInsurance4Everyone  or Health & Life Solutions LLC) are able to test their skills with our Daily TRIVIA QUESTION.  The first 20 winners who post the correct answer to the TRIVIA QUESTION, will then get entered into the weekly drawing held late on Sunday evenings for a $25.00 Am Ex Gift. Card


Weekly Gift Card winners will be posted in our blog at this site.  Remember to become a FaceBook “fan” on either of our company pages to enter and post your answers. 

 

Here are the daily contestants from last week’s Trivia Contest that were entered into the Sunday drawing:

 

 

9/4/17

 

Brittany Marie Thompson

April Ashcraft

Darlene Whyte

Crystal Marie

Ashley Stamey Phillips

Amy Marie Wilkinson

Valerie Kuehn

Kelly Jo Francisco

Jennifer Kinner

Jade Good

Christy Hawkes

Jennifer Marie

Crystal Young

Sherry Lilly

Dawn Raasch

Jenny Merritt

Michelle R. Carlino

Nai Merri

Jennifer Setsor Mallon

Karen Rimiller Presley

Kellina Fernell Murphy

Nikki Hunsacker

 

9/5/17

 

Anna Nichols

Mya Murphy

Heather Victoria Graves

Sheila Carvell

Kimberly Taylor Hall

Kelly Jo Francisco

Sunney Michelle Johnson

Hayley Cordaro

Benjamin Odell

Mary Mcmenamy

Tonya Velazquez

Dale Fish

Brian Fulop

Patricia Oehlert Vazquez

Alicia Johnson

Mary Ann Cody

Bea Patrick

Cassandra Berholtz

Amanda Rosario

Emily Rice Bowersock

Lisa A Mazola

Deborah Farris

 

9/6/17

Melissa White

Amy Marie Wilkinson

Kristina Rosson

Alexis Maureen

Paula Rousseau

Mya Murphy

Jennifer Marie

Darbie Brown

Cheryl Hall

Beata Tybor

Christina Radcliff

Belinda Haas

Deborah Farris

Karen Bondehagen

Samantha Brwn

Kendra George

Trish Musgrave

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2 weeks ago · by · Comments Off on North Korea Fires Missile Over Japan

North Korea Fires Missile Over Japan

 

 

 

North Korea carried out a missile test directly over Japan that prompted the government in Tokyo to warn residents in its path to take cover. After a flight of nearly 1, 700 miles, the missile flew over the northern island of Hokkaido, broke into three pieces and landed in the sea.  Public television programs in Japan were interrupted announcing the missile’s flight over the country and warned citizens to take cover in a sturdy building or basement.

North Korea has fired projectiles over Japanese territory twice before.  Once in 1998,  prompting a minor diplomatic crisis in Asia, and once again at the beginning of the Obama administration in 2009. In both those cases, the North said the rockets were carrying satellites into orbit but they made no such claim in this case.

The missile was launched from a site near Pyongyang’s international airport, not the usual launch site in the northeast, according to the South Korean military. They are still trying to determine what type of missile was launched but it’s believed to be a Hwasong-12, a newly developed intermediate range weapon.  North Korea’s usual launch sites are in remote areas, where there would be little concern about civilian casualties.  A strike near Pyongyang would risk many civilian deaths, suggesting that the real goal was to strike at the regime.

The commander of the Japan Air Self-Defense Force’s Air Defense Command said that the armed forces did not try to shoot down the missile from North Korea because they did not detect a threat to Japanese territory.  They warned citizens in its path to take cover in case any parts fell on Japan.  This latest launch appears to be the first of a missile powerful enough to potentially carry a nuclear warhead.

North Korea’s ambassador to the UN, Han Tae-song, defended his country’s actions saying they were a response to military drills carried out by the US and its allies in the region.  “Now that the US has openly declared its hostile intention towards North Korea by raising joint aggressive military exercises despite repeated warnings… my country has every reason to respond with tough counter-measures as an exercise of its rights to self-defence.”

US and Japanese forces have just finished a joint drill in Hokkaido while another annual exercise involving tens of thousands of South Korean and US military personnel is still under way in South Korea.  China warned that tensions on the Korean peninsula had reached a “tipping point” but said the US and South Korea were partly to blame. Foreign ministry spokeswoman Hua Chunying criticised the two countries for their repeated military drills, which North Korea perceives as practice for an invasion.

North Korea has been working on its missile program for decades, with weapons based on the Soviet-developed Scud.   While it has conducted short and medium-range tests on many occasions,  the pace of testing has increased.  Experts speculate that North Korea has made significant advances towards its goal of building a reliable long-range nuclear-capable weapon.  Though, no one knows how close North Korea is to miniaturizing a nuclear warhead to put on a missile.

 

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